purchase http://www.wisebread.com/taxonomy/term/1327/all en-US Best Money Tips: Steps to Make Sure You Buy the Right House http://www.wisebread.com/best-money-tips-steps-to-make-sure-you-buy-the-right-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-steps-to-make-sure-you-buy-the-right-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-buying-house-491066665-small.jpg" alt="couple buying house" title="couple buying house" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some amazing articles on making sure you are buying the right house, maximizing your dollar at Subway, and creating work/life balance when your kids return to school.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.saveoutsidethebox.com/make-sure-its-the-right-house-to-buy/">7 Steps to Make Sure It's the Right House to Buy</a> &mdash; Scoping out the neighborhood and making a pros and cons checklist is important when deciding whether or not to buy a home. [Save Outside The Box]</p> <p><a href="http://www.lazymanandmoney.com/maximize-dollar-subway/">Mazimize Your Dollar at Subway</a> &mdash; To maximize your dollar at Subway, do the survey on the receipt for free food. [Lazy Man and Money]</p> <p><a href="http://kylebumpus.com/5-bs-myths-about-building-wealth-everyone-thinks-are-true/">5 BS Myths About Building Wealth Everyone Thinks Are True</a> &mdash; It is not true that you will never get rich working for someone else. [Kyle Bumpus]</p> <p><a href="http://parentingsquad.com/9-tips-for-parents-to-create-worklife-balance-when-kids-return-to-school">9 Tips for Parents to Create Work/Life Balance When Kids Return to School</a> &mdash; Scheduling your time wisely and being honest can help you maintain a work life balance when your kids go back to school. [Parenting Squad]</p> <p><a href="http://thenewyorkbudget.com/2014/07/14/spend-less-without-giving-entertainment-fund/">How to Spend Less Without Giving Up Your Entertainment Fund</a> &mdash; If you want to spend less on your necessities so you don't have to give up your entertainment fund, consider substituting certain products or services for cheaper ones. [The New York Budget]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Unreal-Travel-Destinations-Europe-35514639">31 Unreal Travel Destinations in Europe You Didn't Realize You Could Visit</a> &mdash; If you go to Europe, take the time to visit Abisko National Park and Krka. [PopSugar Smart Living]</p> <p><a href="http://mywifequitherjob.com/what-successful-online-store-owners-do-differently/">Why Beginners Fail and What Successful Online Store Owners Do Differently</a> &mdash; Successful online store owners choose winnable niches. [My Wife Quit Her Job]</p> <p><a href="http://investorinthefamily.com/become-ultimate-travel-hacker/">Become the Ultimate Travel Hacker</a> &mdash; By understanding how your credit score is calculated, you can save some serious dough on travel. [Investor in the Family]</p> <p><a href="http://moneytalkscoaching.com/evaluate-the-risks-and-rewards/">Evaluate the Risks and Rewards</a> &mdash; Savings accounts are a safe place to keep your money, but they also have a very low return. [Money Talks]</p> <p><a href="http://siliconbayounews.com/2014/08/20/fall-is-coming-10-things-startups-should-be-doing-now/">Fall is Coming: 10 Things Startups Should Be Doing Now</a> &mdash; Startups should take the time now to develop a content strategy and dial in their startup profiles. [Silicon Bayou News]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-steps-to-make-sure-you-buy-the-right-house">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/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</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/renting-is-cheaper">Renting is cheaper</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/real-estate-appraisals-ten-things-most-people-just-dont-understand-about-them">Real Estate Appraisals - Ten things most people just don&#039;t understand about them</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-cant-trust-a-real-estate-agent">Why you can&#039;t trust a real estate agent.</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">How Big of a House Do You Really Need?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips buy house invest purchase real estate Wed, 27 Aug 2014 19:00:04 +0000 Ashley Jacobs 1195108 at http://www.wisebread.com Best Money Tips: The Best Time to Buy a Car http://www.wisebread.com/best-money-tips-the-best-time-to-buy-a-car-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-best-time-to-buy-a-car-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-buying-car-99704034-small.jpg" alt="couple buying car" title="couple buying car" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on the best time to buy a car, online jobs for college students, and Warren Buffet's tips for investing.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Best-Time-Buy-Car-34024797">The Best Time to Buy a Car</a> &mdash; Did you know the best day of the week to buy a car is Sunday? [PopSugar Smart Living]</p> <p><a href="http://christianpf.com/online-jobs-college-students/">6 Online Jobs for College Students</a> &mdash; For college students looking to make some extra money, Swagbucks and writing blogs are a couple good online options. [Chrisitan PF]</p> <p><a href="http://thecollegeinvestor.com/3395/warren-buffetts-top-5-tips-investing/">Warren Buffet's Top 5 Tips for Investing</a> &mdash; Learn a lesson from Warren Buffet and remember that cash is king. [The College Investor]</p> <p><a href="http://theconsciousspender.wordpress.com/2011/08/11/summer-is-fun-when-money-is-involved/">Summer Is Fun When Money Is Involved</a> &mdash; When shopping for a summer pool party, take the opportunity to teach your kids a financial lesson by showing them the art of meal planning. [The Conscious Spender]</p> <p><a href="http://www.moneycrush.com/6-ways-to-improve-your-focus-and-beat-procrastination/">6 Ways to Improve Your Focus (and Beat Procrastination)</a> &mdash; If you want to improve your focus, turn off your technology and set a mini-goal. [Money Crush]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cheapsters.org/coffee-shop-workspace-etiquette-101/">Coffee Shop Workspace Etiquette</a> &mdash; When turning a coffee shop into your workspace, be sure to buy at least one thing for every three hours you spend working there. [Cheapsters]</p> <p><a href="http://luke1428.com/all-work-and-no-play-combating-the-dangers-of-workaholism/">All Work and No Play: Combating the Dangers of Workaholism</a> &mdash; To combat the dangers of workaholism, take the time to relax and reflect. [Luke 1428]</p> <p><a href="http://www.monicaonmoney.com/the-surprising-habit-thats-making-you-poor/">The Surprising Habit That's Making You Poor</a> &mdash; Did you know that social media usage can wreak havoc on your finances? [Monica On Money]</p> <p><a href="http://livingonthecheap.com/how-to-hire-handyman/">How to Hire a Good Handyman</a> &mdash; Sites like Angie's List can help you make sure you hire a good handyman. [Living on the Cheap]</p> <p><a href="http://parentingsquad.com/5-creative-ways-to-capture-vacation-memories">5 Creative Ways to Capture Vacation Memories</a> &mdash; Creating a photo wall is just one way to capture vacation memories. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-the-best-time-to-buy-a-car-0">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-good-reasons-to-keep-your-clunker">5 Good Reasons to Keep Your &quot;Clunker&quot;</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-to-drop-collision-coverage-on-your-car">When to drop collision coverage on your car</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/did-your-car-break-down-check-for-recalled-parts-and-fix-it-for-free">Did your car break down? Check for recalled parts and fix it for free!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/giving-up-your-car-may-be-easier-than-you-think">Giving Up Your Car May Be Easier Than You Think</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/better-cars-are-not-the-answer">Better cars are not the answer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best best money tips car purchase time Wed, 13 Aug 2014 19:01:47 +0000 Ashley Jacobs 1183627 at http://www.wisebread.com Best Money Tips: What to Buy in December http://www.wisebread.com/best-money-tips-what-to-buy-in-december <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-what-to-buy-in-december" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping-175715390.jpg" alt="woman shopping" title="woman shopping" class="imagecache imagecache-250w" width="250" height="200" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on the best and worst things to buy in December, winter car maintenance tips, and tools to find promo codes.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneytalksnews.com/2013/12/02/the-best-and-worst-things-to-buy-in-december-2/">The Best and Worst Things to Buy in December</a> &mdash; Avoid buying jewelry in December but go ahead and purchase tools or hardware. [Money Talks News]</p> <p><a href="http://kiplinger.com/slideshow/cars/T009-S001-winter-car-maintenance-tips/index.html">Winter Car Maintenance Tips</a> &mdash; This winter, make sure your car's battery is fully juiced and check the tire pressure. [Kiplinger]</p> <p><a href="http://www.doughroller.net/tech/how-to-find-promo-codes-for-just-about-anything/">6 Tools to Find Promo Codes for Just About Anything</a> &mdash; Retail Me Not and Savings.com are two great places to find promo codes! [The Dough Roller]</p> <p><a href="http://www.bargaineering.com/articles/work-home-5-free-ways-beat-stir-crazy.html">Work From Home? 5 Free Ways to Beat the Stir Crazy</a> &mdash; Going for a walk can help you beat the stir crazy of working from home. [Bargaineering]</p> <p><a href="http://www.thepennyhoarder.com/10-weird-ways-to-make-christmas-cash/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+ThePennyHoarder+%28The+Penny+Hoarder%29">10 Weird Ways to Make Christmas Cash</a> &mdash; Did you know you can make extra cash by finding gigs on Craigslist or taking your old clothes to Plato's Closet? [The Penny Hoarder]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thesimpledollar.com/ten-personal-finance-questions-that-are-always-worth-asking-yourself/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+thesimpledollar+%28The+Simple+Dollar%29">Ten Personal Finance Questions That Are Always Worth Asking Yourself</a> &mdash; It is a good idea to ask yourself if you have enough of an emergency fund. [The Simple Dollar]</p> <p><a href="http://www.savvysugar.com/Eco-Friendly-Gift-Wrap-Ideas-32638276">19 Ideas For Greening Your Gift Wrap</a> &mdash; Consider greening your gift wrap by using an old map to wrap gifts! [PopSugar Smart Living]</p> <p><a href="http://www.organicauthority.com/11-best-free-workout-videos-on-youtube/">11 Best Free Workout Videos on YouTube</a> &mdash; Blogilates and Fitness Blender are just a couple places to get free workout videos. [Organic Authority]</p> <p><a href="http://www.creditsesame.com/blog/what-happens-if-you-only-make-part-of-your-mortgage-payment/">What Happens If You Only Make Part of Your Mortgage Payment?</a> &mdash; If you only make part of your mortgage payment, your lender won't recognize you made a payment and will return your payment to you. [Credit Sesame]</p> <p><a href="http://parentingsquad.com/6-ways-to-teach-kids-the-meaning-of-the-holidays">6 Ways to Teach Kids the Meaning of the Holidays</a>&nbsp;&mdash; To teach your kids the meaning of the holidays, pick out gifts for the less fortunate with them. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-what-to-buy-in-december">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/now-is-the-time-to-buy-skis-winter-coats-candy">Now is The Time to Buy: Skis, Winter Coats, Candy</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/resisting-the-impulse-beauty-buy">Resisting the impulse beauty buy</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-was-your-best-purchase-in-the-past-year">What was your best purchase in the past year?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-money-trail">The Money Trail</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/4-sneaky-store-perks-that-make-you-overspend">4 Sneaky Store Perks That Make You Overspend</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best best money tips December purchase worst Mon, 09 Dec 2013 11:00:09 +0000 Ashley Jacobs 1099177 at http://www.wisebread.com Best Money Tips: Things You Should Buy at a Dollar Store http://www.wisebread.com/best-money-tips-things-you-should-buy-at-a-dollar-store <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-you-should-buy-at-a-dollar-store" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4328782427_32909b977f_z_0.jpg" alt="dollar store" title="dollar store" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on things you should buy at a Dollar Store, de-stressing during the workday, and tweeting your way to a new gig.</p> <h2>Top 5 Articles</h2> <p><a href="http://bargainbabe.com/2013/03/20/draft-10-things-you-should-always-buy-at-a-dollar-store/">28 things you should always buy at a dollar store</a> &mdash; Paper clips and greeting cards are two things you should always buy at the Dollar Store. [Bargain Babe]</p> <p><a href="http://www.savvysugar.com/Tips-De-Stress-Work-22310420">13 Ways to De-Stress During the Workday</a> &mdash; To de-stress during the workday, make exercise a priority and take your eyes off your computer screen every once in awhile. [PopSugar Smart Living]</p> <p><a href="http://www.carefulcents.com/tweet-your-way-to-a-new-job/">How to Effectively Tweet Your Way to a New Gig</a> &mdash; Use hashtags and Twitter chats to tweet your way to a new gig. [Careful Cents]</p> <p><a href="http://moneysmartlife.com/good-investments-recession/">Good Investments in a Recession</a> &mdash; Cash and cash equivalents are some of the best investments in a recession. [Money Smart Life]</p> <p><a href="http://cashmoneylife.com/maternity-care-coverage-while-self-employed/">Getting Maternity Care Coverage While Self-Employed</a> &mdash; Be aware of the 12-month waiting period in regards to getting maternity care coverage. [Cash Money Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.freemoneywisdom.com/7-ways-to-keep-up-with-mortgage-payments/">7 Ways to Keep Up With Mortgage Payments</a> &mdash; Keep up with mortgage payments by eliminating private mortgage insurance. [Free Money Wisdom]</p> <p><a href="http://ptmoney.com/work-life-balance-tips/">How to Find a Company with Great Work-Life Balance</a> &mdash; To find a company with great work-life balance, ask current employees of the company you are interested in about work-life balance. [PT Money]</p> <p><a href="http://www.moneyunder30.com/get-the-best-deal-on-a-new-car">Get the Best Deal on a New Car with One Simple Email</a> &mdash; Before you negotiate the price on a car, settle on the make and model you want. [Money Under 30]</p> <p><a href="http://youngadultfinances.com/why-sleep-important-successful-people/">Why is Sleep Important for Successful People?</a> &mdash; Sleep is important for successful people because a good night's sleep helps improve learning. [Young Finances]</p> <p><a href="http://parentingsquad.com/moms-don-t-get-sick-days-14-ways-to-plan-for-and-manage-mommy-s-sick-days">Moms Don't Get Sick Days! 14 Tips for &quot;Mommy's Sick&quot; Days</a> &mdash; If you are a mom who has a last minute sick day, consider hiring a &quot;mother's helper&quot; for the day. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-things-you-should-buy-at-a-dollar-store">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/resisting-the-impulse-beauty-buy">Resisting the impulse beauty buy</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/what-was-your-best-purchase-in-the-past-year">What was your best purchase in the past year?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-body-scrubs">The 5 Best Body Scrubs</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-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-mats">The 5 Best Exercise Mats</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips buy dollar store purchase shopping Tue, 26 Mar 2013 09:48:31 +0000 Ashley Jacobs 971500 at http://www.wisebread.com Ask the Readers: Do You Read Product Reviews Before Buying? http://www.wisebread.com/ask-the-readers-do-you-read-product-reviews-before-buying <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-read-product-reviews-before-buying" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/6829378917_6439415c2c_z.jpg" alt="Do You Read Product Reviews Before Buying?" title="Do You Read Product Reviews Before Buying?" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-do-you-read-product-reviews-before-buying#comment-587520"><em>katie m</em></a><em>, Tabathia, and Betty for winning this week's contest!</em></p> <p>Making decisions on big purchases can be difficult! Many people spend lots of time researching prices, warranty info, and other relevant facts to their potential purchase. On top of that, many people take the time to read reviews on their potential purchase before actually buying an item. However, there are some people who buy without taking the time to do research or read reviews!</p> <p><b>Do you read product reviews before buying? </b>Where do you go to read reviews? If you don't read reviews before buying something, how do you decide whether or not to buy?</p> <p>Tell us if you read product reviews before buying and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For extra entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> <a id="rc-79857d16" class="rafl" rel="nofollow" href="http://www.rafflecopter.com/rafl/display/79857d16/">a Rafflecopter giveaway</a> <script src="//d12vno17mo87cx.cloudfront.net/embed/rafl/cptr.js"></script> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, February 4th at 11:59 pm Pacific. Winners will be announced after February 4th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> </ul> <p><strong>Good Luck!</strong></p><div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us if you read product reviews before buying and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-read-product-reviews-before-buying">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/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</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/ask-the-readers-do-gift-cards-make-a-good-gift">Ask the Readers: Do Gift Cards Make a Good Gift?</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First 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/ask-the-readers-what-is-your-dream-job-0">Ask the Readers: What is Your Dream Job?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers purchase reviews Tue, 29 Jan 2013 11:36:31 +0000 Ashley Jacobs 967506 at http://www.wisebread.com Ask the Readers: What Expensive Purchases Have You Made That Saved You Money? http://www.wisebread.com/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-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/1869030385_a20398406a_z-1.jpg" alt="What Expensive Purchases Have You Made That Saved You Money?" title="What Expensive Purchases Have You Made That Saved You Money?" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-you-money#comment-551634"><em>Therese</em></a><em>, </em><a href="http://www.wisebread.com/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-you-money#comment-551808"><em>Sharon K</em></a><em>, and </em><a href="http://www.wisebread.com/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-you-money#comment-551636"><em>Sarah</em></a><em> for winning this week's contest!</em></p> <p>Expensive purchases can be intimidating to make. Spending hundreds or thousands of dollars on a new appliance, car, or video game system can difficult for most people. However, when these big ticket purchases can end up saving you money, sometimes it's easier to bite the bullet and make the purchase.</p> <p><b>What expensive purchases have you made that saved you money?</b><span style="font-weight:normal">&nbsp;An energy efficient appliance that reduced your utility bill? A hybrid car that helped you save on gas? A Wii to help you cut down on going out for entertainment purposes? A treadmill to keep you from spending money on a gym membership?</span></p> <p>Tell us what expensive purchases you've made that saved you money&nbsp;and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below&nbsp;</li> </ul> <h3>For extra entry:</h3> <ul> <li><a href="http://www.twitter.com/">Tweet</a> your answer. You have to be a follower of our <a href="http://twitter.com/wisebread">@wisebread account</a>. Include both &quot;@wisebread&quot; and &quot;#WBAsk&quot; in your tweet so we'll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.</li> </ul> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, October 1st at 11:59 pm Pacific. Winners will be announced after October 1st on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us what expensive purchases you&#039;ve made that saved you money, and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-expensive-purchases-have-you-made-that-saved-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-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/ask-the-readers-what-about-money-dont-you-know-chance-to-win">Ask the Readers: What About Money DON&#039;T You Know? (Chance to Win!)</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/ask-the-readers-how-would-you-balance-americas-budget">Ask the Readers: How Would You Balance America&#039;s 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/ask-the-readers-cheap-ways-to-stay-cool-chance-to-win-20">Ask the Readers: Cheap Ways to Stay Cool? (Chance to Win $20!)</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-who-are-your-favorite-personal-finance-gurus">Ask The Readers: Who Are Your Favorite Personal Finance Gurus?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers purchase saving Tue, 25 Sep 2012 10:36:40 +0000 Ashley Jacobs 954664 at http://www.wisebread.com Bad, bad China: a round-up http://www.wisebread.com/bad-bad-china-a-round-up <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/bad-bad-china-a-round-up" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/toothpaste.jpg" alt="messy toothpaste cap" title="messy toothpaste cap" class="imagecache imagecache-250w" width="250" height="187" /></a> </div> </div> </div> <p>Well, I&#39;ve pretty much come to the conclusion that I need to stop buying Chinese goods. This is a tough one for me, mostly because so much of the cheap stuff that I love to buy comes from China, and as my readers know, I really like China and would like to see the country succeed. </p> <p>However, one headline after another is screaming to me that I need to seriously consider the source of what I am buying before I buy it. At the very least, you too should consider keeping an eye out for the following:</p> <h4>Poison poissons? From <a href="http://news.bbc.co.uk/2/hi/business/6251678.stm">BBC</a>.</h4> <p>&quot;The FDA is not allowing the import of these Chinese farmed seafood products until the importers can prove that the seafood is free from harmful contaminants,&quot; Dr. David Acheson, the U.S. Food and Drug Administration&#39;s assistant commissioner for food protection, said during an afternoon teleconference.</p> <p>He identified the banned fish as catfish, basa (similar to catfish), shrimp, dace (similar to carp) and eel, which he said may contain chemicals that are potentially carcinogenic.</p> <h4>Want shiny teeth? Try anti-freeze. From <a href="http://www.cbsnews.com/stories/2007/06/28/health/main2992320.shtml">CBS.com</a>.</h4> <p>The New York Times reported today that approximately 900,000 tubes of tainted Chinese toothpaste has shown up in prisons, juvenile detention centers and hospitals in North and South Carolina, Georgia and Florida, including some serving the general population. </p> <h4>It&#39;s been going on for a lot longer than you think! From <a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2007/06/17/MNGM9QGQ761.DTL&amp;type=health">SF Gate</a>.</h4> <p>&quot;The U.S. imports a lot of Chinese glycerin, and it is used in ingested products such as toothpaste,&quot; Mary Pendergast, then deputy commissioner for the Food and Drug Administration, <strong>wrote on Oct. 27, 1997</strong>. Learning how diethylene glycol, a syrupy poison used in some antifreeze, ended up in Haitian fever medicine might &quot;prevent this tragedy from happening again,&quot; she wrote. </p> <p>[emphasis mine]</p> <h4>China responds. From <a href="http://www.cnn.com/2007/WORLD/asiapcf/06/27/china.tainted.food.ap/index.html?section=cnn_latest">CNN.com</a> via <a href="http://itchmo.com/read/china-closes-180-food-factories-for-using-illegal-chemicals_20070627">Itchmo</a>.</h4> <p>Formaldehyde, illegal dyes, and industrial wax were found being used to make candy, pickles, crackers and seafood, it said, citing Han Yi, an official with the General Administration of Quality Supervision, Inspection and Quarantine, which is responsible for food safety.</p> <p>&quot;These are not isolated cases,&quot; Han, director of the administration&#39;s quality control and inspection department, was quoted as saying.</p> <h4>Getting <em>tired</em> of all the bad news from China? Ha! From <a href="http://www.newsinferno.com/archives/1595">Newsinferno</a>.</h4> <p>Defective tires have been added to an ever-growing list of dangerous Chinese imports. The National Highway Traffic Safety Administration (NHTSA) ordered 450,000 tires recalled after Foreign Tire Sales, the New Jersey company that imported the tires, disclosed that they had been manufactured without a gum strip meant to keep the tread from separating. The tires, manufactured by Hangzhou Zhongce Rubber, have been blamed for at least two accidents, one of which was fatal.</p> <h4>Poison toys. Good times. From <a href="http://abcnews.go.com/US/story?id=3275264">ABC News</a>.</h4> <p>China by far leads the list of countries making products that are recalled in the United States, accounting for 65 percent of all the recalled products in this country this year, according to CPSC. In 2006, China accounted for 233 product recalls -- nearly double the rate from the previous year, with lead a recurring cause among the recalls.</p> <h4>It&#39;s the attack of the killer tomato paste! In Italy! From <a href="http://www.winenews.it/index.php?c=detail&amp;dc=96&amp;id=10708">WineNews.com</a>.</h4> <p>And, Coldiretti emphasized, among the arrivals from the Asian giant it is significant that tomato concentrate, which represents almost one third of imports (31%), has registered a record import increase of 150%. This is a particularly worrisome situation for Italy because it was unable to obtain a norm for the mandatory printing of the origins of a product on labels, thus the risk that non Italian goods will be sold as Italian made.</p> <p>Ok, well, that last one isn&#39;t so bad. Yet.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/bad-bad-china-a-round-up">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/decked-out-in-dog-more-reasons-to-boycott-chinese-goods">Decked out in... dog? More reasons to boycott Chinese goods</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/resisting-the-impulse-beauty-buy">Resisting the impulse beauty buy</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-shanghai-supposition-better-choices-more-choices-better-experiences">The Shanghai Supposition: Better Choices=More Choices=Better Experiences</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-year-s-hot-toy-is-next-year-s-trash">This Year’s Hot Toy is Next Year’s Trash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle buy China deficit goods imports poison purchase seafood toys Fri, 29 Jun 2007 01:12:54 +0000 Andrea Karim 785 at http://www.wisebread.com What was your best purchase in the past year? http://www.wisebread.com/what-was-your-best-purchase-in-the-past-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-was-your-best-purchase-in-the-past-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/best purchase girl.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>This week, Wise Bread writers share our favorite purchases from the past year. And in the spirit of sharing, we&#39;d like to hear what you, our readers, are particularly fond of purchasing in the past year. If you add your great purchase story in the comments section, <strong>you&#39;ll be automatically enrolled in a random drawing for a $25 gift certificate from Amazon.com</strong>!</p> <p><strong>CONGRATULATIONS TO SYLRAYJ, OUR WINNER FOR THE $25 AMAZON GIFT CERTIFICATE DRAWING. THANK YOU TO EVERYONE FOR PARTICIPATING.</strong> </p> <p>Being frugal isn&#39;t just about saving money - it&#39;s about spending wisely. Shopping isn&#39;t a sin, and frugal shopping isn&#39;t an oxymoron. It&#39;s just a matter of assessing your needs, wants, and then doing a little research. And when you find something that really suits your needs, buying becomes a truly rewarding experience.</p> <p>Here&#39;s what we spent our hard-earned dollars on:</p> <h4>Julie Rains</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-95.jpg" alt="Julie Rains" width="64" height="85" /> <p>My new road bike is my best purchase. </p> <p>I have had others (bicycles) and my most recent one had carried me from my teens, cycling to high school rather than driving or taking the bus, and riding up and down mountains on a 2-week, 200+ mile ride on the <a href="http://www.blueridgeparkway.org/">Blue Ridge Parkway</a> from Peaks of Otter, Virginia to Mount Mitchell, North Carolina clear through to a young adult with occasional leisurely jaunts from Fleetwood to Todd, also in the Blue Ridge Mountains with great views of the New River. </p> <p>Though never a stand-out athlete, I used to enjoy competing in summer league swimming, AAU swimming, high school track, and community road races (10Ks). But being in the water doesn’t leave much time for socializing and road races seemed to be becoming more competitive than fun so I dropped out of racing altogether. Then, as the years passed, I piled up obligations: at home with my family, at work, and around town with volunteer activities, nearly dropping me out of the fitness arena altogether.</p> <p>A hike up <a href="http://www.gsmnp.com/pages/mtleconte.html">Mount LeConte</a> a couple of years ago convinced me that I needed to begin a regular exercise routine, and so, finally, I decided to join the Y, which had always seemed to be expensive to me. The Y workouts led to setting goals for strength training and cardio. And, at some point, I decided to get back into bike riding.</p> <p>From the time I made those rides in the mountains to this past year, the world of cycling had changed dramatically. For starters, road bikes had become very technical and expensive. Besides my car and computer, my road bike is the single highest priced item I’ve ever bought just for me. I’ve come to love riding, socializing on group rides, getting an emotional/spiritual lift from being outside, and sleeping really well at night after a great workout, whether it’s a studio cycling session at the Y or a metric century charity ride. </p> <p>What I love about cycling is that you can compete against yourself; that is you can set goals and gain satisfaction from reaching them, whether it’s a faster mph or a yet a longer distance. And, notwithstanding doping allegations, generally those who excel in the sport get there not just because of birthright, geography, and/or an early start but because of training and tenacity.</p> <h4>Jessica Harp</h4> <p>Our Las Vegas Wedding. Hands down the best thing I purchased in the last year. </p> <p>When it came to wedding planning, my husband and I had completely different ideas of what our dream wedding was going to be. In fact, we had the stereotypical wedding planning roles totally reversed. He wanted an extravagant wedding with an equally extravagant reception for 500 of our closest friends, and I couldn’t justify spending $20,000+ for a one day affair. I would have been happy running over to the courthouse during my lunch hour to get married by a Justice of the Peace. </p> <p>So, in the spirit of compromise, we decided to get married in Vegas! We had a traditional ceremony in our hotel’s onsite wedding chapel at a fraction of the cost (and stess!) normally associated with modern weddings. I do not know if it was all the champagne they plied us with at the salon before the wedding, the fact that getting married in Vegas allowed us bypass the normal stress associated with a wedding, or the combination thereof; but we had a blast at our wedding. If you look at our wedding pictures, there is not one picture of us not smiling or having a great time. It was the best day of my life, and I would not trade it for anything. </p> <p>In retrospect, our Las Vegas wedding was the best thing we purchased in the past year because it allowed us to focus on our marriage and not our wedding. Instead of spending months stressing out about a one-day event, we spent the months leading up to our wedding channeling our energy, time, and resources into preparing for our future together.</p> <h4>Will Chen</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-4.jpg" alt="Will Chen" width="85" height="85" /> <p>My best purchase was Wise Bread.com. </p> <p>Greg and I registered this domain name for about $8. We had no idea what to do with it. Greg wanted to do a shopping blog. I wanted to turn it into a Digg for consumers. Lucky for us, Sarah was one of the first bloggers to join us. She wanted to write articles that will help young people fresh out of college. Sort of a &quot;new adult&#39;s guide&quot; to personal finance. We loved the idea.</p> <p>Thanks to Lynn&#39;s eye for talent, Wise Bread now has a wonderful community of writers. I love discovering cool tips, thoughtful essays, and fun discussions on this little website every single day.</p> <p>We launched Wise Bread just a few weeks before Christmas. It is a gift that keeps on giving.</p> <h4>Sarah Winfrey</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-9.jpg" alt="Sarah Winfrey" width="79" height="85" /> <p>We wanted to get out of the country, and we wanted to have both private time and activities, and we didn&#39;t want to spend a ton of money. Dave was all for an all-inclusive resort, but I was skeptical because I hate all things &quot;touristy.&quot; My mom&#39;s friend had been to Sayulita with her boyfriend and loved it.</p> <p>We ended up getting a very private large studio-sized &quot;room,&quot; with a complete kitchen, for less than half of what we would have paid for the best deal we could find at a resort. We had all the beach and related activities that we wanted, again for substantially less than we&#39;d have paid in the resort towns. In addition, we got the color and flare of a more traditional Mexican town. It was the best of both worlds--the town had enough tourists that we didn&#39;t have the stress of communication struggles and being stared at, but it was not so overrun with Americans that we wondered why we bothered to leave the country. We got to detox from the wedding planning and stress and focus on starting our lives together.</p> <h4>Jessica Okon</h4> <p>The best thing I bought all year was <a href="http://www.amazon.com/Egyptian-Magic-Healing-Cream-oz/dp/B000HLGSB2">Eygptian Magic Healing Cream</a>. </p> <p>I had read rave reviews about this odd-ball beauty product. The packaging is a bit kooky ala Dr.Bronner&#39;s complete with pyramid and allusions to mystical powers. Initially I thought it was a tad pricey for a mere salve, but it has been worth every penny. It works amazingly on burns, cuts &amp; scars. I use it as a lip balm, hand, foot and body lotion, and night eye cream. </p> <p>A friend of mine raves about it healing her eczema, and another has used it for post-baby stretch marks with good results. I&#39;ve even used a tiny amoung to moisturize the ends of my hair. For such an all-purpose product, I am very impressed. It is always sold out at my local health food store, so if you see a jar, grab it! </p> <h4>Paul Michael</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-17.jpg" alt="Paul Michael" width="85" height="85" /> <p>My best purchase is a little off the beaten track. I purchased my own company. Well, by that I mean I incorporated my small freelance business.</p> <p>I was a little afraid at first. I mean, it&#39;s a big step to become a business owner, or so I thought. A friend had recommended Legalzoom.com, another Incfile.com. I did Incfile because it was a lot cheaper and just as professional. It cost me about $130 to do the paperwork, but the tax advantages are so amazing that it has already paid for itself 20 times over. I can now write-off everything from new computer equipment to mileage and business lunches. </p> <p>Whereas before I was afraid of earning too much in one year because of the tax hammer coming down, now it doesn&#39;t worry me. And when I did my taxes in March, I was surprised to see just how much my incorporation had saved me. Roughly $3000. Not bad. It&#39;s all completely legal, I&#39;m not dodging taxes or anything like that, I am simply getting a better deal because the taxman treats businesses a lot better than individuals. If you have a small business, be it making hair bows, mowing lawns or selling art, I would suggest looking into incorporation. The tax advantages are enormous. </p> <p>By the way, I opted for LLC. There are others, like S-Corp and C-Corp, but they all have different pros and cons. Check them out with an accountant.</p> <h4>Lynn Truong</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-11.jpg" alt="Lynn Truong" width="85" height="85" /> <p>I know the skepticism of those who don&#39;t own one. Won&#39;t it make you watch more TV? Does skipping commercials really save you that much time? Isn&#39;t it just a glorified VCR, which you never used anyway?</p> <p>I admit, I follow a lot of TV shows. But if I log in my daily TV hours, it&#39;s between 1-2 hours. That&#39;s because I don&#39;t surf (if I feel like watching TV, I go directly to shows saved in my DVR instead of scanning mindlessly through the hundreds of channels, trying to find something of interest at that given moment), and skipping commercials saves a lot of time. If you consider that commercials take up 20 minutes each hour (I know this because unless I start watching at least 20 minutes after the show has started, I will inevitably catch up to it live, and will need to sit through at least one or two more sets of commercials), you can actually watch 3 hour-long shows in 2 hours.</p> <p>A DVR guarantees that whenever you want some TV time, you&#39;ve got something good to watch. If I&#39;ve already caught up on all my regular shows, or it&#39;s rerun season, I can browse through Good Eats, Globe Trekker, The Simpsons, Man vs. Wild--shows that I don&#39;t keep up with, but I enjoy and always keep an episode or two saved. You can program all sorts of neat things with the DVR. For these shows, I reserve one or two episodes each. The DVR will keep recording the latest show every time it sees it on. While the shows that I religiously follow, I set it to record every week, without set numbers of episodes. So if I don&#39;t watch Heroes for 4 weeks, I&#39;ll have all 4 episodes still saved. But for a show like Good Eats, there&#39;s always just two of the most recent episodes.</p> <p>I&#39;m home all day, so I have the flexibility to schedule my TV time, but it&#39;s not worth it. TV is the last thing I need to work around. But when I&#39;m ready for a break, I like to relax on my favorite chair and see what happened on Oprah a few hours ago, and if that&#39;s a repeat, let&#39;s see what&#39;s cooking on Good Eats.</p> <p>And another big perk is when it&#39;s a great and exciting moment on 24 and the phone rings or there&#39;s a knock at the door or your roommate comes home blabbing on the cell phone, you can just pause or rewind and you didn&#39;t miss a thing.</p> <p>This is how I can follow Heroes, 24, Gilmore Girls, Scrubs, Grey&#39;s Anatomy, CSI, Lost, Battlestar Galactica, Oprah, The Daily Show, The Colbert Report, Nip/Tuck, America&#39;s Next Top Model, Desperate Housewives, How I Met Your Mother, and Smallville on 1-2 hours/day.</p> <h4>Andrea Dickson</h4> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/pictures/picture-14.jpg" alt="Andrea Dickson" width="80" height="80" /> <p>My house doesn&#39;t have a lot of storage space, and I have a lot of stuff. My master bath is the size of a closet, and my countertop was overflowing with my various hair and skin care products. Under the counter didn&#39;t offer a convenient solution to my storage problem, as I could find no good way to arrange everything that I needed on a daily basis.</p> <p>I finally decided that I needed a medicine cabinet. I had to fight for my right to get it. EVERYONE advised against it. My mom called them &#39;tacky&#39;. My boyfriend tried to shame me out of it by pointing out how the stainless steel cabinet that I chose at IKEA wouldn&#39;t match the Craftsman style of my home.</p> <p>But I would NOT be deterred, and I&#39;m so glad that I stuck to my guns on this one.</p> <p>For $60, I bought a HUGE cabinet that holds all of those little vials and bottles and brushes and capsules. It&#39;s mirrored inside and out, so if I&#39;ve got some strange pimple that needs examining or a errant eyebrow that needs plucking, I can find a good angle for viewing and destroying, using any of the reflective surfaces on my medicine cabinet. </p> <p>My countertop is finally clean and clear, which is a first for me. Ever. To sweeten the deal even more, my stuff actually looks GOOD inside of the cabinet - when I open the mirrored doors, it&#39;s like opening a vault onto a treasure trove of beauty potions.</p> <h4>You?</h4> <p>What was your best purchase in the past year? Share your brilliant buy with us in the comments, and you&#39;re automatically entered in a drawing for a $25 Amazon gift certificate! Be sure to enter your email address when commenting so we can contact you if you win (we don&#39;t use email addresses for anything other than contacting the winners, we promise).</p> <p><strong>THE DRAWING HAS ENDED. CONGRATULATIONS TO </strong><strong>SYLRAYJ</strong><strong>, OUR WINNER OF THE DRAWING! </strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/what-was-your-best-purchase-in-the-past-year">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/the-state-sales-tax-holiday-is-coming">The State Sales Tax Holiday is coming...</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-case-for-amazon">The Case for Amazon</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/use-less-cash-for-your-jcpenney-purchase">Use Less Cash for Your JCPenney Purchase</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-body-scrubs">The 5 Best Body Scrubs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-retailers-with-the-absolute-best-customer-service">7 Retailers With the Absolute Best Customer Service</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon deal gift certificate purchase savings shopping smart buy Mon, 25 Jun 2007 21:46:07 +0000 Andrea Karim 771 at http://www.wisebread.com Resisting the impulse beauty buy http://www.wisebread.com/resisting-the-impulse-beauty-buy <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/makeup.jpg" alt=" " width="168" height="224" /></p> <p>Are you an impulse beauty shopper? Do you find yourself buying stuff in a desperate attempt to look and feel better, only to find yourself crushed under the weight of your credit card bills?</p> <p>It doesn't have to be that way.</p> <p>It's been said that luck favors the prepared. What that essentially means is, the prepared are merely better equipped to deal with life. And being prepared is the ultimate weapon in the battle against the impusle buy, <strong><em>especially</em></strong> those purchases pertaining to personal appearance.</p> <p>Here are two problems and two solutions that I have come up with to help me save money and save my sanity when it comes to beauty.</p> <p><strong>Problem:</strong> You feel bloated, gross, and generally unattractive. It's a bad hair day, your fingernails are dirty, and you're finding wrinkles around your eyes that didn't used to be there. You woke up too late to pull a proper outfit together, so you're wearing unwashed clothes, and you forgot to reapply deodorant, so you are struggling to keep your arms at your sides.</p> <p>You feel, in a word, icky. And OF COURSE everyone around you looks stunning.</p> <p><strong>Old Solution:</strong> You book yourself a haircut and manicure during lunch, and drop by Target (or Saks Fifth Avenue) for some new duds on your way back into the office.</p> <p><strong>New Solution:</strong> I used to have this problem all the time. Sometimes, I still do. If I oversleep, or underestimate the amount of time I need to get ready in the morning, I might end up dashing into the office wearing yesterday's outfit with paint in my hair from the remodeling that I've been doing. Man, it can be tough to get through the day when you feel and look like crap.</p> <p>Just in case I wake up late and don't have time to look my best, here's what I've come up with to keep my morning mistake from turning into a spending disaster.</p> <p>I carry some supplies with me: small travel pouch with makeup, antiperspirant, styling product, blemish control, and nail clippers. These items can help me go from looking and feeling grimy to looking and feeling normal. I also keep some baby wipes in a little plastic baggie - sort of like a portable sponge bath. These are especially helpful during sandal season, when my toes get all gross and dirty by the end of the day, and I still have a night out with the girlfriends planned.</p> <p><strong>Problem:</strong> You're flipping through a fashion magazine at home, admiring Gwen Stefani's abs, Jessica Biel's posterior, and Rosario Dawson's flawless skin. You get up for a drink of water and catch a glimpse of yourself in the mirror. You just about fall over from fright. Your hair is limp and lifeless. Your eyes have dark circles underneath them. You have wrinkles. You have flab.</p> <p><strong>Old Solution:</strong> You don a baseball cap and sprint to the nearest drug store. Armed with microdermabrasion kits, hair masques, cellulite-dissolving cream, and nail polish, you return home to fight the battle against ugly. You find a cosmetic surgeon online and book an appointment for some collagen and Botox while you're at it.</p> <p><strong>New Solution:</strong> It's time to let go of the magazines. Magazines cost you a lot every year. Not just in the cost of the newstand price or the subscription, but in what magazines drive you to purchase.</p> <p>Memorize this little fact - <a href="http://www.tmz.com/2007/01/21/yikes-no-makeup/">celebrities and models</a> are human, and <a href="http://seehere.blogspot.com/2006/08/celebrities-without-makeup.html">they can look as ugly</a> as you and me. My mother used to scoff at my fascination with celebrity glamour, and tried to downplay my resulting dispair over my own fully human appearance. &quot;You think that's natural? That's airbrushing!&quot;. I didn't believe her then, but thanks to the internet and a few years of experience, I now know that NO ONE looks as good as they do in the magazines.</p> <p>Celebrities and other &quot;pretty&quot; people have TEAMS that prepare them for every outing, every event. Even the more 'candid' photos you see in magazines of so-and-so at a charity event are touched up, removing cellulite from Giselle's buttocks (yes, Giselle has cellulite) and erasing years from Goldie Hawn's mug.</p> <p>Jamie Lee Curtis <a href="http://www.usatoday.com/life/2002-08-19-jamie-lee_x.htm">graciously posed</a> for More Magazine a couple of years ago, showing what she looks like before and after she was 'done up' by the More team of beauty magicians. Jamie Lee Curtis is a really cute lady, and even her before pictures look fine, but it's NOTHING like the after picture.</p> <p>There's nothing wrong with trying to look nice, but those of us who spend hours obsessing over our perceived imperfections are wasting our time, striving for a beauty ideal that doesn't, CAN'T exist outside of the glossy pages of a magazine. This is two-dimensional beauty at its worst.</p> <p>If you find yourself trapped in a vicious beauty circle, spending your way into debt while striving to attain a perfection that is unreachable, consider a different form of entertainment. I love me some magazines, but I'd rather read the ones with more content - news, travel, cooking, or home decor. Branch out a little. Read a book. Don't let Vogue tell you what you need.</p> <p><em>Picture by</em><a href="http://www.flickr.com/people/cleanwalmart/"><em> Clean Wal-Mart</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/resisting-the-impulse-beauty-buy">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/reduce-your-credit-limits-to-manage-your-spending">Reduce Your Credit Limits to Manage Your Spending</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-financial-habits-just-bad">Are Your Financial Habits Just Bad?</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/your-debt-is-killing-you-heres-the-cure">Your Debt Is Killing You — Here&#039;s the Cure</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/is-paypal-making-impulse-buyers-of-us-all">Is Paypal making impulse buyers of us all?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-body-scrubs">The 5 Best Body Scrubs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Health and Beauty Shopping buy debt impulse purchase Mon, 11 Jun 2007 21:52:33 +0000 Andrea Karim 718 at http://www.wisebread.com Now is The Time to Buy: Skis, Winter Coats, Candy http://www.wisebread.com/now-is-the-time-to-buy-skis-winter-coats-candy <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/goggles_sm.jpg" alt=" " width="298" height="197" /></p> <p>As winter continues to blast away in the Northeast, other parts of the country are warming up a bit. Regardless of where you live, it&#39;s likely that your major retailers are beginning to make way for spring merchandise by having great big sales on all that winter stuff.</p> <p>REI is now having a sale on their winter gear, and now is a good time to stock up on <strong>snowboards</strong>, <strong>skis</strong>, <strong>boots</strong>, <strong>gloves</strong>, <strong>jackets</strong> and <strong>snowsuits</strong>, and everything cold that you can think of. REI is normally a tad on the expensive side, but their sales are good, and they have excellent customer service. Order online if you don&#39;t live near an REI, and make sure to <a href="http://www.usoutdoorstore.com/d_snowsports/ski-sale.htm">look for free shipping</a>. Check out other sporting goods and outdoor equipment stores in your area to see when they start selling off their winter inventory. Sierra Trading Post is always has cheay outdoor stuff - now it&#39;s<a href="http://www.sierratradingpost.com/"> Spring Skiing</a> time.</p> <p><strong>Coats</strong> can be counted on to look more or less the same from season to season, so if you see a fabulous parka at a good price now, get it and you&#39;re prepared for next winter. Whether you shop at Target or Nordstrom (or Macy&#39;s, or Sak&#39;s, or Walmart), there&#39;s a good chance that your favorite store is selling, or getting ready to sell, some lovely coats at major discounts. These sales often continue into March, so you might be wise to find out when they end, and snap up the best bargains as the retailers get more desperate.</p> <p>Another thing to grab while you can is <strong>leftover Valentine&#39;s Day candy</strong>. My local Rite Aid can&#39;t get rid of it fast enough, so prices are excellent (entire bags of candy for a dollar). Buy it now and you&#39;ll have your stash for Easter. There are plenty of non-heart-shaped candies for sale, but even pink cinnamon hearts or jellybeans are good when they fill the inside of a plastic Easter egg. Go to your local drug store, grocery store, or even megamart an grab the V-Days candies in pastel shades before they sell out.</p> <p>In Seattle, where spring is always early, the equipment swaps are gearing up. Now is the time for Seattlites to get their hands on great used bikes. If you are looking for a new-to-you bicycle for spring, Google your local area to see when the swap meets begin.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/now-is-the-time-to-buy-skis-winter-coats-candy">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/4-easy-steps-to-buying-lingerie-for-your-wife-girlfriend-or-significant-other">4 Easy Steps to Buying Lingerie for Your Wife, Girlfriend, or Significant Other</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/buy-sell-make-a-profit-thanks-office-depot">Buy. Sell. Make a Profit. Thanks Office Depot.</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/flower-power-a-guide-to-frugal-valentines-flowers">Flower Power - A Guide to Frugal Valentine&#039;s Flowers</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/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/resisting-the-impulse-beauty-buy">Resisting the impulse beauty buy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping candy coats February gloves jackets purchase Sale season ski equipment snow snowboard sweets Valentine's Day Tue, 20 Feb 2007 20:53:52 +0000 Andrea Karim 289 at http://www.wisebread.com