budget http://www.wisebread.com/taxonomy/term/1413/all en-US Best Money Tips: Plan a July 4th Blowout on a Budget http://www.wisebread.com/best-money-tips-plan-a-july-4th-blowout-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-plan-a-july-4th-blowout-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/july-fourth-party-95517187-small.jpg" alt="july 4th party" title="july 4th party" class="imagecache imagecache-250w" width="250" height="154" /></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 wonderful articles on ways to plan a July 4th blowout on a budget, how bridesmaids can avoid going broke, and small business ideas for kids.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.smartasset.com/blog/money-saving-tip/6-ways-to-plan-a-july-4th-blowout-on-a-budget/">6 Ways to Plan a July 4th Blowout on a Budget</a> &mdash; Having a potluck and opting for BYOB can make your July 4th celebration a frugal one. [SmartAsset Blog]</p> <p><a href="http://www.savvysugar.com/How-Bridesmaids-Can-Save-Money-28761369">8 Ways Bridesmaids Can Avoid Going Broke</a> &mdash; To avoid going broke as a bridesmaid, be smart about gift giving and do your own makeup and hair. [POPSUGAR Smart Living]</p> <p><a href="http://www.biblemoneymatters.com/10-small-business-ideas-for-kids/">10 Small Business Ideas for Kids</a> &mdash; If your child wants to start a business, consider having them try walking dogs or mowing lawns. [Bible Money Matters]</p> <p><a href="http://christianpf.com/ways-to-give-cash/?hvid=43mAc">26 Ways to Give Cash You've Never Thought Of</a> &mdash; Do you like to give people cash as a gift? Make it a little more special by giving it in a money bouquet. [Christian PF]</p> <p><a href="http://www.moneyunder30.com/things-soccer-can-teach-you-about-money">Funny Money: 5 Things Soccer Can Teach You About Money</a> &mdash; When it comes to money, soccer can teach you that your head is your best weapon. [Money Under 30]</p> <h2>Other Essential Reading</h2> <p><a href="http://moneyning.com/budgeting/while-youre-planning-for-tomorrow-dont-forget-to-live-for-today/">While You're Planning for Tomorrow, Don't Forget to Live for Today</a> &mdash; Sometimes it's ok to splurge if your splurge is intentional. [MoneyNing]</p> <p><a href="http://livingonthecheap.com/avoid-vacation-rental-scams/">How to Avoid Vacation Rental Scams</a> &mdash; When it comes to vacation rentals, keep in mind that if it sounds too good to be true it probably is. [Living on the Cheap]</p> <p><a href="http://cashmoneylife.com/imrpove-small-business-results/">Improve Your Small Business Results with Mindfulness</a> &mdash; Taking breaks and delegating can improve your small business results. [Cash Money Life]</p> <p><a href="http://couponpal.com/blog/5-reasons-you-should-be-composting">5 Reasons You Should Be Composting</a> &mdash; Did you know composting makes your fruits and veggies taste better? [CouponPal Blog]</p> <p><a href="http://parentingsquad.com/5-not-so-sweet-summer-treats-for-kids">5 Not-So-Sweet Summer Treats for Kids</a> &mdash; If you need a refreshing treat for your kids this summer, give them frozen banana pops. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-plan-a-july-4th-blowout-on-a-budget" class="sharethis-link" title="Best Money Tips: Plan a July 4th Blowout on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Entertainment best money tips blowout budget July 4th party Tue, 24 Jun 2014 19:00:05 +0000 Ashley Jacobs 1147198 at http://www.wisebread.com 20+ Freebies for College Students http://www.wisebread.com/20-freebies-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-freebies-for-college-students" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/pizza-imsis591-052-small.jpg" alt="college food" title="college food" class="imagecache imagecache-250w" width="250" height="174" /></a> </div> </div> </div> <p>&quot;This is the worst possible year to graduate from college in history.&quot;</p> <p>I heard this exact same phrase back in 2002, then again in 2007, and yet again in 2009 as I completed my university studies in those years. Yet, I found that there was no need to be so gloomy. (See also: <a href="http://www.wisebread.com/8-financial-to-dos-for-college-freshmen?ref=seealso">8 Financial To-Dos for College Freshmen</a>)</p> <p>Yes, college costs are still on the rise. But college life is full of exciting opportunities and, more importantly, full of savings. You just have to look in the right places. Here are 25 ways to take advantage of those savings.</p> <h2>Entertainment</h2> <p style="font-size: 13px;">All work and no play makes Jack a dull student. Start off with these fun freebies.</p> <h3>1. Lunch and Dinner</h3> <p style="font-size: 13px;">Getting a cheap meal doesn't mean limiting yourself to tuna sandwiches and ramen noodles for your entire school life. By joining on-campus clubs and organizations, you may be able to score free lunches and dinners several times a week. Even if you just attend one club meeting a week, you could save as much as $50 a month in food. Another way to get free meals is to volunteer for alumni association events and attend student club evening mixers.</p> <h3>2. Free Soda</h3> <p style="font-size: 13px;">Several fast food chains, such as Chipotle and Chick-Fil-A, offer free sodas to customers that show a valid student ID. Don't hesitate to ask before making your purchase.</p> <h3>3. Washington Post</h3> <p style="font-size: 13px;">If you enjoy reading the Washington Post with your morning coffee, then get&nbsp;<a href="https://account.washingtonpost.com/actmgmt/registration/get-nonpaid-access">free digital access</a>&nbsp;with your .edu email.</p> <h3>4. Movies</h3> <p style="font-size: 13px;">Student campuses across America host free movie nights during nights at quads or campus centers. Check the campus events calendar for movie listings and enjoy a night out with your friends. (See also:&nbsp;<a href="http://www.wisebread.com/you-never-need-to-pay-to-watch-movies-heres-why?ref=seealso">You Never Need to Pay to Watch Movies</a>)</p> <h3>5. Museum Admission</h3> <p style="font-size: 13px;">Several museums offer free admission to exhibit halls to holders of a valid university ID on certain days. Some examples are the&nbsp;<a href="http://www.mfa.org/membership/universities">Boston Museum of Fine Art</a>&nbsp;and the&nbsp;<a href="http://www.philamuseum.org/education/273-233.html">Philadelphia Museum of Art</a>. Make sure to check the website of your local museums for specific days and times.</p> <h3>6. Sporting Event Tickets</h3> <p style="font-size: 13px;">Several universities, such as my&nbsp;<em>alma mater</em>, the&nbsp;<a href="http://hawaiiathletics.com/sports/2010/12/7/GEN_1207100846.aspx?tab=studenttickets">University of Hawaii</a>, offer free sports tickets to current students with valid student IDs. My school even offers free bus rides to the football stadium and back to the campus.&nbsp;Make sure to check if you qualify for free tickets and get them early because they go fast.</p> <h2>School Supplies and Tools</h2> <p>You spend enough money as it is on books and supplies &mdash; here is how to stretch those dollars.</p> <h3>7. Amazon Student</h3> <p>Free for the first six months, <a href="http://www.amazon.com/gp/student/signup/info/?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;linkId=SAM2O7RD2U33ON3D">Amazon Student</a> provides free two-day shipping on millions items. Also, Amazon rewards you with a $10 credit for every friend that you refer to this program. There is no cap on the amount of credits you can get, so become the big man on campus by spreading the word to your buddies about Amazon Student. After the six-month free trial, you get the chance to sign up for Amazon Prime at 50% off.</p> <h3>8. Printing</h3> <p>There are two ways to spend the least possible on printing. The first one is to check with your instructor if you can submit your files digitally. The second one is to take advantage of the technology fee that you are most likely already paying. Check with your student union to find out which computer labs allow you to print for free and what the daily limits on free printing are</p> <h3>9. Autodesk Software</h3> <p>Engineering, architecture, animation, and design students rejoice. There is no need to get illegal copies anymore &mdash; you can get free Autodesk software with your valid .edu email. The <a href="http://www.autodesk.com/education/free-software/students-university/all-products">list of free 57 Autodesk programs</a> includes the very popular 3ds Max, AutoCAD, Inventor Professional, Maya, Revit, and Fusion 360.</p> <h3>10. Microsoft Software</h3> <p>Microsoft is giving away its Windows operating system and other <a href="https://www.dreamspark.com/Student/Software-Catalog.aspx">premium software</a>, such as <a href="https://www.dreamspark.com/Student/Default.aspx">Visual Studio Professional suite</a>, at no cost to university students with a valid .edu email. If you are in the field of computer programming, you can use some of that free software to submit your entry to <a href="https://www.imaginecup.com">Microsoft's ImagineCup</a>, a global student technology competition. The prizes start at $1,000 and, if your team makes to the finals, include a trip to Seattle and a chance for a private meeting with Bill Gates.</p> <h3>11. Welcome Back Events</h3> <p>College bookstores often host these events during the first week of the fall semester to welcome returning students and freshmen. These events are great for scoring goodies ranging from notebooks to highlighters to pens. Stock up on free school supplies that you can use throughout the semester.</p> <h2>Money Matters</h2> <p>From insurance to banking to tax preparation, here are some freebies that college students can get.</p> <h3>12. Checking Accounts</h3> <p>On your first week on campus, you have to find out whether your university has a credit union. University credit unions often offer free checking and savings accounts without any monthly fees to students. Some even provide free debit cards and online bill pay. By setting up your checking account at your local credit union, you can be in your way to building a strong financial foundation and be eligible for a line of credit in the near future.</p> <h3>13. Health Insurance</h3> <p>Even if you are attending school and financially independent from your parents, as long as you are <a href="https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/">younger than 26 years old</a>, you can be kept on your parent's health insurance policy.</p> <h3>14. Bitcoin</h3> <p>Students with a valid .edu email may be eligible for a <a href="http://blog.coinbase.com/post/85758038492/10-of-free-bitcoin-for-college-students">free $10 in bitcoin</a>. The offer is from Coinbase, one of the most popular bitcoin wallets in the U.S. By signing up for a new Coinbase account with your .edu email, you get $10 worth in bitcoin and $1 for each person referred. Some of the students that have taken advantage of this offer include those from University of Illinois at Urbana-Champaign, University of Texas at Austin, UCLA, and UC Berkeley. With the current market value of a single bitcoin in the upper $600's, you could see a nice return on those free coins. Just keep an eye on the <a href="https://www.linkedin.com/today/post/article/20140516185817-22868355-5-takeaways-from-irs-notice-2014-21-for-bitcoin-users">tax rules when using a cryptocurrency</a>.</p> <h3>15. International Travel Insurance</h3> <p>If you already own an <a href="http://www.myisic.com">International Student Identity Card</a> issued in the U.S., then you already have <a href="http://www.myisic.com/Travel/Insurance.html">basic travel insurance</a> that covers you while abroad. This is very helpful to meet the travel insurance requirement from some universities and consulates. Some of the benefits include trip and baggage delay, repatriation of remains, and accident and sickness medical expense coverage.</p> <h3>16. Taxes</h3> <p>If you are a U.S. nonresident and you are receiving scholarship or fellowship grants, you may be able to adjust your taxable gross income. When all or most of your grant monies are spent on tuition, books, and university fees, then you can include an Attachment to Form 1042-S to make those grant monies exempt from taxes. Additionally, some countries, such as China and India, have <a href="http://www.irs.gov/Businesses/International-Businesses/United-States-Income-Tax-Treaties---A-to-Z">tax treaties with the U.S.</a> that allow students from those countries additional tax breaks.</p> <h3>17. Tax Preparation</h3> <p>During tax season, many universities offer free tax preparation services for students. Don't forget to check the requirements for eligibility, such as a maximum gross income.</p> <h3>18. Tuition</h3> <p>Yes, you are reading that right. While on-campus student jobs may not offer much per hour, several offer tuition waivers. Contact your local student union or student center and ask how you can look for on-campus jobs that offer tuition waivers. Some of them may be available online, but other ones may be only available through that office. Ask around!</p> <h2>Miscellaneous Items</h2> <p>These items don't fall into a specific category, but that doesn't mean that they are less free!</p> <h3>19. Condoms</h3> <p>Drop by your school's health center and stock up on many as you want. Just make sure to check the expiration date on the packaging, if available. Stay safe on the cheap.</p> <h3>20. Counseling and Stress Management Services</h3> <p>If this is your first time away from home, you may feel a bit overwhelmed. Combat those student blues with help from on-site professionals at no cost. Some schools are even offering <a href="http://www.news.iastate.edu/news/2009/sep/biofeedback">biofeedback centers</a> to their students to help them measure and handle all levels of stress. The cost of counseling and stress management services is quite expensive outside of school, so if you need it, take advantage of these free on-campus services.</p> <h3>21. Social Media Freebies</h3> <p>Turn your social media influence into freebies. New York-based startup Sumpto has a reward system for students with a valid .edu email and Facebook account. The higher your <a href="http://www.sumpto.com">Sumpto score</a>, the better your rewards. If you are very active on Twitter and Facebook, you'll start getting free stuff in no time. Some of the companies that have provided freebies include Party City, Kraft, Chobani, Red Bull, and Office Depot.</p> <p><em>What are your favorite freebies for college students? Please share in comments!</em></p> <a href="http://www.wisebread.com/20-freebies-for-college-students" class="sharethis-link" title="20+ Freebies for College Students " rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Frugal Living Education & Training budget college freebies school student Wed, 11 Jun 2014 13:00:52 +0000 Damian Davila 1142125 at http://www.wisebread.com Best Money Tips: Celebrate Cinco de Mayo on a Budget http://www.wisebread.com/best-money-tips-celebrate-cinco-de-mayo-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-celebrate-cinco-de-mayo-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/picjumbo.com_IMG_2565_800.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="167" /></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 celebrating Cinco de Mayo on a budget, keeping your kids entertained this summer, and tips for success on LinkedIn.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Cinco-de-Mayo-Budget-34693374">5 Ways to Celebrate Cinco de Mayo on a Budget</a> &mdash; To celebrate Cinco de Mayo on a budget, host your own fiesta. [PopSugar Smart Living]</p> <p><a href="http://www.moneytalksnews.com/2014/05/01/10-low-cost-ways-to-keep-your-kids-entertained-this-summer/">10 Low-Cost Ways to Keep Your Kids Entertained This Summer</a> &mdash; Making homemade play-doh or or drawing a life-sized portrait are just a couple ways to keep your kids entertained this summer. [Money Talks News]</p> <p><a href="http://www.thousandaire.com/5-tips-for-success-on-linkedin/">5 Tips for Success on LinkedIn</a> &mdash; Being selective with your connection requests can help you be successful on LinkedIn. [Thousandaire]</p> <p><a href="http://www.bargaineering.com/articles/turn-tantalizing-foreign-cuisine-budget-meals.html">Turn tantalizing foreign cuisine into budget meals</a> &mdash; Did you know many international dishes are simple to make and easy on your pocketbook? [Bargaineering]</p> <p><a href="http://moneyqanda.com/compete-in-job-market/">How To Compete In The Current Job Market</a> &mdash; If you are trying to compete in the current job market, create a personal website and promote yourself. [Money Q&amp;A]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.moneycrashers.com/ways-sell-home-without-open-house/">Top 6 Ways to Sell Your Home Without Hosting an Open House</a> &mdash; Offering virtual tours of your home can help you sell it without hosting an open house. [Money Crashers]</p> <p><a href="http://www.creditsesame.com/blog/tips-for-maximizing-your-retirement-savings/">4 Quick Tips for Maximizing Your Retirement Savings</a> &mdash; Minimizing your account fees can help you maximize your retirement savings. [Credit Sesame]</p> <p><a href="http://kiplinger.com/article/spending/T065-C000-S002-3-simple-steps-to-switch-cable-companies.html?si=1">3 Simple Steps to Switch Cable Companies</a> &mdash; If you want to switch cable companies, start by calling your current provider to see if you can get a better price. [Kiplinger]</p> <p><a href="http://parentingsquad.com/how-to-create-an-at-home-spa-day-for-mothers-and-daughters">How to Create an At-Home Spa Day for Mothers and Daughters</a> &mdash; To create an at-home spa day, serve nourishing snacks and experiment with DIY spa treatments. [Parenting Squad]</p> <p><a href="http://howsmarriedlife.net/social-media-rules-married-couples/">Social Media Rules for Married Couples</a> &mdash; When dealing with social media as a couple, be sure to separate business from your personal life. [How's Married Life]</p> <a href="http://www.wisebread.com/best-money-tips-celebrate-cinco-de-mayo-on-a-budget" class="sharethis-link" title="Best Money Tips: Celebrate Cinco de Mayo on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Food and Drink best money tips budget Cinco de Mayo Mon, 05 May 2014 08:48:22 +0000 Ashley Jacobs 1137787 at http://www.wisebread.com How to Spend Less on Everything in 2014 http://www.wisebread.com/how-to-spend-less-on-everything-in-2014 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-spend-less-on-everything-in-2014" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/piggy-bank-452253103.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Did you make a resolution to spend less money and save more in 2014? You&#39;re not alone. According to research conducted at the University of Scranton and published in Journal of Clinical Psychology, this is the third most common New Year&#39;s resolution made by Americans. (The number one resolution is to lose weight followed by the resolution to get organized.)</p> <p>We live in a &quot;buy, buy, buy&quot; culture. Retailers and society pressure us into spending with &quot;deals that can&#39;t be missed,&quot; enticing loyalty programs, coupons galore, and plenty of glossy ads everywhere we turn, online and off. So how can we keep our resolution to save more and spend less when temptation is all around us? Here are five strategies that will help. (See also: <a href="http://www.wisebread.com/7-financial-moves-you-must-make-in-2014?ref=seealso">Financial Moves You Should Make This Year</a>)</p> <h2>1. Become a DIY Ninja With Pinterest</h2> <p>As much pressure as there is to spend money, DIY has become a trendy way to live life. Pinterest is a perfect vehicle for ideas, inspiration, and instructions for DIY home decor, clothing, crafts, gifts, and everything in between. Plus, it also gives you the platform to brag about your own DIY skills, show off what you make, and share what you learn with others.</p> <h2>2. Make a List of What You Need &mdash; and Use It</h2> <p>In 2013, LivePerson ran an online survey of consumers in five major Western markets. Seventy-seven percent said that they indulged in impulse buying while in-store, and 50% said they impulse shop online. Attractive displays; in-store signage that screams price savings; and appealing lighting, music, and staff can cause you to indulge on items you never intended to buy before you set foot in a store. It&#39;s a battle to stay focused, and the best weapon is a list. Write it out before you get to the store, stick to it, and don&#39;t browse. Get what you need and get out.</p> <h2>3. Dine and Entertain at Home</h2> <p>Dining out is a fun way to socialize with friends and colleagues. It&#39;s also an expensive one. Because menu prices have to cover the cost of running the restaurant and preparing the food, <a href="http://www.businessinsider.com/how-much-restaurants-mark-up-food-2013-10">restaurants mark-up dishes as much as 300%</a>. Plus, you have to add tax and tip. One of the best ways to spend less and save more is to cook your main meals at home and then meet up with friends for a drink, dessert, coffee, a walk, a movie, etc. Better yet, have them over to your place and prepare the meal together. These items still carry a mark-up as well (except for the walk!) although the mark-up is a much smaller dollar amount than what you would spend on a full meal. (See also: <a href="http://www.wisebread.com/learn-to-love-cooking-and-save-with-these-11-kitchen-tricks?ref=seealso">11 Kitchen Tricks to Make Cooking Fun</a>)</p> <h2>4. Keep Your Wardrobe Classic and Accessorize</h2> <p>Clothing is another item that carries a huge mark-up between what the item actually costs to manufacture and the retail price. And a sale isn&#39;t always a real sale. Many retailers inflate items to a ridiculous price and then offer huge sales to make it look like you&#39;re getting a bargain.</p> <p>The only way to fight this is to buy high quality items that last a long time, comparison shop, and keep your style classic. This way you can easily mix and match items to create new outfits, and you&#39;ll be able to wear these items longer than one season. An easy way to keep your look fresh is to have most of your clothing and shoes in neutral shades dressed up by colorful and punchy accessories. There&#39;s a hefty mark-up on accessories, too, although the actual dollar amount you spend on them is much less than most clothing items. (See also: <a href="http://www.wisebread.com/the-greatest-frugal-fashion-makeover-ever-refresh-your-wardrobe-for-25-or-less?ref=seealso">Refresh Your Wardrobe for $25 or Less</a>)</p> <h2>5. Set and Review Weekly and Monthly Savings Goals</h2> <p>What gets measured gets done.</p> <p>If you want to spend less and save more, you need to measure and review what you spend and what you save. Set a goal every week and every month. The moment you get paid, put that money aside and record it. Then record everything you spend. Regularly reviewing your spending and saving will keep you motivated and on-track. Once you see your bills going down and your savings grow, you&#39;ll want to keep that happy glow that comes from setting a goal and meeting it. (See also: <a href="http://www.wisebread.com/10-sites-and-apps-to-help-you-track-your-spending-and-stick-to-your-budget?ref=seealso">10 Sites and Apps to Help You Stick to Your Budget</a>)</p> <p>Spending less and saving more are wonderful goals. It&#39;s totally achievable, although it&#39;s going to take some willpower, and you may need to change some heavily ingrained habits. You&#39;ll feel peer pressure and pressure from retailers who would love nothing more than to see you give up this New Year&#39;s Resolution. Don&#39;t let that stop you and keep your eye on the real prize &mdash; a savings account that helps you feel safe, secure, and confident no matter what life throws your way.</p> <p><em>How are you planning to spend less and save more this year?</em></p> <a href="http://www.wisebread.com/how-to-spend-less-on-everything-in-2014" class="sharethis-link" title="How to Spend Less on Everything in 2014" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Budgeting budget saving spending Tue, 28 Jan 2014 10:48:09 +0000 Christa Avampato 1116898 at http://www.wisebread.com How to Resist Lifestyle Creep and Still Have Everything You Want http://www.wisebread.com/how-to-resist-lifestyle-creep-and-still-have-everything-you-want <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-resist-lifestyle-creep-and-still-have-everything-you-want" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/man-2557565-small.jpg" alt="man " title="man" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Levels of spending on some things seem to automatically go with levels of spending on other things. But there&#39;s no rule that says this has to be true. (See also: <a href="http://www.wisebread.com/choosing-a-luxury-eccentricity?ref=seealso">Choosing a Luxury Eccentricity</a>)</p> <h2>Overcoming the Lifestyle Problem</h2> <p>This is what I call &quot;The Lifestyle Problem.&quot; It&#39;s expensive enough to support yourself and your family, but supporting all those people <em>and </em>a lifestyle? That&#39;s a problem.</p> <p>Fortunately, the solution is easy: Don&#39;t do it. There is no rule that says certain expenses automatically imply other expenses. You are free to choose luxury in one area while choosing frugality in another. (See also: <a href="http://www.wisebread.com/8-little-luxuries-that-go-a-long-way?ref=seealso">Little Luxuries That Go a Long Way</a>)</p> <p>For example, my wife and I have a set of linen sheets to put on our bed in the summertime. They&#39;re two or three times as expensive as cotton &mdash; but they&#39;re luxuriously more comfortable when it&#39;s hot, plus they&#39;re more durable. They might seem incongruous with our cheap apartment and our 23-year-old Honda Civic, but we&#39;re very pleased with the balance we&#39;ve struck.</p> <h3>Splurge Strategically</h3> <p>Probably everybody you know does this in a small way &mdash; think of all your friends with perfectly normal budgets, except this one won&#39;t pay more than $12 for a haircut, that one won&#39;t go to movies in the theater, another insists on doing his own yard work (even though he hates it), and so on.</p> <p>Not so many do this in a big way. In fact, the only place you&#39;re likely to see this idea expressed in full measure is in young bachelors. You can recognize the subtype easily because their apartment is furnished with a recliner chair, a king-sized bed, and no other furniture.</p> <p>Do you want a fancy sports car, but are perfectly happy living in a cheap apartment? That&#39;s fine. Similarly fine is the reverse: cheap car, but a luxury apartment. Also fine: a cheap car, a cheap apartment, and a glorious annual vacation. You can have a few nice things without having to have <em>all</em> nice things! (See also: <a href="http://www.wisebread.com/why-you-should-allow-yourself-splurges?ref=seealso">Why You Should Allow Yourself to Splurge</a>)</p> <h2>Resisting Lifestyle Creep</h2> <p>Everybody knows this. And yet, it&rsquo;s deceptively <a href="http://www.wisebread.com/lifestyle-upgrades-beware-the-diderot-effect">easy to upscale all your expense categories</a> in tandem, without even noticing that you&#39;re doing it.</p> <p>And that&#39;s without considering the social pressures to do this. Just as soon as you start being thoughtful about this &mdash; and not upgrading this or that expense&mdash;you&#39;ll find that everybody and his brother has something to say about it: Why do you have such an old car/such crappy clothes/such a small TV? Why don&#39;t you live in a bigger house/better neighborhood? Why don&#39;t you buy nicer furniture/better wine/a fitness center membership? <em>You can afford it!</em></p> <p>The unstated assumption of that last sentence is that everyone should spend all their money. There are a lot of people out there who seem pretty determined that nobody subvert that assumption. (See also: <a href="http://www.wisebread.com/is-peer-pressure-keeping-you-poor?ref=seealso">Is Peer Pressure Keeping You Poor?</a>)</p> <p>It is possible to resist that social pressure. You can do it just by determination &mdash; in fact, that&#39;s probably the best way &mdash; but here are two tricks that I&#39;ve found help me.</p> <h3>1. Have a Style</h3> <p>Just about any style will do. If you have a style, it&#39;s easy to turn down the upgrades that don&#39;t match because, &quot;They&#39;re just not my style.&quot;</p> <p>Even if you don&#39;t pick a nameable style (bohemian, yuppy, whatever) people will still quickly figure it out &mdash; and will quit suggesting things that don&#39;t match. People don&#39;t tell yuppies that they need to buy a Lincoln Towncar for their commute or bohemians that they need to get designer onesies for the twins, and they&#39;ll be a lot less likely to tell you that you need to spend money on something that doesn&#39;t &quot;go&quot; with the things you do spend money on.</p> <p>Just be careful not to let the causality go the other way. Just because you&#39;ve decided to go with &quot;preppy&quot; is no reason to upgrade your wardrobe by spending a fortune on Brooks Brothers. (Not that you can&#39;t spend money on Brooks Brothers if you want to, and can afford it.) (See also: <a href="http://www.wisebread.com/the-greatest-frugal-fashion-makeover-ever-refresh-your-wardrobe-for-25-or-less?ref=seealso">Refresh Your Wardrobe for $25 or Less</a>)</p> <h3>2. Embrace the Eccentricity</h3> <p>Anybody whose spending is different from typical is, in fact, eccentric. Embrace that. Own it. But make it about something that matters to you:</p> <ul> <li>You are the person who won&#39;t hire a yard service to get rid of their dandelions because you don&#39;t want herbicides sprayed on your lawn (not because you&#39;re too cheap to spend the money).<br /> &nbsp;</li> <li>You&#39;re the person who doesn&#39;t go to movies in the theater because they turn the sound up too darned loud (not because you&#39;re too cheap to buy tickets).<br /> &nbsp;</li> <li>You&#39;re the person who doesn&#39;t eat out because you cook better food than you can get in a restaurant (not because you won&#39;t spring for the check).</li> </ul> <p>You can resist the tyranny of social rules to keep all your spending levels nicely lined up. Someone looking at my spending and trying to figure out what my &quot;lifestyle&quot; was would be utterly stymied &mdash; because the only rule my wife and I have is that we pay up for what we really want and spend as little as possible on the rest.</p> <p><em>How do you resist the temptation to overspend on lifestyle?</em></p> <a href="http://www.wisebread.com/how-to-resist-lifestyle-creep-and-still-have-everything-you-want" class="sharethis-link" title="How to Resist Lifestyle Creep and Still Have Everything You Want" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Lifestyle budget lifestyle Tue, 31 Dec 2013 10:49:34 +0000 Philip Brewer 1104836 at http://www.wisebread.com Save Money and Eat Better With a 7-Step Food Budget http://www.wisebread.com/save-money-and-eat-better-with-a-7-step-food-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-money-and-eat-better-with-a-7-step-food-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/cooking-5295174-small.jpg" alt="woman cooking" title="woman cooking" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>OK, confession time: I usually eat <a href="http://www.wisebread.com/how-to-live-alone-without-going-broke">rather crappy food at home</a>, and I love to go out to restaurants. However, I&#39;ve started really looking at how much money I&#39;m spending on food, especially because I&#39;m always suggesting the <a href="http://www.cnpp.usda.gov/Publications/FoodPlans/2013/CostofFoodJul2013.pdf">USDA food budget</a> (PDF) to my clients in my day job. I decided to try that budget myself. Based on the changes I had to make and what I learned, here&#39;s my advice for saving money by cooking at home. (See also: <a href="http://www.wisebread.com/how-to-find-time-for-home-cooked-meals">How to Find Time for Home Cooking</a>)</p> <h2>1. Take an Inventory and Plan Your Meals</h2> <p>The first step is to use this <a href="http://www.extension.iastate.edu/foodsavings/page/what-you-should-spend">helpful food calculator</a> to plan for how many meals you could realistically eat at home (because we all like to eat out sometimes, and there is nothing wrong with that). Next, make a list of the staples currently in your pantry and build on them. Most likely you have pasta hiding in there and a can or two of tomatoes. Try to build off what you already have before you buy more. (See also: <a href="http://www.wisebread.com/the-8-best-cooking-apps-to-make-mealtimes-manageable">Best Cooking Apps to Manage Meals</a>)</p> <h2>2. Buy Fresh, Local Produce</h2> <p>Go for fresh, local produce rather than grocery store produce from God knows where. And I know, when you hear the words &ldquo;Farmers Market&rdquo; you automatically think everything will be too expensive. But think about this: at a farmers market, the food probably came straight from the source only an hour or so away. At a grocery store, the food might have come from a country far away and be <a href="http://www.100daysofrealfood.com/2010/03/28/how-far-does-your-produce-travel/">a week or more old by the time it reaches your plate</a>. And whether or not the farmer&#39;s market is an option, use <a href="http://shelflifeadvice.com/content/six-tips-extending-shelf-life-foods">this guide</a> to extend the shelf life of your food from wherever you bought it. (See also: <a href="http://www.wisebread.com/what-not-to-buy-at-a-farmers-market">What NOT to Buy at a Farmers Market</a>)</p> <h2>3. Buy Staples in Bulk</h2> <p>If you have a big family, this is a great way to save money. A friend of mine was recently a victim of the recession &mdash; she lost her job through layoffs, lost her house through foreclosure, and was forced to go on SNAP (Supplemental Nutrition Assistance Program) for a few months. She has three children, two with diabetes and one with asthma, and times got tough. She said the only way she made it through it was with a Costco membership. So when you&#39;re planning out your staples, make sure you save at a big store. Just note that if you&#39;re single, buying in bulk can be a bad idea if what you&#39;re buying has an expiration date.</p> <h2>4. Organize Your Pantry</h2> <p>My parents often have the trouble of canned or boxed food expiring before they use it. It&#39;s not that they&#39;re wasteful; it&#39;s just that their pantry is too deep and hard to see into. If you have this problem, check out some ideas from the <a href="http://www.containerstore.com/shop/kitchen">Container Store</a> or <a href="http://www.ikea.com/us/en/catalog/categories/departments/kitchen/">Ikea</a> websites (I don&#39;t mean buy them, but they can inspire great ideas) and dig around on &quot;<a href="http://pinterest.com/search/pins/?q=organize%20kitchen">organize kitchen</a>&quot; on Pinterest. The Squawkfox has <a href="http://www.squawkfox.com/2012/07/02/pantry/">a helpful chart</a>. And never put something with a short shelf life in the pantry. Always keep it out on the counter to remind you to use it. (See also: <a href="http://www.wisebread.com/how-to-organize-your-pantry-and-save-cash">How to Organize Your Pantry</a>)</p> <h2>5. Stop Buying So Much Junk Food</h2> <p>After a strict week of no extra spending, I binged &mdash; I hopped into the grocery store and purchased ice cream, fun-sized candy bars, Oreos, and Little Debbies. I then walked into my apartment and smacked myself in the forehead. I am a believer that chocolate can heal you, so you shouldn&#39;t give it up completely, but buying four different kinds of chocolate at once will not make you feel better. Instead, try allowing yourself on treat per week.</p> <h2>6. Don&#39;t Bore Yourself</h2> <p>My biggest problem is that because I make the same meals so often, I usually get bored. I can only eat so many rice dishes, pasta, and frozen meals. And I love all kinds of fun and tasty food, so when I just make the same things over and over, it makes me want to eat out more. So, make sure you keep it interesting; certain flavorful foods can go a long way &mdash; ginger, garlic, basic veggies, spices. Experiment and have fun. <a href="http://www.eatingwell.com/recipes_menus/collections/cheap_eats">Eating Well</a> has some great suggestions and <a href="http://recipefinder.nal.usda.gov/">the USDA&#39;s website</a> (<em>down while the government funding lapse continues &mdash; Ed.</em>) helps you build cookbooks and recipes based on ingredients.</p> <h2>7. Save, Save, Save!</h2> <p>Okay, I don&#39;t mean eat gruel every night and skip breakfast. I mean, really try your best to not overspend on food you don&#39;t need. I&#39;ve read many articles and talked to many clients in my day job about how they grew up poor and now want to make up for that for their family. I completely understand, but if you make more money than you need to spend, save! Spending it to prove you can will not help you in the long run &mdash; and saving will help cover you in case you encounter an emergency like losing your job.</p> <p><em>What steps do you take to save on food?</em></p> <a href="http://www.wisebread.com/save-money-and-eat-better-with-a-7-step-food-budget" class="sharethis-link" title="Save Money and Eat Better With a 7-Step Food Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Food and Drink budget budgeting food budget groceries pantry Mon, 14 Oct 2013 09:48:04 +0000 Jennifer Holder 1013131 at http://www.wisebread.com Best Money Tips: Fall Trends on a Budget http://www.wisebread.com/best-money-tips-fall-trends-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-fall-trends-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/woman-250776-small.jpg" alt="woman wearing beanie" title="woman wearing beanie" class="imagecache imagecache-250w" width="250" height="167" /></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 fall trends on a budget, surviving losing your job, and things happy couples do differently.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thecentsiblelife.com/2013/09/10-fall-trends-on-a-budget/">10 Fall Trends on a Budget</a> &mdash; Beanies and slouchy pants are two fall trends you can get for under $50! [The Centsible Life]</p> <p><a href="http://www.dumblittleman.com/2013/09/how-to-survive-if-you-lose-your-job-and.html">How to Survive If You Lose Your Job And Get On The Road To Finding A New Employment Opportunity</a> &mdash; If you lose your job, consider filing for unemployment and revise your resume. [Dumb Little Man]</p> <p><a href="http://www.marcandangel.com/2013/09/12/10-things-happy-couples-do-differently/">10 Things Happy Couples Do Differently</a> &mdash; Happy couples tend to focus on what they like about each other and resolve conflicts through love, not retaliation. [Marc and Angel Hack Life]</p> <p><a href="http://timemanagementninja.com/2013/09/5-secrets-of-keeping-your-daily-life-in-balance/">5 Secrets of Keeping Your Daily Life in Balance</a> &mdash; To keep balance in your daily life, protect yourself from overload and know your priorities. [Time Management Ninja]</p> <p><a href="http://onecentatatime.com/importance-health-insurance-why-we-need/">Why do We Need Health Insurance</a> &mdash; Having health insurance can save you from financial disaster should something go terribly wrong with your health. [One Cent At A Time]</p> <h2>Other Essential Reading</h2> <p><a href="http://moneyqanda.com/save-money-on-your-mobile-phone-bill/">How To Save Money On Your Mobile Phone Bill</a> &mdash; Using apps to save money can help you save on your monthly phone bill. [Money Q&amp;A]</p> <p><a href="http://www.narrowbridge.net/take-an-account-inventory/">Take an Account Inventory</a> &mdash; Take some time to figure out all your different financial accounts and determine whether or not you can close any of them. [NarrowBridge Finance]</p> <p><a href="http://lifehacker.com/how-can-i-improve-my-listening-skills-1333981305">How Can I Improve My Listening Skills?</a> &mdash; To improve your listening skills, watch the speaker's body language and look invested. [Lifehacker]</p> <p><a href="http://www.savvysugar.com/How-Organize-Summer-Clothes-25474572">Fall: The Perfect Time to Organize Your Clothes</a> &mdash; Now that fall is here, take some time to store your summer clothes until the weather gets warm again. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/5-ways-to-keep-kids-busy-without-tv">5 Ways to Keep Kids Busy Without TV</a> &mdash; Keep your kids busy without the help of TV by giving them arts and crafts to do. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-fall-trends-on-a-budget" class="sharethis-link" title="Best Money Tips: Fall Trends on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Style best money tips budget clothes fall shopping trends Thu, 19 Sep 2013 10:24:15 +0000 Ashley Jacobs 988366 at http://www.wisebread.com Best Money Tips: Healthy Eating on a Budget http://www.wisebread.com/best-money-tips-healthy-eating-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-healthy-eating-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/eating-4249078-small.jpg" alt="eating" title="eating" class="imagecache imagecache-250w" width="250" height="167" /></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 fantastic articles on eating healthy on a budget, creating a work-friendly wardrobe, and getting closer to your dreams.</p> <h2>Top 5 Articles</h2> <p><a href="http://bargainbabe.com/10-tips-for-healthy-eating-on-a-budget/">10 Tips for Healthy Eating on a Budget</a> &mdash; If you want to eat healthy on a budget, eat more grains and beans. [Bargain Babe]</p> <p><a href="http://lifehacker.com/how-can-i-create-a-work-friendly-wardrobe-on-a-budget-825337978">How Can I Create a Work-Friendly Wardrobe on a Budget?</a> &mdash; To create a work-friendly wardrobe without breaking the bank, invest in quality pieces you will wear regularly. [Lifehacker]</p> <p><a href="http://timemanagementninja.com/2013/07/19-steps-to-get-closer-to-your-dreams/">19 Steps to Get Closer to Your Dreams</a> &mdash; Being the early bird and learning a new skill can help you get closer to your dreams. [Time Management Ninja]</p> <p><a href="http://www.fatwallet.com/blog/is-it-worth-keeping-your-old-car/">Is It Worth Keeping Your Old Car?</a> &mdash; When deciding whether or not to keep your old car, take into consideration car payments and insurance expenses.[FatWallet.com]</p> <p><a href="http://www.carefulcents.com/invest-in-yourself/">5 Life-Changing Ways to Invest in Yourself and See Big Returns</a> &mdash; Invest in yourself by saving some cash and getting a business coach. [Careful Cents]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialhighway.com/the-hidden-costs-of-job-hunting/">The Hidden Costs of Job Hunting</a> &mdash; When you are looking for a job, be prepared for transportation and wardrobe expenses. [Financial Highway]</p> <p><a href="http://www.dumblittleman.com/2013/07/are-fees-and-charges-draining-your-bank.html">Are Fees And Charges Draining Your Bank Account? Use These Tips To Save Money at the Bank.</a> &mdash; Monitoring your accounts and declining unwanted extras can help you save money at the bank. [Dumb Little Man]</p> <p><a href="http://www.savvysugar.com/Surprising-Things-Cause-Stress-31010213">7 Surprising Things You Didn't Know Were Stressing You Out</a> &mdash; Did you know that booze and venting can make you feel stressed out? [PopSugar Smart Living]</p> <p><a href="http://www.marcandangel.com/2013/07/19/5-ways-to-get-everything-you-truly-need/">5 Ways to Get Everything You Truly Need</a> &mdash; Dedicating your time to meaningful work will help you get everything you truly need. [Marc and Angel Hack Life]</p> <p><a href="http://parentingsquad.com/node/2335">6 Tips to Turn Toddler's &quot;I Can't&quot; Into &quot;I Can&quot;</a> &mdash; If you want to turn your toddler's &quot;I can't&quot; into &quot;I cans,&quot; keep things simple and keep them focused. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-healthy-eating-on-a-budget" class="sharethis-link" title="Best Money Tips: Healthy Eating on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Food and Drink best money tips budget eating healthy Thu, 25 Jul 2013 10:00:31 +0000 Ashley Jacobs 980833 at http://www.wisebread.com Best Money Tips: Why Personal Budgets Often Fail http://www.wisebread.com/best-money-tips-why-personal-budgets-often-fail <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-why-personal-budgets-often-fail" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/cash-4424084-small.jpg" alt="budget" title="budget" 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 fantastic articles on why personal budgets often fail, frugal Father's Day gifts, and tips for effective business networking.</p> <h2>Top 5 Articles</h2> <p><a href="http://onecentatatime.com/why-do-personal-budgets-often-fail/">Why Do Personal Budgets Often Fail?</a> &mdash; A personal budget may fail if the person doesn't budget for fun expenses. [One Cent At A Time]</p> <p><a href="http://bargainbabe.com/frugal-fathers-day-gifts-for-2013/">Frugal Father's Day Gifts for 2013</a> &mdash; This Father's Day, consider getting your dad a customized photo calendar or a book of memories. [Bargain Babe]</p> <p><a href="http://moneysmartlife.com/effective-business-networking/">5 Tips for More Effective Business Networking</a> &mdash; When you are networking for business, make sure you have an elevator pitch ready to go. [Money Smart Life]</p> <p><a href="http://yesiamcheap.com/2013/06/saving-money-sport-event-tickets/">Saving Money on Sports Tickets</a> &mdash; To save money on sports tickets, search for single tickets instead of trying to buy in pairs. [Yes, I Am Cheap]</p> <p><a href="http://www.carefulcents.com/college-students-freelancing/">4 Tips for College Students to Start Freelancing</a> &mdash; If you are a college student who wants to start freelancing, spend time creating a foundation. [Careful Cents]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.consumerismcommentary.com/choose-type-of-retirement/">4 Types of Retirement: Which Will You Choose?</a> &mdash; Are you planning on having a working retirement or are you keeping your fingers crossed for an independent retirement? [Consumerism Commentary]</p> <p><a href="http://livingonthecheap.com/earn-money-during-your-staycation/">How to earn money during a staycation</a> &mdash; Earn money during a staycation by using Gigwalk or Field Agent. [Living on the Cheap]</p> <p><a href="http://cashmoneylife.com/life-insurance-provider-out-business/">What Happens if Your Life Insurance Company Goes Out of Business?</a> &mdash; If your life insurance company goes out of business, your protection will come from your state which will try to get your policy transferred. [Cash Money Life]</p> <p><a href="http://parentingsquad.com/a-fathers-day-to-do-list">A Father's Day To-Do List</a> &mdash; This Father's Day, make it a rule to disconnect from technology and focus on your dad. [Parenting Squad]</p> <p><a href="http://www.savvysugar.com/How-Turn-Your-Home-Beach-30711952">Life's a Beach! This Summer, Turn Your Home Into One</a> &mdash; To turn your home into a beach this summer, make summery food and drinks. [PopSugar Smart Living]</p> <a href="http://www.wisebread.com/best-money-tips-why-personal-budgets-often-fail" class="sharethis-link" title="Best Money Tips: Why Personal Budgets Often Fail" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Personal Finance best money tips budget fail personal budget Tue, 11 Jun 2013 09:48:35 +0000 Ashley Jacobs 978061 at http://www.wisebread.com Best Money Tips: Effectively Reduce Your Food Budget http://www.wisebread.com/best-money-tips-effectively-reduce-your-food-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-effectively-reduce-your-food-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/shopping-3896238-small.jpg" alt="groceries" title="groceries" class="imagecache imagecache-250w" width="250" height="167" /></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 reducing your food budget, social media's role in job search, and saving on your water bill.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thesimpledollar.com/2013/06/05/seven-ways-we-effectively-reduce-our-food-budget/">Seven Ways We Effectively Reduce Our Food Budget</a> &mdash; Reduce your food budget by making your meals in advance and using a list. [The Simple Dollar]</p> <p><a href="http://www.freemoneyfinance.com/2013/06/social-medias-role-in-job-search-.html">Social Media's Role in Job Search</a> &mdash; Did you know that 49% of job seekers post inappropriate photos to their social media accounts? [Free Money Finance]</p> <p><a href="http://www.threethriftyguys.com/2013/06/best-way-to-save-money-on-your-water-bill-in-2013/">7 Best Ways to Save Money on Your Water Bill for 2013</a> &mdash; To save money on your water bill, get a water efficient washing machine. [Three Thrifty Guys]</p> <p><a href="http://www.fivecentnickel.com/2013/06/05/the-hidden-savings-in-a-rent-payment/">The hidden savings in a rent payment</a> &mdash; If you rent an apartment, chances are you are saving money on swimming pool expenses because you have one at your apartment complex. [Five Cent Nickel]</p> <p><a href="http://www.debt.org/blog/tips-planning-affordable-wedding/">Tips for the Wedding You Want at the Price You Need</a> &mdash; Trading your vows at a nontraditional venue can help you save money on your wedding. [Debt.org]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.carefulcents.com/side-gig-better-day-job/">3 Ways Rocking a Side Gig Can Make You Better at Your Day Job</a> &mdash; Your side job can make you better at your day job because it teaches you how to manage your time like a pro. [Careful Cents]</p> <p><a href="http://youngandthrifty.ca/dividend-investing-bank-stocks/">How to Get a Decent Net Worth By Age 30</a> &mdash; Get a decent net worth by age 30 by choosing a program that can lead to a satisfying career. [Young and Thrifty]</p> <p><a href="http://www.getrichslowly.org/blog/2013/06/04/time-management-strategies-for-working-parents/">Time-management strategies for working parents</a> &mdash; If you are a working parent, choose a career that is flexible and try not to multitask. [Get Rich Slowly]</p> <p><a href="http://parentingsquad.com/being-a-young-mom-why-starting-early-has-its-rewards">Being a Young Mom: Why Starting Early Has Its Rewards</a> &mdash; Having kids at a younger age gives your body a chance to heal more quickly after pregnancy and delivery. [Parenting Squad]</p> <p><a href="http://www.savvysugar.com/How-Prevent-Wedding-Mishaps-30703538">Without a Hitch: 8 Ways to Reduce the Risk of Wedding Mishaps</a> &mdash; To make sure your wedding goes off without a hitch, have a dress rehearsal. [PopSugar Smart Living]</p> <a href="http://www.wisebread.com/best-money-tips-effectively-reduce-your-food-budget" class="sharethis-link" title="Best Money Tips: Effectively Reduce Your Food Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Food and Drink best money tips budget Food Fri, 07 Jun 2013 10:00:34 +0000 Ashley Jacobs 977998 at http://www.wisebread.com Best Money Tips: Budget Travel Tips You Haven't Heard http://www.wisebread.com/best-money-tips-budget-travel-tips-you-havent-heard <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-budget-travel-tips-you-havent-heard" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/travel-kid-5137605-small.jpg" alt="travel" title="travel" class="imagecache imagecache-250w" width="250" height="167" /></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 stellar articles on budget travel tips you haven't heard, how to stop living paycheck to paycheck, and how today's grads can beat the odds.</p> <h2>Top 5 Articles</h2> <p><a href="http://money.usnews.com/money/personal-finance/articles/2013/05/21/5-budget-travel-tips-you-havent-heard-before">5 Budget Travel Tips You Haven't Heard Before</a> &mdash; When trying to travel on a budget, ask about repositioning flights or cruises. [US News &amp; World Report]</p> <p><a href="http://youngandthrifty.ca/living-paycheck-to-paycheck/">Are You Living Paycheck to Paycheck? Here's How to Get Out</a> &mdash; If you want to stop living paycheck to paycheck, put your credit cards away for good. [Young and Thrifty]</p> <p><a href="http://www.consumerismcommentary.com/how-todays-college-graduates-can-beat-the-odds/">How Today's College Graduates Can Beat the Odds</a> &mdash; To beat the odds, today's college graduates can have an emergency fund to help them if they lose their job. [Consumerism Commentary]</p> <p><a href="http://www.20sfinances.com/2013/05/22/disadvantages-of-taking-college-classes-over-the-summer/">Disadvantages of Taking College Classes Over The Summer</a> &mdash; One of the big problems with taking college classes over the summer is you lose out on money you'd make working a summer job. [20's Finances]</p> <p><a href="http://lenpenzo.com/blog/id19345-eight-smart-alternatives-to-payday-loans.html">Eight Smart Alternatives to Payday Loans</a> &mdash; Instead of getting a payday loan, ask your boss for overtime or sell what you don't use. [Len Penzo dot Com]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/How-Interrupt-30569705">10 Smart Tips to Curb Your Bad Interrupting Habit</a> &mdash; Practicing impulse control can help you curb your bad interrupting habit. [PopSugar Smart Living]</p> <p><a href="http://www.marcandangel.com/2013/05/16/5-things-you-should-be-an-expert-at/">5 Things YOU Should Be an Expert At</a> &mdash; Make it a point to be an expert at learning from mistakes. [Marc and Angel Hack Life]</p> <p><a href="http://parentingsquad.com/10-tips-for-visiting-your-local-farmers-market-with-kids">10 Easy Ways to Make the Farmer's Market Fun for Kids</a> &mdash; If you want to make visiting the farmer's market fun for your kids, give them a little money to spend. [Parenting Squad]</p> <p><a href="http://www.dumblittleman.com/2013/05/6-ways-to-improve-relationships-by.html">6 Ways to Improve Relationships by Tackling Self-Consciousness</a> &mdash; Recognizing where your flaws are helpful can help you improve your relationships. [Dumb Little Man]</p> <p><a href="http://timemanagementninja.com/2013/05/7-mistakes-youre-making-by-overthinking-your-productivity/">7 Mistakes You're Making by Overthinking Your Productivity</a> &mdash; Overthinking your productivity can cause you to overplan or create too complex of a system to get things done. [Time Management Ninja]</p> <a href="http://www.wisebread.com/best-money-tips-budget-travel-tips-you-havent-heard" class="sharethis-link" title="Best Money Tips: Budget Travel Tips You Haven&#039;t Heard" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Travel best money tips budget budget travel travel vacation Thu, 23 May 2013 10:00:31 +0000 Ashley Jacobs 974266 at http://www.wisebread.com Best Money Tips: Why Your Budget Isn't Working http://www.wisebread.com/best-money-tips-why-your-budget-isnt-working <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-why-your-budget-isnt-working" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/finances-4191102-small.jpg" alt="budgeting" title="budgeting" class="imagecache imagecache-250w" width="250" height="167" /></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 why your budget isn't working, saving on car insurance, and custodial accounts.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.getrichslowly.org/blog/2013/05/02/your-budget-isnt-working-heres-why/">Your budget isn't working. Here's Why.</a> &mdash; Your budget may not be working if you aren't keeping track of your spending. [Get Rich Slowly]</p> <p><a href="http://yesiamcheap.com/2013/05/saving-money-on-your-car-insurance-2/">Saving Money On Your Car Insurance</a> &mdash; Not modifying your car can help you save money on your car insurance. [Yes I Am Cheap]</p> <p><a href="http://www.goodfinancialcents.com/custodial-account-rules/">Scared Your Child Will Blow Their Savings? Consider a Custodial Account</a> &mdash; Keep your child from blowing through their savings by opening a custodial account. Your child will gain full access to the account between the ages of 18 and 21. [Good Financial Cents]</p> <p><a href="http://www.moneyspruce.com/beyond-money-how-to-find-happiness-in-your-20s-or-any-time/">Beyond Money: How to Find Happiness in Your 20s (or Any Time)</a> &mdash; Being grateful every day and giving all you can will help you find happiness! [Money Spruce]</p> <p><a href="http://www.dumblittleman.com/2013/04/5-unconventional-google-search-tips-for.html">5 Unconventional Google Search Tips for Power Searching</a> &mdash;To search with more power on Google, use comparative keywords. [Dumb Little Man]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/How-Save-Money-Wedding-Videographer-24157917">7 Tips to Cut the Costs of Your Wedding Video</a> &mdash; If you want to save money on your wedding video, consider editing it yourself! [PopSugar Smart Living]</p> <p><a href="http://www.fivecentnickel.com/2013/05/01/home-prices-are-up-good-news-or-bad/">Home prices are up: good news or bad?</a> &mdash; Before you decide what to do with your home, remember that homes are priced in dollars, not percentages. [Five Cent Nickel]</p> <p><a href="http://www.inkjetwilly.com/blog/best-free-printables-by-occasion/">The Best Free Printables by Occasion</a> &mdash; Head over to Disney Baby to get printables for your baby shower or Greeting Island for birthday printables. [InkJet Willy]</p> <p><a href="http://www.freemoneyfinance.com/2013/04/why-you-arent-getting-a-raise.html">Why You Aren't Getting a Raise</a> &mdash; You might not be getting a raise if you aren't promoting your accomplishments. [Free Money Finance]</p> <p><a href="http://parentingsquad.com/17-reasons-to-give-babywearing-a-try">17 Reasons Why All New Parents Should Try Babywearing</a> &mdash; All new parents should try babywearing because it can help them become more attuned to their babies. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-why-your-budget-isnt-working" class="sharethis-link" title="Best Money Tips: Why Your Budget Isn&#039;t Working" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Personal Finance best money tips budget Fri, 03 May 2013 10:00:34 +0000 Ashley Jacobs 973863 at http://www.wisebread.com Best Money Tips: How to Juice on a Budget http://www.wisebread.com/best-money-tips-how-to-juice-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-juice-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/7308205424_88d0cf8337_b.jpg" alt="juice" title="juice" class="imagecache imagecache-250w" width="250" height="141" /></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 how to juice on a budget, choosing productivity tools, and investing in real estate without speculating.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.mint.com/blog/how-to/squeeze-the-most-out-of-your-dollars-how-to-juice-on-a-budget-0413/">Squeeze the Most Out of Your Dollars: How to Juice on a Budget</a> &mdash; If you are into juicing, try making Vitality Juice or an Apple Motini. [MintLife Blog]</p> <p><a href="http://timemanagementninja.com/2013/03/10-simple-rules-for-choosing-your-productivity-tools/">10 Simple Rules for Choosing Your Productivity Tools</a> &mdash; When choosing productivity tools to make your life easier, remember to choose tools that you'll use. [Time Management Ninja]</p> <p><a href="http://freefrombroke.com/how-to-invest-in-real-estate-without-speculating/">How to Invest in Real Estate Without Speculating</a> &mdash; To invest in real estate without speculating, always seek cashflow. [Free From Broke]</p> <p><a href="http://financialhighway.com/decorating-dilemmas-small-bedroom-ideas/">Decorating Dilemmas: Small Bedroom Ideas</a> &mdash; It's important to take advantage of the storage space under your bed if your bedroom is small. [Financial Highway]</p> <p><a href="http://www.consumerismcommentary.com/who-needs-a-budget/">Who Needs a Budget?</a> &mdash; Budgeting is most important when you've never created a budget before or if you are underpaid. [Consumerism Commentary]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.20sfinances.com/2013/04/03/should-you-start-your-own-business-when-you-graduate/">Should You Start Your Own Business When You Graduate?</a> &mdash; One of the best times to start your own business is right after you graduate. [20's Finances]</p> <p><a href="http://www.marcandangel.com/2013/03/31/10-things-you-think-about-too-often/">10 Things You Think About Too Often</a> &mdash; Chances are you think about what you fear too often. [Marc and Angel Hack Life]</p> <p><a href="http://www.savvysugar.com/Student-Loan-Forgiveness-28993943">11 Instances Where Your Student Loans Will Be Forgiven</a> &mdash; Working for the Peace Corps can get your student loans forgiven. [PopSugar Smart Living]</p> <p><a href="http://www.dumblittleman.com/2013/04/5-ways-to-increase-your-intelligence.html">5 Ways to Increase Your Intelligence</a> &mdash; To increase your intelligence, get out there and experience life. [Dumb Little Man]</p> <p><a href="http://parentingsquad.com/zoo-summer-camps">A Walk on the Wild Side: 6 Unique Summer Zoo Camp Programs Around the Country</a> &mdash; The Saint Louis Zoo and San Diego Zoo both offer awesome summer zoo camp programs. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-how-to-juice-on-a-budget" class="sharethis-link" title="Best Money Tips: How to Juice on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Food and Drink best money tips budget juice juicing Thu, 04 Apr 2013 10:00:31 +0000 Ashley Jacobs 971676 at http://www.wisebread.com Best Money Tips: Tighten Your Budget and Still Have Fun http://www.wisebread.com/best-money-tips-tighten-your-budget-and-still-have-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tighten-your-budget-and-still-have-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/442956836_f6d46f95b4_z.jpg" alt="Tighten Your Budget and Still Have Fun" title="Tighten Your Budget and Still Have Fun" class="imagecache imagecache-250w" width="250" height="141" /></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 fantastic articles on how to tighten your budget and still have fun, why hiring managers haven't called back, and borrowing money from family.</p> <h2>Top 5 Articles</h2> <p><a href="http://financialhighway.com/how-to-tighten-your-budget-and-still-have-fun/">How to Tighten Your Budget and Still Have Fun</a> &mdash; Tighten your budget and still have fun by taking advantage of happy hours. [Financial Highway]</p> <p><a href="http://www.savvysugar.com/Reasons-Employer-Hasnt-Called-Back-After-Job-Interview-5186214">8 Reasons Why Hiring Managers Haven't Called Back</a> &mdash; If you interviewed for a job and the hiring manager hasn't called back yet, it may be because they haven't finalized their budget yet. [SavvySugar]</p> <p><a href="http://www.threethriftyguys.com/2013/01/5-tips-for-borrowing-money-from-family/">5 Tips for Borrowing Money From Family</a> &mdash; When borrowing money from family, make sure to get everything in writing. [Three Thrifty Guys]</p> <p><a href="http://www.goodfinancialcents.com/practical-money-skills-to-teach-your-children/">4 Practical Money Skills You MUST Teach Your Children</a> &mdash; Make sure to teach your children how to balance a checkbook. [Good Financial Cents]</p> <p><a href="http://www.cashthechecks.com/saving-ideas/5-ways-to-save-on-your-water-bill.html">5 Ways To Save On Your Water Bill</a> &mdash; To save money on water, only run full loads of laundry and dishes. [Cash The Checks]</p> <h2>Other Essential Reading</h2> <p><a href="http://thirtysixmonths.com/how-to-ask-for-a-discount/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+Thirtysixmonthscom+%28thirtysixmonths.com%2Fblog%29">How to Ask for a Discount</a> &mdash; If you want to ask for a discount, do your research so you can find out what discounts or promotions other service providers are offering. [Thirty Six Months]</p> <p><a href="http://www.getrichslowly.org/blog/2013/01/21/make-more-money-as-a-subject-matter-expert/">Make more money as a subject matter expert</a> &mdash; Are you an expert in a certain subject? Consider writing homeschool curricula to save more money. [Get Rich Slowly]</p> <p><a href="http://www.freemoneyfinance.com/2013/01/build-a-dividend-growth-stock-portfolio-in-4-easy-steps.html">Build a Dividend Growth Stock Portfolio in 4 Easy Steps</a> &mdash; When building a dividend growth stock portfolio, start by screening the right stocks with the right metrics. [Free Money Finance]</p> <p><a href="http://www.fivecentnickel.com/2013/01/24/saving-savings-with-home-emergency-gap-coverage/">Saving Savings with Home Emergency Gap Coverage</a> &mdash; Emergency gap coverage protects homeowners from repairs not covered by their basic homeowner's insurance policy. [Five Cent Nickel]</p> <p><a href="http://parentingsquad.com/5-winter-activities-to-keep-the-household-sane-happy-and-productive">5 Winter Activities to Keep the Household Sane, Happy, and Productive</a> &mdash; Keep your household happy during the winter by planning the spring garden you will plant when the weather gets better. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-tighten-your-budget-and-still-have-fun" class="sharethis-link" title="Best Money Tips: Tighten Your Budget and Still Have Fun" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Lifestyle best money tips budget fun Fri, 25 Jan 2013 11:00:31 +0000 Ashley Jacobs 967478 at http://www.wisebread.com Best Money Tips: Home Decorating Ideas on a Budget http://www.wisebread.com/best-money-tips-home-decorating-ideas-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-home-decorating-ideas-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/5913216176_bdacd69361_z-1.jpg" alt="Home Decorating Ideas on a Budget" title="Home Decorating Ideas on a Budget" 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 fantastic articles on home decorating ideas on a budget, personal finance advice for college students, and summertime tax moves.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneycrashers.com/diy-home-decorating-ideas-budget/">8 DIY Home Decorating Ideas on a Budget</a> &mdash; To save money when redecorating your home, change the couch covers instead of the whole couch. [Money Crashers]</p> <p><a href="http://kiplinger.com/columns/drt/archive/personal-finance-advice-for-college-students.html?si=1">Personal Finance Advice for College Students</a> &mdash; College students should take a pass on credit cards. [Kiplinger]</p> <p><a href="http://www.bargaineering.com/articles/5-summertime-tax-moves.html">5 Summertime Tax Moves</a> &mdash; This summer, take the time to evaluate your investments. [Bargaineering]</p> <p><a href="http://www.freemoneyfinance.com/2012/08/best-ways-to-make-extra-money-teach.html">Best Ways to Make Extra Money: Teach</a> &mdash; Want to make extra money? Consider becoming a tutor. [Free Money Finance]</p> <p><a href="http://www.savvysugar.com/Negotiating-Salary-New-Job-18785160">5 Quick Tips For Negotiating A Salary For A New Job</a> &mdash; When negotiating a salary for a new job, don't be the person who brings up salary first. [SavvySugar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.stretcher.com/stories/12/12aug20g.cfm#.UDfC40ryO1M">Finding Cheap Airfares</a> &mdash; Being flexible is key to finding cheap airfares. [The Dollar Stretcher]</p> <p><a href="http://www.moneytalksnews.com/2012/08/24/5-little-known-ways-car-dealers-rip-you-off/">6 Little-Known Ways Car Dealers Rip You Off</a> &mdash; Did you know car dealers may be ripping you off by inflating your interest rate? [Money Talks News]</p> <p><a href="http://www.creditsesame.com/blog/quick-and-easy-ways-to-get-more-out-of-your-employer-right-now/">Quick and Easy Ways to Get More Out of Your Employer, Right Now</a> &mdash; Get more out of your employer by taking advantage of your employer benefits package. [Credit Sesame]</p> <p><a href="http://money.msn.com/frugal-living/post.aspx?post=787d0a53-601c-4c1a-a820-d21c81e3de8b&amp;ref=bfv">Why you should personalize your budget</a> &mdash; The main reason to personalize your budget: one size doesn't fit all when it comes to budgeting. [MSN Money]</p> <p><a href="http://parentingsquad.com/the-perfect-dorm-gifts">The Perfect Dorm Gifts For a New College Student</a> &mdash; Do you know someone who is headed to college? Get them a laundry basket filled with cleaning supplies. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-home-decorating-ideas-on-a-budget" class="sharethis-link" title="Best Money Tips: Home Decorating Ideas on a Budget" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Home best money tips budget decorating home Mon, 27 Aug 2012 10:00:41 +0000 Ashley Jacobs 952372 at http://www.wisebread.com