Organization http://www.wisebread.com/taxonomy/term/1605/all en-US 5 Online Tools to Manage Your Money in Under 10 Minutes a Week http://www.wisebread.com/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_computer_000075714973.jpg" alt="Woman managing her money in under 10 minutes a week" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Innovative personal finance tools are revolutionizing the way we manage and keep track of our money. Not only can they help teach us how to make smarter decisions, but they put us in charge of our money, making the arduous tasks of budgeting, saving, debt management, and investing a thing of the past. Best of all, most of us can manage our money in under 10 minutes a week using these tools.</p> <h2>1. Mint</h2> <p><img width="605" height="270" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Screen%20Shot%202016-01-26%20at%209.32.27%20PM.png" /></p> <p><a href="https://www.mint.com/">Mint</a> was one of the first online financial management tools, laying the foundation for some of the other players we see today. The free tool offers a terrific snapshot of your overall finances. From a single dashboard, account holders can link their bank, loan, and brokerage accounts and monitor balances and track purchases in real time. With its financial planning tools, you can establish a monthly budget and monitor your spending patterns. It will alert you as you near your budget threshold, to make you cognizant of overspending.</p> <p>Mint lets you benchmark financial goals, gives an overview of open accounts and lines of credit, and now there's <a href="https://credit.mint.com/">Mint Credit Monitoring</a> to help you manage your credit score. It constantly tallies your outstanding debts versus assets to display your real net worth, which is something most people tend to forget about. (See also: <a href="http://www.wisebread.com/8-cool-mint-tools-for-manaing-your-money?ref=seealso">8 Cool Mint Tools for Managing Your Money</a>)</p> <h2>2. Investments and Retirement Planning Tools</h2> <p>By now, you've probably heard of robo-advisor sites such as <a href="https://www.futureadvisor.com/">FutureAdvisor</a>, <a href="http://wealthfront.evyy.net/c/27771/172939/3104?ref=qchavaia-1646115">WealthFront</a>, and <a href="https://www.learnvest.com/">LearnVest</a>. They're computerized wealth management systems that cater to everyday investors for a fraction of the cost of human advisors. The companies generally target Millennials, a market segment still on the pathway to wealth with fewer assets than required at large private wealth management companies. But investors of any age or net worth can benefit from their free or low-cost portfolio management options, and the hands-off approach means you can keep track of your investments in just minutes.</p> <h2>3. Personal Capital</h2> <p><img width="605" height="282" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Screen%20Shot%202016-01-26%20at%209.31.27%20PM.png" /></p> <p>Founded in 2009, by former Intuit CEO Bill Harris, <a target="_blank" rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=26123426&amp;fot=1301&amp;foc=1">Personal Capital</a> lays claim to being the first digital wealth management platform. Like most robo-investing platforms, Personal Capital takes assessment of your financial situation and goals starting with a free consultation scheduled with a licensed advisor who recommends a customized investment plan. Those investors with at least $25,000 under management receive ongoing access to a team of financial advisors.</p> <h2>4. Betterment</h2> <p><img width="605" height="285" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Screen%20Shot%202016-01-26%20at%209.31.15%20PM.png" /></p> <p>In 2010, <a target="_blank" rel="nofollow" href="http://track.flexlinks.com/a.ashx?foid=1029882.1538720&amp;fot=1073&amp;foc=1">Betterment</a> entered the game as another major robo-advisor option. Betterment's financial framework offers similar tools to help you reach your financial goals, plan for retirement, invest, and track your savings and investing goals. Once your account is funded ($100 minimum deposit and a fraction of a percent fee based on your balance), investment moves are made on your behalf. The platform keeps track of your progress and makes recommendations along the way. Their current investment management fees range from .35% for a portfolio of $0&ndash;$10,000, .25% for $10,000&ndash;$100,000, and .15% for portfolios of $100,000 or more.&nbsp;</p> <h2>5. QuickBooks Online</h2> <p><img width="605" height="368" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Screen%20Shot%202016-01-26%20at%209.31.01%20PM.png" /></p> <p>QuickBooks has taken its accounting software solutions online. With all of the same features and more as the computer installed version, <a href="http://www.anrdoezrs.net/click-2822544-10700722-1443052367000?sid=qchavaia-1646115" target="_top">QuickBooks Online</a> is an affordable solution for business owners and the self-employed. With QuickBooks Online you can manage your money on the go and access your account from multiple devices.</p> <p>Some of the features include the ability to grant access to multiple users, including creating an account for your accountant or CPA. It automatically tracks expenses, generates on-click reports, writes checks that you can print from anywhere, creates invoices, and most of all, it automatically downloads and aggregates data from bank and credit card accounts. It then categorizes that information and reconciles, which you should do once a month and have to do at tax time. For me, this has always been an excruciating week-long process &mdash; but that's a thing of the past now, thanks to QuickBooks Online.</p> <p><em>What online tools do you use to make money management easier?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week">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/book-review-cash-rich-retirement">Book review: Cash-Rich Retirement</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/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-economic-crisis-challenges-our-financial-beliefs">How The Economic Crisis Challenges Our Financial Beliefs</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-financial-moves-you-can-make-during-your-commute">10 Financial Moves You Can Make During Your Commute</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-increase-your-net-worth-this-year">10 Ways to Increase Your Net Worth This Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Organization investing money management retirement planning robo-advisors websites Fri, 29 Jan 2016 14:00:08 +0000 Qiana Chavaia 1646115 at http://www.wisebread.com Flashback Friday: Wise Bread's 88 Best Food Hacks Ever http://www.wisebread.com/flashback-friday-wise-breads-88-best-food-hacks-ever <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-wise-breads-88-best-food-hacks-ever" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/food_hacks_000044992940.jpg" alt="Revisiting Wise Bread&#039;s 88 best food hacks ever" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Food is something all humans need to survive. And since we've evolved into a stressed out, overworked race of eaters, we need our food prep to be as easy and painless as possible. That's why we're all so obsessed with food hacks. <em>Wait, I've been eating apples all wrong my entire life? Cupcakes can be made even better by turning them into cupcake sandwiches?</em> Mind = blown. This is what we live for, folks.</p> <p>So to honor the Internet's ongoing fascination with food hacks, let's go back in time to revisit some of Wise Bread's very best. Here they are.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cooking-126457388.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-surprising-cooking-hacks-that-save-time">7 Surprising Cooking Hacks That Save Time</a> &mdash; Instead of spending hours in the kitchen preparing a hearty meal &mdash; because nobody likes a hangry cook &mdash; use these brilliant cooking hacks to cut down on prep time.</p> <p><a href="http://www.wisebread.com/9-pantry-tricks-that-save-you-big">9 Pantry Tricks That Save You Big</a> &mdash; Being able to stock up on food staples like a frugal boss requires the use of crafty storage tricks. Here's how to turn your pantry into an easily accessible food paradise.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bowl_of_lemons_000019714803.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-ways-to-use-your-food-that-dont-involve-eating">4 Ways to Use Your Food That Don't Involve Eating</a> &mdash; You don't need to consume food in order to fully enjoy it. Here are four genius food hacks to beautify your bod and keep your home squeaky clean using the items found in your fridge.</p> <p><a href="http://www.wisebread.com/5-awesome-cooking-tricks-for-single-people">5 Awesome Cooking Tricks for Single People</a> &mdash; Significant others are not required in order to eat like a king (or queen). These cooking tricks will help you make the right sized meals that you will thoroughly enjoy.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/000038978966_1.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/14-fridge-tricks-that-will-save-you-big">14 Fridge Tricks That Will Save You Big</a> &mdash; With just a little rearranging, your fridge will transform from a battle ground of expired food into a brightly colored haven of all things still edible. What are you waiting for?</p> <p><a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">20 Easy Ways to Stretch Your Grocery Dollars</a> &mdash; So simple, yet so brilliant. If you can master these grocery shopping hacks, your life is sure to improve.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/happy-grocery-shopping-159289223-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/21-foods-that-cost-under-a-buck-a-pound-with-recipes">21 Foods That Cost Under a Buck a Pound &mdash; With Recipes!</a> &mdash; Your Depression era grandparents will applaud your impressive frugalness when you whip up any of these budget-friendly recipes.</p> <p><a href="http://www.wisebread.com/8-creative-ways-to-save-money-on-food">8 Creative Ways to Save Money on Food</a> &mdash; Throwing money away on overpriced snacks is sooo 2015, you guys. Use these creative money saving hacks to fill your fridge with all the foods you know you'll eat.</p> <p><em>What are some of your favorite food hacks? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-wise-breads-88-best-food-hacks-ever">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/flashback-friday-119-amazing-meals-you-can-make-from-a-can">Flashback Friday: 119 Amazing Meals You Can Make From a Can</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-pantry-tricks-that-save-you-big">9 Pantry Tricks That Save You Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-celebrate-national-slow-cooking-month-with-these-95-crock-pot-dishes">Flashback Friday: Celebrate National Slow Cooking Month With These 95 Crock Pot Dishes</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/emergency-food-supplies-for-the-lazy-skinflint">Emergency food supplies for the lazy skinflint</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/ugggh-hic-i-justss-gotta-eat-somehicthing-my-top-10-homemade-drunk-snacks">Ugggh, (hic) I justss gotta eat some(hic)thing; my top 10 homemade drunk snacks.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Food and Drink Organization fbf flashback friday Food food hacks food shopping food storage Fri, 15 Jan 2016 18:53:38 +0000 Chrissa Hardy 1638733 at http://www.wisebread.com The 7 Things Every Frugal Person Should Have In Their Wallet http://www.wisebread.com/the-7-things-every-frugal-person-should-have-in-their-wallet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-things-every-frugal-person-should-have-in-their-wallet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_purse_000078780735.jpg" alt="Woman learning things every frugal person should have in their wallet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I use my wallet not only for spending money, but for <em>saving </em>money as well. Having the right resources in your wallet makes it much more likely that you'll take advantage of money-saving opportunities that come along every day.</p> <p>What should you have in your wallet to help you be a savvy saver?</p> <h2>1. Cash</h2> <p>Carrying cash has several advantages. If you keep a supply of cash on hand, you'll never pay ATM fees. Also, cash is psychologically more painful to spend than using credit cards, so you're likely to be more frugal when having to part with paper.</p> <p>I get even more benefit from carrying cash by using a <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-envelope-system">money envelope system</a> to control spending. In my household, we pay for all food expenses using cash from our envelope, so if I have cash in my wallet, I know I can buy food and still be within budget.</p> <h2>2. Coupons</h2> <p>You can save a lot of money with coupons, but you need to have them with you when you are buying something. I put the best coupons for my favorite stores in my wallet. That way, I am always prepared to take advantage of savings.</p> <h2>3. Store Loyalty Cards</h2> <p>Some grocery stores offer cash discounts and points toward free items if you swipe your loyalty card at checkout. On a recent shopping trip, I was able to get a couple bags of food items for free by cashing in my points. The people in line behind me were amazed!</p> <h2>4. Credit Cards With Rewards and Discounts</h2> <p>If you pay off your credit card balance every month, you might as well take advantage of the rewards. I get <a href="http://www.wisebread.com/the-best-store-credit-card-target-redcard">5% off every purchase</a> at some of my favorite stores. I use the rewards points I get from other purchases to score free items on Amazon. The credit card companies are betting that you will carry a balance and end up generating profit for them. Pay off your balance every month, and you'll get the rewards for free. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=seealso">Best Cash Back Rewards Credit Cards</a>)</p> <p>Another reason to carry at least one credit card is to handle emergency situations. If your vehicle breaks down, you may need to pay for towing and repairs at the shop. If you have a medical emergency, you may need to pay at the time of treatment.</p> <h2>5. Health Savings Account Card</h2> <p>I signed up for a program that allows me to contribute on a pre-tax basis to a health savings account (HSA). With the health savings credit card I carry in my wallet, I can use pre-tax dollars to pay for prescription medicine and cover the co-pay for medical services. I save about 35% every time I use my HSA card since I am using money that was not subject to taxes.</p> <p>Your employer may offer an HSA program, but if not, you can start your own account at your bank or credit union and take advantage of big savings on healthcare expenses.</p> <h2>6. Consignment Store Account Numbers</h2> <p>I carry my consignment store account numbers in my wallet to make it as easy as possible to drop things off. You'll also need your account number to pick up your money after your items sell.</p> <h2>7. Insurance Cards</h2> <p>I carry cards in my wallet for medical insurance, prescription medicine insurance, and auto insurance. Make it as easy as possible to quickly access your coverage information.</p> <p><em>What do you carry in your wallet to help you save money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr. Penny Pincher</a> of <a href="http://www.wisebread.com/the-7-things-every-frugal-person-should-have-in-their-wallet">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/4-ways-the-50-rule-can-save-you-money">4 Ways the 50% Rule Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-goals-all-30-somethings-should-have">10 Money Goals All 30-Somethings Should Have</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</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/a-one-touch-approach-to-managing-household-finances">A One Touch Approach To Managing Household Finances</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/a-comprehensive-guide-to-the-envelope-system">A Comprehensive Guide to the Envelope System</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Organization carrying a wallet cash coupons Envelope system HSA insurance Mon, 11 Jan 2016 10:00:03 +0000 Dr. Penny Pincher 1634857 at http://www.wisebread.com How to Organize Your Paperwork in Just 10 Minutes a Week http://www.wisebread.com/how-to-organize-your-paperwork-in-just-10-minutes-a-week <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-organize-your-paperwork-in-just-10-minutes-a-week" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_writing_paperwork_000077386871.jpg" alt="Woman organizing her financial paperwork in 10 minutes a week" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I am an organization nerd. Not only does the thought of going to an office supply store make me giddy, but I have been known to spend a torrid Saturday night wantonly using my label maker on everything in the house.</p> <p>Despite these tidy living bona fides, for years my organizational downfall was financial paperwork.</p> <p>If you find yourself in a similar state of paperwork chaos, not to worry. You can tame the beast without having to sacrifice an entire week to the project. In fact, organizing your paperwork is a job you can handle in 10 minutes a week. Here&rsquo;s how:</p> <h2>1. Know What You Need</h2> <p>The first <a href="http://www.wisebread.com/4-ways-stress-is-killing-your-finances">problem with financial paperwork</a> is the fact that it can be difficult to remember how much of it you need to keep. The specter of an IRS audit is enough to turn anyone into a paperwork hoarder, but keeping everything isn&rsquo;t helpful if you don&rsquo;t know how to find what you need.</p> <p>Before you get started, you need to know what to keep and what to toss.</p> <h3>The One-Year Rule</h3> <p>Most of your day-to-day financial paperwork, such as paycheck stubs, paid bills, bank records, and quarterly investment statements only need to hang around for a year at most. Once you&rsquo;ve received your W2 and annual statement, you can shred paycheck stubs and quarterly investment statements after making sure everything is accurate. Unless your bills and bank records are needed for tax purposes, they can also be shredded after one year.</p> <h3>The Three-Year Rule</h3> <p>You have probably heard that you need to keep all tax-related paperwork for seven years, but that is actually a longer period of time than what the <a href="https://www.irs.gov/Businesses/Small-Businesses-&amp;-Self-Employed/How-long-should-I-keep-records">IRS expects</a> of the average taxpayer. While you are stuck holding onto your annual tax returns indefinitely, the IRS doesn&rsquo;t expect you keep supporting documentation (like mutual fund reports or charitable gift receipts) for more than three years. What&rsquo;s special about the three-year mark? That&rsquo;s the number of years Uncle Sam has to initiate an audit for regular tax returns.</p> <p>Once you&rsquo;ve passed three years, you can shred the records, with a couple of exceptions: First, keep documentation showing the initial purchase price of any stocks or mutual funds you own, because you will need to determine your gains or losses when it comes time to sell. And second, hold onto house records for as long as you live there (or own the place).</p> <h3>The Seven-Year Rule</h3> <p>The IRS can initiate an audit within seven years for any taxpayers who filed a claim for a loss from worthless securities or a bad debt deduction. Taxpayers who don&rsquo;t include up to 25% of their reportable gross income (think servers or other employees who rely on cash tips) should hold onto their records for six years in case of an audit.</p> <h2>2. Start Sorting With Three Folders</h2> <p>Once you understand what can be kept and what can be chucked, it&rsquo;s time to start organizing. The key to 10-minute organizing is the <a href="http://thepeacefulmom.com/2015/03/10/organize-paperwork-fast-a-giveaway/">Quick Sort Method</a>, created by Kimberlee Stokes of The Peaceful Mom. You will need three empty manila folders, labeled NOW, 10 MINUTES A WEEK, and FILE. In addition, you want to warm up your shredder for all the items that don&rsquo;t go in any of these folders.</p> <p>Once you have the system in place, you can leave your three folders in a standing rack right by the trashcan or shredder and sort items the moment they come in the mail.</p> <h3>The NOW Folder</h3> <p>This is where you will put any items that need immediate attention, such as bills to pay, insurance paperwork, license renewals, and the like. When you finish sorting all of your paperwork during this first sort-and-purge stint, you will go through the NOW folder and take care of everything. This will likely take you longer than 10 minutes the first time, but it will set you up to make organizing your paperwork and paying your bills much simpler down the road.</p> <p>As you complete each item in the NOW folder, you can move that paper either to the FILE folder for future filing, or to the shredder. Once you have your system in place, you can put items directly in the NOW folder as you receive them, and take a minute or two each day to empty the folder.</p> <h3>The 10 MINUTES A WEEK Folder</h3> <p>This folder will house all of the items that require some sort of action on your part but don&rsquo;t need immediate attention. For instance, you might put subscription renewals, paperwork that requires input from other family members, items that have no specific deadline, and the like.</p> <p>Once you have taken care of the NOW items, the items in this folder will be the work that you do each week to stay on top of your paperwork and maintain your organized files.</p> <h3>The FILE Folder</h3> <p>Items that you need to file for the future will go into this folder. When you start using this system, the FILE folder will get pretty full, but eventually, you&rsquo;ll find that there is nothing left in the first two folders You will spend your 10 minutes each week filing from this folder.</p> <p>As for the filing, generally you will only need two systems: one for tax documents and one for general financial documents. These two systems do not need to be complex to be useful. Here is how to organize them both:</p> <h2>3. Organizing Tax Documents With Three Folders</h2> <p>Most taxpayers can easily organize their tax documents with three folders. You&rsquo;ll need one each for income, expenses and deductions, and investments.</p> <h3>Folder for Income</h3> <p>If you work a single traditional job and receive electronic paystubs, you may not even need an income folder. But this is essential for those with irregular income, freelancers, contractors, people holding multiple jobs, and anyone who receives income from investments. Having this folder in place will help you keep track of every single penny you earn.</p> <p>Not only should you deposit all paycheck stubs into this folder, but Dayana Yochim of The Motley Fool also recommends <a href="http://www.fool.com/personal-finance/taxes/get-organized-for-the-irs.aspx">recording your earned income</a> on a cover sheet in the folder, as well. This will give you method for checking the accuracy of official documents as they arrive.</p> <h3>Folder for Expenses and Deductions</h3> <p>If you&rsquo;re like most people, you probably throw your receipts, statements, and paid bills into a shoebox to sort through come tax time. It&rsquo;s much easier on your sanity to create an Expenses and Deductions folder with separate sections so you can be more organized throughout the year.</p> <p>For instance, this folder might include sections for business, charitable donations, childcare, and medical expenses. Separating out all of your receipts for expenses and deductions will save you from those horrible moments when you cannot recall why you held onto a particular receipt.</p> <p>It&rsquo;s also a good idea to file a list of common tax deductions in this folder so you can easily remember what you may claim what documents you need to save.</p> <h3>Folder for Investments</h3> <p>Your Investments folder is where you will store the following paperwork:</p> <ul> <li>Records proving your tax-deductible contributions to retirement accounts.<br /> &nbsp;</li> <li>Notices of dividends, and capital gains and losses.<br /> &nbsp;</li> <li>Distribution records you receive when you take money from investment accounts.<br /> &nbsp;</li> <li>Annual statements.</li> </ul> <p>Generally, the IRS will not need all of this paperwork for next year&rsquo;s taxes, but you need this information on hand for future tax returns. For instance, if you sell an investment, you will need to be able to provide paperwork about that investment, and having it filed by year for future reference will make your life much easier.</p> <h3>Organize Tax Information by Year</h3> <p>Once you have filed your taxes each year, it&rsquo;s a good idea to then create a file folder labeled with the year, where you place everything from your three tax folders. Each year, you can also go through your four-year-old (or eight-year-old) tax file folder and purge the documents that you no longer need. Remember, you should keep the actual return for each year &mdash; it&rsquo;s only the supporting documents that can be shredded after the end of either three or seven years.</p> <h2>4. Organize General Financial Documents Alphabetically</h2> <p>For all of your general financial documents, the easiest filing system is the one recommended by David Allen in <a href="http://amzn.to/1QFBfpg">Getting Things Done</a> &mdash; file your paperwork alphabetically in hanging folders. It is much easier to find the specific paperwork you need if you know to look for a cable bill under C for Comcast, rather than trying to root through a huge folder labeled Utilities.</p> <h2>5. Maintaining Your Paperwork Organization</h2> <p>Organization is a process, not an event. Creating these folders will not actually help you end the paperwork pile-up if you can&rsquo;t maintain it. Here are two ways to make sure you keep up with your 10 minutes per week:</p> <h3>1. Put Documents Where You Naturally Store Them</h3> <p>We all have a tendency to let our paperwork pile up in a particular spot in our home, such as the kitchen counter or the coffee table. One of the problems with attempting to get organized is that we often try to rehome our paperwork in a &ldquo;better&rdquo; place than where things naturally gather, and so we spend an afternoon creating a paperwork station in the spare bedroom.</p> <p>But you&rsquo;re not going to schlep the mail upstairs every day after work, so don&rsquo;t expect a filing system to be sustainable up there. Create a system in the place where you naturally gravitate, because it is easier to maintain a habit that is based on the way you already use your space.</p> <h3>2. Schedule 10 Minutes of Organization Per Week</h3> <p>Organizing financial paperwork is an important but not urgent task, so you can easily fall into the &ldquo;I&rsquo;ll just do it later&rdquo; trap. The trick to keeping up with your organization is to schedule it the same way you would a meeting or conference call.</p> <p>Unless you schedule a specific time and protect it from other commitments, you&rsquo;re likely to lose momentum. Figure out when your 10 minutes will be spent, write it on your calendar, and keep the appointment with yourself. You&rsquo;ll be glad you did.</p> <p><em>How do you keep your important documents organized?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/how-to-organize-your-paperwork-in-just-10-minutes-a-week">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/6-simple-ways-to-save-money-by-tracking-your-receipts">6 Simple Ways to Save Money by Tracking Your Receipts</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/organizing-your-financial-paperwork">Organizing Your Financial Paperwork</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/to-shred-or-not-to-shred-how-long-to-keep-your-tax-records">To Shred or Not to Shred: How Long to Keep Your Tax Records</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/25-things-to-throw-out-today">25 Things to Throw Out Today</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/101-little-things-you-can-fix-right-now">101 Little Things You Can Fix Right Now!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization audit bills cleaning documents filing paperwork taxes Wed, 30 Dec 2015 14:00:03 +0000 Emily Guy Birken 1626821 at http://www.wisebread.com 9 Pantry Tricks That Save You Big http://www.wisebread.com/9-pantry-tricks-that-save-you-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-pantry-tricks-that-save-you-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_groceries_000043134348.jpg" alt="Woman learning pantry tricks that will save her big" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all want to save wherever we can, and the pantry is a place where small steps can make a considerable difference. Learn how to cut back and cash in with these nine pantry tricks that will save you big.</p> <h2>1. Start Stacking</h2> <p>Raised or stacked storage (like bleachers in a gymnasium) will let you see more of your canned and jarred items simultaneously, so you instantly know what you have at your disposal. Often, these storage devices are expandable &mdash; like this&nbsp;<a href="http://www.amazon.com/gp/product/B001E2864K/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001E2864K&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AI57KKQFTODP23T4">three-tier spice organizer</a> &mdash; to accommodate spaces of varying widths.</p> <h2>2. Buy in Bulk and Portion at Home</h2> <p>If you have a lot of mouths to feed, or you consume large quantities of a particular food item, you'll save money by buying in bulk. When you get home, you can divvy up the portions into your own containers without paying the extra &quot;convenience&quot; costs that are passed on to you for pre-packaged items. This practice also helps you reduce runs to the store to refill, which, in turn, saves you time and gas money.</p> <h2>3. Store Food in Clear Containers</h2> <p>By putting goods like cereal and pasta in airtight, see-through containers, you're helping yourself out two-fold. One, you'll be able to see right away what you need more of, and what you don't (therefore reducing your grocery bill). Two, the food will stay fresher longer than if left to sit in rolled-up bags in the original boxes.</p> <h2>4. Use the FIFO Method</h2> <p>Don't know what the FIFO method of storing is? Simple &mdash; first in, first out. In other words, you should be removing/consuming pantry items in the order you put them in, instead of eating newer items first. That way, you don't waste food by letting items expire.</p> <h2>5. Emphasize Healthy Staples</h2> <p>Instead of <a href="http://www.wisebread.com/the-10-hardest-working-foods-in-your-pantry">filling your pantry</a> with a hodge-podge of things you'll &quot;probably&quot; eat, focus on things you know you'll eat &mdash; like healthy, all-meal ingredients that are part of your everyday diet.</p> <p>&quot;Keep healthy staples, such as oatmeal, brown rice/whole grains, and dry beans &mdash; stored in airtight BPA- free containers to ensure they last longer &mdash; as well as canned tomato sauce, diced tomatoes, and low sodium bouillon or broth as recipe starters,&quot; advises registered dietitian Kristie LeBeau. &quot;You can cook large batches of beans, soups, grains, and oatmeal for a quick, low-cost, healthy meal.&quot;</p> <h2>6. Stock Up on Seasonally Packaged Items After the Holiday</h2> <p>If you're a snacker, you'll save a bundle if you scour the aisles after a big snacking holiday like Halloween, Christmas, or Easter. Most popular snack brands release goods in holiday packaging, which is drastically reduced &mdash; sometimes to the tune of 75% &mdash; just days after the holiday. These items have just as long a shelf life as the regular packaged items but at a fraction of the cost. Don't go overboard, of course, but a few bags of discounted chips, cookies, and crackers is never a bad idea.</p> <h2>7. Keep an Eye on What You're Eating &mdash; And What You're Not</h2> <p>One of my worst habits when I was younger was going to the supermarket blind. By that I mean I would shop for pantry items that I wasn't sure I had or not, because I didn't check before I left the house. I was buying these items over and over, when, in reality, I still had plenty at home. You may be doing the same thing. I suggest taking inventory of what you have before making your shopping trips to cut back on duplicate items.</p> <p>This is also a good time to take a look at what you're eating more and less of. Take that feedback and adjust your shopping habits accordingly. Stop buying what you're not eating.</p> <h2>8. Shop for Non-Perishables Less Frequently</h2> <p>I changed my diet to include primarily fresh, healthy foods so much, that I've whittled down my pantry from a large closet in the hall to just three cabinets in the kitchen. You've heard time and again that all that processed junk isn't good for you &mdash; and it isn't &mdash; so maybe now's a good time to clean the pantry. Keep the essentials, donate the excess, and start eating a little cleaner.</p> <h2>9. Plan Meals at the Beginning of the Week</h2> <p>If your pantry seems to be fattening instead of slimming, you need to use more of what you already have. An easy way to do that is to plan your meals. On Sunday, decide what you'll make for breakfast, lunch, and dinner for the week, and try to integrate some of your pantry items into that menu. Not only will you save time by having a plan of attack when you're hungry (which helps ward off last-minute take-out meals), but you'll reduce your stockpile of overflowing pantry items without spending any extra money.</p> <p><em>Do you have more pantry tricks that have saved you big? I'd love to hear your tips. Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-pantry-tricks-that-save-you-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-wise-breads-88-best-food-hacks-ever">Flashback Friday: Wise Bread&#039;s 88 Best Food Hacks Ever</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-make-the-most-of-a-tiny-kitchen">7 Ways to Make the Most of a Tiny Kitchen</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/save-money-and-eat-better-with-a-7-step-food-budget">Save Money and Eat Better With a 7-Step Food Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-hardest-working-foods-in-your-pantry">The 10 Most Versatile Foods in Your Pantry</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/18-pantry-foods-that-keep-longer-than-you-think">18 Pantry Foods That Keep Longer Than You Think</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Home Organization cupboards food storage groceries meal planning pantry Wed, 09 Dec 2015 16:00:25 +0000 Mikey Rox 1618563 at http://www.wisebread.com 12 Clever Coat Closet Hacks http://www.wisebread.com/12-clever-coat-closet-hacks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-clever-coat-closet-hacks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_organized_shoes_000027626678.jpg" alt="Woman learning 12 clever coat closet hacks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is your coat closet a complete mess? Mine was. Then I decided to do something about it. Here are a bunch of ideas that will help you whip your entry closet into shape.</p> <h2>1. Hooks Up</h2> <p>Do what we did! Take down the hanging bar and <a href="http://www.housewivesofriverton.com/2013/02/coat-closet-makeover-tutorial.html">install hooks</a> in your coat closet instead. Hooks are great for storing jackets, bags, hats, scarves, and pretty much anything you need. Better yet, you won't have a ton of hangers <a href="http://www.wisebread.com/15-things-in-your-closet-you-can-throw-out-today">cluttering up the space</a>. Put in two rows of hooks (upper and lower) so even your little kids can get in on the action.</p> <h2>2. Hanger Genius</h2> <p>Use an empty hanger to <a href="http://ftdofsmcp.blogspot.com/2011/12/pinterest-project-scarf-organization.html">organize your scarves</a> and other accessories. Simply slip some shower rings onto the hanger and thread your scarves through the loop. You can make one for each member of your family.</p> <h2>3. Storage Smarts</h2> <p>Enlist your door for even more storage. Grab a few metal <a href="http://www.amazon.com/gp/product/B00T3L58IQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00T3L58IQ&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=NLMLIXBBEQEMGOKH">mesh storage boxes</a> (or filing trays) and screw them into the <a href="http://www.thebaloneybug.com/2013/01/31/winter-gear-storage/">inside of your closet door</a>. Toss all your mittens, gloves, hats, and scarves into the boxes and rejoice.</p> <h2>4. Over-Door Delight</h2> <p>Or don't bother with the tools and get one of those <a href="http://www.amazon.com/Whitmor-6044-13-CTF-Crystal-Collection-Organizer/dp/B000HM5V0A/ref=sr_1_2?ie=UTF8&amp;qid=1445455342&amp;sr=8-2&amp;keywords=over+door+shoe+rack">over-the-door shoe organizers</a> instead. You can slip anything into the pockets, not just shoes. You might even want to label them to keep some additional order.</p> <h2>5. Dead Space</h2> <p>You may not be using your closet to its fullest potential. Slip some <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=tension%20rods&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=FUAIGZVIJYLTI7TZ">tension rods</a> into the dead <a href="http://www.320sycamoreblog.com/2012/03/mini-closet-makeover.html">space behind your door.</a> You might be able to get two new rows of coats into the closet that way.</p> <h2>6. Double Rods</h2> <p>Better yet, <a href="http://yourhomeonlybetter.com/improving-small-closet-functionality/">add another rod</a> to your entire closet to maximize your storage. You'll probably first need to remove the original rod and hang it slightly higher. The second should fall around waist height, or high enough to keep your coats off the ground.</p> <h2>7. Total Transformation</h2> <p>Or try converting your coat closet to a <a href="http://www.thehouseofsmiths.com/2012/02/project-entryway-closet-makeover-reveal.html">mini mudroom</a>. This specific tutorial involves some carpentry. You'll enlarge the space, frame it with pretty moulding, and build a cool bench and shelving for boxes. Pillows help decorate the area, but they aren't necessary.</p> <h2>8. Tiny Tweak</h2> <p>If you can't knock down a wall, try <a href="http://www.ourfifthhouse.com/2013/06/turning-hallway-into-mudroom.html">removing the closet door</a> and using the space you already have. You can find freestanding benches and pre-made shelving units at your local big box store. Arrange them however they best fit your needs. Don't forget to comb antique shops for seating &mdash; you can find unique pieces that way.</p> <h2>9. Helpful Hideaway</h2> <p>If you do include a storage bench in your new closet, use it to hide your shoes. Our bench fits three of those standard <a href="http://www.amazon.com/gp/product/B000RO5PYK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000RO5PYK&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=FR7NSHV4ANLPPBIQ">cube boxes</a>. We have one for each family member. Fill it with your shoes and rotate with the seasons.</p> <h2>10. Hefty Holder</h2> <p>Who says organization can't be pretty? Construct this simple <a href="http://www.sallyannk.com/2014/05/diy-clothes-pin-scarf-holder.html">scarf holder</a> using a piece of wood, clothespins, and wood glue. Just adhere the pins to the base, hang, and you're done.</p> <h2>11. Door Buster</h2> <p>Replace rickety bi-fold doors with something more stylish. This tutorial shows you how to <a href="http://www.beneathmyheart.net/2013/09/closet-door-makeover-reveal-dremel-weekends/">make French doors</a> using two hollow core doors. Remove the bi-folds and their tracks. Then decorate your new doors however you want. Stick them on hinges and enjoy the functionality. Check stores like Habitat's ReStores for great deals on replacement doors.</p> <h2>12. Makeshift Move</h2> <p>Don't have a coat closet? I feel you, and I've been there. I love this <a href="http://lookiewhatidid.blogspot.ca/2012/09/laundry-room-makeover-week-using.html">bookcase mud closet</a> project because it takes very little time to create. You just need to find a deep bookcase that fits in your entry. Then fill it with basket and add hooks. The rest is up to you.</p> <p><em>What have you done to improve your entry closet?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/12-clever-coat-closet-hacks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cheap-and-attractive-ideas-for-bookshelves">18 Cheap and Attractive Ideas for Bookshelves</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/this-is-how-you-declutter-and-keep-your-stuff-too">This Is How You Declutter and Keep Your Stuff, Too</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-rid-of-your-junk">How to Get Rid of Your Junk</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/organized-people-have-these-5-things-in-their-homes-do-you">Organized People Have These 5 Things in Their Homes — Do 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/15-common-kitchen-cast-offs-you-can-repurpose-into-cool-new-things">15 Common Kitchen Cast-Offs You Can Repurpose Into Cool New Things</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization coat closets DIY hangers mud rooms storage Tue, 10 Nov 2015 17:15:25 +0000 Ashley Marcin 1606471 at http://www.wisebread.com Best Money Tips: 17 Goals for a More Organized Life http://www.wisebread.com/best-money-tips-17-goals-for-a-more-organized-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-17-goals-for-a-more-organized-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_boss_office_000059928072_0.jpg" alt="Woman making 17 goals for a more organized life" title="" 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 goals to help you lead a more organized life, exercises to do after you&rsquo;ve been sitting all day, and ways to sleep better tonight.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/How-Get-Organized-36367042">17 Goals For a More Organized Life</a> &mdash; Organize your pantry by food group to make things easier to find. [PopSugar Smart Living]</p> <p><a href="http://blog.desktime.com/2015/10/22/how-to-exercise-after-sitting-all-day/">How to Exercise After Sitting All Day</a> &mdash; Sitting all day can cause an imbalance in your lower body. Do hip flexors to stretch the front of your hips and bridges to activate the glutes and the core. [DeskTime]</p> <p><a href="http://www.productivesuperdad.com/how-to-sleep-better/">21 Things You Can Do Today To Get Better Sleep (Even When You Have A Baby)</a> &mdash; The blue light from screens causes a decrease in melatonin production, the hormone that helps you feel sleepy. If you want a good night's sleep, turn off your screens an hour or two before you go to bed. [Productive Superdad]</p> <p><a href="http://adebtfreestressfreelife.com/the-12-habits-of-people-who-always-have-a-clean-home-checklist-free-printable/">The 12 Habits of People Who Always Have A Clean Home</a> &mdash; Display this checklist to remind yourself to keep your bed free of clutter, wipe down surfaces after every use, and file paperwork as they come in. [ A Debt Free Stress Free Life]</p> <p><a href="http://www.marcandangel.com/2015/10/21/9-things-all-healthy-couples-do/">9 Things All Healthy Couples Do</a> &mdash; Healthy couples prioritize being happy over being right. They don't blame each other for having different opinions; they brainstorm ways to come to a compromise. [Marc &amp; Angel Hack Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://lifehacker.com/find-out-what-to-focus-on-next-with-this-motivation-mat-1739413769">Find Out What to Focus on Next with This Motivation Matrix</a> &mdash; This exercise will help you figure out which activities to work on to increase your motivation and confidence. [Lifehacker]</p> <p><a href="http://www.pickthebrain.com/blog/4-meditation-secrets-people-cant-meditate/">4 Meditation Secrets For People Who Can&rsquo;t Meditate</a> &mdash; Meditation is a great way to relax, but many people struggle with it because they set the bar too high. Start with just three minute per day for a week and gradually increase the time you spend meditating. [Pick The Brain]</p> <p><a href="http://www.cleverdude.com/content/this-trick-will-help-you-afford-things-bigger-than-your-budget/">This Trick WILL Help You Afford Things Bigger Than Your Budget</a> &mdash; Want an expensive experience, like a spa day? See if you can break it up into several smaller purchases over several budgeting cycles. [Clever Dude]</p> <p><a href="http://www.northerncheapskate.com/the-real-way-to-be-a-frugal-failure/">The Real Way To Be A Frugal Failure</a> &mdash; Buying soda and splurging on a vacation doesn't mean you fail at frugality. A real frugal failure is carrying massive amounts of debt and not doing anything about it. [Northern Cheapskate]</p> <p><a href="http://parentingsquad.com/what-to-do-when-you-realize-your-child-is-the-bully">What to Do When You Realize Your Child Is the Bully</a> &mdash; Your child might think it's all just fun and games. Expose his behavior as bullying; let him know it's harmful and inappropriate. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-17-goals-for-a-more-organized-life">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/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week">5 Online Tools to Manage Your Money in Under 10 Minutes a Week</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-7-things-every-frugal-person-should-have-in-their-wallet">The 7 Things Every Frugal Person Should Have In Their Wallet</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/25-things-to-throw-out-today">25 Things to Throw Out Today</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/flashback-friday-wise-breads-88-best-food-hacks-ever">Flashback Friday: Wise Bread&#039;s 88 Best Food Hacks Ever</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization best money tips organization goals Fri, 30 Oct 2015 19:15:16 +0000 Amy Lu 1602655 at http://www.wisebread.com How to Make Your Sluggish Workday Go (a Lot) Faster http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-your-sluggish-workday-go-a-lot-faster" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_productive_workday_000052836384.jpg" alt="Woman learning how to make her sluggish workday go faster" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How many times have you looked longingly out the window beside your <a href="http://www.popsugar.com/fitness/Best-Yoga-Poses-Office-Workers-24640282">office desk</a>, wishing you were outside enjoying the fresh air &mdash; or taking a nap at home? We <em>know</em> you're raising your hand right now, and we understand 100 percent! Sometimes, the day feels like it's crawling by slower than a snail, and by the end of it, you're completely exhausted. Here's how to beat that workday rut and ensure that it flies by so quick, you won't know it hit you.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Best-Career-Advice-38400406">Real People Share the Greatest Career Advice They've Ever Received</a></p> <h2>1. Find a Job That You Love or a Project You Enjoy Within Your Current Job</h2> <p>Ideally, you want to seek a job that you'd look forward to every day &mdash; but all hope may not be lost for your current profession. &quot;If finding a job you're passionate about is tough, then find a task or project area to become an expert in,&quot; recommends <a href="http://www.jenndewallcoaching.com/" target="_blank">Jenn Dewall</a>, a career and life coach for female professionals. &quot;Find learning opportunities to enhance your understanding, set up touch-bases with people who know more, and practice it!&quot;</p> <h2>2. Set Up a Snack Drawer in Your Office</h2> <p>Nothin' like a good old chocolate chip <a href="http://www.popsugar.com/food/How-Make-Homemade-Clif-Bars-37977261">Clif Bar</a> to boost your mood. &quot;[Fill your drawer] with healthy snacks to keep your energy up and some of your favorite things you look forward to indulging in,&quot; suggests Hallie Crawford, career coach and founder of&nbsp;<a href="http://www.halliecrawford.com/" target="_blank">HallieCrawford.com</a>.</p> <h2>3. Have a Five-Minute Conversation With a Co-Worker</h2> <p>Constant corporate jargon gets old, fast &mdash; and drags the day on. &quot;We need to infuse fun into our workday, [because] it reduces stress and can increase team building,&quot; Dewall says. &quot;Ask a question that is unrelated to work and start a conversation. In similar fashion, you can also pick a pop culture topic and talk about it for five minutes.&quot;</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></p> <h2>4. Take Walks</h2> <p>Don't be a bump on a log all day; get up and move! &quot;Either walk during your lunch, or take short walks after accomplishing a bigger task,&quot; Dewall recommends. &quot;Walking will give you energy and can also break up stressful work projects.&quot; Want to take it up a notch? &quot;Schedule coffee walks with work colleagues so you can get some caffeine, fresh air, and positive conversation all at once,&quot; suggests <a href="http://www.dallekcoaching.com/" target="_blank">Rebecca Dallek</a>, a career and leadership coach for women.</p> <h2>5. Have a Look at Other Businesses</h2> <p>If you've got a little free time and you're feeling bored, &quot;Research the competition,&quot; says <a href="https://www.linkedin.com/in/jilljacinto" target="_blank">Jill Jacinto</a>, a millennial career expert for WORKS. It will give you a leg up on keeping your company sharp, and it may spark a few ideas. Plus, it's more interesting than <a href="http://www.popsugar.com/smart-living/Things-Waste-Your-Time-Work-38001474">repeatedly refreshing your email</a>!</p> <h2>6. Work With People You Like</h2> <p>&quot;This is critical to overall workplace enjoyment and to make each day fly by,&quot; Dallek says. Think about it. If you're sitting next to a co-worker who complains about everything from the temperature of his coffee to the new manager, your eyes are going to be glued to the clock.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Motivational-Spotify-Playlist-Work-38401746">20 Songs to Get You Through the Workweek</a></p> <h2>7. Focus on Your Accomplishments, Not Your Never-Ending To-Do List</h2> <p>Don't allow your pending work tasks to submerge you in stress. &quot;The more you focus on what has happened successfully during the course of your day, the faster it will go by, because you're less overwhelmed by the next thing on the list and enjoying a sense of accomplishment instead,&quot; Crawford says.</p> <h2>8. Jam to an Inspiring Song in Between Each Task</h2> <p>Whip out those headphones, stat. &quot;Allow yourself to get lost in the music for a song, and once the song is completed, go back to work,&quot; Dewall recommends. &quot;This is another mental break where the intention is to focus on how the song is making you feel &mdash;&nbsp;it's not just music to drown out your co-workers.&quot; She suggests starting out with coffee house favorites and then amping up to lively, high-energy music (think <a href="http://www.popsugar.com/entertainment/Carly-Rae-Jepsen-Nine-Inch-Nails-Mashup-37226466">Carly Rae Jepsen</a>) as the day comes to a close.</p> <h2>9. Buy Fun Office Supplies and Add Items to Your Desk That Make You Smile</h2> <p>Crawford suggests thinking along the lines of pictures of friends and family, colored folders, and supercute pens. &quot;Keep things professional, of course, but if having fun stuff on your desk makes you smile, go for it,&quot; she says. &quot;You can hide things when a client comes in if you need to.&quot;</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></p> <h2>10. Attend a Presentation From Your Colleagues in a Different Department</h2> <p>Jacinto recommends this, because seeing other departments in action provides a unique angle on your company and will maintain your focus. Better focus means faster workday!</p> <h2>11. Sit in Another Location</h2> <p>If you have a flexible workplace design, this one is cake. &quot;Sometimes a new location gives you a fresh perspective,&quot; Dallek says. And if your workspace isn't quite so accommodating or open? Simply transport your laptop to the kitchen for a half hour for a change of environment.</p> <h2>12. Set an End-of-the-Week Reward</h2> <p>You already know how important work objectives are. &quot;Each week, set up five <a href="http://www.popsugar.com/tech/Funny-Relationship-Goals-36598133">goals</a> that you want to accomplish and schedule time to work on them each day,&quot; Dewall suggests. &quot;If you accomplish the goals and fill your day with productivity, reward yourself! This can enhance your confidence and give you a sense of accomplishment when you walk out the door on Friday.&quot; Not to mention, as you center yourself and work toward those goals throughout the week, the days will zip by. And in the end, that's what we <em>all</em> want.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> When&#039;s it gonna be done o&#039;clock already? Make the long workday hours go a lot faster with some shortcuts, treats, and fun ways to be productive. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Best-Career-Advice-38400406">Real People Share the Greatest Career Advice They've Ever Received</a></li> <li><a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></li> <li><a href="http://www.popsugar.com/smart-living/Motivational-Spotify-Playlist-Work-38401746">20 Songs to Get You Through the Workweek</a></li> <li><a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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/a-one-touch-approach-to-managing-household-finances">A One Touch Approach To Managing Household Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-things-in-your-office-you-can-throw-out-today">12 Things in Your Office You Can Throw Out Today</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/avoiding-grass-is-always-greener-syndrome">Avoiding grass-is-always-greener syndrome</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/11-cool-jobs-for-outdoorsy-types">11 Cool Jobs for Outdoorsy Types</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Organization Productivity careers desk job distractions jobs office job productivity workday Fri, 02 Oct 2015 09:00:34 +0000 POPSUGAR Smart Living 1571506 at http://www.wisebread.com 10 Genius Ways to Store Toys http://www.wisebread.com/10-genius-ways-to-store-toys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-genius-ways-to-store-toys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_boy_toy_cars_000030753838.jpg" alt="Little boy learning genius ways to store toys" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your kid's toys can quickly take over if you don't have a great organization system. Sometimes all you need are a few bins or boxes to whip your place into shape. Here are a few ideas you can try in your own home to restore peace and tranquility to your living spaces. (Related: <a href="http://www.wisebread.com/25-cheap-and-easy-fixes-that-make-your-house-look-amazing?Ref=seealso">25 Cheap and Easy Fixes That Make Your Home Look Amazing</a>)</p> <h2>1. Window Seat</h2> <p>Hide your toy clutter in plain sight with <a href="http://www.thriftyandchic.com/2015/03/hidden-play-area-in-plain-sight.html">window seat</a> storage. You'll need a couple of those cube storage shelves from a big box store. Line them up under a window, fill the bins with toys, and then use some decorative throw pillows to finish off the look. Bonus points if you label the containers!</p> <h2>2. Shoe Organizer</h2> <p>Is there anything a <a href="http://www.amazon.com/gp/product/B000HM5V0A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000HM5V0A&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=H6BRWIEZAZYBD4KB">shoe organizer</a> can't do? We use one in the playroom to hold anything from art supplies to toy zebras. The method is pretty darned easy, too. Simply hang the organizer on a closet door and fill with whatever you need to organize. By the way, I like clear organizers best because your kids can see what's in them.</p> <h2>3. Bath Baskets</h2> <p>Scroll down a bit in the link to see this genius <a href="http://8footsix.com/2011/07/bathroom-makeover-before-after.html">bath toy storage</a> idea. Basically, you pick up one of those hanging <a href="http://www.amazon.com/gp/product/B00851FM22/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00851FM22&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ME3P2M3D3VUGYZFP">three-tiered baskets</a>. I've looked for them in stores, but can only seem to find them on Amazon. Then rig it up in your shower to collect rubber duckies, bath crayons, and all other fun water toys.</p> <h2>4. Puzzle Peace</h2> <p>Puzzles are seriously the bane of my existence. We used to find rogue pieces strewn about until we starting following the <a href="http://www.realcoake.com/2014/04/organizing-tips-puzzles.html">bag method</a>. Use quart or gallon zip-top bags when puzzles aren't in use. I've also seen people use pencil bags, boxes, and other containers. No matter what you choose, you won't lose that pesky last piece this way.</p> <h2>5. Storage Mat</h2> <p>We're thinking of getting our daughter her first set of Legos for Christmas this year. And I love this <a href="http://www.freshlypieced.com/2011/10/12-gifts-of-christmas-lego-storage.html">Lego storage mat</a>. You just sew fabric into a round and thread a drawstring through it for gathering. Of course, you could use the mat for storing similar blocks and trinkets. Don't sew so well? (Me neither.) Skip the fancy quilted design and stick with a single piece of fabric. A bed sheet would be an inexpensive option.</p> <h2>6. Hidden Cart</h2> <p>Make this <a href="http://www.jennaburger.com/2014/03/rolling-underbed-wood-storage-cart/">wood storage cart</a> to roll toy clutter under your child's bed. The tutorial describes how to build the low cart from scratch using wood, nails, and basic carpentry skills. I have a better idea! Find a cart at a thrift or antique store that's similar in size (even an old dresser drawer) and add wheels to it.</p> <h2>7. Car Rack</h2> <p>Place all those matchbox cars on the wall instead of in a bucket. I love this IKEA hack idea to take the <a href="http://www.amazon.com/gp/product/B00Q4O5N6M/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00Q4O5N6M&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4CG3TPCIJIMNOVCR">magnetic knife boards</a> and use them in the playroom. Screw them into the wall and stick up all your cars. This isn't just practical, it will also add some cool decor to the room.</p> <h2>8. Book Slings</h2> <p>I made these <a href="http://pennycarnival.typepad.com/penny_carnival/2009/02/tutorial-hanging-book-display.html">book slings</a> when I was still pregnant with my daughter. We've since moved from our old house and into a new one. I'm thinking about trying the tutorial again because I love displaying her books with the faces out versus the binding. To make one sling, just get a couple dowels, some fabric, hemming tape, and wall brackets. You'll fold over the fabric to make a channel to put the dowels through. Then use some anchors to screw your brackets into the wall.</p> <h2>9. Dollar Solution</h2> <p>If you're short on cash, you can still create a great storage system for your child's toys. Head to the Dollar Store or other discount joint and pick up some plastic bins or milk crates. Then make this awesome <a href="http://www.hometalk.com/560837/3-step-storage-solution">storage shelf</a> by mounting them all onto the wall in a straight line. You may want to use anchors for extra support.</p> <h2>10. Toy Rotation</h2> <p>Is your place a toy-explosion no matter what you do? Perhaps you just have too many things out at one time. Try these easy steps for <a href="http://handmadekidsart.com/5-easy-steps-to-toy-rotation-and-organization/#_a5y_p=1291650">toy rotation and organization</a>. Start by dumping all the toys onto the floor (no, really!). Group toys into categories. Figure out what is broken, unused, or can otherwise be purged. Then fill a couple storage containers with a variety of toys and keep them in storage until you're ready to rotate.</p> <p><em>How do you keep your kids' gear organized and out of sight?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-genius-ways-to-store-toys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-genius-storage-solutions-for-your-kids-room">11 Genius Storage Solutions for Your Kid&#039;s Room</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized">8 Easy Ways to Keep Your Family Organized</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/15-more-cheap-and-easy-diy-toys-kids-will-love">15 More Cheap and Easy DIY Toys Kids Will Love</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-strategies-for-controlling-toy-clutter">7 Strategies for Controlling Toy Clutter</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/25-things-to-throw-out-today">25 Things to Throw Out Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Organization children kids playroom storage solutions toy room toys Wed, 23 Sep 2015 15:00:25 +0000 Ashley Marcin 1561957 at http://www.wisebread.com Best Credit Cards for Office Supply Purchases http://www.wisebread.com/best-credit-cards-for-office-supply-purchases <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-credit-cards-for-office-supply-purchases" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000039306500.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You don&rsquo;t need to be a small business owner to make runs to the office supply store. Households and small businesses alike have needs for basic supplies, not to mention students doing their yearly back to school shopping. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=seealso">Best Credit Cards for Back to School Shopping</a>)</p> <p>Although most credit cards that offer rewards on office supply purchases are business credit cards, there are opportunities for regular consumers to earn rewards on office supplies as well. Here is a brief roundup of the best credit cards which offer big rewards for office supply purchases.</p> <h2>Ink Plus Business Credit Card</h2> <p>For the new start-up or the established business, the Ink Plus&reg; Business credit card from Chase is an excellent choice for all your office supply purchases and other business needs. Earn five points per dollar on the first $50,000 in purchases at office supply stores, as well as on cellular phone, landline, internet and cable TV services each account anniversary year. Cardholders will also earn two points per dollar on the first $50,000 spent on gas and at hotels (when purchased directly), and 1 point on other purchases each year. Furthermore, new cardholders can earn 60,000 bonus points after spending $5,000 in the first three months. This card has no foreign transaction fees, and features chip technology for more acceptance abroad. There is a $95 annual fee.</p> <h2>Ink Cash Business Credit Card</h2> <p>For no annual fee, the Ink Cash&reg; Business credit card provides many of the same benefits as the Chase Ink Plus, but it offers cash back instead of points. Cardholders receive 5% cash back on the first $25,000 spent at office supply stores and on phone, Internet, and cable TV services each account anniversary year. You also receive 2% cash back on the first $25,000 spent per year in combined gasoline and restaurant purchases, and 1% on all other purchases. If you also buy office supplies at Amazon.com, you can use your points earned on the card to pay for all or part of eligible Amazon.com orders, including tax &amp; shipping. New cardholders can earn $200 bonus cash back after spending $3,000 in the first three months, and begin redeeming for cash at just 2,000 points. Best of all, this card has no annual fee.</p> <h2>SimplyCash Business Card from American Express</h2> <p><a title="SimplyCash&reg; Business Card from American Express" alt="SimplyCash&reg; Business Card from American Express" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=13&amp;pp=3&amp;uv=xcard&amp;fot=1269" target="_blank"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/162725/600477.png" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>The <a rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=13&amp;pp=3&amp;uv=xname&amp;fot=1269" target="_blank">SimplyCash&reg; Business Card from American Express</a> is a great option for US-based businesses. Earn 5% cash back at office supply stores and on cell phone services on the first $25,000 spent each year. Cardholders can also earn 3% cash back on travel expenses, including airfare, hotels, car rentals, gas, and restaurants. In addition, businesses can receive 3% cash back on US purchases of advertising in select media and shipping and 1% on all other purchases. With access to the American Express OPEN savings program, cardholders are eligible to get a 5% discount per eligible dollar spent on HP.com for laptops, desktops and more, up to $30,000 per calendar year, along with a 5% discount on shipping purchases through FedEx, up to $20,000 per year. For a limited time, you can earn a one-time $250 statement credit after spending $5,000 or more in qualifying purchases on your card within the first 6 months of card membership. (Your application must be received by April 27, 2016 to be eligible for this offer.) This card has no annual fee. Terms and limitations apply.</p> <p><a rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=13&amp;pp=3&amp;uv=xend&amp;fot=1269" target="_blank"><strong>Click here to learn more and apply for the SimplyCash&reg; Business Card from American Express today!</strong></a></p> <h2>Chase Freedom</h2> <p>Chase Freedom&reg; is a consumer credit card which awards 5% cash back in quarterly rotating categories which could include the office supply categories, and 1% cash back on all other purchases. However, you can also shop online through the Chase portal, Ultimate Rewards, and earn various amounts of cash back at numerous office supply and office furniture stores such as OfficeMax.com and Staples.com. Plus, earn a bonus of $150 after spending $500 on purchases in your first 3 months of account opening. This card has no annual fee.<a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3765832&amp;fot=1269&amp;foc=1" rel="nofollow"><strong><br /> </strong></a></p> <h2>Upromise MasterCard</h2> <p>Not exclusively an office supply or business credit card, the Upromise MasterCard by Barclaycard provides rewards for a wide variety of purchases that can be redeemed for cash back, paying down student loans, or placed in a savings account for future college expenses. When you shop online, you can earn up to 10% cash back with Upromise retailers, which include a variety of office supply merchants such as OfficeDepot.com and Staples.com. There is no annual fee.</p> <h2>Target REDcard</h2> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=77&amp;pp=6&amp;uv=xcard&amp;fot=1269" rel="nofollow"><img width="154" border="0" alt="" class="img-exempt" style="float:right;margin:0 10px;" src="http://adn.impactradius.com/display-ad/2092-173676" /></a>Although not exclusively for office supplies, you may be hard pressed to find more affordable office supplies, furniture, and electronics than at Target stores. The <a target="_blank" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=77&amp;pp=6&amp;uv=xname&amp;fot=1269" rel="nofollow">Target REDcard</a> awards an automatic 5% discount at checkout. Plus, when you order online, cardholders receive free shipping which can help cut expenses when ordering office supplies. There is no annual fee.</p> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=77&amp;pp=6&amp;uv=xend&amp;fot=1269" rel="nofollow"><strong>Click here to learn more and apply for the Target REDcard today!</strong></a></p> <h2>Amazon.com Rewards Visa Card</h2> <p>Amazon.com is considered one of the major retail outlets for purchasing a wide variety of products, online, including plenty of office supplies and equipment. The <a target="_blank" href="http://www.wisebread.com/theres-no-good-reason-not-to-get-the-amazoncom-rewards-visa-credit-card?ref=internal">Amazon.com Rewards Visa Card</a> awards 3% back for all purchases made at Amazon.com, plus 2% back for gas station, drugstore, and restaurant purchases, and 1% back for all other purchases. This card has no annual fee.</p> <h2>Lowe's Business Rewards Card</h2> <p>Although at first glance it would seem that the Lowe's card would be exclusively for home improvement, it actually provides a number of rewards and benefits for setting up a small business. The Lowe's Business Rewards Card by American Express awards three points for each dollar spent at restaurants, office supply stores, and monthly wireless telephone services. You also receive two points for each dollar spent at Lowe's stores, and one point for each dollar spent on all other purchases. Additionally, the Lowe's card provides a discount of 5% off single-receipt purchases made in Lowe's stores. This card has no annual fee.</p> <h2>The Business Gold Rewards Card from American Express OPEN</h2> <p><a title="The Business Gold Rewards Card from American Express OPEN" alt="The Business Gold Rewards Card from American Express OPEN" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=7&amp;pp=9&amp;uv=xcard&amp;fot=1269" target="_blank"><img border="0" src="http://content.linkoffers.net/SharedImages/Products/162212/599431.png" style="float:right;margin:0 10px;" class="img-exempt" alt="" /></a>The <a rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=7&amp;pp=9&amp;uv=xname&amp;fot=1269" target="_blank">Business Gold Rewards Card from American Express OPEN</a> offers a host of benefits for the small business owner. Earn three points per dollar on one of the following categories for office purchases at your choosing: computer hardware, software, and cloud computing from select providers, shipping, gas, advertising in select media, or airfare. Receive two points per dollar on the remaining four categories and one point per dollar on all other purchases. Cardholders have access to ReceiptMatch, which is a feature that syncs with Quickbooks to help business owners manage card expenses through adding receipts, tags, and notes to transactions. Like the American Express SimplyCash, the American Express Business Gold Rewards cardholder has exclusive access to American Express OPEN, which provides 5% discounts or two additional points per dollar spent on select purchases, including computers, shipping, and more. This card has no foreign transaction fees, and a $175 annual fee that is waived in the first year. Terms and limitations apply.</p> <p><a rel="nofollow" href="http://ct.wisebread.com/click.php?pg=45&amp;pid=7&amp;pp=9&amp;uv=xend&amp;fot=1269" target="_blank"><strong>Click here to learn more and apply for the Business Gold Rewards Card from American Express OPEN today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">The 5 Best Credit Cards With Airline Companion Tickets</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get a Business Credit Card Over a Consumer Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entrepreneurship Organization Shopping best credit cards office supplies Fri, 18 Sep 2015 20:03:30 +0000 Christina Majaski 1545905 at http://www.wisebread.com 8 Easy Ways to Keep Your Family Organized http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-easy-ways-to-keep-your-family-organized" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_marking_calendar_000065803191.jpg" alt="Woman finding easy ways to keep family organized" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Feeling frazzled? Me too! September means back to school and back to life without sunny summer vacations. Whether your kids are getting into their new routines or you could simply use more organization, we've found some great solutions for even the most chaotic homes. (See also: <a href="http://www.wisebread.com/6-apps-every-dad-needs?ref=seealso">6 Apps Every Dad Needs</a>)</p> <h2>1. Command Center</h2> <p>Putting your calendar, bills, and all other important things in a central location is a good start. Check out this <a href="http://howtonestforless.com/2014/09/04/kitchen-command-center-2/">kitchen command center</a>. You'll want to get one of those white board calendars and several colors of markers. Assign each member of your family a color and fill in all the month's activities. The rest of it is up to you. Folders and binders for bills, lists, and other sheets are also helpful.</p> <h2>2. Paperwork Storage</h2> <p>And let's talk about all those papers for a minute. Kids get all sorts of permission slips, report cards, photos, and other sheets for school, dance, sports, and so on. Try this <a href="http://iheartorganizing.blogspot.com/2010/11/school-paperwork-storage.html">paperwork storage</a> idea that will ensure you won't lose a thing. Get one of those file boxes, hanging files, and some labels. You can organize by school year, month, or however makes the most sense to you.</p> <h2>3. Cubbies</h2> <p>My daughter's preschool has a whole wall of cubbies for coats, backpacks, boots, and all the stuff her classmates schlep to school. Bring this idea home by making cubbies to install in your entryway. If you search around, you'll find woodworking plans to build cubbies. You can even buy them at many stores. My suggestion? Repurpose a large thrifted shelf! This <a href="http://www.mycreativedays.com/lockers-made-from-old-bookshelf/">bookshelf turned locker</a> will hopefully spark your creativity.</p> <h2>4. Marvelous Mudroom</h2> <p>Don't have space in the house for cubbies? Carve out a spot in your garage for this awesome <a href="http://designdininganddiapers.com/2015/01/diy-garage-mudroom/">DIY mudroom</a>. Yours doesn't have to look just like the photo, but you'll want somewhere to hang your coats, another place for mittens and other accessories, a shoe rack of sorts, and maybe a large bucket for umbrellas and bigger items. Add a few framed photos for extra flair.</p> <h2>5. After-School Checklist</h2> <p>Give your child some responsibility with this <a href="http://www.prettyprovidence.com/school-checklist-kids-free-printable/">after-school checklist</a>. You can customize the sheet to list any tasks, chores, and other responsibilities unique to your family. Then frame it in a standard picture frame. Your kid can use a dry-erase marker to keep track of his or her progress. This idea would work great for adults too!</p> <h2>6. Junk Buckets</h2> <p>Finding odds and ends everywhere? I love these <a href="http://www.remarkablehome.net/2013/03/crap-buckets-for-all-crap-your-kids.html">junk buckets</a> for organization. They give you a beautiful way to collect all the, well, crap you find around your house. Get some plastic or metal buckets or bins, label them, and place them at the bottom of your stairway. Then take them upstairs each night before bed.</p> <h2>7. Cleaning Closet</h2> <p>Part of staying organized means keeping things tidy. Beef up your <a href="http://www.the36thavenue.com/cleaning-tips-diy-cleaning-closet/">cleaning closet</a> by getting some of those hanging organizers for your supplies like paper towels, window spray, antibacterial wipes, and more. You'll be able to fit so much more in even tiny closets this way. And if you have your kids help with chores, it'll be much easier for them to put everything back in place when they're done.</p> <h2>8. Simplified Life</h2> <p>If you've tried a lot of these ideas and still feel like life is crazy, try simplifying. Kate at <a href="http://www.housemixblog.com/2014/07/03/how-i-simplified-and-organized-my-house-room-by-room/">House Mix</a> went room by room in her entire house to find ways to cut back on clutter, save money, and maximize space. A lot of her efforts were trained on leaning out excess stuff that created mess and, therefore, sucked away time from more important stuff.</p> <p>Sound intimidating? Start small. I've found that even cutting down on the number of clothes in my closet has brought me greater peace on the daily. (See also: <a href="http://www.wisebread.com/8-essential-pieces-for-your-capsule-wardrobe?ref=seealso">8 Essential Pieces for Your Capsule Wardrobe</a>)</p> <p><em>How do you keep your family organized and on task? Let us know in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-genius-ways-to-store-toys">10 Genius Ways to Store Toys</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/25-things-to-throw-out-today">25 Things to Throw Out Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</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/9-things-in-your-house-youre-forgetting-to-clean">9 Things in Your House You&#039;re Forgetting to Clean</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-things-science-says-you-should-do-for-your-family">5 Easy Things Science Says You Should Do for Your Family</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Home Organization children cleaning kids removing clutter simple living Fri, 18 Sep 2015 15:00:23 +0000 Ashley Marcin 1561360 at http://www.wisebread.com These 5 Apps Will Help You Finally Organize Your Money http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-5-apps-will-help-you-finally-organize-your-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_using_tablet_000057613006.jpg" alt="Woman using top 5 apps for organizing personal finances" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Organizing your personal finances is the first step toward solid budgeting and savings habits. Fortunately, there are plenty of <a href="http://www.wisebread.com/6-apps-every-dad-needs">free apps</a> that can help keep your finances and bills organized, right from your smartphone, tablet, or computer.</p> <p>With the right app, you can keep track of where your money is going, maintain a steady budget every month, and make sure your bills are paid on time. Best of all, these apps are free, so it will cost you nothing to get your financial life on track.</p> <h2>1. Mint</h2> <p><a href="https://www.mint.com/">Mint</a> is a popular personal finance app that is easy to use and understand, and offers a complete picture of your financial life. It can show your cashflow in real time, so you know exactly how much you have and how much you owe. It will help you keep track of spending, create budgets, monitor your accounts, receive bill reminders, and even get your free credit score. You can also set spending limits for different categories and Mint will alert you if you are coming close to your limit. There is no easier way to track your checking and saving accounts, credit cards, and other debt and credit accounts in one central location.</p> <p>Mint can also give you customized suggestions on ways to reduce fees, cut spending, and save even more money every month. The more financial and personal information you enter, the more accurate analysis and recommendations it can make. The app offers cross-platform syncing and during tax time, services like <a href="http://www.tkqlhce.com/click-2822544-10457938-1438730350000">TurboTax</a> can even download your financial information directly from Mint to save you time.</p> <h2>2. Personal Capital</h2> <p><a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.216060&amp;fot=9999&amp;foc=1&amp;foc2=582907" rel="nofollow">Personal Capital</a> can give you a complete view of your assets, liabilities, and investment holdings. In fact, Macworld named this the best free finance tracking app available. Similar to Mint, this award-winning finance app can help you track your spending, create budgets, and also includes your investments. You can even pair with an adviser to create a personalized portfolio plan through the app. Personal Capital is ideal for anyone who currently invests, wants to invest more, or wants to include retirement planning. It takes less than a minute to sign up and can help you get control of your finances for good..</p> <h2>3. Goodbudget Budget Planner</h2> <p><a href="https://goodbudget.com/">Goodbudget</a> (formerly EEBA, the Easy Envelope Budget Aid) is frequently recommended online because it makes it easier than ever to actually stick to a budget. The app can help you create a budget, save for expenses, and make sure you're meeting your goals. There are also charts available to help you visualize your spending. The cloud sync-enabled app allows you to share your budgets with other people in your household so that everyone is on the same page. Your transactions will also be instantly synced thanks to the cloud.</p> <h2>4. Quicken</h2> <p><a href="http://www.quicken.com/stay-connected-your-money">Quicken</a> is one of the most comprehensive tools for personal finance management. It can provide a complete picture of all your accounts by helping you track your spending habits, set a budget, get bill reminders, find your free credit score, and even save receipts. It is easy to use, set up, and link to all your financial accounts. You can connect the app to your Quicken desktop software and it also automatically syncs data from your computer to your phone to your tablet, so you can have a complete grasp of your financial accounts, no matter where you are. The app also offers convenient spending graphs so you can see where you are spending and where you could be saving.</p> <h2>5. Spending Tracker</h2> <p>What better way to track your spending and budget than with a <a href="https://itunes.apple.com/us/app/spending-tracker/id548615579?mt=8">Spending Tracker</a>? The app is user-friendly and easy to set up. You can easily record expenses and income, pull reports on spending, view interactive bar and pie charts, and more. You can also set a fixed budget amount make sure you are remaining under budget every month.</p> <p><em>What are your favorite apps and online tools to help organize your personal finances? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-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-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/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week">5 Online Tools to Manage Your Money in Under 10 Minutes a Week</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-7-things-every-frugal-person-should-have-in-their-wallet">The 7 Things Every Frugal Person Should Have In Their Wallet</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/a-one-touch-approach-to-managing-household-finances">A One Touch Approach To Managing Household Finances</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</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/money-management-in-5-minutes-a-day">Money Management in 5 Minutes a Day</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Organization Technology finance apps money management online banking paying bills savings habits Tue, 15 Sep 2015 13:00:19 +0000 Andrea Cannon 1555449 at http://www.wisebread.com Best Money Tips: Organize Your Life and Save Money http://www.wisebread.com/best-money-tips-organize-your-life-and-save-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-organize-your-life-and-save-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stressed_woman_000056327992.jpg" alt="Woman learning to organize her life and save money" title="" 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 ways to organize your life and save money, how to ask for a promotion, and ways to make your batteries last longer.</p> <h2>Top 5 Articles</h2> <p><a href="http://ptmoney.com/organize-your-life-save/">5 Ways to Organize Your Life and Save Money</a> &mdash; Keep a family calendar to track when you need to buy gifts and do home and car maintenance, and what meals you'll be making at home. [PT Money]</p> <p><a href="http://www.iwillteachyoutoberich.com/blog/how-to-ask-for-a-promotion/">How to ask for a promotion</a> &mdash; You won't get a promotion if you just walk in and ask for it. You'll need to do a lot of preparation to get what you want. [I Will Teach You To Be Rich]</p> <p><a href="http://www.thepennyhoarder.com/how-to-make-batteries-last-longer/">6 Ways to Make Your Batteries Last Longer, Including a Device Called the Batteriser</a> &mdash; Rotate out your used batteries. The remote-control car won't work, but there might be enough juice in the batteries for a clock or remote control. [The Penny Hoarder]</p> <p><a href="http://www.popsugar.com/smart-living/LinkedIn-Mistakes-37935382">19 Terrible LinkedIn Mistakes You're Making</a> &mdash; Make sure to personalize connection requests. It'll feel less spammy and the recipient will be more open to your request. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/The-Bite/2015/0721/Looking-up-restaurant-info-No-one-uses-an-app-for-that">Looking up restaurant info? No one uses an app for that.</a> &mdash; There seems to be an app for everything, but it turns out that few diners actually download apps for their favorite restaurants. [The Monitor]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.themoneyprinciple.co.uk/how-safe-are-your-savings-and-what-to-do-about-it/">How Safe are Your Savings? (And what to do about it?)</a> &mdash; Your savings may not be as safe as you think they are. It's important to keep up with the news and watch for warning signs of economic and financial trouble. [The Money Principle]</p> <p><a href="http://parentingsquad.com/10-ways-to-keep-your-kids-busy-this-summer">10 Ways to Keep Your Kids Busy This Summer</a> &mdash; Check your local zoos, children&rsquo;s museums, and art museums for summer passes or memberships at reduced rates. [Parenting Squad]</p> <p><a href="http://moneysmartlife.com/save-money-on-youth-sports-equipment-fees/">How to Save Money on Youth Sports Equipment &amp; Fees</a> &mdash; Stock up on easily lost items &mdash; like balls and water bottles &mdash; when they go on sale. [Money Smart Life]</p> <p><a href="http://couponpal.com/blog/the-11-best-food-tours-in-the-world">The 11 Best Food Tours in the World</a> &mdash; Scott's Pizza Tours in New York City takes you to the best pizzas in Little Italy and Greenwich Village! [CouponPal]</p> <p><a href="http://www.aspiringmillionaire.com/2015/07/4-ways-to-expand-your-business-sponsored.html">4 Ways to Expand Your Business</a> &mdash; See if you can get your customers to spend more by providing a new product or service that complements your current offerings. [Aspiring Millionaire]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-organize-your-life-and-save-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-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-online-tools-to-manage-your-money-in-under-10-minutes-a-week">5 Online Tools to Manage Your Money in Under 10 Minutes a Week</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-7-things-every-frugal-person-should-have-in-their-wallet">The 7 Things Every Frugal Person Should Have In Their Wallet</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-wise-breads-88-best-food-hacks-ever">Flashback Friday: Wise Bread&#039;s 88 Best Food Hacks Ever</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/25-things-to-throw-out-today">25 Things to Throw Out Today</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-pantry-tricks-that-save-you-big">9 Pantry Tricks That Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization best money tips save money Wed, 22 Jul 2015 19:00:24 +0000 Amy Lu 1499061 at http://www.wisebread.com 6 Simple Ways to Save Money by Tracking Your Receipts http://www.wisebread.com/6-simple-ways-to-save-money-by-tracking-your-receipts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-simple-ways-to-save-money-by-tracking-your-receipts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_with_receipts_000047774388.jpg" alt="Woman keeping track of receipts and saving money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Receipts are often annoying little pieces of paper that we disregard or forget about &mdash; that is, until we need to exchange an item or file expenses. Although it might take a little effort, keeping track of your receipts can help you better manage your financial life and <a href="http://www.wisebread.com/39-tips-thatll-save-you-hundreds-on-your-next-trip-0">save money</a>. Here's how.</p> <h2>1. Missed Discounts</h2> <p>Did you know that some retailers will offer a <a href="http://www.wisebread.com/heres-how-to-get-a-sale-price-match-at-16-popular-stores">retroactive discount</a> in the event you forget to use a coupon when you originally purchase? It's true. Even if you forget to use a coupon at the store, you can walk back in and ask customer service to help you.</p> <p>When I forgot to use a 20% off coupon for a purchase I made at Bed Bath &amp; Beyond, I took the original receipt and coupon to the customer service desk and received a credit of the same 20% savings on a future purchase. Having this receipt handy saved me a good chunk of change.</p> <h2>2. Survey Savings</h2> <p>I've recently noticed that more and more restaurants and retail stores are asking customers to complete a survey in exchange for discounts or freebies. They need your feedback, and want to reward you in a small way for your help.</p> <p>Old Navy, for example, will offer a 10% off coupon code when you complete a survey of your store shopping experience. It takes about three minutes to fill out the survey online and you'll be given a coupon code for 10% off your entire purchase the next time you're in the store.</p> <p>Aside from <a href="http://www.wisebread.com/101-ways-to-save-money-on-clothes">saving money on clothes</a>, I've received free burgers, drinks, cash, and other freebies for completing surveys that were printed on store receipts. It really does pay to keep your receipt and spend a few minutes answering the questions.</p> <h2>3. Catching Pricing Errors</h2> <p>We're all busy people, and this includes cashiers, which means it's highly probable that we're going to miss important savings. Whether it's us or the cashier who's in a hurry, a mistake could occur when checking out.</p> <p>I always keep the receipt and thoroughly glance over it before leaving the store. Sometimes an employee will forget to scan a coupon I gave them, or they might ring up an item twice. Other times, it's helpful to verify the price that was scanned versus the price displayed on the shelf.</p> <p>If a company has an item priced for $6, they have to sell it to you for that price, even if it's originally labeled for $20. So be sure to pay attention while checking out, or at the very least, review your receipt before leaving the store.</p> <h2>4. Tax Deductions</h2> <p>As a freelancer myself, it's vital that I keep record of all <a href="http://www.wisebread.com/3-ways-to-fund-your-business-without-touching-savings">business-related expenses</a> and purchases throughout the year. When you're a business owner, you already have to pay your own Social Security and Medicare tax (since you don't have an employer to help split the difference) which means you'll want to get all the deductions and credits you deserve.</p> <p>Business trips and client meetings over coffee or lunch all count towards tax savings that can be deducted on your tax return at the end of the year. Even job hunting or moving expenses can help decrease your overall tax burden.</p> <h2>5. Rebates and Cash Back</h2> <p>This is likely one of the best reasons to keep a receipt, especially if it's for an electronic or gadget purchase. My husband recently upgraded his gaming computer and was able to get over $85 worth of cash rebates and gift cards because he followed the instructions for the rebate offers.</p> <p>Companies are usually very strict about <a href="http://www.wisebread.com/5-ways-to-earn-cashback-rewards-without-extra-spending">rebates and cashback policies</a>, so be sure you're following the directions exactly. Often you'll have to mail in the original receipt, so you'll want to make a copy of it for yourself before sending it out.</p> <p>Without the original receipt, most companies will <em>not </em>honor the rebate offer and you could be missing out on a good chunk of savings.</p> <h2>6. Mobile Apps to Store Receipts</h2> <p>We've established that keeping your receipts is important if you want to save more money, so how can you store them in an organized manner? The best answer is to use mobile apps to help stay organized and keep them for future reference.</p> <h3>Shoeboxed</h3> <p><a href="https://www.shoeboxed.com/">Shoeboxed</a> is a comprehensive mobile app that allows you to input your receipts manually, or take a picture of the receipt digitally. You can then store the information for tracking expenses, mileage or meal reimbursements, and easily export to bookkeeping software for expense reports.</p> <h3>Expensify</h3> <p>If you work in sales or are someone who travels a lot for business, <a href="https://www.expensify.com/">Expensify</a> is exactly what you need. Their SmartScan technology easily reads and scans your receipt, which you can then categorize, tag, and save for future reference. In the event you lose your original receipt, this app then generates and IRS-guaranteed eReceipt that's good for redemption purposes.</p> <h3>OneReceipt</h3> <p>With <a href="https://www.onereceipt.com/">OneReceipt</a> you can save both physical receipts and digital ones made from online purchases that are received in your email inbox. Either take an image of your paper receipt, or forward a digital receipt for categorization and saving using your personal &quot;@onereceipt.com&quot; email address.</p> <p><em>Do you use your receipts to save money? What's another way to maximize your savings by keeping track of receipts?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/6-simple-ways-to-save-money-by-tracking-your-receipts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-organize-your-paperwork-in-just-10-minutes-a-week">How to Organize Your Paperwork in Just 10 Minutes a Week</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-7-things-every-frugal-person-should-have-in-their-wallet">The 7 Things Every Frugal Person Should Have In Their Wallet</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</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/financial-iq-test-how-healthy-is-your-budget">FINANCIAL IQ TEST: How Healthy Is Your Budget?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/working-on-the-road-a-book-review-for-professional-nomads">Working on the Road: A Book Review for Professional Nomads</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Organization documents expenses filing receipts Fri, 19 Jun 2015 11:00:20 +0000 Carrie Smith 1457076 at http://www.wisebread.com 9 Things in Your House You're Forgetting to Clean http://www.wisebread.com/9-things-in-your-house-youre-forgetting-to-clean <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-things-in-your-house-youre-forgetting-to-clean" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kid_toy_under_bed_000022705231.jpg" alt="Child forgetting to clean under the bed in his room" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's a good chance you're rolling your eyes right now. You have a hard enough time keeping your <a href="http://www.wisebread.com/6-cleaning-rules-you-should-be-breaking">house clean</a> as is without me telling you that you're forgetting to clean X-Y-Z. But these easily forgettable areas can be havens for germs and gunk. But the good news is that while all of the following nine areas are easy to forget, they're also easy to clean!</p> <p>So the next time you're cleaning the house, take a few moments to wash, wipe down, or otherwise clean the following.</p> <h2>1. Under the Bed</h2> <p>Maybe it's a latent childhood fear of what lurks under our bed, but most people avoid this space of their house like the plague. Unfortunately, out-of-sight and out-of-mind doesn't mean this space is magically clean. It's a popular spot for dust and dust mites, and since you spend (hopefully) at least eight hours a day lying directly above it, this area deserves your attention. It's as simple as a good vacuum or sweep, and be sure to get the dust that collects around the bed posts.</p> <h2>2. Toothbrush Holder</h2> <p>For something that sits in our bathrooms and holds a brush that we put in our mouths at least twice a day, you'd think we'd clean toothbrush holders more. According to a 2011 study by NSF International, it's one of the germiest spots in the entire house. Keep your toothbrush holder clean with the help of antibacterial mouthwash &mdash; it's not just good for keeping your mouth clean!</p> <h2>3. Pillows</h2> <p>I don't mean to alarm you, but when was the last time you washed your pillows? If you're like many people, it's been a while, and pillows are a great hiding place for dust mites and general sleep filth. Every six months, give your pillows a good hot water wash in the washing machine and dry on low heat. Be sure to check the care instructions, and don't wash foam pillows.</p> <h2>4. Refrigerator</h2> <p>The fridge is something that often gets put on spring cleaning lists, and just moves from one to-do list to the next. It's also a job that always seems worse than it is, and is totally worth doing on a semi-regular basis. If you can keep your fridge tidy, you'll keep away gross germs, rotting food, mold, and generally make your life easier. Even a big fridge overhaul can be done in under 30 minutes, so no excuses! Just be sure to clean the coils in the back from time to time, since dusty build-up will make the appliance work harder, and drives up your energy bill.</p> <h2>5. Doorknobs</h2> <p>It makes sense when you think about it: hands are great carriers of germs, and you open doorknobs with your hands. At the same time, they are often overlooked when it's time to clean. Even though brass and copper doorknobs have natural antibacterial properties, they can still get coated with the oil from your hands, which can trap more bacteria and dirt. Give all of the knobs in your house a regular wipe-down with vinegar, and focus on the doors that get the most use, like the front, back, and bathroom doorknobs.</p> <h2>6. Light Switches</h2> <p>The same dirty hand principle applies to light switches, which are in no way anti-bacterial. They are frequently handled by clean and dirty hands alike, and are a fun place for bacteria to hang out. Every time you clean, give them a wipe with a cloth moistened with vinegar or antibacterial cleaner to keep germs from spreading.</p> <h2>7. House Plants</h2> <p>When plants grow outside, they get rained on and dusted by the wind regularly, keeping them clean. When green things live in your home and only get watered at the base, they tend to get dusty and dirty. In addition to this being unsightly and just kind of gross, it also impedes their ability to absorb sunlight and can encourage pests. Every couple of months or so, give your plants a cleaning, either with a damp sponge or with a full-blown shower. Mist them regularly to keep them perky and tidy. Before cleaning, be sure to consider what kind of plant you're dealing with so that you don't overwork or over-water.</p> <h2>8. Under Rugs</h2> <p>Even though that bit of floor is covered up with a piece of carpeting or rug, that doesn't mean that it's perfectly clean. Dirt and dust often gather at the edges, corners, and just underneath rugs. Keep your rugs and floors in good condition and keep your home clean by pulling up the rug when you clean from time to time. Don't forget to clean your rugs once or twice a year, too!</p> <h2>9. Handheld Electronics</h2> <p>We tend to use electronic devices without regard to how clean our hands are, and with touch screens things get extra grimy (and if you have kids, it's even worse). Keep your devices clean without damaging them by wiping them down with a solution of distilled water and isopropyl alcohol. The alcohol is fast evaporating, so it keeps anything important from getting wet.</p> <p><em>What things in your home do you sometimes forget to clean?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/laurel-randolph">Laurel Randolph</a> of <a href="http://www.wisebread.com/9-things-in-your-house-youre-forgetting-to-clean">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-things-to-throw-out-today">25 Things to Throw Out Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized">8 Easy Ways to Keep Your Family Organized</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</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-mops">The 5 Best Mops</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/30-household-products-vinegar-can-replace">30 Household Products Vinegar Can Replace</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Organization cleaning dusting germs household washing Mon, 15 Jun 2015 11:00:13 +0000 Laurel Randolph 1456992 at http://www.wisebread.com