shopping http://www.wisebread.com/taxonomy/term/194/all en-US 25 Money-Saving Strategies That Are Actually Hurting You http://www.wisebread.com/25-money-saving-strategies-that-are-actually-hurting-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-money-saving-strategies-that-are-actually-hurting-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_calling_insurance_for_home_leaks.jpg" alt="Couple calling insurance for home leaks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Taking action to save money can be a great way to get your finances on track. But some of the ways we try to cut costs are actually harmful to our financial well-being. Here are all the money-saving strategies that can backfire on us.</p> <h2>1. Skipping college</h2> <p>College is expensive, so you may think the best plan of action is to skip it and save the money. That's the smarter move, right? Maybe not. Depending on your chosen career field, a degree can mean the difference of more than $1 million in income over the lifetime of your career. So while college is expensive, you'll also probably earn a lot more with a college degree, even considering the salary you miss out on during the years you are in school. (See also: <a href="http://www.wisebread.com/my-kid-got-accepted-to-an-expensive-private-college-now-what?ref=seealso" target="_blank">My Kid Got Accepted to an Expensive Private College &mdash; Now What?</a>)</p> <h2>2. Not participating in your 401(k) plan</h2> <p>Your paycheck is already hit with taxes, Social Security, FICA, and other expenses before you get your money. Your natural reaction may be to try to keep your paycheck as fat as possible by not contributing to your employer-sponsored retirement plan. In the long run, this move is almost guaranteed to backfire. Not only are you hurting your own financial future, but 401(k) contributions are tax-advantaged, and if you keep the money in your paycheck, you are more likely to spend it. (See also: <a href="http://www.wisebread.com/5-dumb-401k-mistakes-smart-people-make?ref=seealso" target="_blank">5 Dumb 401(k) Mistakes Smart People Make</a>)</p> <h2>3. Buying food in bulk</h2> <p>Food waste is a big problem, and this can be exacerbated when you buy food in bulk. It can seem smart to load up with bulk food at low cost-per-pound prices, but how many pounds of oats are you <em>really</em> going to eat before they go stale?</p> <h2>4. Not investing in yourself</h2> <p>Reducing expenses is important to stay within your budget and move forward in your financial goals. But obsessing over saving money can result in missing out on opportunities to better your life or invest in yourself. For example, you might skip out on spending $400 for a new suit or $1,000 for career training that would help you land job that pays $20,000 more per year.</p> <h2>5. Deferring expenses</h2> <p>Sometimes getting by cheaply now results in big expenses down the road. For example, you could buy a cheap house with lots of serious issues and benefit now from lower payments, but you may end up pouring money into it later to keep it livable or to get the house in a condition so you can sell it. (See also: <a href="http://www.wisebread.com/23-hidden-costs-of-buying-an-old-house?ref=seealso" target="_blank">23 Hidden Costs of Buying an Old House</a>)</p> <h2>6. Buying minimal car insurance</h2> <p>You can save money on insurance payments every month by purchasing minimal car insurance. But if you have an accident that results in major damage or injury, minimal insurance could leave you with big bills and cost you more in the long run.</p> <h2>7. Saving to spend</h2> <p>It feels good to save up some money and watch your savings account grow. But if you are saving up a big pot of money with the sole intention of spending it, having funds in a savings account can actually result in spending more money, not less. Examples of this include saving up for expensive items that don't retain value such as a recreational vehicle or new car.</p> <h2>8. Doing-it-yourself</h2> <p>You can save a lot of money doing projects yourself instead of hiring a professional, but DIY projects still cost a lot of money for materials, not to mention time and effort. And if you do something wrong, you may need to hire a professional anyway to fix your mistake. Before you take on a project, make sure it is worth doing. (See also: <a href="http://www.wisebread.com/how-to-keep-diy-projects-from-ruining-your-life?ref=seealso" target="_blank">How to Keep DIY Projects From Ruining Your Life</a>)</p> <h2>9. Buying items on sale that you don't need</h2> <p>Buying things on sale can be a good way to save money, but this only works if you need the items in the first place and will actually use them within a reasonable period of time. If you buy stuff you don't need <em>just </em>because it's on sale &mdash; no matter how cheap it is &mdash; you are wasting money.</p> <h2>10. Skipping meals</h2> <p>Skipping meals occasionally can save you money on food. However, this savings can be offset by reduced productivity and by the potential for making poor spending and financial decisions while hungry.</p> <h2>11. Eating cheap food</h2> <p>Eating junk food such as soda, chips, and fast food will provide your daily caloric requirements for a minimal amount of money, but you are likely to end up overweight and miss out on key vitamins and minerals that you need to stay healthy. If you want to find affordable healthy food, check out this list of <a href="http://www.wisebread.com/25-low-cost-foods-packed-with-nutrition" target="_blank">cheap foods that are packed with nutrition</a>.</p> <h2>12. Using coupons</h2> <p>How did using coupons end up on a list of money-saving strategies that can hurt you? Stores give out coupons for a reason. They know that coupons can lead you to buy stuff you normally wouldn't buy, and that results in more profit for the store. Using coupons for items you would buy anyway makes sense, but resist buying extra items only because you have a coupon. (See also: <a href="http://www.wisebread.com/the-6-shopping-mistakes-keeping-you-from-a-great-deal?ref=seealso" target="_blank">The 6 Shopping Mistakes Keeping You From a Great Deal</a>)</p> <h2>13. Ignoring home maintenance</h2> <p>Sometimes you need to take on home repairs right away to avoid expensive damage. If you notice water leaking from a roof, or a leaky pipe, you might think that ignoring the problem costs no money while calling in someone to make a repair could cost hundreds of dollars. While it is true that repairs can be expensive, ignoring routine maintenance can be even more expensive down the road if more extensive repairs are needed for cumulative damage.</p> <h2>14. Supersizing</h2> <p>Why not pay 49 cents extra to upgrade from a medium size drink and fries to a large? This &quot;deal&quot; feeds into temptation and poor impulse control, and again, paying extra for something you don't need or didn't originally want is not a way to save money. This strategy can hurt your waistline as well as your wallet. (See also: <a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys?ref=seealso" target="_blank">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a>)</p> <h2>15. Leasing a car</h2> <p>The monthly payments for leasing a car are often lower than for purchasing a car, so it might seem like you can save money by leasing instead of buying. The problem with leasing is that you make all of the payments on the vehicle during the time when it depreciates the most, but you don't end up owning the car at the end of the lease. You end up with nothing! If you purchase a car, you can pay it off and go for years without making payments after you own the vehicle. (See also: <a href="http://www.wisebread.com/what-you-need-to-know-before-leasing-a-car?ref=seealso" target="_blank">What You Need to Know Before Leasing a Car</a>)</p> <h2>16. Making minimum payments on credit cards</h2> <p>When is it good to pay more than you are charged? When your credit card bill comes. Making minimum payments on a credit card seems like a way to spend the least amount possible, but interest charges pile up and it can take decades to pay off a credit card by making minimum payments. (See also: <a href="http://www.wisebread.com/all-the-ways-minimum-payments-are-evil?ref=seealso" target="_blank">All the Ways Minimum Payments Are Evil</a>)</p> <h2>17. Repairing old appliances and vehicles</h2> <p>You can often repair an old appliance or vehicle for less than the cost of replacing it, which can seem like a good strategy to save money. But if the repair cost exceeds the value of the item, you might come out ahead by replacing it, even if it costs more in the short term. Instead of sinking money into an older item that has a limited life expectancy and will likely need additional repairs soon, you can apply the money toward buying a newer item that should be trouble-free for many years.</p> <h2>18. Hanging on to unneeded things because they are paid for</h2> <p>After you buy something, its value typically declines over time. This means that you will never be able to get your full money back by selling your things. So, you might decide to hang on to everything that you have paid for instead of selling it at a loss. This strategy may make financial sense, but you can end up with lots of clutter from things you don't use, and some items require costly maintenance. Even if it's paid for, if you don't use it, get rid of it.</p> <h2>19. Not boosting your productivity</h2> <p>For years, I used an old laptop that was barely functional. It took hours to accomplish things that should have taken a few minutes due to laggy performance and system crashes. I finally bought a refurbished laptop to replace my aging computer, and I was able to pay for it within a couple months due to increased productivity. (See also: <a href="http://www.wisebread.com/how-to-buy-a-new-computer-without-breaking-your-budget?ref=seealso" target="_blank">How to Buy a New Computer Without Breaking Your Budget</a>)</p> <h2>20. Skipping a worthwhile project to save money</h2> <p>Although it may seem like the best money strategy is to minimize expenses, sometimes you have to spend money to make money. For example, you could decide to skip the expense of seed packets, tools, and fertilizer to plant a garden. But a garden can pay for itself many times over with its produce. Plus you can reuse many garden tools and supplies for years after the initial purchase.</p> <h2>21. Skipping vehicle maintenance</h2> <p>You can try to save money by not getting regular oil changes and other routine maintenance on your vehicle, but this strategy will cost more than it saves. Keeping up with maintenance on your vehicle will extend its life, lower the likelihood of an expensive breakdown, and can make your vehicle run more efficiently so you reduce fuel costs. (See also: <a href="http://www.wisebread.com/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist?ref=seealso" target="_blank">Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist</a>)</p> <h2>22. Skipping vet appointments</h2> <p>Vet bills for routine vaccinations and checkups can be expensive, but skipping these appointments can be even more costly. Not taking pets to the vet regularly can result in more expensive treatments down the road, plus your pet's health can suffer. (See also: <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills?ref=seealso" target="_blank">8 Ways to Lower Your Vet Bills</a>)</p> <h2>23. Wearing cheap shoes</h2> <p>A good pair of shoes is expensive, so why not save some money by getting cheap shoes instead? A good pair of shoes can last for years, while a cheap pair of shoes may only last a few months before wearing out. Buying a good pair of shoes can be less expensive in the long run, and you can walk all you want in comfort without getting sore feet or back pain.</p> <h2>24. Not having a comfortable bed</h2> <p>You can avoid some expenses for bedding through long-term couch surfing or by using a mattress forever even after it is worn out and no longer comfortable. But not getting a good night's sleep will lower your productivity and you are more likely to make poor spending and financial decisions when you have not gotten enough sleep.</p> <h2>25. Skipping medical and dental appointments</h2> <p>Visits to the doctor or dentist can be unpleasant and expensive, but you are better off taking care of your health the way you are supposed to. Failing to go for routine health screenings and teeth cleanings can lead to more expensive problems down the line. (See also: <a href="http://www.wisebread.com/8-expenses-you-should-never-cut?ref=seealso" target="_blank">8 Expenses You Should Never Cut</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F25-money-saving-strategies-that-are-actually-hurting-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F25%2520Money-Saving%2520Strategies%2520That%2520Are%2520Actually%2520Hurting%2520You.jpg&amp;description=25%20Money-Saving%20Strategies%20That%20Are%20Actually%20Hurting%20You"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/25%20Money-Saving%20Strategies%20That%20Are%20Actually%20Hurting%20You.jpg" alt="25 Money-Saving Strategies That Are Actually Hurting You" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/25-money-saving-strategies-that-are-actually-hurting-you">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-14"> <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/why-saving-money-is-harder-today">Why Saving Money Is Harder 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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</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-become-a-minimalist-with-your-money">How to Become a Minimalist With 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/heres-how-late-starters-can-save-for-their-kids-education">Here&#039;s How Late Starters Can Save for Their Kids&#039; Education</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living backfire college cutting costs expenses health care maintenance retirement saving money shopping Spending Money too frugal Tue, 08 May 2018 08:00:18 +0000 Dr Penny Pincher 2136177 at http://www.wisebread.com 4 Behaviors That Risk Your Financial Security http://www.wisebread.com/4-behaviors-that-risk-your-financial-security <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-behaviors-that-risk-your-financial-security" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_having_financial_problems_0.jpg" alt="Woman having financial problems" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you consistently spend more than you make? Do you go on shopping sprees to celebrate a raise or to soothe your disappointment at not getting a promotion? Maybe you're constantly charging gadgets or shoes you don't need to your credit card, telling yourself that you'll start whacking away at debt <em>tomorrow</em>.</p> <p>These are all dangerous behaviors that can damage your financial health. And what's worse, many times we don't even realize how much damage these bad habits are inflicting on our bank accounts.</p> <p>We all have bad habits. But the key lies in preventing them from turning into missed credit card payments, huge mounds of debt, and low credit scores. Here are four behaviors that could be damaging your financial health.</p> <h2>You're impulsive</h2> <p>Do you give into temptation whenever you see a dessert, even though you've sworn off sweets? Do you immediately purchase that trinket that catches your eye in the check-out lane? You might be a bit impulsive. Impulsive people struggle with discipline, and that can be a real challenge when it comes to building healthy finances.</p> <p>Here's another example: Instead of waiting a few months to save up enough money to pay for a new laptop, you run out to the store to buy it with your credit card. Now you've added hundreds of dollars to your credit card debt. And this new debt comes with high interest. If you can't pay off your credit card balances in full each month, you'll end up paying much more for that laptop than you would have if you'd simply saved the money first.</p> <p>How can you beat impulsive spending behavior? Create a monthly household budget. Look carefully at how much money you have left over to spend on extras. If the purchase you're dying to make doesn't fit into the money you have to spend, hold off on purchasing it. And if you do dip into that slush pile, know that you won't be able to spend as much the rest of the month. (See also: <a href="http://www.wisebread.com/5-mental-biases-that-are-keeping-you-poor?ref=seealso" target="_blank">5 Mental Biases That Are Keeping You Poor</a>)</p> <h2>You celebrate, or commiserate, by spending</h2> <p>Did you earn a promotion at work? Did you get passed over for one? It might not matter. You might mark either occasion by spending a big chunk of money.</p> <p>Some of us spend as a way to soothe our feelings when we're upset, to celebrate when we're glad, or both. This can become a big financial problem when these spending bouts bust your budget.</p> <p>Learn to recognize what feelings trigger your spending urges. Find some other way to celebrate or soothe your emotions. This could mean calling a friend, exercising, or journaling. If you just want to escape, try watching a fun TV series or reading a good book. Don't let shopping be the only way you deal with emotional swings. (See also: <a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys?ref=seealso" target="_blank">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a>)</p> <h2>You let your spending swell as your economic situation improves</h2> <p>What should you do if you get a raise at work? The best financial answer is to take that extra money and use it to boost your savings or pay down high-interest credit card debt. Unfortunately, many of us instead start spending more.</p> <p>We get a raise and we automatically raise our lifestyle to fit our new paycheck. Maybe we buy a more expensive car. We might start eating out more often. We might upgrade to a fancier TV or a top-of-the-line laptop. But don't start spending loads more just because you've gotten a raise. You'll never build your savings or improve your financial stability if you fall into this pattern.</p> <p>When you do get a raise, it's OK to loosen your belt a little with a few small luxuries that you budget for. But most of your new income should go to increasing the money you devote to savings or paying off credit card debt. (See also: <a href="http://www.wisebread.com/9-signs-youre-suffering-from-lifestyle-inflation?ref=seealso" target="_blank">9 Signs You're Suffering From Lifestyle Inflation</a>)</p> <h2>You put things off</h2> <p>Are you a procrastinator? This can be a challenging habit when you're trying to improve your finances. For example, you might decide to start paying extra toward your credit card debt but not until the next month starts. In the meantime, because you plan to make improvements the following month, you figure it doesn't matter what you do this month.</p> <p>The problem is, the extra money you give yourself permission to spend this month only makes your financial health that much worse. And for some people, next month never comes. They don't actually ever start making those extra payments.</p> <p>If you have a financial goal, <em>don't put it off</em>. Write it down in a location where you can see it every day. And don't give yourself permission to hold off on tackling it. If you keep procrastinating, you'll simply build up more debt that you'll have to tackle anyway. Why not get to it today? (See also: <a href="http://www.wisebread.com/7-biggest-ways-procrastination-hurts-your-finances?ref=seealso" target="_blank">7 Biggest Ways Procrastination Hurts Your Finances</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-behaviors-that-risk-your-financial-security&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Behaviors%2520That%2520Risk%2520Your%2520Financial%2520Security.jpg&amp;description=4%20Behaviors%20That%20Risk%20Your%20Financial%20Security"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Behaviors%20That%20Risk%20Your%20Financial%20Security.jpg" alt="4 Behaviors That Risk Your Financial Security" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/4-behaviors-that-risk-your-financial-security">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/11-money-habits-that-make-you-look-financially-immature">11 Money Habits That Make You Look Financially Immature</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-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</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-money-saving-strategies-that-are-actually-hurting-you">25 Money-Saving Strategies That Are Actually Hurting You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-signs-youre-no-longer-a-personal-finance-rookie">10 Signs You&#039;re No Longer a Personal Finance Rookie</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-youre-bad-at-money-and-how-to-fix-it-asap">8 Reasons You&#039;re Bad at Money — And How to Fix It ASAP</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bad habits behaviors debt impulse buys lifestyle creep procrastinating shopping Spending Money Thu, 08 Feb 2018 09:30:05 +0000 Dan Rafter 2096589 at http://www.wisebread.com Why New Purchases On a Balance Transfer Card Can Cost You http://www.wisebread.com/why-new-purchases-on-a-balance-transfer-card-can-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-new-purchases-on-a-balance-transfer-card-can-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/scoring_on_some_big_deals_online.jpg" alt="Scoring on some big deals online" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So, you racked up some holiday debt and want to use a balance transfer to dig yourself out. Since many <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">balance transfer credit cards</a> offer 0% APR for 12-21 months &mdash; and some even come without a balance transfer fee &mdash; your strategy makes sense.</p> <p>After you transfer your credit card balances to your new balance transfer card, you'll have the length of your card's introductory offer period to pay down debt with no interest charges. (See also: <a href="http://www.wisebread.com/step-by-step-guide-to-doing-a-balance-transfer-on-credit-cards?ref=seealso" target="_blank">How to Do a Balance Transfer, Step by Step</a>)</p> <p>Of course, it's always wise to weigh the pros and cons &mdash; and the costs &mdash; of these offers. The most common cost is the balance transfer fee. While a <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=internal" target="_blank">few cards charge no balance transfer fees</a>, most do. A typical a balance transfer fee is 3%-5% of your balance. So for every $5,000 you transfer, you'll fork over $150&ndash; $250 in the form of an upfront fee. (See also: <a href="http://www.wisebread.com/your-comprehensive-checklist-for-a-successful-balance-transfer?ref=seealso" target="_blank">Comprehensive Checklist to Doing a Balance Transfer</a>)</p> <p>While the interest you'll save by transferring your balance to a 0% APR card can make paying this fee well worth it, you should still do the math when evaluating <a href="http://www.wisebread.com/is-a-balance-transfer-offer-a-good-deal?ref=internal" target="_blank">whether a balance transfer is the right move for you</a>.</p> <h2>Why you shouldn't use a balance transfer credit card for purchases</h2> <p>But there's another savings killer to be aware of. Using your balance transfer card for new purchases is one of the <a href="http://www.wisebread.com/8-most-common-mistakes-when-doing-a-balance-transfer-to-eliminate-debt?ref=internal" target="_blank">most common balance transfer mistakes</a> people make. Do so, and you could wind up paying a lot of interest in ways you wouldn't imagine.</p> <p>Here are a few facts to consider as you transfer a balance and decide how and when to use your new credit card.</p> <h3>You're adding to the very balance you're trying to pay off</h3> <p>The top reason not to use your balance transfer card for purchases is because that's working against your goals. If you transferred a balance to pay down debt, using your card for purchases is a lot like emptying buckets of water from a boat with holes. The more water you throw out (monthly payments), the more water (debt) seeps right back in through the holes. And you may even find that you pay down debt much more slowly than you rack it up.</p> <p>The best way to get the most out of a balance transfer is to get 0% APR for as long as you can, minimize fees, and then stop racking up more debt. Focus your efforts on becoming debt-free and stick to cash or debit for a while.</p> <h3>Your payment may not go toward purchases, but instead to your transferred balance</h3> <p>Let's say you transfer a $5,000 balance to a card that offers 0% APR on that balance for 15 months, but charges 16% APR on new purchases. Once you get the card in the mail, you use it to buy a $500 lounge chair for your living room.</p> <p>At this point, you have a balance of $5,500, and a minimum payment of $165 (3% of your balance, which is a common way banks use to calculate your minimum payment). The good news is, because of the Credit Card Act of 2009, anything <em>over</em> your minimum payment must go toward whatever balance has the highest interest rate. The bad news is, your minimum payment can go toward the balance with the lowest interest rate.</p> <p>In this case, your $165 payment would go toward your 0% APR balance and your $500 purchase will start racking up interest at a rate of 16% APR. The only way to avoid this would be to pay your minimum payment, plus the entire balance you've charged, <em>plus any interest you've accrued on the new purchase balance.</em></p> <h3>You may not get a grace period</h3> <p>But why would you have interest on your account if you made a purchase with a 0% APR credit card?</p> <p>While a lot of consumers don't realize this, carrying a balance on your credit card means forgoing your grace period &mdash; the amount of time you have to pay your credit card in full without paying interest. Grace periods must be at least 21 days by law, so you have at least 21 days to avoid all interest charges on regular purchases <em>provided</em> you don't carry a balance.</p> <p>When you transfer a balance to a new credit card, however, you <em>are</em> carrying a balance. That means forgoing your grace period altogether on new purchases. You'll start accruing interest on purchases you make with your balance transfer card from the moment you make them. (See also: <a href="http://www.wisebread.com/everything-you-didn-t-understand-about-credit-card-interest-grace-periods-and-penalty-aprs?ref=seealso" target="_blank">Everything You Didn't Understand About Credit Card Interest, Grace Periods, and Penalty APRs</a>)</p> <h2>The right way to use a balance transfer credit card</h2> <p>The bottom line: Using a balance transfer credit card for purchases can be a risky endeavor. Generally speaking, it means racking up interest without a grace period. And obviously, things could easily get worse in a hurry if you can't pay your minimum payment plus your entire purchase balance off right away.</p> <p>That's why you're better off not using a balance transfer card for purchases. Transfer your balance to the 0% APR card, then focus on <a href="http://www.wisebread.com/7-easy-first-steps-to-paying-off-debt?ref=internal" target="_blank">paying off debt</a> instead of charging up a bigger balance. Or, at the very least, make sure you get a 0% APR credit card that offers zero interest on both balance transfers <em>and </em>purchases. Cards like this do exist, so if you really need to, make sure you're applying for one of those. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=seealso" target="_blank">Best Credit Cards with 0% APR for Purchases</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhy-new-purchases-on-a-balance-transfer-card-can-cost-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhy%2520New%2520Purchases%2520On%2520a%2520Balance%2520Transfer%2520Card%2520Can%2520Cost%2520You.jpg&amp;description=Why%20New%20Purchases%20On%20a%20Balance%20Transfer%20Card%20Can%20Cost%20You"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Why%20New%20Purchases%20On%20a%20Balance%20Transfer%20Card%20Can%20Cost%20You.jpg" alt="Why New Purchases On a Balance Transfer Card Can Cost You" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/why-new-purchases-on-a-balance-transfer-card-can-cost-you">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/step-by-step-guide-to-doing-a-balance-transfer-on-credit-cards">Step-by-Step Guide to Doing a Balance Transfer on Credit Cards</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-to-consider-before-making-a-big-purchase-for-rewards-points">6 Things to Consider Before Making a Big Purchase for Rewards Points</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/heres-what-a-balance-transfer-does-to-your-credit">Here&#039;s What a Balance Transfer Does to Your Credit</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-store-card-pitfalls-to-watch-out-for">5 Store Card Pitfalls to Watch Out for</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/your-comprehensive-checklist-for-a-successful-balance-transfer">Your Comprehensive Checklist for a Successful Balance Transfer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards balance transfer balance transfer card credit card tips shopping shopping tips Tue, 30 Jan 2018 09:30:08 +0000 Holly Johnson 2095897 at http://www.wisebread.com The 5 Best Smart Locks http://www.wisebread.com/the-5-best-smart-locks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-smart-locks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smart_door_lock_469411262.jpg" alt="Man using best smart lock on front door" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With a smart lock, your smartphone can become your new smart key. With this lock of the future, you can remotely lock and unlock your door and even permit or forbid visitors from entering your property.</p> <h2>What is a smart lock?</h2> <p>A smart lock is an electromechanical lock that can be controlled remotely via your smartphone. These are especially ideal for anyone who tends to lose their keys. (See also: <a href="http://www.wisebread.com/the-5-best-door-locks?ref=seealso" target="_blank">The 5 Best Door Locks</a>)</p> <h2>Top 5 smart locks</h2> <h3>August Smart Lock</h3> <p><a href="http://amzn.to/2qhTcEu" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/august.jpg" width="245" height="234" align="right" alt="" /></a>With the <a href="http://amzn.to/2qhTcEu" target="_blank">August Smart Lock 2nd Generation</a>, you can control access to your home through your smartphone, so you can grant or restrict access from anywhere. It features virtual keys, automatic locking and unlocking, and activity tracking and notifications. It replaces only the interior of a standard deadbolt, so your exterior door hardware will stay the same. It works with Amazon Alexa, Apple HomeKit, and the Google Assistant for voice control, and Low Energy Bluetooth (LEB) syncs the lock to your smartphone.</p> <p>This includes mounting plate(s), three lock adapters, and four AA batteries. The popular, widely-compatible lock is available in two colors and is easy to install. It is recommended by CNET, The Wirecutter, PC Mag, Gizmodo, Tom's Guide, San Francisco Chronicle, and USA Today. It also has more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2qhTcEu" target="_blank"><em>Currently $113.00 on Amazon</em></a></p> <h3>Kwikset Kevo Touch-to-Open Bluetooth Smart Lock</h3> <p><a href="http://amzn.to/2Ckkewk" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kwikset.jpg" width="241" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2Ckkewk" target="_blank">Kwikset Kevo Touch-to-Open Bluetooth Smart Lock</a> can be powered by your smartphone so you never have to worry about losing your keys again. The ANSI Grade 2, BHMA Certified lock has SmartKey security, InHome Locking and Unlocking, user activity tracking and notifications, eKeys, multiple levels of encryption, and other advanced security features to better protect your property.</p> <p>This works with most smartphones, Android Wear devices, Apple watch, Amazon Alexa, and more. It's available in three color options, includes two keys and four AA batteries, and is easy to install. It is recommended by CNET, Tom's Guide, PC Mag, San Francisco Chronicle, The Wirecutter, and USA Today. It's also backed by a lifetime mechanical and finish warranty and a one-year electronic warranty. While it isn't as frequently recommended, the <a href="http://amzn.to/2E3rQnr" target="_blank">Kwikset Kevo (1st Gen) Touch-to-Open Bluetooth Smart Lock</a> has better customer reviews on Amazon and costs less.</p> <p><a href="http://amzn.to/2Ckkewk" target="_blank"><em>Currently $179.99 on Amazon</em></a></p> <h3>Schlage Connect CAM 619 Touch-screen Deadbolt</h3> <p><a href="http://amzn.to/2E2BDdu" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/schlage.jpg" width="226" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2E2BDdu" target="_blank">Schlage Connect CAM 619 Touch-screen Deadbolt</a> senses vibrations at the door to trigger an alarm before someone breaks in. There are three alert modes (activity, tamper, and forced entry) to help prevent potential security threats. The BHMA/ANSI Grade 1 certified lock features home monitoring alerts, low-battery indicator, and can be set up with 30 unique entry codes. The illuminated, fingerprint-resistant touch-screen keypad protects against smudges and ensures intruders can't detect numbers. Z-wave technology also allows you to remotely lock or unlock the door from anywhere.</p> <p>This works with Amazon Alexa for voice control and includes a backup key and four AA batteries. It's available in a range of color options and is easy to install. It is recommended by CNET, Tom's Guide, PC Mag, The Wirecutter, and USA Today. It also has more than 2,000 five-star reviews on Amazon. <a href="http://amzn.to/2Aiv3x5" target="_blank">Schlage Sense Smart Deadbolt with Century Trim Satin Nickel</a> is another frequently recommended option from the brand.</p> <p><a href="http://amzn.to/2E2BDdu" target="_blank"><em>Currently $179.00 on Amazon</em></a></p> <h3>Yale Real Living Keyless Touchscreen Deadbolt</h3> <p><a href="http://amzn.to/2qk0nvB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/yale.jpg" width="117" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2qk0nvB" target="_blank">Yale Real Living Keyless Touchscreen Deadbolt</a> has a modern design and backlit touch-screen keypad. The tamper-resistant lock offers auto relock and one-touch locking, remote unlocking, voice-guided programming, privacy mode, tamper/low battery alarms, and history tracking and notifications. The fully motorized, tapered, weather-protected deadbolt features Z-Wave wireless technology, so you can monitor your home from anywhere. It also stores up to 250 unique pin codes so you can share them with family and friends.</p> <p>This works with Amazon Alexa for voice control and comes with two backup keys. It's available in three color options and is easy to install. This award-winning version and the <a href="http://amzn.to/2CBkJ9y" target="_blank">Yale Key Free Touchscreen Deadbolt version</a> are recommended by CNET, PC Mag, San Francisco Chronicle, Tom's Guide, USA Today, and Digital Trends. It's also backed by a lifetime warranty for finish and mechanics.</p> <p><a href="http://amzn.to/2qk0nvB" target="_blank"><em>Currently $199.85 on Amazon</em></a></p> <h3>Samsung Ezon Keyless Smart Universal Deadbolt Digital Door Lock</h3> <p><a href="http://amzn.to/2Cl4cSY" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/samsung_0.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2Cl4cSY" target="_blank">Samsung Ezon Keyless Smart Universal Deadbolt Digital Door Lock</a> has multi-leveled security code entry for enhanced safety. It also features a touch pad screen, automatic lock options, anti-theft mode, burglar alarm and fire detection sensor, low battery warning signal, and 9V battery backup. The adjustable universal latch fits most residential and commercial doors. This is frequently recommended online and has outstanding reviews.</p> <p><a href="http://amzn.to/2Cl4cSY" target="_blank"><em>Currently $179.99 on Amazon</em></a></p> <p>And those are our recommendations for the best smart locks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <p>&nbsp;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-smart-locks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Smart%2520Locks.jpg&amp;description=The%205%20Best%20Smart%20Locks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Smart%20Locks.jpg" alt="The 5 Best Smart Locks" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-smart-locks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-home-security-systems">The 5 Best Home Security Systems</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-5-best-reusable-straws">The 5 Best Reusable Straws</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-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</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-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-toilet-papers">The 5 Best Toilet Papers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping 5 best home locks home security locks product reviews shopping smart locks Thu, 04 Jan 2018 09:00:07 +0000 Andrea Cannon 2082609 at http://www.wisebread.com 7 Fastest Ways to Recover From Holiday Overspending http://www.wisebread.com/7-fastest-ways-to-recover-from-holiday-overspending <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-fastest-ways-to-recover-from-holiday-overspending" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/busy_santa_woman.jpg" alt="Busy Santa woman" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Consumers said they planned to spend an average $967 during the 2017 holiday season, according to research from the National Retail Federation and Prosper Insights &amp; Analytics.</p> <p>That's a lot of money, and you can bet that plenty of holiday shoppers blew their budgets in the process. But here's some good news: Even if you were overly generous this season, you can take steps to recover financially from all that holiday overspending. (See also: <a href="http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season?ref=seealso" target="_blank">8 Secrets to a Debt-Free Holiday Season</a>)</p> <h2>1. Return what you don't want</h2> <p>If you were generous with others this holiday season, they might have been equally generous with you. This means you might have plenty of holiday gifts sitting around &mdash; maybe some gifts you don't even want or need.</p> <p>If you have the receipts, by all means, return them. Hopefully, you can get cash in exchange. But even if you can't, you'll probably be able to turn your unwanted gifts into store credit. You can then shop at that store on someone else's dime without dipping into your own wallet.</p> <p>Don't worry about hurting someone's feelings here. The main point is to get back on your feet financially, and every little bit helps. (Besides, you don't have to tell Aunt Julia that you aren't going to wear that sweater.)</p> <h2>2. Use those gift cards</h2> <p>The odds are high that you received gift cards this year. The National Retail Federation estimated that 2017 holiday shoppers each planned to purchase around four gift cards with an average value of $45 per card.</p> <p>Too many people throw them in a drawer or tuck them in a wallet and then forget about them. If you got gift cards, <em>use them</em>. Again, these handy cards will let you purchase clothing, electronics, or restaurant meals without you having to spend your own cash. Then, send the dollars you're saving on those splurges toward paying down credit card or other high-interest debt. (See also: <a href="http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash?ref=seealso" target="_blank">How to Turn Unwanted Gift Cards Into Cash</a>)</p> <h2>3. Pay more than the minimum on your credit cards</h2> <p>You might not want to think about credit card debt right after the holidays, but it's important to not ignore it. Whatever you do, don't only make the minimum required payment. If you do, it can take you years, and cost loads of interest, to pay off that debt.</p> <p>Say you owe $7,000 on a credit card with an interest rate of 18 percent. If you make the 4 percent minimum required payment each month, it will take you 147 months &mdash; or more than 12 years &mdash; to pay off that debt. You'll also pay a total of more than $11,000 on the card. And that assumes you don't make any additional purchases with it.</p> <p>Your goal is to pay off <em>more</em> than the minimum every month. Otherwise, you'll be paying off those holiday mittens and scarves for years. (See also: <a href="http://www.wisebread.com/dealing-with-post-holiday-credit-card-debt?ref=seealso" target="_blank">Dealing With Post-Holiday Credit Card Debt</a>)</p> <h2>4. Stop adding to your debt</h2> <p>Of course, you'll struggle to ever pay off your holiday debt if you don't first stop adding to it. Make a resolution to stop using your credit cards to pay for items. Instead, use your debit cards or cash for your purchases.</p> <p>This will require planning, and maybe a bit of sacrifice. You might have to wait to buy that new laptop until you've saved up enough to pay for it in cash. But you'll be thankful as you watch that credit card debt steadily disappear.</p> <h2>5. Start an emergency fund</h2> <p>If you've resolved to pay down your holiday debt, you'll need savings. What if your water heater bursts or your car conks out? If you don't have any money saved up, you'll have to put those repairs on your credit cards, adding more to your debt levels.</p> <p>A better move is to start creating an emergency fund. As the name suggests, an emergency fund is a stash of cash that you stow in a safe place, like a savings account. You withdraw from the fund to cover any unexpected emergencies.</p> <p>You'll eventually want an emergency fund that has from six months' to a year's worth of daily living expenses in it. That may sound intimidating, but you can start slowly. By investing at least $200 a month in an emergency fund, you'll have $2,400 by the time a year passes. (See also: <a href="http://www.wisebread.com/7-easy-ways-to-build-an-emergency-fund-from-0?ref=seealso" target="_blank">7 Easy Ways to Build an Emergency Fund From $0</a>)</p> <h2>6. Make some sacrifices</h2> <p>The more money you have to devote to your holiday debt, the better. Start the new year by cutting back on unnecessary expenses. All those trips to restaurants and the movies add up. If you cut down on your discretionary spending, you might have $200 or more extra each month to put toward reducing your holiday debt.</p> <h2>7. Get in selling mode</h2> <p>Maybe you received plenty of stuff during the holiday season &mdash; you might even have too much stuff. If so, sell some of it off, either online or through a yard sale. The extra money you make by selling a Crock-Pot or tablet that you no longer need can bring in some much-needed extra cash that you can use to pay down that mountain of debt.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-fastest-ways-to-recover-from-holiday-overspending&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Fastest%2520Ways%2520to%2520Recover%2520From%2520Holiday%2520Overspending.jpg&amp;description=7%20Fastest%20Ways%20to%20Recover%20From%20Holiday%20Overspending"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Fastest%20Ways%20to%20Recover%20From%20Holiday%20Overspending.jpg" alt="7 Fastest Ways to Recover From Holiday Overspending" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/7-fastest-ways-to-recover-from-holiday-overspending">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/13-financial-gifts-to-give-yourself-this-holiday-season">13 Financial Gifts to Give Yourself This Holiday Season</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-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-tidy-up-your-finances-before-the-holidays">10 Ways to Tidy Up Your Finances Before the Holidays</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-bounce-back-from-your-holiday-splurge">How to Bounce Back From Your Holiday Splurge</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season">8 Secrets to a Debt-Free Holiday Season</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bouncing back Christmas credit card debt emergency funds gifts Holidays overspending returns shopping Tue, 02 Jan 2018 10:00:06 +0000 Dan Rafter 2070211 at http://www.wisebread.com The 5 Best Swim Goggles for Adults http://www.wisebread.com/the-5-best-swim-goggles-for-adults <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-swim-goggles-for-adults" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_swimming_goggles_622193794.jpg" alt="Woman using best swim goggles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Swim goggles can enhance your swimming experience, whether you're in a pool or swimming outdoors. They can keep water and condensation away from your eyes so you can see clearly both above and below water.</p> <h2>What are swim goggles?</h2> <p>Swim goggles enclose and protect the area around the eyes, making them a must-have item for both beginner and expert swimmers. When you're shopping for swim goggles, you'll want to find something that provides great clarity, a comfortable fit, and anti-fog capabilities.</p> <h2>Top 5 swim goggles for adults</h2> <h3>Aqua Sphere Kayenne Swim Goggle</h3> <p><a href="http://amzn.to/2krP7ep" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aqua%20sphere.jpg" width="245" height="125" align="right" alt="" /></a>The <a href="http://amzn.to/2krP7ep" target="_blank">Aqua Sphere Kayenne Swim Goggles</a> feature curved, oversized Plexisol lens for a 180-degree wide field of vision, quick-fit push button buckle system, expanded visibility, and minimal visual distortion. The anti-fog, anti-scratch, leakproof lenses provide UV protection. They work in any lighting condition and can block glare on the water. The one-piece, hydrodynamic, super slim microframe is made of hypoallergenic Softeril and has a comfortable medium eye fit with easy adjustments and a comfortable silicone strap.</p> <p>These are available in various color and lens options. The Amazon best-sellers are recommended by The Wirecutter and Shape Magazine, and have more than 3,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2krP7ep" target="_blank"><em>Currently $20.32 on Amazon</em></a></p> <h3>Aegend Clear Swimming Goggles</h3> <p><a href="http://amzn.to/2BCMGZB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aegend.jpg" width="245" height="243" align="right" alt="" /></a>Amazon's Choice for swim goggles for adults, the <a href="http://amzn.to/2BCMGZB" target="_blank">Aegend Clear No Leaking Anti-Fog UV Protection Triathlon Swim Goggles</a> come with a free protective case. The premium anti-fog, shatterproof, no-leak lenses come with UV protection. It has a 3D ergonomic design, flexible silicone frame and gasket, double-deck seal design, and easy-strap buckle. The light blue and clear lens offer better clarity.</p> <p>These are backed by a hassle-free 12-month guarantee and more than 3,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2BCMGZB" target="_blank"><em>Currently $12.99 on Amazon</em></a></p> <h3>Speedo Vanquisher 2.0 Mirrored Swim Goggle</h3> <p><a href="http://amzn.to/2B3sZhB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/speedo.jpg" width="245" height="124" align="right" alt="" /></a>The <a href="http://amzn.to/2B3sZhB" target="_blank">Speedo Vanquisher 2.0 Mirrored Swim Goggles</a> includes soft silicone eye seals and interchangeable, adjustable nosepieces so you can achieve a custom fit. The anti-fog lenses offer UV protection and prevent water condensation for better clarity. The mirrored lens coating helps reduce glare. They have a snug, low profile inner eye fit and two-tone silicone double head strap for a better fit.</p> <p>These are available in a range of colors. The Amazon best-sellers are recommended by Shape Magazine and have more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2B3sZhB" target="_blank"><em>Currently $16.99 on Amazon</em></a></p> <h3>i SWIM PRO Swimming Goggles</h3> <p><a href="http://amzn.to/2jjRV9O" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iswim.jpg" width="245" height="183" align="right" alt="" /></a>The <a href="http://amzn.to/2jjRV9O" target="_blank">i SWIM PRO Swimming Goggles</a> have a comfortable fit thanks to soft silicone gaskets, flexible nose pieces, and a quick release clasp. The anti-fog, anti-shatter lenses offer UV protection, crystal clear vision, and 180-degree vision. They're also watertight and easy to adjust.</p> <p>The Amazon best-sellers are built to last. They're available in a number of colors and come with a strong protective case and free nose clip and ear plugs. They are backed by more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jjRV9O" target="_blank"><em>Currently $11.97 on Amazon</em></a></p> <h3>U-FIT Performance Swimming Goggles</h3> <p><a href="http://amzn.to/2kqQmu0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ufit.jpg" width="245" height="225" align="right" alt="" /></a>The <a href="http://amzn.to/2kqQmu0" target="_blank">U-FIT Performance Non-Leaking Anti-Fog UV Protection Triathlon Swim Goggles</a> have a double layer seal and offer 180-degree wide vision. The 3D memory silicone goggles have a quick release strap for easy adjustments. The anti-fog, anti-shatter lenses have UV protection and offer better clarity.</p> <p>These are available in two colors and include ear and nose plugs and a protection case. They're backed by a satisfaction guarantee and more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kqQmu0" target="_blank"><em>Currently $18.99 on Amazon</em></a></p> <p>And those are our recommendations for the best swim goggles for adults. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-swim-goggles-for-adults&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Swim%2520Goggles%2520for%2520Adults.jpg&amp;description=The%205%20Best%20Swim%20Goggles%20for%20Adults"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Swim%20Goggles%20for%20Adults.jpg" alt="The 5 Best Swim Goggles for Adults" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-swim-goggles-for-adults">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</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-5-best-beach-umbrellas">The 5 Best Beach Umbrellas</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-rain-jackets-for-men">The 5 Best Rain Jackets for Men</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-eye-masks">The 5 Best Eye Masks</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-white-noise-machines">The 5 Best White Noise Machines</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best goggles product reviews shopping swim goggles swimming Wed, 06 Dec 2017 09:00:09 +0000 Andrea Cannon 2067669 at http://www.wisebread.com The 5 Best Travel Towels http://www.wisebread.com/the-5-best-travel-towels <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-travel-towels" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_kids_towels_168445865.jpg" alt="Family using best travel towels" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Nobody wants to lug around a wet, heavy towel when they're traveling. Instead, take advantage of a travel towel that allows you to quickly dry off anywhere, without the hassle. They also tend to be sand-resistant, making them ideal for the beach or your next camping or hiking trip.</p> <h2>What is a travel towel?</h2> <p>A packable travel towel is designed to be easy for backpackers, campers, and travelers to carry around. If you're looking for the perfect travel towel, you'll want to find something that is lightweight, compact, and can dry quickly.</p> <h2>Top 5 travel towels</h2> <h3>Personal Packtowl</h3> <p><a href="http://amzn.to/2AkuvbC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/packtowl.jpg" width="245" height="133" align="right" alt="" /></a>The <a href="http://amzn.to/2AkuvbC" target="_blank">Personal Packtowl</a> soaks up to four times its weight in water and then wrings out almost completely dry. It's lightweight, durable, ultracompact, and dries nearly 70 percent faster than cotton towels. It's made of a tough, yet ultrasoft microfiber blend and an odor control treatment that keeps it fresh and makes it last longer. The best-selling microfiber towel comes with its own storage pouch and is available in a wide range of colors and sizes. It's machine washable and has a convenient snap loop for hang drying. It's also recommended by The Wirecutter.</p> <p><a href="http://amzn.to/2AkuvbC" target="_blank"><em>Currently $13.95 on Amazon</em></a></p> <h3>Sea to Summit DryLite Towel</h3> <p><a href="http://amzn.to/2kciZeF" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sea%20to%20summit_0.jpg" width="187" height="245" align="right" alt="" /></a>The antibacterial <a href="http://amzn.to/2kciZeF" target="_blank">Sea to Summit DryLite Towel</a> is compact, lightweight, and made from a durable synthetic fiber with an ultrasoft suede finish. The absorbent microfiber towel is quick-drying and has a hang loop for even faster drying. It's machine washable and available in a wide range of colors and sizes. It's also recommended by Travel Gear Zone and has more than 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kciZeF" target="_blank"><em>Currently $19.95 on Amazon</em></a></p> <h3>WildHorn Outfitters Microlite Microfiber Quick Dry Travel Towel</h3> <p><a href="http://amzn.to/2jwMTX2" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wildhorn.jpg" width="245" height="182" align="right" alt="" /></a>This durable set includes three compact, lightweight <a href="http://amzn.to/2jwMTX2" target="_blank">WildHorn Outfitters Microlite Microfiber Quick Dry Travel Towels</a>. The ultrasoft, plush microfiber material can hold up to four times its weight in water and dries up to 10 times faster than cotton towels. Each towel includes a mesh carrying case and hang loops for quicker drying. The set is recommended by Travel Gear Zone and has more than 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jwMTX2" target="_blank"><em>Currently $23.99 on Amazon</em></a></p> <h3>Youphoria Sport Microfiber Multipurpose Travel Towel</h3> <p><a href="http://amzn.to/2nfrvKJ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/youphoria_0.jpg" width="191" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2nfrvKJ" target="_blank">Youphoria Sport Microfiber Multipurpose Travel Towel</a> is ultra-absorbent and dries quickly. It's the perfect travel towel because it's lightweight, compact, and ultrasoft. It's available in a wide range of colors and sizes, and includes a mesh carry bag and hanging loop for easy drying. It has over 1,000 five-star reviews on Amazon and is backed by a satisfaction guarantee.</p> <p><a href="http://amzn.to/2nfrvKJ" target="_blank"><em>Currently $15.99 on Amazon</em></a></p> <h3>Microfiber Towel by Rainleaf</h3> <p><a href="http://amzn.to/2kciP6J" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/rainleaf.jpg" width="245" height="207" align="right" alt="" /></a>The <a href="http://amzn.to/2kciP6J" target="_blank">Microfiber Towel by Rainleaf</a> is fast drying, ultra-absorbent, thin, lightweight, and compact. The antibacterial towel is made of ultrasoft microfiber that feels like suede. It also includes a corner zip pocket, mesh carrying bag, and hang snap loops for easy drying. It's available in a wide range of colors and sizes, is recommended by The Wirecutter, and backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2kciP6J" target="_blank"><em>Currently $9.89 on Amazon</em></a></p> <p>And those are our recommendations for the best travel towels. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-travel-towels&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Travel%2520Towels%2520%25281%2529.jpg&amp;description=The%205%20Best%20Travel%20Towels"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Travel%20Towels%20%281%29.jpg" alt="The 5 Best Travel Towels" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-travel-towels">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-travel-adapters">The 5 Best Travel Adapters</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-5-best-luggage-scales">The 5 Best Luggage Scales</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-binoculars">The 5 Best Binoculars</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-emergency-kits">The 5 Best Emergency Kits</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-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Travel 5 best camping towels product reviews shopping towels travel accessories travel towels Thu, 30 Nov 2017 09:00:10 +0000 Andrea Cannon 2064064 at http://www.wisebread.com The 5 Best Touch Screen Gloves http://www.wisebread.com/the-5-best-touch-screen-gloves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-touch-screen-gloves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/touchscreen_gloves_winter_638405876.jpg" alt="Wearing the best touch screen gloves during the winter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Gone are the days of freezing your fingertips off just to check your phone. With the right winter gear, you can interact with your favorite devices without ever having to remove your gloves.</p> <h2>What are touch screen gloves?</h2> <p>Touch screen gloves are tech-friendly gloves made with conductive fibers that replicate the effect of fingers on a touch screen. This means you won't have to brave the elements just to check your latest text.</p> <h2>Top 5 touch screen gloves</h2> <h3>Agloves Sport Touch Screen Gloves</h3> <p><a href="http://amzn.to/2idi78V" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/agloves.jpg" width="219" height="245" align="right" alt="" /></a>The lightweight, breathable <a href="http://amzn.to/2idi78V" target="_blank">Agloves Sport Touch Screen Gloves</a> provide 10-finger functionality for easier use. They're compatible with all touch screen devices including smartphones, cameras, tablets, multimedia devices, and gaming systems. The thick, stretchy gloves are made with real silver for better conductivity and heat trapping. The stylish, award-winning design features snug-fitted cuffs to seal the wind out, while acrylic fabric helps draw moisture away from the body.</p> <p>These are hand washable and available in a wide range of colors and sizes. The top-rated gloves are recommended by Lifehacker and Tom's Guide. The <a href="http://amzn.to/2Ae7hWB" target="_blank">Agloves Unisex Sport Touchscreen Gloves</a> and <a href="http://amzn.to/2ih19qj" target="_blank">Agloves Touch Screen Gloves For iPhone, iPad, Galaxy, Touch Screen Devices</a> are other trusted options from the brand.</p> <p><a href="http://amzn.to/2idi78V" target="_blank"><em>Currently $11.99 on Amazon</em></a></p> <h3>GliderGlove Copper Infused Touch Screen Gloves</h3> <p><a href="http://amzn.to/2ndCPHz" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/gliderglove.jpg" width="213" height="245" align="right" alt="" /></a>The cutting-edge <a href="http://amzn.to/2ndCPHz" target="_blank">GliderGlove Copper Infused Touch Screen Gloves</a> are a bit thinner, so they're ideal for warmer temperatures. They're double lined for greater warmth and feature a soft-brushed interior and stylish brimmed cuff. Copper-based conductive yarns are interwoven into the entire surface of each double-insulated glove so you can use the whole hand to easily control the screen. They also have anti-slip grip dots on the palms for better grip.</p> <p>These work with smartphones and tablets. They're available in various sizes and styles. They're recommended by Lifehacker, The Wirecutter, and Gizmodo.</p> <p><a href="http://amzn.to/2ndCPHz" target="_blank"><em>Currently $17.99 on Amazon</em></a></p> <h3>The North Face Unisex Etip Glove</h3> <p><a href="http://amzn.to/2Ah5UqQ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/the%20north%20face.jpg" width="245" height="230" align="right" alt="" /></a>The <a href="http://amzn.to/2Ah5UqQ" target="_blank">North Face Unisex Etip Gloves</a> are a bit thinner, so they're ideal for warmer temperatures. They can help keep hands in their natural position for optimal comfort. The four-way stretch fleece gloves have a snug fit thanks to five-dimensional sizing. They have Etip functionality and full palm conductivity for optimal usage.</p> <p>These are available in a wide range of colors and sizes. They're recommended by Lifehacker, The Wirecutter, and Gizmodo.</p> <p><a href="http://amzn.to/2Ah5UqQ" target="_blank"><em>Currently $34.42 on Amazon</em></a></p> <h3>Glove.ly Cozy Touch Screen Gloves</h3> <p><a href="http://amzn.to/2ih7hyQ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/glovely.jpg" width="245" height="215" align="right" alt="" /></a>The stylish <a href="http://amzn.to/2ih7hyQ" target="_blank">Glove.ly Cozy Touch Screen Gloves</a> are made of a premium wool blend and a special insulated lining for additional warmth and comfort. Invisitouch solid-colored fabric allows full hand usage while the microfiber care label allows you to conveniently clean your phone or glasses. Magnets are also hidden beneath the logo so you can keep your gloves together and don't have to risk losing them again.</p> <p>These are available in a range of colors and sizes. They're recommended by Lifehacker, PC World, and The Grommet.</p> <p><a href="http://amzn.to/2ih7hyQ" target="_blank"><em>Currently $15.00 on Amazon</em></a></p> <h3>Head Digital Sport Running Gloves</h3> <p><a href="http://amzn.to/2if5dYa" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/head.jpg" width="134" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2if5dYa" target="_blank">Head Digital Sport Running Gloves</a> are ideal athletic gloves because they offer a comfortable fit all the way through the fingers and a secure grip thanks to a silicon palm design. They're Sensatec Touchscreen Compatible and feature a sleek design with an extended cuff.</p> <p>These are available in two colors and a range of sizes. They're recommended by Lifehacker. The <a href="http://amzn.to/2ig2sFG" target="_blank">Head Multi-Sport Running Gloves with Sensatec</a> is another frequently recommended option from the brand.</p> <p><a href="http://amzn.to/2if5dYa" target="_blank"><em>Currently $12.87 on Amazon</em></a></p> <p>And those are our recommendations for the best touch screen gloves. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <p>&nbsp;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-touch-screen-gloves&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Touch%2520Screen%2520Gloves.jpg&amp;description=The%205%20Best%20Touch%20Screen%20Gloves"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Touch%20Screen%20Gloves.jpg" alt="The 5 Best Touch Screen Gloves" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-touch-screen-gloves">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/the-5-best-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-5-best-clothing-steamers">The 5 Best Clothing Steamers</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-compression-socks">The 5 Best Compression Socks</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-women-s-rain-boots">The 5 Best Women’s Rain Boots</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-rain-jackets-for-men">The 5 Best Rain Jackets for Men</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Style 5 best gloves product reviews shopping touch screen gloves winter gloves Wed, 29 Nov 2017 09:00:09 +0000 Andrea Cannon 2063376 at http://www.wisebread.com The 5 Best Sleeping Bags for Kids http://www.wisebread.com/the-5-best-sleeping-bags-for-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-sleeping-bags-for-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_sleeping_bags_462637749.jpg" alt="Kids using the best sleeping bags for kids" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Kids' sleeping bags are perfect for camping, sleepovers, and nights spent in the backyard. The right sleeping bag can be a portal to another world for kids, which is why we've found the very best ones available.</p> <h2>What is a sleeping bag for kids?</h2> <p>A sleeping bag is a cushioned, zippered pad that can be used as a bed and blanket. You'll want to find something that is warm, comfortable, and can provide the cushioning and insulation your little one needs to get a restful night's sleep. (See also: <a href="http://www.wisebread.com/the-5-best-sleeping-bags?ref=seealso" target="_blank">The 5 Best Sleeping Bags</a> and <a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads?ref=seealso" target="_blank">The 5 Best Camping Sleeping Pads</a>)</p> <h2>Top 5 sleeping bags for kids</h2> <h3>Coleman Plum Fun Youth Sleeping Bag</h3> <p><a href="http://amzn.to/2zXEkhx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coleman_5.jpg" width="245" height="225" align="right" alt="" /></a>Amazon's choice for sleeping bags for kids, the <a href="http://amzn.to/2zXEkhx" target="_blank">Coleman Plum Fun 45-Degree Youth Sleeping Bag</a> features a ZipPlow zipper for snag-free opening and closing, interior tuck pocket, a Roll Control system, ThermoTech insulation, and a Comfort Cuff design. It's machine washable and includes a stuff sack. It is available in two different colors, is frequently recommended online, and is backed by a five-year limited warranty.</p> <p><a href="http://amzn.to/2zXEkhx" target="_blank"><em>Currently $31.58 on Amazon</em></a></p> <h3>Kelty Big Dipper Kids Sleeping Bag</h3> <p><a href="http://amzn.to/2Bc3WW8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kelty.jpg" width="245" height="94" align="right" alt="" /></a>The <a href="http://amzn.to/2Bc3WW8" target="_blank">Kelty Big Dipper 30-Degree Kids Sleeping Bag</a> has an expandable foot section that lengthens the bag by 12 inches, so your child has room to grow. It features a soft layered, offset quilt construction, zipper draft tube with anti-snag, and cloud loft insulation. It's available in two colors, includes a stuff sack, and is recommended by The Wirecutter. <a href="http://amzn.to/2Bcwe31" target="_blank">The Kelty Woobie 30-Degree Kids Sleeping Bag</a> is also a commonly recommended option for toddlers.</p> <p><a href="http://amzn.to/2Bc3WW8" target="_blank"><em>Currently $55.97 on Amazon</em></a></p> <h3>TETON Sports Celsius Junior for Kids Sleeping Bag</h3> <p><a href="http://amzn.to/2zaUZv0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/teton_1.jpg" width="102" height="245" align="right" alt="" /></a>The sturdy, lightweight <a href="http://amzn.to/2zaUZv0" target="_blank">TETON Sports Celsius Junior for Kids Sleeping Bag</a> works in 20-degree temperatures. It features storage pockets, a curved hood, no-snag two-way zippers with metal pulls, and a full-length zipper baffle to reduce drafts. It's easy to pack, includes a drawstring stuff sack, and is available in various colors.</p> <p>This is made with the same materials as other best-selling TETON sleeping bags. It's nearly a foot longer than most kid's sleeping bags, so it should last longer. It's frequently recommended online and backed by a limited lifetime warranty.</p> <p><a href="http://amzn.to/2zaUZv0" target="_blank"><em>Currently $39.99 on Amazon</em></a></p> <h3>Wildkin Big Dots Pink Original Sleeping Bag</h3> <p><a href="http://amzn.to/2zdkdsN" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleeping%20bag.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2zdkdsN" target="_blank">Wildkin Big Dots Pink Original Sleeping Bag</a> is the perfect indoor-only sleeping bag. It features a super-soft cotton flannel interior and self-correcting zipper. It's naturally flame-resistant, lead-safe, BPA-free, phthalate-free, and free of chemicals. It includes a matching travel pillow with pillow case, storage tote, and elastic storage straps. The machine-washable sleeping bag is available in endless colors and designs. It's one of the top-rated items on Amazon and has hundreds of five-star reviews on Amazon. It's also backed by a one-year manufacturer's warranty.</p> <p><a href="http://amzn.to/2zdkdsN" target="_blank"><em>Currently $44.73 on Amazon</em></a></p> <h3>Wenzel Summer Camp Sleeping Bag</h3> <p><a href="http://amzn.to/2hRstuZ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wenzel.jpg" width="245" height="139" align="right" alt="" /></a>The <a href="http://amzn.to/2hRstuZ" target="_blank">Wenzel Summer Camp Sleeping Bag</a> features Insul-Therm nonallergenic fill for warmth in 40-degree temperatures. It has a self-repairing coil zipper and soft polyester outer fabric. It is available in various color options and includes a matching stuff sack. It is frequently recommended online, as are the <a href="http://amzn.to/2BaXUoG" target="_blank">Wenzel Moose Boys 40-Degree Sleeping Bag</a> and the <a href="http://amzn.to/2zae8Nx" target="_blank">Wenzel Backyard Girls 30-Degree Sleeping Bag</a>.</p> <p><a href="http://amzn.to/2hRstuZ" target="_blank"><em>Currently $20.79 on Amazon</em></a></p> <p>And those are our recommendations for the best sleeping bags for kids. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-sleeping-bags-for-kids&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Sleeping%2520Bags%2520for%2520Kids.jpg&amp;description=The%205%20Best%20Sleeping%20Bags%20for%20Kids"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Sleeping%20Bags%20for%20Kids.jpg" alt="The 5 Best Sleeping Bags for Kids" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-sleeping-bags-for-kids">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/the-5-best-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</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-5-best-camping-coffee-makers">The 5 Best Camping Coffee Makers</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-travel-adapters">The 5 Best Travel Adapters</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-emergency-kits">The 5 Best Emergency Kits</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-travel-towels">The 5 Best Travel Towels</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Travel 5 best camping accessories product reviews shopping sleeping bags sleeping bags for kids Wed, 22 Nov 2017 09:00:08 +0000 Andrea Cannon 2058749 at http://www.wisebread.com 3 Easy Ways to Improve Your Credit Score During the Holidays http://www.wisebread.com/3-easy-ways-to-improve-your-credit-score-during-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-easy-ways-to-improve-your-credit-score-during-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_woman_shopping_online_for_christmas.jpg" alt="Beautiful woman shopping online for Christmas" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're stuffing yourself with delicious turkey, putting up decorations, or just enjoying a well-deserved break, you're probably not thinking about your credit score much during the holidays. But even though it may not be fun, monitoring your credit score this time of year can help bring you closer to your financial New Year's resolutions or goals. Here are a few ways to give your credit score a much-needed boost during this holiday season.</p> <h2>Plan to make more purchases with cash</h2> <p>It's a myth that most people do their holiday shopping with credit cards. In 2016, Experian's Holiday Spending Survey found that 55 percent of respondents selected cash as their planned method of payment for holiday gifts. Spending with cash instead of credit cards is a smart move to prevent the potential debt cycle that the holidays can bring. Paying with cash instead of plastic will help keep your <a href="http://www.wisebread.com/this-one-ratio-is-the-key-to-a-good-credit-score?ref=internal" target="_blank">credit utilization ratio</a> low. This ratio compares total credit available to you with the amount of credit you have used. A low ratio means you do not use very much of your credit. Remember that your credit utilization ratio accounts for 30 percent of your credit score.</p> <h2>Apply for a credit card with a low APR</h2> <p>While cash is king, 47 percent of respondents were still planning to use credit cards for their holiday shopping last year. If you're planning on pulling out plastic for this holiday shopping season, you may want to pay a visit to your local credit union before you start swiping.</p> <p>According to data from the National Credit Union Administration, the average interest rate of a regular credit card from a credit union was 11.61 percent as of September 2017. At the same time, cards from banks came with an average rate of 12.96 percent. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=seealso" target="_blank">Best Low Interest Rate Credit Cards</a>)</p> <p>Let's assume that you were to spend $1,000 with a credit card and pay it all back in three months. With a 12.96 percent APR, you would have to make three monthly payments of $341. That's $23 in interest payments for that $1000. Another way to avoid interest charges on your holiday spending is to get a <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">card that offers 0% APR on purchases</a> for a promotional period.</p> <p>By paying less interest, you're more likely to make payments on time (which accounts for 35 percent of your credit score) and owe less to credit card lenders overall (which accounts for 30 percent of your credit score).</p> <p>However, the most important thing is you make a commit to pay off your holiday purchases, so that you're not still paying for it when the holidays roll around again.</p> <h2>Consolidate high-interest credit cards</h2> <p>Trying to reach the recommended 30 percent credit utilization ratio can feel like an overwhelming task when the majority of your monthly payment goes to cover high interest. One way to overcome this is to explore your options of consolidating balances of other cards with a personal line of credit or other type of financing.</p> <p>Credit unions also beat national banks with lower rates for personal lines of credit. As of September 2017, a 36-month unsecured fixed rate loan came with an average interest rate of 9.20 percent at credit unions and 10.04 percent at banks. And during the holiday season, credit unions tend to offer even lower rates.</p> <p>You could also do a <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?ref=internal" target="_blank">balance transfer to consolidate high-interest credit card debt</a>. To make this work, you'd need to open a new credit card offering a promotional introductory rate on balance transfers. You may have to pay a fee to transfer your balance (typically around 3 percent), and you'll want to repay your debt before the promotional APR window closes (typically between six and 21 months) and the rate increases. However, having a year or so to tackle credit card debt at a much lower interest rate can save you a great deal of money if you're diligent. (See also: <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=seealso?ref=seealso" target="_blank">The Best 0% Balance Transfer Credit Cards</a>)</p> <p>Being able to consolidate your balances allows you slay your debt monsters faster, which will certainly make your holidays a little brighter &mdash; and improve your credit score. Remember that the longer you carry a balance on high-interest credit cards and loans, the more interest you'll rack up on your debt, and the longer that your credit score will remain low. (See also: <a href="http://www.wisebread.com/5-tricks-to-consolidating-your-debt-and-saving-money?ref=seealso" target="_blank">5 Tricks to Consolidating Your Debt and Saving Money</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F3-easy-ways-to-improve-your-credit-score-during-the-holidays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F3%2520Easy%2520Ways%2520to%2520Improve%2520Your%2520Credit%2520Score%2520During%2520the%2520Holidays.jpg&amp;description=5%20Affordable%20Vacations%20to%20Please%20Every%20Age%20Group"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/3%20Easy%20Ways%20to%20Improve%20Your%20Credit%20Score%20During%20the%20Holidays.jpg" alt="3 Easy Ways to Improve Your Credit Score During the Holidays" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/3-easy-ways-to-improve-your-credit-score-during-the-holidays">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-things-you-need-to-know-before-taking-out-a-personal-loan">10 Things You Need to Know Before Taking Out a Personal Loan</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-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</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-millennials-guide-to-avoiding-credit-card-debt">The Millennials Guide to Avoiding Credit Card Debt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-first-steps-to-paying-off-debt">7 Easy First Steps to Paying Off Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-boost-your-partners-bad-credit-without-risking-your-own">6 Ways to Boost Your Partner&#039;s Bad Credit Without Risking Your Own</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance APR balance transfers cash consolidating debt credit score credit unions Holidays interest rates personal line of credit repayment shopping Fri, 17 Nov 2017 10:00:06 +0000 Damian Davila 2055198 at http://www.wisebread.com The 5 Best Camping Coffee Makers http://www.wisebread.com/the-5-best-camping-coffee-makers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-camping-coffee-makers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/camping_coffee_maker_820461726.jpg" alt="Using the best camping coffee maker" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're planning a camping, glamping, backpacking, or hiking trip, you need a coffee maker that is suited to your location and available materials. With the travel-friendly options below, you can still enjoy the comforts of home, with very little time or effort.</p> <h2>What is a camping coffee maker?</h2> <p>Coffee pots are available in all shapes and sizes, with some being particularly well-suited for camp sites and RVs. Camping coffee makers are typically a bit slower than your traditional coffee maker, but they'll still allow you to enjoy coffee just the way you like it, even when you're in remote, unfamiliar locations. They can also be used at home or when you're traveling, allowing you to get a better value out of your purchase.</p> <h2>Top 5 camping coffee makers</h2> <h3>Farberware Classic Stainless Steel Yosemite Coffee Percolator</h3> <p><a href="http://amzn.to/2ATfrln" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/farberware.jpg" width="192" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in coffee percolators, the <a href="http://amzn.to/2ATfrln" target="_blank">Farberware Classic Stainless Steel Yosemite Coffee Percolator</a> allows you to brew four to eight cups of coffee on the stovetop. The stovetop percolator uses traditional brewing methods for a richer flavor. It features a polished stainless steel exterior, comfortable handle, tightfitting lid, permanent filter basket, pump tube, and a nonreactive interior that prevents water from absorbing any odors or flavors. It's also fully immersible and dishwasher safe for easy cleaning.</p> <p>This is recommended by The Wirecutter and Engadget. It is also backed by a quality assurance guarantee and more than 4,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2ATfrln" target="_blank"><em>Currently $25.99 on Amazon</em></a></p> <h3>Coleman Camping Coffee Maker</h3> <p><a href="http://amzn.to/2hxIGkY" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coleman_4.jpg" width="179" height="245" align="right" alt="" /></a>Amazon&rsquo;s Choice for camping coffee makers, the <a href="http://amzn.to/2hxIGkY" target="_blank">Coleman Camping Coffee Maker</a> brews a full pot of coffee in about 10 minutes, and can also be used for making tea or hot chocolate. The drip coffee maker filters out all grounds and can make up to 10 cups of coffee without an electrical outlet. That's because it can sit over most camp stove burners and draw the heat it needs to brew the coffee. It features an easy-fill reservoir, swing-out filter basket, solid steel base, and an easy-pour decanter. The Pause &lsquo;N Serve feature allows you to pause the brewing so you can pour the first cup as soon as it has brewed.</p> <p>This comes from the trusted Coleman brand and has hundreds of five-star reviews on Amazon. It is also frequently recommended online.</p> <p><a href="http://amzn.to/2hxIGkY" target="_blank"><em>Currently $34.99 on Amazon</em></a></p> <h3>Primula Single Serve Coffee Brew Buddy</h3> <p><a href="http://amzn.to/2hGCPgY" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/primula.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in camping coffee and tea pots, the <a href="http://amzn.to/2hGCPgY" target="_blank">Primula Single Serve Coffee Brew Buddy</a> is particularly ideal for travel thanks to its compact size, which allows it to be stored anywhere. It features an eco-friendly reusable fine mesh filter, which filters out even the finest coffee grounds. It allows you to brew a single cup of coffee or tea at any strength. It has a nearly universal fit, so you simply place it on the rim of your mug, add coffee and hot water, and brew to your desired strength.</p> <p>This is dishwasher safe, durable, and easy to use. It&rsquo;s recommended by OutdoorGearLab and is one of the &quot;Most Wished For&quot; and top gift ideas on Amazon.</p> <p><a href="http://amzn.to/2hGCPgY" target="_blank"><em>Currently $6.04 on Amazon</em></a></p> <h3>GSI Outdoors JavaDrip</h3> <p><a href="http://amzn.to/2yPO7CR" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/gsi.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2hxrzzU" target="_blank">GSI Outdoors JavaDrip</a> only takes up the size of a carafe, but can make enough for two cups of coffee, while keeping the next two cups hot while you drink. The silicone drip cone includes a fine mesh reusable filter, shatter-resistant BPA-free carafe with double walled insulated lid, and insulating sleeve. The drip coffee maker folds easily inside itself to stay compact and clean.</p> <p>This is available in two sizes. It's recommended by The Wirecutter, Engadget, and OutdoorGearLab. The <a href="http://amzn.to/2hyOiMc" target="_blank">GSI Outdoors Collapsible Java Drip</a> and <a href="http://amzn.to/2yPO7CR" target="_blank">GSI Outdoors Ultralight Java Drip Coffee Maker</a> are other best-selling options from the trusted brand.</p> <p><a href="http://amzn.to/2hxrzzU" target="_blank"><em>Currently $34.83 on Amazon</em></a></p> <h3>Jetboil Coffee Press</h3> <p><a href="http://amzn.to/2hxYPaj" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/jetboil.jpg" width="178" height="245" align="right" alt="" /></a>If you prefer a French press and have a Jetboil stove, then the <a href="http://amzn.to/2hxYPaj" target="_blank">Jetboil Coffee Press</a> is perfect for your next camping trip. It filters out coffee grounds well, takes up no space, and is easy to use. The stem detaches from the basket so you can stow the press inside of a cup to make it even more travel-friendly. It comes with a basket, rod, and knob. It&rsquo;s an Amazon best-seller and recommended by OutdoorGearLab.</p> <p><a href="http://amzn.to/2hxYPaj" target="_blank"><em>Currently $10.95 on Amazon</em></a></p> <p>And those are our recommendations for the best camping coffee makers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <p>&nbsp;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-camping-coffee-makers&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Camping%2520Coffee%2520Makers.jpg&amp;description=The%205%20Best%20Camping%20Coffee%20Makers"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Camping%20Coffee%20Makers.jpg" alt="The 5 Best Camping Coffee Makers" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-camping-coffee-makers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-stoves">The 5 Best Camping Stoves</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-5-best-reusable-straws">The 5 Best Reusable Straws</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-smart-water-bottles">The 5 Best Smart Water Bottles</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-thermoses">The 5 Best Thermoses</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-aluminum-and-stainless-steel-water-bottles">The 5 Best Aluminum and Stainless Steel Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping 5 best camping accessories camping coffee makers product reviews shopping Fri, 17 Nov 2017 09:00:07 +0000 Andrea Cannon 2055732 at http://www.wisebread.com 10 Money Goals You Should Set for the Holidays http://www.wisebread.com/10-money-goals-you-should-set-for-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-money-goals-you-should-set-for-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gift_of_money_against a_defocused_background_and_christmas_lights.jpg" alt="Gift of Money against a Defocused Background and Christmas Lights" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The holidays are here today, gone tomorrow &mdash; and it's easy to get caught up in a tinseled tornado of financial distress if you're not careful. Avoid that fate this season with these self-imposed goals on how to better manage your holiday budget. It'll help you start the New Year financially fresh and fancy-free.</p> <h2>1. Stop spending money on gifts people don't need</h2> <p>When planning out your holiday gift list, think long and hard about what those people on your list may want or need. Don't be afraid to ask them, either. I always ask friends and family if they have something specific in mind &mdash; and I staunchly believe in getting what they'll love and use, so long as it fits into my budget.</p> <p>Sometimes they provide solid ideas, and other times I get the ol' &quot;I don't need anything&quot; routine, even though they know good and well I'm going to buy them something anyway. (Way to help, Dad.) If you're unsure about a gift, or you feel like you're buying something just to buy it, think again. There's no reason to spend your money on something that will go unused, or even worse, be regifted.</p> <p>When in doubt, a gift card to a favorite store generally works well &mdash; and you should take advantage of the ubiquitous &quot;Spend $X in gift cards and get a $X gift card for free&quot; promotions that many retailers and restaurants offer during the holidays. Stretch that cash every way you can. (See also: <a href="http://www.wisebread.com/save-on-christmas-shopping-with-this-clever-gift-card-strategy?ref=seealso" target="_blank">Save on Christmas Shopping With This Clever Gift Card Strategy</a>)</p> <h2>2. Stop spending money on people who don't need gifts</h2> <p>Does <em>everyone</em> you know need a gift? Will you even see the recipients this holiday season? Are you disproportionately spending money on the people you do buy for? If money is tight and you're stuck in a pattern of buying gifts because you feel obligated, stand up for yourself and put a stop to it.</p> <p>Several years ago, my brother, cousin, and a few of my best friends started churning out children left and right. I had to make the tough decision to cut the adults off my list. I couldn't afford to buy for everyone, so I chose the kids instead. I've never looked back on that decision with any regrets. I get to be the cool uncle who always gives the best presents &mdash; all while being able to save money despite that distinction.</p> <h2>3. Select, make, and &quot;buy&quot; gifts from stuff you already have</h2> <p>There's only one rule to regifting, in my opinion: Make sure the regift doesn't end up anywhere near the person who gave it to you in the first place. Bad form. Otherwise, please, regift items that were given to you that you haven't used (so long as they're still unopened and/or haven't expired). The same goes for unused items that you bought for yourself throughout the year (like clothing with the tags still on). Gift them to someone you think will appreciate them to help keep more money in your pocket.</p> <p>I'm also a big fan of making gifts by hand. For instance, I'm hosting a small dinner party in December, and I'm making my guests a little take-home gift consisting of a festive homemade body scrub, a hand-poured holiday candle, and a bottle of wine I've recently made from a kit.</p> <p>Simple, inexpensive, thoughtful &mdash; that's the name of the game. (See also: <a href="http://www.wisebread.com/save-on-christmas-shopping-with-this-clever-gift-card-strategy?ref=seealso" target="_blank">25 Gifts You Can Make Today</a>)</p> <h2>4. Concentrate on eliminating existing debt before racking up more</h2> <p>One of your top money goals this time of year should be focusing on debt you already have instead of racking up more buying gifts. That's not always easy to do during the holidays, but the due diligence will pay off.</p> <p>If you have existing credit card debt, try your best not to make only the minimum monthly payments. Instead, begin paying a bit extra toward the principal starting with the card with the highest interest rate. This repayment strategy (otherwise known as the debt avalanche) will save you the most money overall on interest payments. High interest rates are what's keeping you in debt, and the faster you reduce or pay these cards off, the better. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a>)</p> <h2>5. Make a list of gift recipients and assign a budget per person</h2> <p>I like to plan out my gift buying to the tee, because I know how bad I can be with impulse purchases around the holidays. You know what it's like: You plan to get your mom a nice perfume set, but then you see this great piece of jewelry on sale &mdash; and your entire budget unravels before your eyes.</p> <p>To combat this habit, I make an itemized list of what I'd like to buy for each person and assign a top-line budget based on the advertised retail price. And then I get to work. Before I make the final purchases, I scour my apps for cash-back deals, search the internet for promo codes, cash in my retailer rewards, and try to plan my in-store shopping around major sales. It helps that I get just about every circular and marketing email known to man &mdash; so I'm always abreast of what deals are going down &mdash; but you'll find equal savings with your own resourcefulness and research.</p> <p>The point of all this extra legwork is to drastically come in below the gifts' retail prices so you cannot only stay under budget but, in fact, walk away from the holidays a solid winner. (See also: <a href="http://www.wisebread.com/avoid-these-5-common-holiday-budget-pitfalls?ref=seealso" target="_blank">Avoid These 5 Common Holiday Budget Pitfalls</a>)</p> <h2>6. Pay for gifts strictly from your holiday-spending envelope</h2> <p>Once you've made your itemized list of gifts and determined the overall budget, take out the cash from the bank, stick it in an envelope, and use only that money to buy gifts. There is no other alternative; this is all the money you have to spend, and you need to stick to this plan. If what you want to buy is online, consult your budget to make sure you're on track, then use your debit card. Then, immediately replace the deduction by making a deposit into your checking account so everything balances out. Yeah, it's old school &mdash; but it works.</p> <h2>7. Put any cash gifts you receive into savings or toward bills</h2> <p>Plan to put any holiday cash you receive from family members straight into your savings account or toward bills. This savings tactic isn't any fun &mdash; I understand &mdash; but you'll likely receive plenty of gift cards that you can spend instead that will help quell your urge to blow everything before the holidays even come to a close.</p> <h2>8. Shop with a buddy to keep each other away from impulse buys</h2> <p>I like shopping alone for several reasons. For starters, I don't have to wait on my companions and they don't have to wait on me, which, when shopping together, can really zap the relaxation out of my leisurely pace. Furthermore, I don't like people's opinions of my purchases or their comments about whether I really need this or that. It's my money, and I'll buy what I want.</p> <p>Except around holiday time.</p> <p>This is the time of year I like to employ the buddy system when shopping for the sole purpose of keeping each other focused on our lists and away from impulse buys. Because if my bestie can't smack my hand in public and tell me no, who can? That's what friends are for.</p> <h2>9. Lay the groundwork for 2018 and the future of your finances</h2> <p>There are a million things happening during the holidays, but that doesn't mean you can't look ahead and prepare yourself financially for the New Year. In fact, you owe it to yourself.</p> <p>Kevin Driscoll, VP of Advisory Services for Navy Federal Financial Group, agrees.</p> <p>&quot;If you're not already doing so, begin contributing to your 401(k),&quot; he says. &quot;Make 2018 the year of financial freedom in retirement by saving now. Check out the retirement plan your employer offers, and if they offer a match, be sure to take advantage of this.&quot;</p> <p>Also worth considering is investing in an online investment platform.</p> <p>&quot;You'll find that there are many sites that allow you to make minimal contributions to buy a portion of a stock,&quot; Driscoll continues. &quot;This is a great way to get your feet wet with investing and hopefully make some extra money, too. Additionally, these platforms are generally low maintenance, and don't require any prior knowledge of the market or investing.&quot;</p> <h2>10. Find ways to spend and save even smarter</h2> <p>Every year, one of your top resolutions should be to stay on top of your finances and to improve your own money management. How do you do that? That's really up to you, but it will require due diligence on your part. It could be as easy as subscribing to personal finance blogs so you'll receive the latest financial self-help articles in your inbox, or maybe you can enroll in a local course that will help you better understand your money and your relationship with it. Both of these tactics combined would be great, too.</p> <p>The point is, you should continue to educate yourself about how to spend and save smarter so you can achieve your goals and live a life free from the burden of debt. Easier said than accomplished, but people just like you do it on a regular basis. Invest in yourself and it will pay off eventually. (See also: <a href="http://www.wisebread.com/10-financial-resolutions-you-can-conquer-before-new-years?ref=seealso" target="_blank">10 Financial Resolutions You Can Conquer Before New Year's</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-money-goals-you-should-set-for-the-holidays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Money%2520Goals%2520You%2520Should%2520Set%2520for%2520the%2520Holidays.jpg&amp;description=10%20Money%20Goals%20You%20Should%20Set%20for%20the%20Holidays"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Money%20Goals%20You%20Should%20Set%20for%20the%20Holidays.jpg" alt="10 Money Goals You Should Set for the Holidays" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-money-goals-you-should-set-for-the-holidays">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/8-secrets-to-a-debt-free-holiday-season">8 Secrets to a Debt-Free Holiday Season</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/13-financial-gifts-to-give-yourself-this-holiday-season">13 Financial Gifts to Give Yourself This Holiday Season</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fastest-ways-to-recover-from-holiday-overspending">7 Fastest Ways to Recover From Holiday Overspending</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-tidy-up-your-finances-before-the-holidays">10 Ways to Tidy Up Your Finances Before the Holidays</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-excuses-we-need-to-stop-making-about-overspending">5 Excuses We Need to Stop Making About Overspending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance budgets cash Christmas deals debt gifts Holidays sales saving money shopping Spending Money Wed, 15 Nov 2017 09:00:09 +0000 Mikey Rox 2053944 at http://www.wisebread.com The 5 Best Travel Cable Organizers http://www.wisebread.com/the-5-best-travel-cable-organizers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-travel-cable-organizers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/phone_cables_836084902.jpg" alt="Organizing travel cables" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Make life easier, organize your bag, and save time when you&rsquo;re looking for the cable you need. A travel cable organizer allows you to find what you need quickly and efficiently, without having to sort through tons of tangled cables and accessories.</p> <h2>What is a travel cable organizer?</h2> <p>A travel cable organizer can store and protect small items like cables, cords, hard drives, flash drives, and wires. It is a packing and organization must-have. It&rsquo;s ideal for travel and is the perfect addition to your laptop bag, backpack, or suitcase. It also protects your items from scratches, tangles, dust, and damage, and can even help prevent you from leaving items behind.</p> <h2>Top 5 travel cable organizers</h2> <h3>AmazonBasics Universal Travel Case</h3> <p><a href="http://amzn.to/2hA5V1y" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/amazon_0.jpg" width="138" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in GPS cases, the versatile <a href="http://amzn.to/2hA5V1y" target="_blank">AmazonBasics Universal Travel Case</a> protects small electronics, cords, cables, GPS units, and other electronic accessories. It has a molded-EVA plastic exterior, soft interior lining, two interior stretch-mesh pockets, and a removable wrist strap. It&rsquo;s Amazon&rsquo;s Choice for travel cable organizers and part of Amazon&rsquo;s Electronics Gift Guide. It also has outstanding online reviews, including more than 3,500 five-star reviews on Amazon. It is also backed by a one-year limited warranty.</p> <p><em><a href="http://amzn.to/2hA5V1y" target="_blank">Currently $10.49 on Amazon</a></em></p> <h3>Grid-It Organizer</h3> <p><a href="http://amzn.to/2hvQ28B" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/grid%20it.jpg" width="245" height="187" align="right" alt="" /></a>The versatile double-sided <a href="http://amzn.to/2hvQ28B" target="_blank">Grid-It Organizer</a> can organize everything from survival items to small travel items, but is especially useful for storing and organizing cables, cords, chargers, thumb drives, wires, and even an iPad. The backside even doubles as a mouse pad. The rubberized woven elastic object retention system holds items firmly in place, wherever you place them, ensuring endless configurations. It's available in various sizes and shapes, and it&rsquo;s recommended by various online publications, such as Lifehacker.</p> <p><a href="http://amzn.to/2hvQ28B" target="_blank"><em>Currently $10.95 on Amazon</em></a></p> <h3>BUBM Double Layer Travel Gear Organizer</h3> <p><a href="http://amzn.to/2AMicou" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bubm.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2AMicou" target="_blank">BUBM Double Layer Travel Gear Organizer</a> is a versatile organization system with mesh pockets and elastic loops. It can securely hold cables, flash disks, USB drives, cords, and even an iPad Mini. The zippered case has a heavy-duty, double layer, waterproof nylon interior compartment, and padded semi-flexible covers. It is available in various sizes and colors to meet your needs. It&rsquo;s recommended by various online publications, including The Wirecutter, and has over 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2AMicou" target="_blank"><em>Currently $14.59 on Amazon</em></a></p> <h3>Skooba Design Cable Stable DLX</h3> <p><a href="http://amzn.to/2hrjJb3" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/skooba.jpg" width="245" height="168" align="right" alt="" /></a>The zippered <a href="http://amzn.to/2hrjJb3" target="_blank">Skooba Design Cable Stable DLX</a> case houses cords, cables, USB drives, adapters, batteries, and other accessories for your favorite electronics. It includes a floating elastic hold-down grid with 15 flexible spaces and a large neoprene pocket. It is recommended by various online publications, including The Wirecutter, and has outstanding online reviews.</p> <p><a href="http://amzn.to/2hrjJb3" target="_blank"><em>Currently $22.79 on Amazon</em></a></p> <h3>BAGSMART Travel Universal Cable Organizer</h3> <p><a href="http://amzn.to/2hvQZxH" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bagsmart.jpg" width="236" height="245" align="right" alt="" /></a>The versatile <a href="http://amzn.to/2hvQZxH" target="_blank">BAGSMART Travel Universal Cable Organizer</a> is ideal for storing chargers, cables, headphones, hard drives, SD cards, thumb drives, and other accessories. The lightweight, durable, water-repellent zippered hard case features elastic loops and various sizes of pockets and pouches. It is available in various colors and is backed by outstanding online reviews.</p> <p><a href="http://amzn.to/2hvQZxH" target="_blank"><em>Currently $18.99 on Amazon</em></a></p> <p>And those are our recommendations for the best travel cable organizers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">&nbsp;</h2> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-travel-cable-organizers&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Travel%2520Cable%2520Organizers.jpg&amp;description=The%205%20Best%20Travel%20Cable%20Organizers"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Travel%20Cable%20Organizers.jpg" alt="The 5 Best Travel Cable Organizers" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-travel-cable-organizers">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/the-5-best-pet-cameras">The 5 Best Pet Cameras</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-5-best-gaming-mice">The 5 Best Gaming Mice</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-usb-powered-fans">The 5 Best USB-Powered Fans</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-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</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-voice-recorders">The 5 Best Voice Recorders</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best iphone cords phone cords product reviews shopping tech gadgets travel cable organizers Wed, 15 Nov 2017 09:00:07 +0000 Andrea Cannon 2054456 at http://www.wisebread.com 8 Secrets to a Debt-Free Holiday Season http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-secrets-to-a-debt-free-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/laughing_girl_with_falling_confetti_at_party.jpg" alt="Laughing girl with falling confetti at party" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Remember when the holidays were all about simple pleasures like spending time with family and exchanging modest gifts? Neither do I. Holidays have taken on a life of their own, turning otherwise reasonable folks into consumer zombies and blowing up the budgets of too many Americans. This year, let's celebrate simplicity and financial solvency. Here are the secrets to a debt-free holiday season.</p> <h2>1. Push back against &quot;holiday sprawl&quot;</h2> <p>Ever feel like the holidays come earlier, last longer, and require more gifts, more elaborate decorations, more money, and more travel? Let's call this endless expansion what it is &mdash; <em>holiday sprawl</em>. Fight back by embracing the idea of <em>enough</em>. Suggest (and stick to) reasonable spending limits and keep ballooning expectations in check. Your budget will thank you. (See also: <a href="http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season?ref=seealso" target="_blank">9 Things You Can Do Right Now for a Frugal Holiday Season</a>)</p> <h2>2. Shop early and shop around</h2> <p>Bright lights, big crowds, sales of the century &mdash; it's enough to make even the most levelheaded shopper lose control. Skip all the holiday madness by shopping early (I start in September and try to finish by Thanksgiving). You'll have more time to compare prices, shop for sales, and space out purchases so you won't have to rely on credit. (See also: <a href="http://www.wisebread.com/6-reasons-january-is-the-right-time-to-start-planning-for-christmas?ref=seealso" target="_blank">6 Reasons January Is the Right Time to Start Planning for Christmas</a>)</p> <h2>3. Slow down</h2> <p>Holidays can be frantic. In the rush of activity, we often make bad decisions about what to buy and how much to spend. Slow. Things. Down. Break up your shopping excursions into several smaller trips and avoid shopping on days when you have a thousand other things to do. When shopping online, load your virtual cart, but don't commit to buy until you've thought about your choices overnight.</p> <h2>4. Avoid gimmicks</h2> <p>The holiday season can make or break retailers. To help us stretch our spending muscles, almost every store features blowout sales or deals that require the purchase of multiples (10 for $10). My advice? Be skeptical. That &quot;biggest sale of the year&quot; probably isn't. And what are you going to do with 10 bacon-scented candles, anyway?</p> <h2>5. Pay cash</h2> <p>Do you tend to spend more when you use credit? You're not alone. Paying by credit card &mdash; or worse yet, smartphone &mdash; blunts the conscious connection between spending more money and having less money. Make this holiday a cash-only affair. It'll keep your accounts in the black and make your first credit card bill of the new year a lot less frightening.</p> <h2>6. Make your gifts</h2> <p>Exchanging handmade gifts can be wonderful, even among adults. Buck the retail trend altogether and focus on your talents. Are you an expert baker? A gifted artist? An inspired brewmaster? Explore Pinterest for inexpensive homemade holiday gift ideas, then tap into your creative spirit. (See also: <a href="http://www.wisebread.com/how-to-spend-almost-nothing-on-gifts-this-year?ref=seealso" target="_blank">10 Gift Ideas That Cost Almost Nothing</a>)</p> <h2>7. Skip the greeting cards</h2> <p>I didn't get the memo: When did everyone decide that $14.99 is an acceptable price for a box of holiday cards? This year, save a few bucks by ditching the costly cards and postage. Instead, send a group email or catch up with a leisurely phone call.</p> <h2>8. Share experiences</h2> <p>If money's tight, swap traditional gifts for the gift of time together. Organize a holiday potluck, host a movie night with friends, or coordinate a charity event where everyone contributes a few hours of their time as a group. After all, what could be better than good food, good friends, and goodwill?</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-secrets-to-a-debt-free-holiday-season&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Secrets%2520to%2520a%2520Debt-Free%2520Holiday%2520Season.jpg&amp;description=8%20Secrets%20to%20a%20Debt-Free%20Holiday%20Season"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Secrets%20to%20a%20Debt-Free%20Holiday%20Season.jpg" alt="8 Secrets to a Debt-Free Holiday Season" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season">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/10-money-goals-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-fastest-ways-to-recover-from-holiday-overspending">7 Fastest Ways to Recover From Holiday Overspending</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-tidy-up-your-finances-before-the-holidays">10 Ways to Tidy Up Your Finances Before the Holidays</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-simple-holiday-budget-anyone-can-follow">The Simple Holiday Budget Anyone Can Follow</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-bounce-back-from-your-holiday-splurge">How to Bounce Back From Your Holiday Splurge</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Lifestyle cash Christmas gifts holiday debt Holidays homemade gifts sales tactics shopping Spending Money Mon, 13 Nov 2017 09:00:07 +0000 Kentin Waits 2050494 at http://www.wisebread.com The 5 Best Compression Socks http://www.wisebread.com/the-5-best-compression-socks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-compression-socks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/running_compression_socks_497893960.jpg" alt="Woman wearing the best compression socks while running" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Compression helps to keep your muscles in place to reduce muscle fatigue and prevent injury. Compression socks squeeze the leg tissues and walls of the veins to prevent the buildup of fluid in the tissue and to increase blood flow to damaged tissue for faster recovery and enhanced athletic performance.</p> <h2>What are compression socks?</h2> <p>Compression socks are specially designed garments that provide compression to increase circulation. This can help reduce swelling and discomfort, prevent blood clots, and help relieve symptoms from varicose veins, shin splints, calf cramps, strains, and much more. They can be worn in the day or at night, and are frequently recommended for runners, patients who have just undergone surgery, and people who stand all day.</p> <h2>Top 5 compression socks</h2> <h3>Physix Gear Sport Compression Socks</h3> <p><a href="http://amzn.to/2zIrOTP" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/physix.jpg" width="197" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2zIrOTP" target="_blank">Physix Gear Sport Compression Socks for Men and Women</a> are comfortable enough to be worn in the day or at night. They offer a graduated compression (20-30 mmHg) to assist with pain, swelling, varicose veins, shin splints, and more. They're ideal for runners, nurses, athletes, travelers, and anyone on their feet all day. They can boost stamina, circulation, performance, and recovery. The durable socks are easy to get on and won't slip down, thanks to stay-put cuffs, double stitched seams, and antibacterial, moisture wicking material.</p> <p>These are available in a range of colors and sizes, and include free ebook downloads. They are designed to last and wash well without losing compression. They are an Amazon's Choice product, an Amazon best-seller, one of the &quot;Most Wished For&quot; items on Amazon, and recommended by RunnerClick. They also have nearly 6,000 five-star reviews on Amazon and a 100 percent money-back guarantee.</p> <p><a href="http://amzn.to/2zIrOTP" target="_blank"><em>Currently $21.58 on Amazon</em></a></p> <h3>Vitalsox Italy-Patented Graduated Compression Socks</h3> <p><a href="http://amzn.to/2yjxnnl" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vitalsox.jpg" width="200" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yjxnnl" target="_blank">Vitalsox Italy-Patented Graduated Compression Socks</a> improve cardiopulmonary performance, so they're ideal for runners, travelers, nurses, and athletes. They reduce issues from swelling, varicose veins, injuries, shin splints, and more. The light padding and patented graduated compression increase circulation, support, performance, and recovery. They have four-way stretch for consistent compression and elastic layers that work together to stimulate blood flow, increase stamina, and improve oxygen delivery to your muscles. The lightly padded nylon socks feature a patented interlocked diamond pattern and exclusive silver DryStat fiber, which wicks away moisture and reduces the growth of bacteria, fungus, and odors.</p> <p>These are available in a range of sizes and colors. They're machine washable and comfortable enough to wear in the day or at night. They're recommended by sites like Heavy.com and Runners101, and have more than 3,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2yjxnnl" target="_blank"><em>Currently $16.99-$46.41 on Amazon</em></a></p> <h3>MoJo Recovery and Performance Sports Compression Socks</h3> <p><a href="http://amzn.to/2Avm2C8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mojo.jpg" width="192" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2Avm2C8" target="_blank">MoJo Recovery and Performance Sports Compression Socks</a> are made of a thicker material to provide selective cushioning for strategic compression and better shock absorption. The medical-grade graduated compression of 20-30 mmHg can reduce lactic acid build up, boost circulation and oxygen delivery to the muscles, and improve recovery after surgery or exercise. They're comfortable and easy to slip on thanks to a form fitting, two-way stretch design, moisture wicking fabric, advanced microfiber-soft yarns, a stay-up band, a reinforced toe and heel, and four flex zones for enhanced mobility.</p> <p>These are available in a range of sizes and colors. They're recommended by sites like Heavy.com, RunnerClick, and Runners101, and have nearly 2,500 five-star reviews on Amazon. Mojo is also the top selling sports compression sock brand and chosen by professional triathletes around the world.</p> <p><a href="http://amzn.to/2Avm2C8" target="_blank"><em>Currently $16.95 on Amazon</em></a></p> <h3>Blitzu Compression Socks Men and Women</h3> <p><a href="http://amzn.to/2AurPrN" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blitzu_0.jpg" width="194" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2AurPrN" target="_blank">Blitzu Compression Socks for Men and Women</a> are comfortable enough to be worn in the day or at night. They're ideal for travelers, runners, athletes, nurses, and anyone on their feet all day. They have a soothing feeling at the bottom and sides of the feet and targeted support for your muscles and joints, so you can feel the difference instantly. The washable socks use 3D kinesiology taping design and graduated compression technology to prevent injury, improve blood flow, and improve recovery. They can also help reduce pain, swelling, fatigue, and symptoms from shin splints, calf pain, diabetes, varicose veins, edema, and arthritis. They are made of Power+ Premium Performance Fabric, superior grade circular knit structure, 360-degree stretch, vertical and tape ribbing, and stay-put cuffs.</p> <p>These are available in a range of sizes and colors. They're an Amazon best-seller, have nearly 2,500 five-star reviews on Amazon, and are recommended by RunnerClick. They're also backed by a 100 percent satisfaction guarantee.</p> <p><a href="http://amzn.to/2AurPrN" target="_blank"><em>Currently $9.97-$15.97 on Amazon</em></a></p> <h3>SB SOX Lite Compression Socks</h3> <p><a href="http://amzn.to/2hnaL2e" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sb%20sox.jpg" width="177" height="245" align="right" alt="" /></a>The lightweight, breathable <a href="http://amzn.to/2hnaL2e" target="_blank">SB SOX Lite Compression Socks for Men and Women</a> use elastic layers that work perfectly together to stimulate blood flow, improving oxygen delivery to your muscles. The graduated compression technology (15-20 mmHg) provides the maximum boost to your blood circulation. They can aid in recovery, maintain joint stability, and help reduce injury, swelling, and fatigue. These are ideal for runners, edema, diabetics, varicose veins, travel, pregnancy, shin splints, nursing, or anyone on their feet all day. The form-fitting socks provide comfort and fast relief thanks to a no-slip cuff, anti-odor moisture-wicking Lycra fabric, ankle protection, and a smooth toe and heel.</p> <p>These are available in a range of colors and sizes, and include free ebook downloads. They're an Amazon best-seller, have nearly 1,000 five-star reviews on Amazon, and are recommended by doctors, trainers, and publications like RunnerClick. They're also backed by a 100 percent money-back guarantee. If these don't work for you, there are a number of other best-selling options from the trusted brand, including <a href="http://amzn.to/2hkZUpp" target="_blank">SB SOX Compression Socks (20-30 mmHg) for Men and Women</a> and <a href="http://amzn.to/2hW7owe" target="_blank">SB SOX Compression Foot Sleeves for Men and Women</a>.</p> <p><a href="http://amzn.to/2hnaL2e" target="_blank"><em>Currently $9.95&ndash;$11.95 on Amazon</em></a></p> <p>And those are our recommendations for the best compression socks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-compression-socks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Compression%2520Socks.jpg&amp;description=The%205%20Best%20Compression%20Socks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Compression%20Socks.jpg" alt="The 5 Best Compression Socks" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-compression-socks">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/the-5-best-in-home-dry-cleaning-kits">The 5 Best In-Home Dry Cleaning Kits</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-5-best-clothing-steamers">The 5 Best Clothing Steamers</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-women-s-rain-boots">The 5 Best Women’s Rain Boots</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-rain-jackets-for-men">The 5 Best Rain Jackets for Men</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-running-sunglasses">The 5 Best Running Sunglasses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Style 5 best compression socks new socks product reviews running socks shopping socks Thu, 09 Nov 2017 08:00:12 +0000 Andrea Cannon 2050561 at http://www.wisebread.com