deals http://www.wisebread.com/taxonomy/term/230/all en-US 10 Ways to Spot a Motivated Seller http://www.wisebread.com/10-ways-to-spot-a-motivated-seller <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-spot-a-motivated-seller" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_standing_in_front_of_a_new_home.jpg" alt="Couple standing in front of a new home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I love a bargain, especially when it comes to the biggest purchase most of us ever make: a house. But bargains are hard to come by in this seller's market, with low inventory driving competition for houses. Nationwide, prices are up 6 percent compared to this time last year, and in some markets, they're up even more.</p> <p>In conditions like these, your best bet is to find a motivated seller who wants to close the deal and get what they can, fast. Here are some signs that you may have found one.</p> <h2>1. The listing says so</h2> <p>Some listings come right out and say it: &quot;Motivated seller.&quot; Others may imply as much, by stating &quot;Bring all offers&quot; or something similar. (See also: <a href="http://www.wisebread.com/sell-your-house-faster-with-these-6-house-flipping-tricks?ref=seealso" target="_blank">Sell Your House Faster With These 6 House Flipping Tricks</a>)</p> <h2>2. The owner is moving far away</h2> <p>At open houses or during showings, find out as much as you can about the seller. Ask the listing agent why they are selling the house. If the answer is that they got a job transfer to Europe or they are crossing the country to move in with an ailing parent, they're probably not going to have a lot of time for protracted negotiations. Even if the agent doesn't come out and tell you, if it takes them a while to reach the seller for questions, it's a clue that the seller might be far afield.</p> <h2>3. The owner has a change in life status</h2> <p>The same nosy questions might reveal that the seller is getting married or divorced. Same deal: They're not going to want to leave their house on the market for months, waiting for the best offer. If the agent doesn't tell you, look for clues of impending divorce (a subdivided house, half-empty closets) or marriage (seating arrangement charts, wedding veil in the closet).</p> <h2>4. The house is empty</h2> <p>A house that's sitting empty means that the owner has already moved, and is probably now paying mortgage and utilities on two separate properties. If they have been in this situation for a few months, they may be desperate to sell. And they probably have less of an emotional attachment to a home than a seller who is still living there.</p> <h2>5. The house is overcrowded</h2> <p>The inverse of the empty house is the house bursting with furniture and belongings. Two sets of bunk beds in the bedroom? A crib in the master bedroom or on the landing? These people need to get into a bigger house, stat!</p> <h2>6. The house is underused</h2> <p>There are five bedrooms, but only two have beds in them. The family pictures on the wall all include 1980s hairdos or graduation gowns. You have stumbled upon the too-big home of a pair of empty nesters, and if they're anxious to get to their Florida condo, you may be able to strike a deal.</p> <h2>7. The sellers are elderly</h2> <p>Hospital bed in the living room? Bathrooms retrofitted with shower stools and grab bars? Decor made entirely of lacy doilies? All signs that the seller may be on the way to assisted living or a nursing home. The family may need to sell the house as quickly as possible to pay the steep cost of living in such facilities. While buyers willing to pay full price might ask them for repairs they don't want to deal with, a bargain hunter willing to take the place as-is might be welcome.</p> <p>I bought my current home from a family in this situation, and we were able to get it for asking price instead of bidding above asking, which is the norm in the San Francisco Bay Area market. This strategy is not without its pain, however; due to deferred maintenance over the last few decades that our elderly seller lived here. Six years after the purchase we are still finding water and dry rot damage to repair, and we're saving up for much-needed updates. (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>8. The property is listed by an estate</h2> <p>If you find out that the home's owner has died, you may be able to negotiate a deal. The heirs are probably anxious to wrap up the estate and divide the proceeds. They won't have the same emotional attachment to the home as the owner would have, and they probably don't want to let it sit on the market.</p> <h2>9. The seller is candid</h2> <p>If the seller announces that the basement floods, or the roof leaks and they have no intention of fixing it before the sale, they probably don't have cash to put into the house, and they don't want to waste time waiting for you to find these things out during an inspection. Consider it an invitation to make a deal.</p> <h2>10. There's no curb appeal</h2> <p>Similar to the point above, a yard full of weeds, peeling paint, or any other sign of cosmetic neglect shows that the owner lacks time, money, or both to take care of this property. They're likely quite anxious to get this responsibility off their hands.</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-ways-to-spot-a-motivated-seller&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Spot%2520a%2520Motivated%2520Seller.jpg&amp;description=10%20Ways%20to%20Spot%20a%20Motivated%20Seller"></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%20Ways%20to%20Spot%20a%20Motivated%20Seller.jpg" alt="10 Ways to Spot a Motivated Seller" 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/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/10-ways-to-spot-a-motivated-seller">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-questions-to-ask-during-an-open-house">20+ Questions to Ask During an Open House</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/why-you-should-be-saving-big-with-bi-weekly-mortgage-payments">Why You Should Be Saving Big With Bi-Weekly Mortgage Payments</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/4-worst-reasons-to-buy-a-house">4 Worst Reasons to Buy a House</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-you-need-to-know-about-homeowners-associations">What You Need to Know About Homeowners&#039; Associations</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-fallacy-of-homeownership-as-a-sound-investment">The Fallacy of Homeownership as a Sound Investment</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing buying a house deals desperate sellers homeownership motivated sellers open houses signs strategy Fri, 27 Apr 2018 08:30:16 +0000 Carrie Kirby 2130619 at http://www.wisebread.com How Being Uninformed Costs You Money http://www.wisebread.com/how-being-uninformed-costs-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-being-uninformed-costs-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/please_sign_the_contract.jpg" alt="Please sign the contract" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you ever negotiated what you thought was a good deal, only to find out later that you didn&rsquo;t have all of the information? You probably could have gotten a <em>better</em> deal (or wouldn&rsquo;t have made the purchase at all) if you had all the facts. That&rsquo;s an awful feeling, because you feel like you let yourself down.</p> <p>In fact, there&rsquo;s a name for this kind of interaction, and there are things you can do to keep it from hurting you again.</p> <h2>Information asymmetry</h2> <p>When one party in any sort of transaction knows more than another, it&rsquo;s called information asymmetry. This mismatch of knowledge means that one person &mdash; the one with more knowledge &mdash; has more power in the transaction.</p> <p>That power differential is why you often feel terrible when you find out you got a bad deal because you didn&rsquo;t know enough. You may feel like you didn&rsquo;t hold the cards you thought you held &mdash; like you were manipulated, cheated, or lied to.</p> <h2>Information asymmetry and your money</h2> <p>When you don&rsquo;t have all the information, you end up losing money. My family experienced this when we bought our first used car. We did all of the right things: drove it around, took it to a mechanic, and asked good questions. However, the previous owners didn&rsquo;t disclose that they had used the wrong kind of chemical in the radiator, clogging the entire system. They cleaned it up just enough so it would pass the typical mechanic&rsquo;s inspection, and they sold it to us.</p> <p>We found out soon enough what had happened, and we had to replace almost every component of the car&rsquo;s cooling system. It was incredibly expensive. A mechanic let us know what he found inside, and we were furious. Had we known about the previous owners&rsquo; mistake, we would have never bought the car.</p> <p>If you&rsquo;ve found yourself in a similar situation, you know the pain of paying for someone else&rsquo;s transgressions. Information asymmetry causes many of our most frustrating money moments, because you almost always lose when you don&rsquo;t know as much as the person you&rsquo;re negotiating with. (See also: <a href="http://www.wisebread.com/10-negotiation-mistakes-that-will-destroy-your-deal?ref=seealso" target="_blank">10 Negotiation Mistakes That Will Destroy Your Deal</a>)</p> <h2>Mitigating the effects of information asymmetry</h2> <p>While you can never get inside another person&rsquo;s head, there are ways to get as much information as possible before you make a financial decision. Research shows that a balance of information creates the best deals possible &mdash; the kind where everyone ends up happy. Therefore, both parties should be interested in disclosing as much information as necessary. Here are some steps you can take to help that happen. (See also: <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master?ref=seealso" target="_blank">8 Negotiating Skills Everyone Should Master</a>)</p> <h3>1. Educate yourself</h3> <p>Before you enter into any sort of financial transaction, make sure you understand how it works. If you&rsquo;re getting a mortgage, understand the interest rate, whether your loan is fixed or adjustable, and the loan&rsquo;s terms. If you&rsquo;re entering into a business deal, understand the details of what the other person or company does, so you can make sure they are doing as much as possible for you. This takes time, but it will help you get the best deal.</p> <h3>2. Read the fine print</h3> <p>People end up uninformed when they don&rsquo;t read every detail that is available to them. Sometimes, the fine print is literally so fine that it&rsquo;s hard to read. When you take the time to read and understand it, though, it will often give you additional information that you need to understand the deal you&rsquo;re getting &mdash; and to negotiate a better one if you need to.</p> <h3>3. Ask an expert</h3> <p>If you don&rsquo;t understand some aspect of a deal, ask someone who knows the subject at hand to help you out. People sometimes balk at this step because experts often charge money for their assistance (think auto mechanics, home inspectors, and lawyers). However, if you want to be sure you&rsquo;re getting a good deal, it&rsquo;s worth the investment.</p> <h3>4. Ask specific questions</h3> <p>People can always choose to lie, but many will not if you ask them a specific question. Even if they&rsquo;re willing to hide something or omit a detail, they often aren&rsquo;t willing to outright lie about it to your face. For instance, if you ask, &ldquo;Have you ever had problems with this home&rsquo;s foundation?&rdquo; you are more likely to get an honest answer than if you just ask, &ldquo;Any serious issues with the house?&rdquo;</p> <h3>5. Bring out the big guns</h3> <p>This isn&rsquo;t always possible, but sometimes it&rsquo;s appropriate to get someone with authority on your side, especially if you feel powerless. When it comes to information asymmetry, this often means paying a lawyer to represent or advise you. This can be expensive, but if you&rsquo;re in a major negotiation or you feel like something is wrong but you don&rsquo;t know what, it can save you a bundle in the end.</p> <p>You can lose a lot of money because of information asymmetry, but you don&rsquo;t have to. Train yourself to carefully gather as much information as possible before you enter into any sort of negotiation, and try to level the playing field as much as you can. Use your intuition during the transaction to gauge whether something is wrong. If you feel that way, investigate some more. In the end, you will get a deal you feel good about.</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%2Fhow-being-uninformed-costs-you-money&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520Being%2520Uninformed%2520Costs%2520You%2520Money.jpg&amp;description=How%20Being%20Uninformed%20Costs%20You%20Money"></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/How%20Being%20Uninformed%20Costs%20You%20Money.jpg" alt="How Being Uninformed Costs You Money" 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/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-being-uninformed-costs-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sometimes-i-wish-i-had-beautiful-long-blonde-hair-and-ample-cleavage">Sometimes I wish I had beautiful long blonde hair and ample cleavage.</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-stuff-i-try-never-to-buy-new">The stuff I try never to buy new</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-trick-salespeople">6 Ways to Trick Salespeople</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/an-important-financial-lesson-from-fight-club">The financial wisdom of Fight Club</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-reasons-i-still-dont-have-a-cellphone-plan-yet">6 Reasons I Still Don&#039;t Have a Cell Phone Plan (yet)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Consumer Affairs bargaining buying deals information asymmetry negotiation power imbalance research salespeople selling Thu, 21 Dec 2017 10:01:05 +0000 Sarah Winfrey 2074043 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-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/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/5-excuses-we-need-to-stop-making-about-overspending">5 Excuses We Need to Stop Making About 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/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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-tidy-up-your-finances-before-the-holidays">10 Ways to Tidy Up Your Finances Before the Holidays</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 11 Ways to Prepare for Your Best Black Friday http://www.wisebread.com/11-ways-to-prepare-for-your-best-black-friday <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-prepare-for-your-best-black-friday" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_asian_woman_with_shopping_bags.jpg" alt="Happy asian woman with shopping bags" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't let the success of Cyber Monday fool you: Black Friday is still a massive holiday spending day. According to the National Retail Federation, over 154 million consumers shopped over Black Friday weekend in 2016 &mdash; up from 151 million the year before.</p> <p>Chances are, you're going to be one of those many consumers shopping on Black Friday this year. But you don't have to totally blow your budget in the process. There are ways you can soften the blow to your bank account with advance preparation. Here's how.</p> <h2>1. Put your common indulgences on hold</h2> <p>I like to have my hair cut every two weeks. But when I'm trying to save, I push the cut out to every three weeks. My haircuts cost $17 including tip, and if I adhered to this schedule on a regular basis, I'd save a whopping $148 a year. You may have an indulgence like this that you can honor less frequently or stop altogether while you try to budget more strictly during the holidays. These indulgences usually aren't cheap, and forgoing them will provide a sizable amount of extra dough for you to use for gift shopping.</p> <h2>2. Focus on paying off any existing credit card debt</h2> <p>Before you start swiping your cards left and right, it's important to tackle any existing credit card debt, especially if you've only been making minimum payments up to this point. Concentrate on the highest-interest cards first; you'll save more in the long run by paying those down or off as soon as possible. (See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt?ref=seealso" target="_blank">5 Ways to Pay Off High Interest Credit Card Debt</a>)</p> <h2>3. Pause or change your media subscriptions</h2> <p>The holidays are busy. Shopping, parties, pageants &mdash; you know the drill. All that running around probably leaves you with little time to use the subscription services for which you're paying a premium. So don't.</p> <p>&quot;Consider pausing subscriptions for a few months, or temporarily changing services to a lower-priced tier,&quot; advises Lindsay Sakraida, director of content marketing with DealNews. &quot;For example, if you pay extra for Hulu without ads, premium Netflix, or extra data cell service, you might want to adjust all of them for a month or two to save some cash for Black Friday and the holidays.&quot;</p> <h2>4. Pick up short-term gigs and odd jobs for quick cash</h2> <p>I participate in several &quot;gig&quot; services throughout the year, but this side work really picks up around the holidays &mdash; and that helps my disposable income swell. Pet sit via Rover.com, pick up passengers using Lyft, host guests in your home through Airbnb, and deliver groceries with the help of Instacart. I do it all, and I highly recommend looking into any one of these opportunities for quick cash. (See also: <a href="http://www.wisebread.com/8-seasonal-side-hustles-thatll-cover-your-holiday-spending?ref=seealso" target="_blank">8 Seasonal Side Hustles That'll Cover Your Holiday Spending</a>)</p> <h2>5. Make a gift list and establish a firm maximum budget</h2> <p>Make your list, check it twice, and decide how much you want to spend on each recipient. Once that budget is set, stick to it. Better yet, make it your goal to come in under the amounts you've established for each person so you can treat yourself to a little something special when all is said and done. (See also: <a href="http://www.wisebread.com/the-simple-holiday-budget-anyone-can-follow?ref=seealso" target="_blank">The Simple Holiday Budget Anyone Can Follow</a>)</p> <h2>6. Research the Black Friday deals ahead of time</h2> <p>News of many Black Friday offers will be released well in advance &mdash; several retailers, like Walmart, Costco, Kohl's, and JCPenny have already whetted consumers' appetites with &quot;leaked&quot; deals &mdash; which allows you plenty of time to research the best of the best. There are entire sites, such as <a href="https://bestblackfriday.com/" target="_blank">Best of Black Friday</a>, dedicated to compiling the deals in one place.</p> <h2>7. Start shopping early to spread out your spending</h2> <p>Why wait until Black Friday if you recognize a great deal when you see one? Just because the day after Thanksgiving receives heavy promotion doesn't mean there aren't other great deals before the stampedes begin.</p> <p>&quot;Make it a point to get a jump-start on planning and shopping early so you have a few months to purchase gifts instead of waiting until the holiday season,&quot; suggests Natasha Rachel Smith, personal finance expert at TopCashback.com. &quot;Also, don't forget about deals on Thanksgiving. Every year Black Friday has crept up earlier and earlier. In fact, in recent years, some deals sell out before Black Friday.&quot; (See also: <a href="http://www.wisebread.com/6-ways-to-score-a-black-friday-deal-without-leaving-home?ref=seealso" target="_blank">6 Ways to Score a Black Friday Deal Without Leaving Home</a>)</p> <h2>8. Have a game plan before stepping foot in the store</h2> <p>Similar to never going to the supermarket on an empty stomach, don't head into the holiday season without a game plan.</p> <p>&quot;Most major retailers will release their deals for Black Friday the week before to give consumers time to plan and get excited about what they want to purchase,&quot; Smith says. &quot;Use this time wisely to see what is going to be on sale and compare deals at each retailer. By creating a game plan, you can prioritize any items that sell fast or are at the best-discounted price. Not only will you save time but you'll save money too by planning what to get, when, and where.&quot; (See also: <a href="http://www.wisebread.com/8-frugal-skills-you-need-to-survive-black-friday?ref=seealso" target="_blank">8 Frugal Skills You Need to Survive Black Friday</a>)</p> <h2>9. Consult your cash back apps before heading out</h2> <p>I've been killing it in the cash back game lately, thanks to apps like Ibotta and Checkout 51. The trick is to consult these apps before you go shopping so you know what's available and opt in if required. With Ibotta, for instance, many times it requires you to make purchases through its app &mdash; it will launch the retailers' sites for you, like Under Armour, as an example &mdash; so it can track your purchase and deposit the cash back you've earned. Every penny returned to you helps. Trust me &mdash; you will be thankful for this at holiday time. (See also: <a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop?ref=seealso" target="_blank">7 Apps That Actually Pay You to Shop</a>)</p> <h2>10. Consider your method of payment for maximum savings</h2> <p>You might think that cash in hand is the best way to shop on Black Friday (it certainly can help avoid overspending if you're disciplined), but you could be disqualifying yourself for deals available through other methods of payment. Capitalize on your Black Friday spending by deciding how you're going to buy things &mdash; cash, debit, or credit card &mdash; to reap the best benefits.</p> <p>Scope out all your payment options and use the bonuses and rewards in your favor. If you do the research and find that you want to apply for a specific card, do so a couple weeks in advance to ensure you receive it in time to use it. Using the shopping season to get <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=internal" target="_blank">bonus cash back</a> that has a spending requirement can give you help ease the holiday costs. (See also: <a href="http://www.wisebread.com/read-this-to-maximize-your-rewards-and-cash-back-this-holiday-season?ref=seealso" target="_blank">Read This to Maximize Your Rewards and Cash Back This Holiday Season</a>)</p> <h2>11. Renew your commitment to financial freedom</h2> <p>It's easy to go overboard during the holidays, whether it's on gifts or social activities. Don't let yourself off the hook on your financial goals just because it's the holidays. Stay committed to them and use the holidays to focus on gratitude rather than the mad dash to grab discounts.</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%2F11-ways-to-prepare-for-your-best-black-friday&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F11%2520Ways%2520to%2520Prepare%2520for%2520Your%2520Best%2520Black%2520Friday.jpg&amp;description=11%20Ways%20to%20Prepare%20for%20Your%20Best%20Black%20Friday"></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/u5180/11%20Ways%20to%20Prepare%20for%20Your%20Best%20Black%20Friday.jpg" alt="11 Ways to Prepare for Your Best Black Friday" 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/11-ways-to-prepare-for-your-best-black-friday">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/8-frugal-skills-you-need-to-survive-black-friday">8 Frugal Skills You Need to Survive Black Friday</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/money-a-mess-try-this-personal-finance-starter-kit">Money a Mess? Try This Personal Finance Starter Kit</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/9-ways-to-use-miles-and-points-for-holiday-gifts">9 Ways to Use Miles and Points for Holiday Gifts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-black-friday-deal-without-leaving-home">6 Ways to Score a Black Friday Deal Without Leaving Home</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Shopping black friday budgeting cash back credit deals gifts holiday shopping money moves retail rewards sales Thanksgiving Thu, 09 Nov 2017 09:00:07 +0000 Mikey Rox 2050495 at http://www.wisebread.com 7 Beautiful Ski Resorts to Visit This Fall http://www.wisebread.com/7-beautiful-ski-resorts-to-visit-this-fall <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-beautiful-ski-resorts-to-visit-this-fall" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-524621933.jpg" alt="visit these ski resorts in the offseason" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ski resorts are notorious for large crowds, overpriced accommodations, and pricey lift tickets. But, did you know that you can get great deals in the offseason? You won't be skiing, but you can enjoy hiking, biking, and other fall adventures. Many ski resorts offer amusement park-like activities, discounted rates, and package deals to tempt vacationers in before the big crowds come in the winter.</p> <p>If you're looking for a peaceful, fun, and affordable place to take your family this fall, one of these seven ski resorts may be just the place for you. (See also: <a href="http://www.wisebread.com/5-cheap-fun-fall-getaways?ref=seealso" target="_blank">5 Cheap, Fun Fall Getaways</a>)</p> <h2>1. Breckenridge, Colorado</h2> <p>Breckenridge has been a go-to town ever since gold was found here in 1859. Hike or bike your way through bright autumn foliage, stopping to take a look at some of the many old gold mine remnants that dot the area. Later, shop for handmade goods in downtown boutiques, and relax in tantalizing restaurants and historic dive bars, including the Gold Pan Saloon, which has been in continuous operation for more than 130 years.</p> <p>If you get here before mid-September, you may even be able to enjoy Epic Discovery, where you can coast down the mountain on 2,500 feet of track, test your skills on a climbing wall, check out the view from a 10-tower zip line course, or bounce off a bungee trampoline. There's something for every age.</p> <p>Save up to 20 percent by buying the Great Summer Break package, which, despite its name, is valid through October. It includes lodging and Epic Discovery.</p> <h2>2. Stowe, Vermont</h2> <p>Stowe Mountain Resort is a beautiful New England getaway, and it partners with local businesses to offer you even more in fall. You can book activity and lodging packages at discounts of up to 35 percent off normal rates. Choose from adventure activities like soaring in a glider, hiking, mountain biking, ziplining, or just going on a local craft brew tour. For accommodations with a twist, splurge at the historic Trapp Family Lodge, which is still owned and operated by the von Trapp family from <em>The Sound Of Music</em> fame.</p> <h2>3. Snowbird, Utah</h2> <p>You won't have to drive far from the airport to get to this playground resort, located just six miles from Salt Lake City. Choose from amusement-park style activities built right into the mountain, including a vertical drop, alpine slide, and roller coaster, all open until October 8. If you get hungry in between all of the adventures, dip into one of the resort's 16 different eateries, ranging from a simple deli, to French, Mexican, and steakhouse cuisine.</p> <p>Snowbird Resort offers several fall deals to choose from, including an Oktoberfest package and a romantic retreat. (See also: <a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now?ref=seealso" target="_blank">10 Frugal Fall Getaways You Can Start Packing for Now</a>)</p> <h2>4. Boyne Mountain, Michigan</h2> <p>Boyne Mountain was built for golf lovers and their families. The resort is home to two golf courses, and two different golfing vacation packages are offered until mid-October that include access to some of the eight other golf courses in Boyne. If your family isn't that into golf, don't worry &mdash; the resort is also home to Michigan's largest indoor water park, Avalanche Bay. Or you can play disc golf or tennis, go hiking or ziplining, or go on a hayride and make s'mores around a bonfire.</p> <h2>5. Mammoth Mountain, California</h2> <p>Mammoth Mountain offers several fall vacation packages and can serve as a home base for wider exploration among the Sierra Nevada. Mammoth itself is an outdoor lover's dream: A bike park with 80 miles of trails competes with a half-dozen hiking trails and superb fishing in the nearby Mammoth Lakes Basin.</p> <p>If you want something a little more tame, you can also take a relaxing gondola ride to the mountaintop Eleven53 cafe, or hit the links at the Sierra Star golf course.</p> <h2>6. Blue Mountain, Ontario</h2> <p>Ontario might sound like a flat place compared to the Rocky Mountains, but there are still plenty of ski resorts. Blue Mountain in particular offers a ton of value for a smoking price &mdash; and if you're an American headed up north, your dollar stretches even further.</p> <p>Choose from some of the more traditional autumn ski-lodge offerings, including mountain coasters, zip lines, gondola rides, and even a heart-pounding bag jump. Unlike most landlocked ski resorts, however, Blue Mountain maintains its own private beach right on the shores of Lake Huron.</p> <h2>7. Jackson Hole, Wyoming</h2> <p>If rustic civilization is more your thing, you'll want to check out the Jackson Hole Resort. It offers great packages that'll place you in local accommodations with a list of breathtaking adventures. You can explore the eclectic town of Jackson Hole, visit nearby Yellowstone or Grand Teton National Park, go white-water rafting, scout for bison, wolves, bald eagles, and more on a wildlife safari, or go hiking in one of the most picturesque areas of the country.</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" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-beautiful-ski-resorts-to-visit-this-fall&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Beautiful%2520Ski%2520Resorts%2520to%2520Visit%2520This%2520Fall.jpg&amp;description=7%20Beautiful%20Ski%20Resorts%20to%20Visit%20This%20Fall"></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%20Beautiful%20Ski%20Resorts%20to%20Visit%20This%20Fall.jpg" alt="7 Beautiful Ski Resorts to Visit This Fall" 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/lindsay-vansomeren">Lindsay VanSomeren</a> of <a href="http://www.wisebread.com/7-beautiful-ski-resorts-to-visit-this-fall">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/10-little-known-secrets-to-saving-money-on-your-next-cruise">10 Little-Known Secrets to Saving Money on Your Next Cruise</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-more-fun-affordable-train-trips">5 More Fun, Affordable Train Trips</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-enjoy-fall-camping">10 Ways to Enjoy Fall Camping</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-6-best-vacation-deal-websites">The 6 Best Vacation Deal Websites</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/why-timing-is-everything-when-saving-money-on-travel">Why Timing Is Everything When Saving Money on Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel autumn biking deals discounts fall foliage hiking offseason ski resorts vacation Fri, 22 Sep 2017 08:30:10 +0000 Lindsay VanSomeren 2024912 at http://www.wisebread.com 10 Little-Known Secrets to Saving Money on Your Next Cruise http://www.wisebread.com/10-little-known-secrets-to-saving-money-on-your-next-cruise <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-little-known-secrets-to-saving-money-on-your-next-cruise" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_relaxing_on_cruise_drinking_cocktail.jpg" alt="Girl relaxing on cruise drinking cocktail" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cruising has long been considered an affordable vacation option for couples, groups, and families. With cruise ports dotted across the country, if you live near a coastline, you could probably drive to your departure port and save money on airfare. And with your food and entertainment included in the cruise fare itself, the bulk of your vacation expenditures are paid for upfront.</p> <p>Once you pay for your cruise, plus applicable taxes and port fees, you'll have little else to cover other than transportation, tips, alcohol, and cruise stop excursions.</p> <p>Of course, creative cruisers have been saving in other ways for years. With some out-of-the-box thinking, there are numerous ways to save on common cruise &quot;extras&quot; or avoid them completely.</p> <p><span style="color: rgb(17, 17, 17); font-family: georgia; font-size: 1.5em; font-weight: normal;">1. Book when &quot;kids cruise free&quot;</span></p> <p>With onboard kids' clubs, pools, water parks, and endless family-friendly activities to choose from, most cruises are ideal for families with kids.</p> <p>Still, you may be able to save even more if you book a cruise where &quot;kids cruise free.&quot; Believe it or not, some of the <a href="http://www.wisebread.com/5-most-affordable-cruise-lines-for-families" target="_blank">most affordable cruise lines for families</a> waive cruise fare for kids on at least some sailings. For example, MSC Cruises has the most enticing offer, which is year-round. On many of their Caribbean cruises, children ages 11 and under cruise free with paid adults.</p> <p>Keep in mind, however, that even &quot;free&quot; kid cruises require the payment of government-mandated taxes and port fees for your stowaways.</p> <h2>2. Save up to 82 percent on last-minute cruises</h2> <p>While many people plan their cruise vacations far ahead of time, you can save a bundle if you wait until the last minute. A website called VacationstoGo.com promises up to 82 percent off unsold cruises that depart within 90 days.</p> <p>At the moment, you can score a six-night Alaskan cruise on Norwegian for as little as $449, or a four-night Caribbean cruise on Carnival for as little as $224 per person. A seven-night French Polynesia cruise on Paul Gauguin that retails for $7,000 per person can be had for $2,499 per head on certain dates.</p> <p>Keep in mind, however, that the lowest discount fares usually apply to interior rooms and may not include taxes and port fees.</p> <h2>3. Save with cruise-friendly rewards credit cards</h2> <p>An array of rewards credit cards let you earn points redeemable for any cruise of your choosing. Most of the <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">best travel credit cards</a> offer this option, especially flexible cards.</p> <p>Carnival and several other cruise lines offer their own co-branded credit card with a sign-up bonus and ongoing earning potential, as well. If you want to save money, it helps to check out the <a href="http://www.wisebread.com/best-credit-cards-for-cruises" target="_blank">best credit cards for cruises</a> ahead of time.</p> <h2>4. Bring your own booze</h2> <p>While cruises include food, snacks, entertainment, and some drinks, most don't include alcohol in their regular cruise fares. Unfortunately, onboard drinks are notoriously expensive, and they can really add up if you don't watch it.</p> <p>The good news is, you may be able to bring your own booze on board &mdash; specifically wine. Each cruise line has its own policy. For example, Carnival lets you bring up to one bottle of wine per person in your luggage on embarkation day.</p> <h2>5. Book your own excursions</h2> <p>Cruises are interesting because they let you visit multiple destinations with a diverse offering of activities. On the flip side, &quot;excursions&quot; are not generally included in cruise fare and can be expensive on their own. Sometimes excursions can cost as much as the cruise itself!</p> <p>Most of the time, you can avoid cruise ship markup by booking excursions yourself. Imagine your Carnival cruise stops in Aruba and you want to go snorkeling in the crystal clear waters. You could book Aruba's Dushi Sail &amp; Snorkel excursion with lunch through Carnival for $89.99 per adult, or you could book directly with the operator for $61 per adult.</p> <p>Websites like <a href="http://www.viator.com/" target="_blank">Viator.com</a> are especially helpful when it comes to booking shore excursions at a discount.</p> <h2>6. Skip the excursions</h2> <p>Most cruise stops offer free stuff to do in addition to paid shore excursions. If you're creative and flexible, you can enjoy each port without paying an arm and a leg.</p> <p>Most beach destinations have free public beaches, and other stops let you sightsee or visit parks for free. <a href="http://boards.cruisecritic.com/" target="_blank">Cruise critic forums</a> are a great place to get ideas for free stuff to do. You can also gain insights on local bus routes that will take you away from the port and off the beaten path for cheap.</p> <h2>7. Get your status matched</h2> <p>Cruise &quot;status&quot; works a lot like hotel or airline status. If you cruise with the same cruise line often enough, you can eventually earn status upgrades good for cruise discounts, room upgrades, early boarding, and additional perks.</p> <p>But, what if you're tired of cruising with the same company over and over? While it's not well known, cruise lines will occasionally &quot;match&quot; your status to earn your business. MSC Cruises does this all year long, and will match your cruise or even your hotel status to earn your business.</p> <h2>8. Book a repositioning cruise</h2> <p>When cruise lines need to move their ships from one place to another during seasonal changes, rather than sending an empty cruise ship, they will often offer a repositioning cruise at a steep discount. These one-way journeys &mdash; say, from Alaska to Hawaii &mdash; may offer a few stops in the early part of the trip, but otherwise, you are at sea for much of the time. You can still enjoy the sea views and take advantage of onboard activities.</p> <p>You can shop for repositioning cruises on any cruise website, and on discount travel websites like Expedia and Travelocity. You can also scoop even lower fares on repositioning cruises through <a href="http://vacationstogo.com/repositioning_cruises.cfm" target="_blank">VacationtoGo.com</a>.</p> <h2>9. Get a credit card with no foreign transaction fees</h2> <p>Cruising to multiple international destinations sounds like a lot of fun, and using your credit card is usually the best way to get around without exchanging currency. Unfortunately, many cards charge a foreign transaction fee that tacks an extra 3 percent onto everything you buy.</p> <p>You can get around these extra charges by signing up for a <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">credit card with no foreign transaction fees</a> before your cruise. Some cards that fall into this category have rewards programs that make them even more valuable, and/or come without annual fees, too.</p> <h2>10. Turn cruise gift cards into discounts</h2> <p>If you're into credit card rewards and have your heart set on a specific cruise, it can pay to combine both goals into one. By purchasing gift cards for your favorite cruise line with your rewards card, you can earn more rewards over time, even using them to offset the cost of your cruise if you want. Check your credit card rewards portal to see if it offers cruise gift cards as redemption options for your points. Otherwise, use your favorite rewards credit card to purchase them.</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" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-little-known-secrets-to-saving-money-on-your-next-cruise&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Little-Known%2520Secrets%2520to%2520Saving%2520Money%2520on%2520Your%2520Next%2520Cruise.jpg&amp;description=10%20Little-Known%20Secrets%20to%20Saving%20Money%20on%20Your%20Next%20Cruise"></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%20Little-Known%20Secrets%20to%20Saving%20Money%20on%20Your%20Next%20Cruise.jpg" alt="10 Little-Known Secrets to Saving Money on Your Next Cruise" 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/10-little-known-secrets-to-saving-money-on-your-next-cruise">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-6-best-vacation-deal-websites">The 6 Best Vacation Deal Websites</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</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/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Amazing Destinations You Can Go to With Rewards Points and Miles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-airline-rewards-programs-for-trips-to-europe">The Best Airline Rewards Programs for Trips to Europe</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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel booking cruise ships cruises deals discounts kids points ports rewards sailing saving money vacation Thu, 24 Aug 2017 08:09:50 +0000 Holly Johnson 2008286 at http://www.wisebread.com 31 Foolproof Ways to Lower Your Grocery Bill http://www.wisebread.com/31-foolproof-ways-to-lower-your-grocery-bill <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/31-foolproof-ways-to-lower-your-grocery-bill" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_shopping_in_supermarket.jpg" alt="Couple shopping in supermarket" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Americans are spending more on food now than they have over the past decade, according to the Food Institute. That doesn't mean buying groceries has to break your budget. Here are over 30 ways to cut costs at the supermarket.</p> <h2>1. Use the best credit card</h2> <p>One often overlooked but simple way to cut costs is by using the right credit card for your groceries. Imagine getting 6 percent of your purchases back as cash back, without a single coupon. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">Use These Credit Cards at the Supermarket</a>)</p> <h2>2. Set a budget</h2> <p>Take a look at all of your grocery expenses over the past few months &mdash; or even the past year, if you have the records &mdash; and figure out how those expenses mesh with your other financial goals. Could you cut back and make more room for other items in your budget, including savings? Come up with a target grocery budget and then track (and adjust) your spending to make sure that you stick to that budget each week.</p> <h2>3. Shop at home first</h2> <p>Purchasing items that you already have at home can be a waste of both time and money. Be sure to quickly inventory your pantry and refrigerator before you hit the supermarket so you haven't forgotten about purchases you've already made.</p> <h2>4. Plan your meals</h2> <p>Once you've taken stock of the ingredients you have at home, come up with a few meals that make use of them with the addition of as few ingredients as possible. Then you can pick up only the items that you need, and reduce weekday stress of figuring out what's for dinner.</p> <h2>5. Shop the circular</h2> <p>Look through the weekly deal list put out by most supermarkets (you can typically find them online) to see what's on sale and plan your meals around those items. Typically the items on the front page of the circular are &quot;loss leaders,&quot; or merchandise that's offered at an extra discount in order to lure customers into the store.</p> <h2>6. Make a list</h2> <p>Once you've got a meal plan, it's easy to make a list of exactly what you need for the week. Shopping from a list also reduces impulse purchases and insures that you won't forget items, which could require another trip to the store and present another opportunity to overspend.</p> <h2>7. Play the coupon game</h2> <p>Whether you're clipping them from newspapers or downloading them online, coupons are an easy way to find savings on items that you're purchasing anyway. Keep an eye on expiration dates, and look for stores that will double coupons for extra savings. But don't get tempted to buy things you don't need, just because you've got a coupon. It's not a bargain if it's unnecessary.</p> <h2>8. Switch up stores</h2> <p>Different grocery stores offer better discounts on different categories of purchases. Over time you may have come to know where to get the best deals on different items. But make sure you keep an eye on changing prices and sales. Once you've planned your list, look through the various circulars to figure out which store is offering the most compelling deals for you this week and shop there. Next week, you may find it worth trying your luck somewhere else. (See also: <a href="http://www.wisebread.com/10-affordable-alternatives-to-the-grocery-store?ref=seealso" target="_blank">10 Affordable Alternatives to the Grocery Store</a>)</p> <h2>9. But show some loyalty to all of them</h2> <p>Join the loyalty programs of the various supermarkets where you shop to get additional discounts and coupons at the register. Follow them on social media, too, for notice of special sales or discounts.</p> <h2>10. Stock up on deals</h2> <p>Pay close attention to the prices of nonperishable items you purchase often. Then, when you see a good deal, purchase as many as you have room for.</p> <h2>11. Ask for a rain check</h2> <p>If you see a great deal advertised in the circular or the store but the item is sold out, you can still get that sale price. Most stores will give you a &quot;rain check,&quot; or a voucher to purchase the item at the sale price at a later date.</p> <h2>12. Cut back on meat</h2> <p>Meat is one of the most expensive items that you put in your grocery cart each week. If going completely vegetarian won't work for your family, consider adopting Meatless Mondays or making meat the side dish instead of the main course for some meals.</p> <h2>13. Stay in season</h2> <p>Fresh produce costs less when it's in season, so try to time your purchases accordingly. You'll get the best prices on berries, for example, in the summer, while oranges are cheapest in the winter months. Planning your meals around what's in season ensures you'll get the best flavors, too.</p> <h2>14. Put your freezer to work</h2> <p>If you have a hankering for off season fruits or vegetables, see whether they're available in the frozen aisle. Frozen produce is typically picked at its ripest and immediately frozen, locking in many of its nutrients. You can use your freezer to reduce other grocery costs as well, freezing meat purchased at a discount or extra portions of meals you've cooked before they go to waste.</p> <h2>15. Call in the subs</h2> <p>Swap out high-cost ingredients in recipes for lower-cost substitutes that can reduce the overall cost of the meal without sacrificing taste. Try turmeric rather than saffron, for example, or cream cheese in place of goat cheese.</p> <h2>16. Hit up a warehouse store</h2> <p>Warehouse stores often have lower per-unit prices than grocery stores on items like paper goods, cleaning products, and toiletries. They may also have good deals on food items, but make sure that you're not buying so much food that it could go bad before your family eats it all. (See also: <a href="http://www.wisebread.com/best-credit-cards-to-use-at-costco?ref=seealso" target="_blank">Best Credit Cards to Use at Costco</a>)</p> <h2>17. Bring your own bag</h2> <p>Some grocery stores offer a discount to shoppers who bring their own reusable shopping bags. Bonus: You'll be helping the environment while you shop.</p> <h2>18. DIY</h2> <p>Some of the most expensive items in grocery stores are prepared foods or those where some of the prep work has been done for you. If you can take the time to chop your own fruits and vegetables, grate your own cheese, marinate your own fish, or boil you own eggs, you can pay significantly less.</p> <h2>19. Don't go all in with organics</h2> <p>In general, produce that has a thicker skin (things like avocado, mangoes, and grapefruit) have lower levels of pesticides than those without (such as strawberries, spinach, nectarines, and apples). Consider spending extra only for those foods that have higher pesticide levels.</p> <h2>20. Drink (tap) water</h2> <p>In addition to being expensive, drinks like soda and juice are full of sugar, so eliminating them is better for both your budget and your body. Bottled water is healthier, but it's also an unnecessary expense when you can drink water from your faucets for free. If water quality is an issue, a low-cost filter can help. Cutting down on bottles reduces hassling with heavy items and reduces your environmental impact as well.</p> <h2>21. Don't wander</h2> <p>Rather than walking through every aisle in the grocery store, don't even turn down those without items on your list. That will save you time and prevent unnecessary impulse purchases.</p> <h2>22. Become a gardener</h2> <p>Vegetable seeds are relatively inexpensive, and just a few plants can yield dozens of fresh veggies that you won't have to purchase later at the supermarket. If you're not up for a full vegetable garden, consider starting with an herb garden. That will allow you to pick and use herbs as needed, rather than being forced to purchase more than you need for a particular recipe at the grocery store.</p> <h2>23. Take it back</h2> <p>Didn't notice the mold on those strawberries in the store? Rather than throwing the whole container away, return it to the store. Most grocery stores have relatively generous return policies and will be happy to exchange your item for a fresh one.</p> <h2>24. Divide and conquer snacks</h2> <p>Single-serve snack portions cost a lot more than those purchased in a single large box or bag. Instead, purchase the larger size, and divide it into smaller portions at home.</p> <h2>25. Crunch the numbers</h2> <p>Check the price tag to see if it includes unit pricing (price per ounce, for example). If not, use your cellphone calculator to figure out the unit price and then compare that to other sizes and other brands to make sure you're buying the one that offers the most value.</p> <h2>26. Use apps</h2> <p>Your calculator isn't the only feature on your smartphone that could save you money at the grocery story. Try <a href="https://ibotta.com/r/jcsgjbv">Ibotta</a>, which will give you cash back on featured products if you submit a photo of your receipt; and ShopKick, which sends you rewards and discounts when you walk into a store and buy certain items. (See also: <a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop?ref=seealso">8 Apps That Actually Pay You to Shop</a>)</p> <h2>27. Try out the store brand</h2> <p>Many name-brand and generic products are literally the same thing with different packaging, and considerably different price tags. Compare ingredients lists to see if there are any noticeable differences. If not, go with the store brand.</p> <h2>28. Ignore checkout displays</h2> <p>Keep your eye on the register, your shopping partner, or your phone at checkout, rather than on the candy or other items on display. There's a reason the checkout line is filled with easy-to-grab items. A shopping list can help lower &quot;decision fatigue,&quot; but you'll still need to be on guard to get through that final gauntlet of temptations.</p> <h2>29. Eat (a healthy snack) before you shop</h2> <p>Shopping on an empty stomach can lower your resistance to impulse purchases and make you end up spending more. But it matters how you fill that empty stomach. Researchers at Cornell University have found that consuming a healthy snack before grocery shopping can increase the likelihood that you'll make healthy food choices while at the store.</p> <h2>30. Check sell-by dates</h2> <p>Look for items with the furthest-out sell-by date (often in the back of a display). That will give you more time to consume the product at home and reduce the chances that it will go to waste.</p> <h2>31. Consider subscription services</h2> <p>A local CSA may offer a monthly box of fruits and vegetables that cost less than it would at the supermarket. Other services like Amazon Fresh and <a href="http://www.shareasale.com/r.cfm?b=1025473&amp;u=255320&amp;m=54592&amp;urllink=&amp;afftrack=" target="_blank">FreshDirect</a> may offer discounted items that save you money, even after their monthly fee. Check out the options in your area and you may be surprised to find that these services can save you both time and money. (See also: <a href="http://www.wisebread.com/6-ways-having-your-groceries-delivered-can-save-you-money?ref=seealso" target="_blank">6 Ways Having Your Groceries Delivered Can Save You Money</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/beth-braverman">Beth Braverman</a> of <a href="http://www.wisebread.com/31-foolproof-ways-to-lower-your-grocery-bill">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-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-a-ton-by-eating-soup-every-day-and-never-get-bored">How to Save a Ton by Eating Soup Every Day (and Never Get Bored!)</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/this-simple-shopping-list-strategy-from-5-meal-plan-will-save-you-big">This Simple Shopping List Strategy From $5 Meal Plan Will Save You Big</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-12-best-frozen-food-values">The 12 Best Frozen Food Values</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-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping budgeting coupons deals frozen foods groceries grocery store meatless monday sales saving money supermarket Wed, 07 Jun 2017 08:31:05 +0000 Beth Braverman 1959963 at http://www.wisebread.com Beware These Sneaky Fees on Discount Airfare http://www.wisebread.com/beware-these-sneaky-fees-on-discount-airfare <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/beware-these-sneaky-fees-on-discount-airfare" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-518467790.jpg" alt="Discovering sneaky fees on discount airfare" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Discount airlines have broadened the base of those who can afford to fly. These no-frills carriers slash prices by limiting benefits and offering an a la carte airline experience. But sometimes, flying a discount airline isn't nearly as cheap as you think.</p> <p>If you've ever <a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds?ref=internal" target="_blank">priced airfare</a>, you've probably wondered why discount carriers offer lower prices and how they do it. How can Allegiant Air afford to let you fly from Cincinnati to Fort Lauderdale for $122 or less? And how can an international airline like WOW Air stay afloat when a round-trip flight from Boston to Reykjavik, Iceland costs less than $320? (See also: <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=seealso2" target="_blank">Best Travel Rewards Credit Cards</a>)</p> <p>The answer is &quot;unbundling,&quot; an industry practice that's been growing for the past decade. Back in the day, when you bought an airline ticket, you automatically got an advance seat assignment, checked bags, carry-ons, and even meals (it's true &mdash; ask your grandparents).</p> <p>Then came deregulation and rising fuel costs, and multiple airlines went bankrupt. Those that survived sought to boost profits by unbundling all those included services, meaning you had to start paying for many things that were once baked into the airfare. Airlines pitched this as a consumer benefit &mdash; why pay for checked bags if you're just bringing a carry-on? And it is a good deal for some passengers, but it's also a way for the airlines to make money &mdash; more than they made before unbundling.</p> <h2>Hidden fees on discount airlines</h2> <p>Discount airlines have taken the unbundling concept to the extreme, making them the most beloved airlines by some, and the most despised by others.</p> <p>Not only will you be charged for checking a suitcase, you'll also pay extra to carry on a bag too big to fit under your seat (in fact, Frontier Airline charges more for a carry-on than a checked bag). Usually, the earlier you pay for bags, the cheaper it will be. Wait until you get to the gate and you could pay as much as $100 for a carry-on.</p> <p>Then there are fees for choosing a seat, which goes up the more legroom you ask for. And you'll have to cough up extra for printing your boarding pass at the airport, for booking using a credit card, and even for water onboard (Spirit Airlines is notorious for charging $3 for water unless you need it to take medicine).</p> <p>Sometimes these fees can cost as much as the fare itself. Take Allegiant Air, for example. Round-trip airfare from Cincinnati to Fort Lauderdale rang in at around $122 for random dates in May, which is downright cheap. But if you dig a little deeper, you'll find the base fare includes almost nothing.</p> <p>Want an assigned seat near a window or an aisle? There's a fee for that (at least $10 each way). Need extra leg room? Roomier seats on this particular Allegiant flight start at $21, each way. You can bring one &quot;personal item&quot; on the plane for free (think: a purse), but you'll have to pay another $30 round-trip to bring a standard carry-on.</p> <p>If you want to check a bag, that's another $40 round-trip. And if you need an agent to print your boarding pass at the airport, that's another five buckaroos each way. Pay with a credit card? Tack on $8 each way.</p> <p>All of a sudden, your $122 flight surges to $238. While that's still affordable as far as airfare goes, it's nearly twice as much as the base price you were tempted with.</p> <p>The same thing is almost always true when you fly an international discount airline. That $320 WOW Air flight to Iceland? It's actually $523.92 when you add on taxes, a carry-on ($81.98 round-trip), a checked bag ($101.98 round-trip), and an assigned seat ($19.98 round-trip). Flying international for $524 is still pretty sweet, but the price is over $200 more than the $320 &quot;teaser price.&quot;</p> <h2>How to win the discount airline game</h2> <p>When you're shopping with a discount airline, make sure you know what is &mdash; <em>and what isn't</em> &mdash; included. Once you're abreast of which services and add-ons are charged on top of your base fare, you can compare prices with other airlines on an apples to apples basis.</p> <p>Here's a good example.</p> <p>Let's say you want to fly round-trip from El Paso, Texas to San Diego, California on May 5 returning May 12th of this year. As of this writing, the total cost for your base fare is just under $80 with Allegiant Air. Score!</p> <p>When you add on taxes ($60.37), basic seat selections ($18), a carry-on ($30), a checked bag ($40), and a printed boarding passes ($10), however, the price tag goes up to $228. Plus, it's an extra $16 if you pay with a credit card, so let's call it $244.</p> <p>If you search for the same flight with other airlines on Expedia, you'll find prices start at around $388 on American Airlines. Your seat selection and a carry-on are included in your fare, but you'll likely need to pay for $25 for a checked bag. All things considered, the Allegiant flight is still an awesome deal, it's just not<em> quite </em>as awesome as the upfront pricing makes it seem.</p> <p>The best way to navigate the total costs of your airfare is to run the numbers on every flight you book. You may have to go through a bunch of prompts and fine print to see how much more you'll pay for assigned seats, carry-on luggage, checked bags, and boarding passes. Make sure you understand whether each add-on price is for one way or round trip. Once you have a new price that includes the services you need, you can compare that price to what you'd pay on other airlines. Sometime, it's actually cheaper to just go with a legacy airline. (See also: <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=seealso" target="_blank">Best Sign-Up Bonuses for Airline Miles Credit Cards</a>)</p> <p>If you really want to save money with a discount airline, you can always consider purchasing the bare-bones option. Make do with whatever seat they give you, carry only a small bag with you, and print your boarding pass at home. If you don't need a lot of luggage and can sit next to anyone, your airfare should be rock bottom. (See also: <a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets?ref=seealso" target="_blank">10 Ways to Get Free (or Almost Free) Airline Tickets</a>)</p> <p>Also remember that at least one discount airline is known for &quot;transfarency&quot; &mdash; a term Southwest Airlines uses to describe its notable lack of fees. Southwest offers cut-rate airfare with no additional fees for seat selections, checked baggage, boarding passes, carry-ons, and even trip changes or cancellations. (See also: <a href="http://www.wisebread.com/why-southwest-airlines-is-the-best-domestic-airline-for-families?ref=seealso" target="_blank">Why Southwest Is the Best Domestic Airline for Families</a>)</p> <p>At the end of the day, it's up to you to figure out what's included and find the best deal. Sometimes discount airlines really do offer the best pricing in the friendly skies. Other times, their prices are no more than gimmicks.</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" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fbeware-these-sneaky-fees-on-discount-airfare&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FBeware%2520These%2520Sneaky%2520Fees%2520on%2520Discount%2520Airfare.jpg&amp;description=Beware%20These%20Sneaky%20Fees%20on%20Discount%20Airfare"></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/Beware%20These%20Sneaky%20Fees%20on%20Discount%20Airfare.jpg" alt="Beware These Sneaky Fees on Discount Airfare" 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/beware-these-sneaky-fees-on-discount-airfare">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/8-costly-flight-booking-mistakes-you-make-all-the-time">8 Costly Flight Booking Mistakes You Make All the Time</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/fly-out-of-these-airports-and-save-big-on-airfare">Fly Out of These Airports and Save Big on Airfare</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/21-unexpected-items-you-should-always-pack-in-your-carry-on">21 Unexpected Items You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-avoid-or-mitigate-flight-delays">9 Ways to Avoid or Mitigate Flight Delays</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler">15 Packing Secrets From a Professional Traveler</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel Airfare baggage deals discount airlines flights flying Hidden fees luggage tickets Mon, 01 May 2017 08:30:14 +0000 Holly Johnson 1935018 at http://www.wisebread.com This Simple Negotiating Trick Puts Money in Your Pocket http://www.wisebread.com/this-simple-negotiating-trick-puts-money-in-your-pocket <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/this-simple-negotiating-trick-puts-money-in-your-pocket" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-513381684.jpg" alt="Man using negotiating trick to keep money in his pocket" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>When you hear the word &quot;anchoring,&quot; what comes to mind? No doubt something that involves a ship dropping anchor, or perhaps fixing something to a wall or floor. But it's also a known technique used in sales and negotiations that helps people get what they want.</p> <p>The basic premise is not unlike that ship dropping its anchor, only instead of keeping the vessel in one place, it keeps your mind there. Whether it's a price, a salary, a sale, or a goal, this technique anchors your mind at a certain level. Then, all decision-making is based on that first piece of information you were given.</p> <p>Let's take a look at how it can be used to help you get what you want, save money, and even achieve a lot more around the house.</p> <h2>Negotiate a Bigger Raise or Starting Salary</h2> <p>Many people foolishly wait for the other person to make the first move when it comes to salary negotiations. The thinking here is that you don't want to show any of your cards too soon. Well, that's the complete opposite of what you should actually do. Using the anchoring technique, you can choose a salary that sets the starting point for the negotiations.</p> <p>If you're an employer, throw out a figure that is way too low. If you're an employee, raise the bar higher than you'd expect to hit. If you ask for a $180,000 salary, and the actual salary on offer is $120,000, you may actually get a little more than what they originally intended to pay. It's much harder to come down to $120k from $180k than it is from $130k. Similarly, giving an employee an offer of $70,000 for a job you'd be willing to pay $120,000 is just as effective.</p> <h2>Sell a Product or Service for More Money</h2> <p>You don't have to be in a big business to use this effectively. It can work online, at a market stall, or even a garage sale. Here, you will use anchoring as a comparison tool.</p> <p>For instance, let's say you're selling vinyl records, which are very popular these days. Set a few vinyls on the table and mark them way above the price you actually want. Then, further back, put a larger selection of vinyls set at a price slightly above what you would like, but much lower than the other, more expensive records. When the patron comes to peruse the stock, they'll initially get sticker shock. But then, they see a vast drop off. That initial price of $20 per vinyl just dropped to $8. These $8 vinyls seem like a bargain. However, if they had all been marked at $8, or some cheaper ones had been placed first, that initial anchor price would have set the standard. Try it out. You'll be amazed at the results.</p> <h2>Get More Done at Home or at Work</h2> <p>If you're having trouble getting all of your tasks done, either at home or at the office, you can use anchoring as a way to be more productive. In this case, it can be overwhelming to have 20 different things to do when you get home. You are anchored to a task list so large that you simply don't do any of them.</p> <p>Instead of 20, anchor yourself at a more manageable number. How about five? Divide those 20 tasks into five groups of four, and attack them that way. For example, instead of organizing the fridge, doing the dishes, cleaning the stove, and wiping the counters, your task instead becomes &quot;clean the kitchen.&quot; By grouping your activities, and creating a smaller list of tasks, you are anchoring yourself at a much more achievable goal. At the office, it's the same thing. Don't give yourself a massive list of tasks. Instead, divide and conquer.</p> <h2>Get a Better Price on a Car or a House</h2> <p>Car dealerships use anchoring all the time to get you to pay more for a vehicle. The sticker says $18,000, but in reality, they're willing to go as low as $13,000; they just never tell you that. It's time to turn the tables on them.</p> <p>When you go into the dealership, never tell them what you are prepared to pay for the car. Instead, set your price way lower. If you're ready to spend $20,000, tell them the most you can pay is $15,000. It's your hard stop. No more. The salesperson will now be anchored at that lower price, and will do whatever he or she can to get you to go past it by a few thousand dollars. This is good news for you, because in reality, you're going to spend a few thousand less than you actually wanted to pay. (See also: <a href="http://www.wisebread.com/17-things-car-salesmen-dont-want-you-to-know?ref=seealso" target="_blank">17 Things Car Salesmen Don't Want You to Know</a>)</p> <p>The same goes for buying a house. Your initial offer should be low. Not low enough to price yourself out of a bidding war, but low enough to set the expectations of the seller. And as an aside, if you're selling the home, go high. When you list the home at $300,000 and sell it for $280,000, the buyer thinks they saved $20,000. However, you may well have wanted $270,000 for the house. You just made an extra $10,000 and the buyer is happy with the deal.</p> <h2>Use Your Knowledge of Anchoring to Beat the Sales Staff</h2> <p>Whether you're buying a car, a bag of apples, a new set of wireless headphones, or a few books, anchoring will often come into play. Trained sales staff know how to use anchoring to get what they want. But, if you're prepared, you can become &quot;anchorproof&quot; and pay less. Here are a few techniques at your disposal.</p> <p>First, you can simply ignore their anchor, especially if it's ridiculously high or low. Now, you don't want to say &quot;No way,&quot; as this halts the process. Instead, use language like &quot;I see, that's not quite what I had in mind, let's look at this at a different way and find something we can both be comfortable with.&quot;</p> <p>If you don't want to do that, try an anchor that negates theirs. For example, at a car dealership, when the salesperson gives you the old &quot;We can take $3,000 off this car,&quot; you can reply &quot;Wow, that still puts it $3,000 above my maximum price.&quot;</p> <p>You can also deflect an anchor by offering one from a different company. At that same dealership, you can say &quot;That's a great discount, but it's still $2,000 more than the same vehicle on offer at ABC Dealership.&quot; Of course, to do this you have to have done your research. Make sure you know exactly what the prices are at competitors, and be ready to back it up.</p> <p>So, armed with all of this, you should now be ready to use anchoring to make and earn more money, and save money every time you have to negotiate a price. Go get 'em.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/this-simple-negotiating-trick-puts-money-in-your-pocket">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/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master">8 Negotiating Skills Everyone Should Master</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-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-these-8-questions-to-get-a-better-price">Ask These 8 Questions to Get a Better Price</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-jobs-that-pay-over-50k-and-dont-require-a-bachelors-degree">5 Jobs That Pay Over $50K and Don&#039;t Require a Bachelor&#039;s Degree</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building deals goals negotiating productivity raises salaries sales saving money selling strategy Wed, 15 Mar 2017 10:30:19 +0000 Paul Michael 1907105 at http://www.wisebread.com Should You Sign Up for That Store Credit Card? http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-you-sign-up-for-that-store-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-510513339.jpg" alt="Woman wondering if she should sign up for a store credit card" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Shop at enough chain retailers and you'll eventually be offered a chance to apply for a store credit card. Often it comes with a tempting discount on your purchase, and maybe even a <a href="http://www.wisebread.com/same-as-cash-store-offers-vs-0-intro-apr-credit-cards-which-is-right-for-you?ref=internal" target="_blank">promotional financing offer</a>. But how good are store credit cards, and should you get one?</p> <h2>Benefits of Store Credit Cards</h2> <p>Store credit cards do have some upside to consider.</p> <h3>Get Discounts<strong> </strong></h3> <p>Retailers usually offer a discount on your day's purchases when you apply for their credit card right at the register. If you are making major purchases, the savings could be significant. In addition, many store credit cards promise to send you coupons and advance sales notices throughout the year.</p> <h3>Earn Rewards</h3> <p>Another benefit that a store card may offer is a rewards program that lets you earn points every time you buy something from the store. Rewards are often in the form of credits toward future purchases. The <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=internal" target="_blank">best store cards</a> offer rewards or discounts of up to 5% of the amount spent.</p> <h3>Build Credit</h3> <p>Retail credit cards typically have much lower qualifications for approval than other credit cards. If you have a poor credit score or a limited credit history, you might be able to qualify for a store credit card before you can be approved for other cards. In this way, retail credit cards can help you <a href="http://www.wisebread.com/why-you-need-credit-and-how-to-build-it-from-scratch?ref=internal" target="_blank">build a credit history</a> from scratch, or <a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps?ref=internal" target="_blank">rebuild your credit</a> after financial setbacks. (See also: <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score?ref=seealso" target="_blank">How to Use Credit Cards to Improve Your Credit Score</a>)</p> <h2>Disadvantages of Store Credit Cards</h2> <p>Now, the downsides.</p> <h3>High APR</h3> <p>While it's easier to be approved for a store credit card, it will likely have less competitive interest rates than other cards. While the average credit card has a standard APR of about 15%, it's not uncommon to find store cards with rates in the high 20s or even the 30s.</p> <h3>Limited Use</h3> <p>A store credit card may not be part of a larger payment network such as Visa or MasterCard, either. If so, then you will only be able to use your card for purchases at that store and its website, not at other merchants.</p> <h3>Lower Rewards</h3> <p>Retail credit cards may not even offer very strong rewards programs. Some store cards offer rewards valued at just 3% or 4% of your spending, which is not much higher than you could expect from one of the most competitive reward credit cards. Also, a store card's rewards will usually be in the form of store credit, which is never as valuable as <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back rewards</a>.</p> <h3>Opportunity Cost</h3> <p>You always have to consider the opportunity cost of applying for a retail credit card. Since you can't practically apply for <em>every </em>credit card you are offered (and even if you could, too many applications hurt your credit score), you have to consider if a store credit card is a better deal than the best offers available elsewhere.</p> <p>For example, another credit card could offer you a <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=internal" target="_blank">sign-up bonus</a> worth far more than a one-off discount on your day's purchases. And a store credit card rarely has a rewards program that's as good as the most competitive reward cards. Additionally, there are credit cards available directly from banks that feature <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">0% interest on new purchases</a>. That's superior to the promotional financing offers available from most store credit cards.</p> <h3>When It's Okay to Sign Up for a Store Card</h3> <p>If you find that you are consistently buying from one particular store, it may be worthwhile to consider whether rewards and discounts from its store credit card will put a dent in your regular spending there. But don't impulsively agree to signing up at the register for a one-time discount. Smart spenders don't just consider their purchases carefully; they also choose their payment options wisely.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/7-ways-to-save-loads-of-money-using-credit-cards">7 Ways to Save Loads of Money Using 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/the-10-best-couponing-apps">The 10 Best Couponing Apps</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-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping bad deals credit deals department stores discounts offers saving money Fri, 17 Feb 2017 10:31:23 +0000 Jason Steele 1893290 at http://www.wisebread.com 7 Ways to Save Loads of Money Using Credit Cards http://www.wisebread.com/7-ways-to-save-loads-of-money-using-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-save-loads-of-money-using-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-514475258.jpg" alt="Woman finding ways to save money using credit cards" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For many people, credit cards are simply a payment method. But savvy users take advantage of the additional benefits and services that only credit cards offer. A credit card may give you cash back, free travel, insurance, and other services worth hundreds or even thousands of dollars a year. Check out some of the most significant ways you can save money by paying with credit cards. (See also: <a href="http://www.wisebread.com/4-surprising-reasons-to-always-use-your-credit-card?ref=seealso" target="_blank">4 Reasons You Should Always Use Your Credit Card to Pay</a>)</p> <h2>1. Get an Interest-Free Loan for a Large Purchase</h2> <p>If you can't afford something, it's always best to either forgo it or save up for it before making the purchase. In some cases, however, you don't have the option of waiting. Your refrigerator dies just when you need a new transmission, or your dentist orders a root canal, stat. If you are disciplined, you can swing free financing on that fridge or dental work by getting a <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases?ref=internal" target="_blank">credit card with a promotional 0% APR on purchases</a>. These cards allow you to make new charges and carry a balance with no interest for an introductory period &mdash; in some cases, as long as 21 months. After that, your purchases will be subject to the card's standard interest rate. As long as you make your payments on time and clear your balance within the intro period, you'll stay out of debt. (See also: <a href="http://www.wisebread.com/same-as-cash-store-offers-vs-0-intro-apr-credit-cards-which-is-right-for-you?ref=seealso" target="_blank">The Difference Between Store Credit Offers and 0% Credit Cards</a>)</p> <h2>2. Get a Break From Interest on Debt</h2> <p>Sometimes bad decisions in the past continue to haunt us. Interest that continues to accrue on current debt makes it even harder to make up for those bad decisions. Once you've decided to put your financial life back in order and <a href="http://www.wisebread.com/5-day-debt-reduction-plan-pay-it-off?ref=internal" target="_blank">create a debt repayment plan</a>, one of the best tools you can use to help <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">pay off debt faster</a> is a balance transfer to a card <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">offering an intro 0% APR</a>. These offers allow you to take a break from your interest charges so that you can devote 100% of your monthly payments toward paying down the principle. These interest-free offers can last up to 21 months, giving you the time you need to finally pay off your debt. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=cc_article" target="_blank">When to Do a Balance Transfer</a>)</p> <h2>3. Earn Cash Back<strong> </strong></h2> <p>Are you diligent about paying off your credit card bill each month? If so, getting a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back card</a> is a no brainer. You can get a card that gives a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=internal" target="_blank">flat rate percentage for all purchases</a>, allowing you to get unlimited cash back. Or you can get a card with a higher return for the category that you spend the most in. For example, certain cards offer <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=internal" target="_blank">big cash back rewards for groceries</a>. There's no reason you shouldn't get <a href="http://www.wisebread.com/best-credit-cards-for-everyday-purchases?ref=internal" target="_blank">rewarded on your everyday expenses</a>.</p> <h2>4. Get Free Travel</h2> <p>You can score hundreds of dollars worth of free travel by using a travel rewards credit card that gives you points or miles every time you use the card &mdash; again, assuming you clear your credit card balance every month. There are <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">different types of travel rewards cards</a>. Some allow you to use rewards to get a statement credit for any type of travel purchase you make on the card. Others let you <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal" target="_blank">transfer points to airline or hotel</a> loyalty programs so you can claim award flights and stays. Many offer <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">valuable sign-up bonuses</a> that can get you free flights fast, and money-saving travel perks such as free checked bags and even exclusive <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=internal" target="_blank">airport lounge access</a>. The best travel rewards card for you depends on your travel preferences and habits. Need more advice? Check out <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">our favorite travel rewards cards</a>.</p> <p>See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso2" target="_blank">12 Travel Perks You Didn't Know Your Credit Card Had</a></p> <h2>5. Use Free Travel Insurance</h2> <p>Credit cards can be essential when you are traveling not just for their <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=internal" target="_blank">security and convenience</a>, but because they include important insurance. For instance, you can decline your rental car company's expensive optional insurance and use your <a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?ref=internal" target="_blank">credit card's collision damage waiver policy</a> instead. Some credit cards also have coverage that reimburses you for additional expenses in the event that your trip is delayed or canceled, your <a href="http://www.wisebread.com/the-airline-lost-your-luggage-now-what?ref=internal" target="_blank">luggage is lost</a>, or you're <a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards?ref=internal" target="_blank">hurt while traveling</a>. Just be sure to check with your card issuer to find out which policies your card has, and what they cover. (See also: <a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about?ref=seealso" target="_blank">6 Types of Travel Insurance Your Credit Card Includes</a>)</p> <h2>6. Protect Your Purchases</h2> <p>Many credit cards come with <a href="http://www.wisebread.com/how-credit-cards-protect-your-purchases-from-damage-or-theft?ref=internal" target="_blank">valuable purchase protection policies</a> that repair or replace your purchase if it's damaged or stolen, typically within 30&ndash;90 days of when you buy the item. In addition, most cards offer <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer?ref=internal" target="_blank">extended warranty</a> programs that add up to two years to your manufacturer's warranty. That can save you a bundle on expensive service plans. (See also: <a href="http://www.wisebread.com/how-free-extended-warranties-work-on-credit-cards?ref=seealso" target="_blank">How Free Extended Warranties Work on Credit Cards</a>)</p> <p>Some cards even offer return protection policies, meaning they'll accept your return if the store won't. You'll need to ask to make the return within 90 days of purchase, but that's still longer than many stores allow for refunds.</p> <p>All this is included as long as you pay for the purchase with a card that offers these features. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso" target="_blank">14 Awesome Credit Card Perks You Didn't Know About</a>)</p> <h2>7. Get a Price Match</h2> <p>Not only can your credit card protect your purchases from theft or damage, it may also provide <a href="http://www.wisebread.com/how-to-get-a-price-match-through-your-credit-card?ref=internal" target="_blank">price matching services</a>. If the price goes down on a purchase you made (within a specified amount of time), your card may reimburse you for the difference. Different cards have different policies, but usually you don't have to do anything more than submit a claim. Sometimes the card will even track prices for you and automatically issue you a credit for the price difference. (See also: <a href="http://www.wisebread.com/citi-credit-card-offers-applications-reviews?ref=seealso" target="_blank">Citi Credit Cards and Benefits</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/7-ways-to-save-loads-of-money-using-credit-cards">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/should-you-sign-up-for-that-store-credit-card">Should You Sign Up for That Store Credit Card?</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/11-ways-to-prepare-for-your-best-black-friday">11 Ways to Prepare for Your Best Black Friday</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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-credit-cards-with-annual-fees">Best Credit Cards With Annual Fees</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/reduce-your-credit-limits-to-manage-your-spending">Reduce Your Credit Limits to Manage Your Spending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping big purchases borrowing credit deals offers rewards Wed, 15 Feb 2017 10:30:23 +0000 Jason Steele 1892610 at http://www.wisebread.com 5 Cities Where Airbnb Is Way Cheaper Than a Hotel http://www.wisebread.com/5-cities-where-airbnb-is-way-cheaper-than-a-hotel <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-cities-where-airbnb-is-way-cheaper-than-a-hotel" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_paris_travel_486971456.jpg" alt="Woman traveling to cities where Airbnb is cheaper than a hotel" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since it was first founded in 2008, Airbnb has become a household name, nearly synonymous with the concept of short-term rentals. According to their website, Airbnb properties are available in more than 34,000 cities in over 190 countries, with 60 million users. This can be a great way to <a href="http://www.wisebread.com/how-to-stay-in-a-5-star-hotel-for-less-than-the-cost-of-a-motel?ref=internal" target="_blank">save on accommodations</a> while traveling. (See also: <a href="http://www.wisebread.com/3-ways-to-get-hotel-deals?ref=seealso" target="_blank">3 Easy Ways to Get Hotel Deals</a>)</p> <p>By offering accommodation in locals' homes and apartments, Airbnb is often able to offer lower rates than traditional hotels, sometimes at unique properties or with added perks (like full kitchens). For solo travelers, renting a room with Airbnb can also be a great way to get to know a local host.</p> <p>However, you'll be giving up some hotel conveniences, too. <a href="http://www.wisebread.com/when-should-you-get-a-vacation-rental-instead-of-a-hotel" target="_blank">Airbnb isn't for everyone</a>. But if you're willing to forego hotel gyms and professional staff, here are five destinations where Airbnb is much more cost effective than a hotel.</p> <h2>European Destinations</h2> <p>In 2015, more than half of Airbnb's revenue was generated from its European listings. This is an important clue to consumers, as some of the best deals to be had are in expensive European capitals where Airbnb is doing some of its best business.</p> <h3>1. London</h3> <p>London is full of tourist sights that any traveler would be excited to see. This capital city is home to Big Ben, Westminster Abbey, and many diverse national museums. However, London is also one of the most expensive destinations for international travelers.</p> <p>Even budget options in London can be pricey, with hostel dorm rooms often upward of $20 a night for a bed in a room with eight to 10 other people. Needless to say, many travelers don't want to stay in those conditions, but to book a four- or five-star hotel in the city center costs $250 and up.</p> <p>According to a 2015 study by Busbud, Airbnb listings were $108 a night cheaper than hotels, making London one of the best destinations to consider saving with Airbnb.</p> <h3>2. Venice</h3> <p>Venice is another European destination you won't want to miss, but hotels here are notoriously expensive, averaging just over $230 a night according to the Busbud study. However, by booking with Airbnb travelers were able to save an average of $86.</p> <p>There are plenty of good ways you can put these savings to use while out enjoying the area. Be sure not to miss a trip out to Burano and Murano, small islands a short gondola ride away from Venice, known for glass working and artisanal lace production.</p> <h3>3. Paris</h3> <p>Airbnb's rapid growth in Paris was reported by The Wall Street Journal in 2015, with the city continuing to be a hub of Airbnb activity to this day. Paris has more than 55,000 listings that get a great deal of traffic from visitors, according to Inside Airbnb.</p> <p>Given that consumers can save more than $100 on average by booking with Airbnb, it's no surprise that the company has had such great success in Paris, a city with a reputation for being expensive.</p> <h2>In the U.S.</h2> <p>Airbnb can be an affordable alternative to hotels in the U.S., too. In fact, in 2013, a comparative study by Priceonomics found that, on average, to rent an entire apartment in the U.S. with Airbnb was 21% cheaper than paying for a hotel, while renting a single room with Airbnb was half the price of a hotel.</p> <p>Since 2013, the cost of hotels has only been rising, from an average of $110 to $120 in 2015. Given that Airbnb has been gaining traction considerably in the past few years, consumers in the U.S. now have more options than ever before.</p> <p>It is important to remember, however, that these are national averages. Every city varies a little and of course, some cities are more Airbnb-friendly than others. As with the European examples, it seems that in more expensive cities, consumers stand to save more from booking with Airbnb.</p> <h3>4. New York</h3> <p>New York received an estimated 58 million tourists in 2015, making it one of the biggest tourist destinations globally. From bustling Times Square, to Broadway, to Wall Street, to Ellis Island, to its wide array of unique parks and museums, there is no shortage of sights and entertainment for visitors.</p> <p>Plus, New York has the Airbnb listings to match. There's a whole array of options in many diverse neighborhoods. A quick search I made on Airbnb showed the average cost of accommodations was $142, factoring in all options, from a shared room to an entire apartment.</p> <p>Keep in mind that rates also depend on location, location, location.</p> <h3>5. Seattle</h3> <p>Seattle has the advantage of being a good-sized city, while also offering access to beautiful coastlines and nearby mountains. As Washington state's largest city, it attracts a fair amount of both domestic and international visitors.</p> <p>The average cost of a hotel room here in 2015 was $209, according to Statista, making it one of the more costly cities in the U.S. Those looking to book with Airbnb stand to save more than $80 on their reservation.</p> <h2>Places to Avoid Using Airbnb</h2> <p>While these five cities offer a great value on their Airbnb listings, there are also some places you don't want to use Airbnb. Barcelona, for instance, will cost you $140 more on average to book via Airbnb as opposed to a hotel.</p> <p>In the U.S., Austin (home of Airbnb competitor HomeAway) is a much more expensive place to stay with Airbnb, while Los Angeles comes out just about even. Using <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=internal" target="_blank">credit card reward programs for hotels</a> can make hotels even more attractive than Airbnb in some places.</p> <p>Airbnb can offer great value in notoriously expensive cities both in the U.S. and in Europe, but that doesn't mean it's always a great deal. Check out your destination before you book to be sure you're getting the best value.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-cities-where-airbnb-is-way-cheaper-than-a-hotel&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Cities%20Where%20Airbnb%20Is%20Way%20Cheaper%20Than%20a%20Hotel.jpg&amp;description=5%20Cities%20Where%20Airbnb%20Is%20Way%20Cheaper%20Than%20a%20Hotel" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Cities%20Where%20Airbnb%20Is%20Way%20Cheaper%20Than%20a%20Hotel.jpg" alt="5 Cities Where Airbnb Is Way Cheaper Than a Hotel" 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/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-cities-where-airbnb-is-way-cheaper-than-a-hotel">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-about-a-terrible-airbnb-stay">What to Do About a Terrible Airbnb Stay</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-vacation-rental-alternatives-to-airbnb">10 Vacation Rental Alternatives to Airbnb</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-6-best-vacation-deal-websites">The 6 Best Vacation Deal Websites</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</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/amazing-destinations-you-can-go-to-with-rewards-points-and-miles">Amazing Destinations You Can Go to With Rewards Points and Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel accommodations AirBnb deals Europe hotels short term rentals tourism united states vacation Mon, 30 Jan 2017 10:30:24 +0000 Nick Wharton 1871129 at http://www.wisebread.com 6 Smart Ways to Save Money This Year (Without Clipping a Coupon) http://www.wisebread.com/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-534001267.jpg" alt="save money without clipping any coupons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The days of exclusively saving money by clipping coupons are long gone. While using paper coupons still makes sense in many cases, there now exists a plethora of new ways to save when buying the stuff you need. Here are six new money-saving techniques that you should add to your toolbox this year. Your wallet will surely thank you.</p> <h2>1. Ibotta</h2> <p>The hottest money-saving app in recent years is <a href="https://ibotta.com/register?friend=jcsgjbv" target="_blank">Ibotta</a>, which takes grocery savings to a whole new level &mdash; no coupon clipping required. The app lets you redeem &quot;rebates&quot; in place of coupons on items you'll be buying anyways. It doesn't matter the store, or the price &mdash; you still collect the rebate. It even has rebates on generic items like milk, eggs, and loaves of bread.</p> <p>You simply unlock rebates via the app before your trip to the grocery store, do your shopping like you normally would, then upload a picture of your receipt as evidence of your purchase. Ibotta then credits your account with the rebate within 48 hours. Get at least $20 in your account, which won't take long if you're buying groceries for a family, and collect your earnings via PayPal or a gift card.</p> <h2>2. Become a #Hashtag Pro</h2> <p>Most folks who attempt to use social media to save money are doing it all wrong. If you're not using the famed hashtag correctly, you're probably not finding the best deals. For example, let's say you live in Atlanta and are looking for a screaming deal on a new bicycle on Twitter or Facebook. Be sure to use hashtags like #bike #deals and #atlanta rather than combining words like #BikeDeals or #DealsAtlanta. By breaking up the hashtag into separate words, you'll actually find deals on specific items and spend less time weeding through useless information.</p> <h2>3. Use Hyphens in Craigslist Searches</h2> <p>Craigslist is another fantastic resource to find deals on stuff that others are getting rid of, no coupon clipping required. But if you've ever used their search feature, you know it can be difficult to find exactly what you're looking for without having to sift through a bunch of junk.</p> <p>An easy workaround is to start using the hyphen (-) in your search queries. Specifically, use the hyphen to <em>exclude </em>or block certain words. For example, let's say you're looking for some gently used furniture, but would like to stay away from any IKEA items. Simply search &quot;Furniture -ikea&quot; and they'll automatically exclude all IKEA furniture from your search results. This is a huge time saver and can help you quickly find the best deals on exactly what you're looking for.</p> <h2>4. Ask About Store Markdown Days</h2> <p>Another great way to save at retailers, without using a coupon, is to figure out when your favorite stores do their clearance markdowns. After all, there is nothing more frustrating than showing up at a store like Old Navy and having the clearance section completely picked over. But if you're in the know, most Old Navy locations do their markdowns on Sunday and Monday mornings. So if you shop early in the week, you'll be able to take advantage of clearance deals when they're most likely to have your size and color.</p> <p>The bottom line is to always start a conversation with store employees and politely ask what day of the week they do their markdowns. Try it and you'll be amazed with how open most employees are with the information. Then plan your shopping trips accordingly and shop when there is ample clearance inventory and real opportunities to save money.</p> <h2>5. Look for Quantity Discounts</h2> <p>If you have any DIY projects planned for this year, and know you'll be buying in bulk, start thinking about quantity discounts that many retailers offer. No coupon required to qualify for these discounts. Think about things like lumber, nails, fencing, paint, and screws. Here are a few quantity discounts to be aware of.</p> <ul> <li>Home Depot: They call it <a href="http://www.homedepot.com/c/Pro_VolumePricing" target="_blank">Volume Pricing Discounts</a>. Once you build your project checklist, you'll qualify for a discount when your order exceeds $1,500.<br /> &nbsp;</li> <li>Lowe's: Through the <a href="https://www.lowes.com/cd_Lowes+Commercial+Services+Buy+in+Bulk_577249990_" target="_blank">Lowe's ProServices: Buy in Bulk</a> program, you'll score deals on contractor packs, reduced delivery fees, as well as a flat 5% discount.<br /> &nbsp;</li> <li>Costco: Available to all paying members, <a href="http://www.costco.com/volume-bulk-sales.html" target="_blank">Costco's Volume Sales Department</a> can hook you up with some exclusive quantity discounts.<br /> &nbsp;</li> <li>Sam's Club: Sam's offers what they call <a href="http://www.samsclub.com/sams/pallet-quantity-items/7470122.cp" target="_blank">Pallet Quantity Discounts</a> which will get you deals on stacking chairs, folding tables, office tables, and even sports drinks.</li> </ul> <h2>6. Use Grocery Store Loyalty Cards Religiously</h2> <p>While some grocery store loyalty cards are nothing more than a way to send you worthless advertising, many are <a href="http://www.wisebread.com/9-store-loyalty-programs-that-are-worth-it?ref=internal" target="_blank">absolutely worth your while</a>. This is especially true if the grocery store has a gas station attached to it that gives gas discounts via your loyalty card. (See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso" target="_blank">5 Best Gas Rewards Credit Cards</a>)</p> <p>Also, many grocery stores slash prices on meat, dairy, and bakery items via their loyalty card, making it another smart way to save. Many also allow you to add coupons found online to the card, completely removing the need to cut them out of the newspaper. Bottom line, be sure you're taking full advantage of the loyalty programs your local grocery stores provide. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">The 5 Best Credit Cards for Groceries</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</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-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</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-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps coupons deals hashtags ibotta markdowns retail saving money social media store loyalty Fri, 27 Jan 2017 10:30:26 +0000 Kyle James 1881614 at http://www.wisebread.com 7 Easy Ways to Save on Travel Gear http://www.wisebread.com/7-easy-ways-to-save-on-travel-gear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-easy-ways-to-save-on-travel-gear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-598248080.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>If you're getting ready for a big trip in the near future, you're probably discovering that buying travel gear can add up pretty fast. Maybe you're looking into investing in a good pair of hiking boots, a tent, and a sleeping bag. Maybe you just need new luggage or a backpack.</p> <p>Having the right supplies is a good way to ensure that the trip goes well, and some expenses just can't be avoided no matter what. The good news is your gear doesn't have to break the bank.</p> <h2>1. Shop Around for the Best Sales</h2> <p>Depending on where you're planning to go shopping, you'll always want to try to buy your items when they are on sale. This might mean buying last year's model, but if it's an investment piece such as sturdy luggage, you'll want to pick something that is timeless anyway.</p> <p>Some stores will have semiannual or annual sales, so ask a sales representative when their next sale will be. You can also subscribe to a store's email list to be notified of upcoming sales.</p> <p>When you're looking for the best deals on gear, start shopping earlier rather than later. Give yourself ample time before you leave on your trip and avoid paying full retail price at the last minute.</p> <h2>2. Check the Chain Discount Stores</h2> <p>Discount stores like TJ Maxx and Marshalls are great places to look for steeply discounted travel gear. Find cheap travel gadgets like portable scales to weigh your bags (so you can avoid airline overweight baggage fees) and space-saver bags, which vacuum seal to store your clothing flat.</p> <p>These little items can add up faster than you'd imagine, but buying them at a discounter will ensure that your budget for gear goes much further.</p> <h2>3. Use Rewards Points</h2> <p>Some retailers offer rewards programs to encourage you to shop at their store more frequently. Eastern Mountain Sports, for example, offers a good rewards program that gives you a certain percentage back on your purchases in the form of a coupon that they mail out every so often. Especially when you're planning big purchases, make sure that you are getting reward points that can help defray the cost of future purchases.</p> <p>Other stores may further reward you for opening a credit card with them. <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=internal" target="_blank">Store credit cards</a> can help you earn points faster and entitle you to special sales and discounts. If you're not familiar with their program, ask a sales representative before making your purchases. Just be sure you pay off your balance every month, because interest rates tend to be high on store cards.</p> <h2>4. Shop at the Right Time of the Year</h2> <p>To return to the example of Eastern Mountain Sports, this can be a great place to shop around the holidays. Often if you spend a certain amount, you will receive a gift card (usually for December, before Christmas).</p> <p>Even better are end-of-season sales (which often take place before the season is really over). Winter gear may go on sale as early as January; summer gear as early as July. Again, by planning ahead you can strategically purchase your travel gear when there are the best offers.</p> <h2>5. Consider Buying Secondhand</h2> <p>You don't always need your gear to be completely new and buying secondhand can be a great value if you're looking to significantly cut your costs. You can count on saving of at least 50% compared to buying new gear.</p> <p>There are some stores that specialize in secondhand gear and clothes, so check listings in your area to find out what your options are. You can also check online resources, like Craigslist and eBay, that will connect you directly with a seller.</p> <h2>6. Buy It When You Get There</h2> <p>Depending on where you're planning to travel, it may make more financial sense to hold off on your travel gear purchases until you arrive.</p> <p>For example, Nepal is a very common trekking destination and in the capital, Kathmandu, you can find entire streets filled with people selling sleeping bags, tents, and other trekking gear at steeply discounted rates from what you'd find in the United States.</p> <p>You can get quality, discounted gear in other places, too. In France, the store Decathlon offers good technical gear that is much more affordable than in the United States. Chamonix Alpine Equipment in Hong Kong has great prices on rock climbing shoes and other gear.</p> <p>Research your destination and find out how prices compare. Sometimes just waiting until you set off on your trip can save you a lot of money, plus the cost of transporting your gear there.</p> <h2>7. Does It Make Sense to Rent?</h2> <p>This is something every traveler needs to carefully consider. Sometimes rental costs can be exorbitant. Consider, for instance, renting a canoe at $45 a day. If you have the canoe for a week, you&rsquo;d have paid for the cost of the entire canoe.</p> <p>On the flip side, while you may not own the canoe, you do not have to haul it to your destination and back, store and maintain it, or find a buyer for it. All of that takes time &mdash; and money.</p> <p>Rentals often offer great convenience, especially if it's a one-time experience and not likely to be something that you will use again in the future.</p> <p>Whether you're buying new or used gear, or renting, there are many options to get a great value on travel gear. Decide what your priorities are and consider your budget before you get to the store. By doing a bit of research ahead of time, you can save a lot of money once you're ready to buy.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-easy-ways-to-save-on-travel-gear&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear.jpg&amp;description=7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Easy%20Ways%20to%20Save%20on%20Travel%20Gear.jpg" alt="7 Easy Ways to Save on Travel Gear" 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/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-easy-ways-to-save-on-travel-gear">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-known-secrets-to-saving-money-on-your-next-cruise">10 Little-Known Secrets to Saving Money on Your Next Cruise</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-through-the-airport-faster">How to Get Through the Airport Faster</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beware-these-sneaky-fees-on-discount-airfare">Beware These Sneaky Fees on Discount Airfare</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel deals discounts gear luggage rewards points travel Wed, 25 Jan 2017 10:30:25 +0000 Nick Wharton 1877970 at http://www.wisebread.com 8 Frugal Skills You Need to Survive Black Friday http://www.wisebread.com/8-frugal-skills-you-need-to-survive-black-friday <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-frugal-skills-you-need-to-survive-black-friday" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_shopping_bags_78628943.jpg" alt="Women learning frugal living skills to survive Black Friday" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Black Friday: It's a day some of us look forward to, and others dread. It's the one day of the year when stores seemingly lose all sense of reality and offer products at prices that are insanely low.</p> <p>Of course, anyone who really knows what's going on behind the scenes is well aware that the stores have not gone mad. Most are employing clever tactics, like loss leaders and limited doorbusters, to lure you in and get you spending. But if you arm yourself with the following frugal skills, you'll come out on top.</p> <h2>1. Iron-Clad Willpower</h2> <p>Temptation is everywhere on Black Friday. Even if you think you know every deal that's coming, you will be surprised by bargains you never dreamed of. This is the time to remain frugal, and hold firm to what you came there to get. A good way to think of it is this: If you didn't want it, no matter <em>how</em> cheap it was, it wasn't a bargain.</p> <p>Grabbing handfuls of DVDs and Blu-Rays priced at $1.99 each may feel like you're ripping the place off, but if you're never going to watch them, what's the point? This goes for everything you see that day. Hold firm. What do you need, and what do you want? You should only be buying what you need on Black Friday, because otherwise, you can get swept away by the hysteria and spend more than you planned.</p> <h2>2. A Healthy Dose of Skepticism</h2> <p>Do not, for one second, think that the deals being presented on Black Friday are the most incredible money-saving bargains around. Sure, the doorbusters will be great opportunities to save, but they are always available in very limited quantities (in some cases, only a handful per store). And unless you're planning to spend hours, or even days, waiting in line, you aren't going to get them.</p> <p>Many of the other deals you'll see on Black Friday have often been available on that price, <a href="http://www.wsj.com/articles/SB10000872396390443615804578042700772445448">or even lower,</a> on other days of the year. And as always, take that RRP (recommended retail price) with a huge grain of salt. This is the price you see as &quot;before,&quot; and the sale price as &quot;after&quot; &mdash; but chances are, the store never priced the item at that RRP.</p> <h2>3. The Patience of a Saint</h2> <p>Things are going to get tough, both mentally and physically, on Black Friday. There will be pushing and shoving, shouting and screaming, and sadly, injuries. The chaos can easily take hold of you, and before you know it you're right in there, grabbing at bargains, pushing people out of the way, and getting caught up in a world of trouble.</p> <p>Take a step back. Breathe. Be patient. Remember, this is all just stuff. It may be stuff you'd like to have, or give as a gift, but it is not worth your health or sanity. What's more, by giving into your more animalistic emotions, you can find yourself spending more money than you wanted to. The competitive spirit can cloud your judgment, spurring you to buy more than you ever wanted. Have patience. If you can't get what you want on the day, don't worry. There will be other days.</p> <h2>4. Complete Preparation</h2> <p>One of the keys to surviving Black Friday is knowing exactly what you want to buy before you ever leave the house. And not only what you want to buy, but how much you're willing to pay for it.</p> <p>On the day in question, your senses will be bombarded. Deals galore will hit you square in the face as you rush into each and every store, and it is very easy to become sidetracked. Before you know it, your cart is filled with everything but the items you actually wanted. So, stick to your guns, and stick to your list. The stores will all put out circulars well in advance of Black Friday. There are sites dedicated to Black Friday deals. Create a shopping list based on which stores you want to visit, what you want to get, and the top price you are going to pay. Follow it to the letter, and you'll stick to your budget and get the deals and items you really want.</p> <h2>5. A Good Memory</h2> <p>Most Black Friday deals are repeats of previous years. In fact, many of the <a href="https://d1l9zs272jkxri.cloudfront.net/blog/uploads/2016/09/20123212/Target-Black-Friday-Ad-2013p14-2014p14-2015p22_edited-1.jpg">deals are nearly identical</a>, down to the same brand, price, and stores offering them. Black Friday, for most companies, follows a specific formula. This is calculated. They know what people are shopping for, what will sell, and most importantly, what the healthy profit margins are. That's why you will continually see circulars offering huge discounts on luggage, pots and pans, boots, food processors, cheap DVDs, and even air mattresses.</p> <p>You won't, however, see huge discounts on the big video game systems, iPads, or other &quot;in demand&quot; tech. You will buy those regardless of the price, and stores are not going to miss out on those guaranteed dollars.</p> <h2>6. Knowing How to Compare and Save</h2> <p>Whatever your go-to way of price comparison shopping is, you need to have it locked down before the big day. Some people like apps such as <a href="http://shopsavvy.com/">ShopSavvy</a> or <a href="http://redlaser.com/application/">RedLaser</a>. Others simply pop the product into Google and see what prices show up. However you go about it, you need to have a strategy in place on the day. Don't buy anything without researching it first. If you're worried that the item will be scooped up by someone, hold onto it while you look it up. Is the deal on offer in that store the best one around? Is another store offering a mail-in rebate, or bundling it with other items for free? Your smartphone can save you hundreds of dollars on the day.</p> <h2>7. An Eye for Details</h2> <p>Frugal shoppers like to read the small print. They look at the little asterisks that are innocently slapped next to a price tag. They know that the devil is in the details, and in some stores, that devil can cost you quite a lot of money. So, get ready to look over every deal with the analytical mind of Sherlock Holmes. Is it really only $200, or are there strings attached? Do you have to buy two items together to get the price? Do you have to purchase the three-year extended warranty for the lower price? Is the steal of the day limited to only two stores in the whole state? Look closely, and make sure you are not being stung by small print.</p> <h2>8. Realizing Every Single Dollar Counts</h2> <p>Most of us are loss averse. We would much rather avoid losing $10 than find $10 in the street. On Black Friday, loss aversion can quickly crumble in the minds of shoppers. And the stores know just how to take advantage of it.</p> <p>For instance, after you buy a $450 laptop, what's another $25 on a laptop case, or a flash drive? The thing is, on any other day of the week, you would scrutinize those purchases and look around for better deals. But on Black Friday, you are shelling out so much money that the smaller purchases slip under your usually frugal radar. Remember, every dollar counts. Examine every deal, even the small ones. If they're not worth it on any other day of the week, they're not worth it on Black Friday.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-frugal-skills-you-need-to-survive-black-friday">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-prepare-for-your-best-black-friday">11 Ways to Prepare for Your Best Black Friday</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-ways-to-score-a-black-friday-deal-without-leaving-home">6 Ways to Score a Black Friday Deal Without Leaving Home</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-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</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-best-discount-shopping-days-of-the-year">7 Best Discount Shopping Days of the Year</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/why-people-go-crazy-on-black-friday">Why People Go Crazy on Black Friday</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping black friday christmas shopping deals doorbusters gifts holiday shopping price comparisons retail sales strategies willpower Wed, 16 Nov 2016 09:00:07 +0000 Paul Michael 1833770 at http://www.wisebread.com