deals http://www.wisebread.com/taxonomy/term/230/all en-US 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-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/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-2 views-row-even"> <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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-get-bumped-from-a-flight">What to Do If You Get Bumped From a Flight</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/15-packing-secrets-from-a-professional-traveler">15 Packing Secrets From a Professional Traveler</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-6-things-will-make-your-next-flight-more-comfortable">These 6 Things Will Make Your Next Flight More Comfortable</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-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-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/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-3 views-row-odd"> <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-4 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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-the-holiday-quiet-time-to-boost-your-career">How to Use the Holiday Quiet Time to Boost Your Career</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-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/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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</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-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/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-with-annual-fees">The 5 Best Credit Cards With Annual Fees</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/reduce-your-credit-limits-to-manage-your-spending">Reduce Your Credit Limits to Manage Your Spending</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-important-credit-card-lessons-your-parents-didnt-teach-you">6 Important Credit Card Lessons Your Parents Didn&#039;t Teach You</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-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/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/9-of-the-craziest-coolest-airbnb-listings">9 of the Craziest, Coolest Airbnb Listings</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-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/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-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/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-4 views-row-even"> <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-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-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-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/beware-these-sneaky-fees-on-discount-airfare">Beware These Sneaky Fees on Discount 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/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/9-affordable-travel-items-that-you-shouldnt-leave-home-without">9 Affordable Travel Items That You Shouldn&#039;t Leave Home Without</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-baggage-fees">6 Ways to Save On Baggage Fees</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-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/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-2 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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/december-deals-that-are-better-than-black-friday">December Deals That Are Better Than Black Friday</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-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You Know</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 Calculate the "Stock Up Price" to Save on These Baby Essentials http://www.wisebread.com/calculate-the-stock-up-price-to-save-on-these-baby-essentials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/calculate-the-stock-up-price-to-save-on-these-baby-essentials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/90635409.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>There is no question about it, babies are expensive. Cute, but expensive. One way to minimize the cost of caring for your baby is to stock up on essentials when they are at a &quot;Stock Up Price.&quot;</p> <p>&quot;Stock Up Price&quot; is the term given when a price point on an item is so low that you should buy several months' worth at one time. Of course, I am not suggesting you turn your garage or closets into a scene from <em>Extreme Couponing</em>. However, by buying extra baby essentials during great deals, you will save yourself money throughout the whole year. Also, it is always nice to avoid last minute runs to the store at closing time to buy baby items. (See also: <a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke?ref=seealso">24 Tips for Having a Baby Without Going Broke</a>)</p> <h2>Diapers</h2> <p>The funny thing about diapers is that when your little one goes up a size, the diaper box comes with less &mdash; and yet, you still pay more. The smaller the diaper, the cheaper it is, but usually the more you will use.</p> <p>For example, newborn diapers cost around .27 cents per diaper without sales or coupons, and size 5 diapers cost .38 cents per diaper (based off Target's current prices). However, newborns can easily go through 10 to 12 diapers a day (costing $2.70 to $3.24 a day). My 19-month old wears a size 5, but she only requires about five or six diapers a day (costing $1.90 to $2.28 per day).</p> <p>Here is a good stock up price list:</p> <ul> <li>Newborn: Under .15 cents per diaper</li> <li>Size 1: Under .15 cents per diaper</li> <li>Size 2: Under .16 cents per diaper</li> <li>Size 3: Under .19 cents per diaper</li> <li>Size 4: Under .20 cents per diaper</li> <li>Size 5: Under .20 cents per diaper</li> <li>Size 6: Under .21 cents per diaper</li> </ul> <p>To save the most money on diapers, stock up when they are at or below the above price. The easiest way to do this is to stock up during a good sale. My favorite places for finding diaper deals are Amazon and Target.</p> <p>Many times Amazon will have coupons on their diapers, which can be combined with Subscribe &amp; Save. The only problem with Subscribe &amp; Save is that you have to wait for your shipment within three to four weeks. I just purchased a box of 160 size 5 Pampers for $30.81 (this price included tax), or about .19 cents a diaper.</p> <p>When you see a phenomenal deal, stock up on other sizes, too. For those who are pregnant or with newborns, I don't suggest stocking up on diapers past size 4. My first child was tiny and ended up being potty trained early, so she only wore a box of size 4 before she was out of diapers all together.</p> <h2>Formula</h2> <p>I don't suggest stocking up on formula until you know if your baby takes a certain brand. With my first baby, we went through about 10 different formulas before we found one that didn't upset her stomach.</p> <p>Once you find the formula your baby likes, then I would stock up on it anytime you could get it 50% off. Since baby formulas vary greatly by brand and unique baby need, I won't give a set stock up price.</p> <p>With my first, we used Similac Sensitive, and I would try to combine coupons with Similac's formula checks and store deals to get the $25 tubs below $12 to $13 and buy five or six at a time. With my second, we used Baby's Only Organic Lactorelief formula for almost her whole infancy. It was tricky to save money on this formula because it was an online-only item and it did not come with coupons or formula checks. Instead, I got the $13.29 can of formula down to $8 or $9 by buying in bulk from third-party companies or using Jet.com promotional codes and coupons.</p> <p>When you stock up, be sure to look at expiration dates.</p> <h2>Baby Food</h2> <p>For jarred baby food, stock up when you can get the price from .25 cents to .35 cents a jar. Squeezable food pouches are a great deal at .25 cents to .40 cents (expect to pay more for the organic varieties). You can find great deals on baby food by matching store coupons with manufacturer coupons. I advise only stocking up on flavors you know your baby loves. If you happen to score a bunch of cheap jars of pureed carrots or prunes, and your baby hates them, don't worry. You can hide the purees in smoothies, baked goods, or soups instead.</p> <h2>Wipes</h2> <p>Wipes are one baby essential that every parent needs. You might be able to breast-feed, cloth diaper, and even make your own baby food, but admit it &mdash; there will always be a time you need a disposable wipe. Stock up on wipes when they are about .01 cents to .015 cents per wipe, or less than a $1 per package of 72 or more.</p> <p>Sometimes you can get the price on the wipes down to the stock up price on Amazon, but it is easier to do in-store at CVS or Target when there are store coupons and manufacturer coupons that you can combine.</p> <p>The idea is to stock up on baby essentials at the lowest price possible so that you don't have to pay full price. If you regularly stock up on baby essentials at 50% off retail price, then you can easily save hundreds of dollars on your first year as a parent. If you have leftovers, just donate them to a local orphanage or pregnancy center and write it off on your taxes.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/calculate-the-stock-up-price-to-save-on-these-baby-essentials">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/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</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-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</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-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> </ul> </div> </div> </div> </div><br/></br> Family Shopping babies baby food Bulk buying children deals diapers discounts formula stock up price Wed, 19 Oct 2016 09:30:29 +0000 Ashley Eneriz 1813255 at http://www.wisebread.com 5 Painless Ways to Lower Your Cell Phone Bill http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-painless-ways-to-lower-your-cell-phone-bill" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_phone_90400295.jpg" alt="Woman finding painless ways to lower her cellphone bill" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The smartphone has become a necessity for many of us as we use them for work, to communicate with our kids, and to keep our lives organized. Unfortunately, with this amazing technology often comes an expensive monthly bill. But with just a little bit of effort, you can easily lower your cell phone bill to a more budgetable amount. Here are some important steps to get you moving in the right direction.</p> <h2>1. Find Cheaper Companies That Access the Same Towers</h2> <p>Are you aware that discount cell carriers like Republic Wireless and Straight Talk Wireless access the same cell towers as Verizon, AT&amp;T, and Sprint? As a matter of fact, the big carriers actually own the cell towers and sell access to the smaller players at a highly discounted rate and pass the savings along to you. For example, Republic Wireless uses T-Mobile towers, and Straight Talk taps into Verizon, Sprint, and T-Mobile.</p> <p>Use this information to your advantage when deciding if one of the discount cell carriers is for you. Before you decide, be sure to analyze the cell coverage in your region before switching. For example, if your area has poor coverage with T-Mobile, but good with Verizon and Sprint, then Straight Talk might be a better option than Republic. You can save a lot of money every month if you do switch. For example, Straight Talk offers unlimited talk, text, and 5GB of data at 4G speed for only $45 per month. The same plan with Verizon will cost you over $70.</p> <h2>2. Learn to Negotiate a Deal</h2> <p>If you're happy with the carrier you currently have, but don't like how much you pay every month, consider calling them up to <a href="http://www.wisebread.com/the-6-monthly-telecom-bills-you-can-negotiate">negotiate a better rate</a>. This is especially true if you're month-to-month with your carrier and aren't under a contract. Start by doing a few minutes of homework and check out what the competition is offering. Take note of plans similar to yours that are cheaper. Those less expensive plans are going to be your negotiating ammunition.</p> <p>When you call customer service, tell the first person you speak with that you want to cancel your service as it's too expensive. Without fail, they'll transfer you to the customer loyalty or retention department. These are the folks who have the authority to lower your bill. Keep in mind that cell companies spend a lot of money on new customer acquisition and are often willing to throw you a bone to keep you on as a loyal customer. Immediately tell them about your research and the cell carrier you're considering switching too.</p> <p>At this point, the retention specialist will either offer you a discount to stay on as a customer, or tell you they can't meet the competitor's lower rate. In my experience, it's typically the former. At the very least, most company reps can help you dissect your bill in order to cut out any add-on services you might pay for, but rarely use.</p> <h2>3. Always Look for Employer Discounts</h2> <p>Many employers work with cell phone companies to provide their employee with a discounted rate. Some of the more popular jobs that often qualify include teachers, state and local government jobs, military, and many corporate jobs. Each provider offers a little different discount so your best bet is to check the big four linked below to see if you're eligible for a discount. Most discounts are in the 10%&ndash;25% range. For example, my wife is a public school teacher and she gets a 15% monthly discount from Verizon. All she had to do to get her discount was walk into a Verizon Store and show them proof of her employment.</p> <ul> <li><a href="https://mysprint.sprint.com/verify/?ECID=vanity:verify">Sprint</a></li> <li><a href="https://www.verizonwireless.com/b2c/employee/eleuLanding.jsp">Verizon</a></li> <li><a href="https://www.att.com/esupport/article.html#!/wireless/KM1001048">AT&amp;T</a></li> <li><a href="https://support.t-mobile.com/docs/DOC-4791">T-Mobile</a></li> </ul> <h2>4. Analyze Your Monthly Usage</h2> <p>It's easy to fall into the trap of being happy with your cell phone service and ignore the small details. Like if you actually need everything on your plan that you pay for month-after-month. Pull out your bill and examine it with a fine tooth comb. Are you being charged for things like enhanced voicemail, a 411 service, phone insurance, or roadside assistance? If you don't need it, or rarely use it, cut it out of your plan and save some easy money on your monthly bill.</p> <p>Also, be sure to look for <a href="http://www.wisebread.com/how-family-plans-can-save-you-tons">family share plans</a> that many cell phone providers offer these days. While not heavily advertised, they provide an excellent way to save if you need multiple lines. The more lines you add, the less you pay for each additional line.</p> <h2>5. Verizon Users: Deal Solely With Authorized Sellers</h2> <p>I recently had a former authorized Verizon seller inform me that unlike &quot;Verizon Store&quot; employees, they were not paid a commission when they increase a customer's data plan. She worked at a Verizon kiosk at Costco and she said it's the best place to go to get help understanding your bill and possibly get it lowered. They'll go through it with you, look for spots to save, and let you know about any special discounts they might have available. Actual Verizon Store employees? Not so much.</p> <p>While this is not necessarily a tip that will get your bill lowered, it's good information for Verizon loyalists. Always visit the authorized seller locations as they have employees who don't get paid for raising your bill.</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/5-painless-ways-to-lower-your-cell-phone-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-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/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-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/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</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-secrets-to-scoring-the-best-price-when-buying-on-ebay">7 Secrets to Scoring the Best Price When Buying on eBay</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/12-surprising-things-you-didnt-know-you-should-be-negotiating">12 Surprising Things You Didn&#039;t Know You Should Be Negotiating</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology authorized sellers bills cell phones cell providers data deals discounts negotiating smart phones Fri, 14 Oct 2016 09:31:19 +0000 Kyle James 1812052 at http://www.wisebread.com 14 Secrets to Saving on Eyewear http://www.wisebread.com/14-secrets-to-saving-on-eyewear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-secrets-to-saving-on-eyewear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wearing_glasses_86229369.jpg" alt="Woman learning secret ways to save on eyewear" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Eyeglasses and contact lenses are a necessity for more than 150 million Americans. Unfortunately, eyewear is not a cheap purchase &mdash; so we've compiled some tips to help save you money on the cost of glasses and contacts.</p> <h2>1. Purchase Your Glasses Online</h2> <p>Along with enjoying huge savings on your new set of glasses, you can also take advantage of online services to ensure that the glasses look right with your style. This will allow you to casually try the glasses on at home so you can take your time choosing the right ones. Once you find the right pair, they will likely be shipped in no time (even faster than you would get them at the optician's office.)</p> <p>If you have issues like astigmatism, you may not be able to shop online and it might more prudent to have your doctor custom fit you for the right pair of glasses. You may also want to have a professional help you at an optical store and once you find the glasses you like, you can search for the frames online for the best deal. (See also: <a href="http://www.wisebread.com/should-you-ever-buy-eyeglasses-online?ref=seealso">Should You Ever Buy Eyeglasses Online?</a>)</p> <h2>2. Purchase Your Contact Lenses Online</h2> <p>Websites like <a href="http://1800contacts.com">1-800 Contacts</a> can save you money on your contacts, compared to what you would pay at your optician's office. You can also often get discounts if you purchase more than one box of contacts at a time. Buying in bulk will also save you money on shipping and allow you to lock in today's rate.</p> <h2>3. Find Trial Offers</h2> <p>Certain contact lens providers, like Acuvue and Dailies, will offer free trial lenses, so you can try them before you buy them. This will help ensure that the contacts fit comfortably, so you know you'll get your money's worth.</p> <h2>4. Look for Online Deals</h2> <p>Take advantage of online coupons and deals from services like Groupon. This can save you quite a bit of money on glasses, contacts, and even your eye exam. Just make sure to read the details thoroughly as some coupons only cover the cost of the frames, and you will have to pay for the lenses out-of-pocket.</p> <h2>5. Ask for a Price Match</h2> <p>Many optical shops will offer a price match, if you ask. Some shops will even offer a price match and a rebate, so you'll actually spend less than you would online.</p> <h2>6. Keep the Same Lenses or Frames</h2> <p>If your lenses are still in good shape and you still have the same prescription, consider reusing them in a new frame. Many optical shops will help you find a similar style frame and can apply your old lenses so it looks like a new pair of glasses.</p> <p>The same rule holds for your frames. If you like your frames, but your prescription has changed, take advantage of a <a href="http://www.replacementlensexpress.com/">prescription eyeglass lens replacement service</a> that will replace the lenses in your existing frames.</p> <h2>7. Opt for Cheaper Glasses</h2> <p>If you tend to wear contacts and only reach for your glasses when you're home, then you don't need to spend a lot on designer glasses. Instead, opt for the cheaper glasses since no one will see them anyway.</p> <h2>8. Don't Replace Your Glasses Every Year</h2> <p>If you don't need to replace your glasses, then it's best to just keep the same pair for as long as you can. After all, it can take a lot of time and energy to find the perfect glasses, so why replace them after only a year?</p> <h2>9. Skip the Add-Ons</h2> <p>Unless your prescription is above +/- 3.00, professionals recommend skipping the add-ons like antireflective coating, light adjusting lenses, or high index or ultrahigh index lenses. Skipping these add-ons can save you quite a bit of money and won't really make a difference in the long run.</p> <h2>10. Shop at Costco</h2> <p>According to Consumer Reports, Costco received the <a href="http://www.consumerreports.org/cro/eyeglass-stores/buying-guide.htm">highest overall satisfaction rating</a> of any eyeglass retailer. Not only do they offer better service, but you can also save money on your favorite pair of glasses.</p> <h2>11. Take Advantage of Free Repairs and Adjustments</h2> <p>If you choose to purchase your glasses in-office, then take advantage of free adjustments to ensure your glasses fit perfectly. Inquire with your optician's office about whether they offer any free replacements or repairs.</p> <h2>12. Take Advantage of Insurance</h2> <p>Before you get started, it's important to find out if you're covered by insurance. Even if you don't have a separate vision insurance plan, you may be covered under your regular medical insurance plan. Many insurance plans include a basic eye or dental care plan, so you may be covered without even realizing it.</p> <p>Before visiting your eyeglass store, first find out if they accept your vision insurance. If they accept it, find out what your insurance covers. Take advantage of whatever you can so that you get your money's worth every year. If they do not accept your insurance plan, inquire from your plan's administrator about whether they will offer reimbursement if you decide to pay out-of-pocket.</p> <h2>13. Use FSA Funds</h2> <p>If you have an FSA (or flexible spending account), take advantage of this pretax money to pay for eligible medical expenses such as prescription glasses and contact lenses. Keep in mind that FSA funds might not pay for extras like extended warranties. The goal is to use up all of your FSA funds before the end of the year, but it's important that you don't wait until the last minute to use it or you may rush to pick your new glasses, even if they aren't the most flattering option or don't offer the best deal.</p> <h2>14. Do Your Research</h2> <p>Before scheduling your eye test, research the options available to you so you can determine where you'll get the best deal for your money. Call your eyeglass store of choice to inquire about whether they currently have any coupons or deals to cut the cost of your new glasses. If you know the glasses that you want, you can search online for the brand and model number to compare prices.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/14-secrets-to-saving-on-eyewear">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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</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/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-buy-on-groupon-or-livingsocial">5 Things You Should Never Buy on Groupon or LivingSocial</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-online-retailers-who-let-you-stack-coupons">9 Online Retailers Who Let You Stack Coupons</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping contacts deals eye doctor flexible spending accounts glasses insurance online shopping optician saving money trials Thu, 15 Sep 2016 09:30:29 +0000 Andrea Cannon 1792246 at http://www.wisebread.com 5 Things Millennials Can Learn About Saving Money From Gen-X http://www.wisebread.com/5-things-millennials-can-learn-about-saving-money-from-gen-x <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-millennials-can-learn-about-saving-money-from-gen-x" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_friends_shopping_64269827.jpg" alt="Millennials learning about saving money from Gen-Xers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Millennials think they've got it all figured out &mdash; just ask one and they'll tell you. But while I'm an advocate of the so-called &quot;Me Generation,&quot; allow me to freely admit we still have a few things to learn.</p> <p>Recently, money-saving grocery app Ibotta conducted a three-year analysis on user shopping habits &mdash; they dove deep into 25-million-plus user receipts &mdash; and the findings were interesting. As it turns out, Millennials aren't as financially savvy as they think they are. In fact, they can still learn a thing or two from Gen-Xers, who seem to have the saving vs. spending game down pat. Here are some of the results.</p> <h2>1. Gen-X Shops Where They Get More Bang for Their Buck</h2> <p>According to Ibotta's study, Millennials shop most frequently at beauty/cosmetic stores, nutrition stores, movie theaters, convenience stores, and apparel stores. That tells us that Millennials value quality over cost, and they don't mind paying the price for it. Especially when you consider the places Millennials shop the least, including pharmacies, dollar stores, arts-and-crafts stores, footwear stores, and home improvement stores.</p> <p>I have to admit, as someone who considers myself more Millennial than Gen-X (and I'm right on the cusp of both of these generations being born in 1981), I tend to shop at the places Millennials are least likely to be found. There are incredible savings at dollar stores and arts-and-crafts stores, in particular, and they're too good for me to pass up. Of course, I go to the movies a lot as well (I guess that's the Millennial in me), but you'll very rarely find me in beauty/cosmetics stores or nutrition stores when I know that I get anything I'd find there cheaper at places like Wal-Mart and Target &mdash; and I'm never too proud to shop at either of those establishments.</p> <h2>2. Gen-X Is Perfectly Happy Shopping at Traditional, Lower-Cost Grocery Stores</h2> <p>Millennials shop at natural grocery stores like Whole Foods and Trader Joe's about 56% more than non-Millennials, the Ibotta study reports. Which means that Millennial shoppers are not only trendy (or &quot;health-conscious&quot; if you want to be PC about it) in their food choices, but their grocery bills are likely much higher considering the steep prices of natural food markets.</p> <p>Personally, I've never understood the appeal of &quot;organic&quot; food. I've been putting nonorganic foods in my body for 35 years, and I feel two ways about it: First, I'm A-okay, healthy as an ox. Second, the damage by preservative- and pesticide-packed foods has already been done; I hardly believe that switching to organic fruits and vegetables now will change whatever is going to happen to me down the road.</p> <p>Plus, organic broccoli is the worst. I hate it, and you can't make me eat it.</p> <p>On the flip side, Gen-Xers still shop at traditional grocery stores &mdash; and use coupons! &mdash; which we'll get into later.</p> <h2>3. Gen-X Values Their Own Hard-Earned Money More Than Making a Political Statement</h2> <p>I'm not at all surprised by this statistic: Millennials are 8% more likely to shop at Costco over Sam's Club. Moreover, they're 13.5% more likely than non-Millennials to shop at Costco.</p> <p>I have a hunch as to why Millennials largely shun Sam's Club, and it has everything to do with being associated with Wal-Mart.</p> <p>Now, I'm not someone who avoids Wal-Mart as a result of its labor practices or other political stances &mdash; I go where the savings are, just like Gen-Xers (yep, I'm fickle) &mdash; but it seems that there's an entire generation of consumers that look down on Wal-Mart as if it's subpar for whatever reason. (Although, one of those reasons might have to do with those unflattering &quot;People of Wal-Mart&quot; memes or the tramplings at Christmastime &mdash; who's to say, really?)</p> <p>In any case, my assumption is especially valid when you consider that Millennials are 27% more likely to shop at Target than users in all other age groups.</p> <p>I will contend that Target is much cleaner and more organized than most Wal-Marts I've been in, but I'm not boycotting a Wal-Mart or Sam's Club to make a political statement if at the end of the day my wallet comes out the winner. That's just common sense.</p> <h2>4. Gen-Xers Are Good at Making the Most of Mid-Level Consumer Goods</h2> <p>Millennials are brand loyalists through and through. Just look at the forever converts Apple has following its cult. The loyalty doesn't stop there, though. Whereas Gen-X is open to trying new brands, especially if they're lower priced or on sale, Millennials are willing to loosen the purse strings for established labels. When it comes to a brand like Sephora, in fact, Millennials are two times more likely to shop there than Gen X &mdash; and it ain't cheap.</p> <p>But perhaps beauty vlogger Raye Boyce can change a few Millennial minds. She recently tested $600 worth of makeup on one side of her face and $60 in makeup on the other side. The results? Well, see if you can tell the difference in her video on <a href="https://www.youtube.com/watch?v=VCXwnlOYsfs">makeup that could save you money</a>.</p> <h2>5. Gen-X Clips a Good Coupon When They See It</h2> <p>I don't know if it's the stigma of using a coupon (maybe they feel &quot;cheap&quot; or embarrassed when they hand over a discount?), but Millennials are losing out on a lot of opportunity to save, which in turn is making their lifestyle way costlier than it needs to be.</p> <p>The Ibotta study reveals that Millennials use 20% fewer coupons than Gen-X, and they take advantage of 7.5% fewer in-store discounts. Those numbers are crazy &mdash; especially the disparity in coupon use.</p> <p>If you're a Millennial reading this right now, listen up: Your ego is making you broke, and it's time to come back down to earth.</p> <p>I don't know how anybody can shop without coupons. This is coming from a guy who has and will continue to use coupons on dates (first dates even!). Because wherever I save means extra money for things I like to do, like enjoying new experiences or making investments that make me more money. That full-price pair of expensive shoes will only make you so happy &mdash; and that happiness will run right out when you're sitting in those shoes at home, broke and alone, on a Saturday night.</p> <p>But at least then you'll have time to clip a few coupons with your shears&hellip; and probably a few tears.</p> <p><em>Do you recognize yourself in any of these shopping stats and behaviors?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/5-things-millennials-can-learn-about-saving-money-from-gen-x">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/6-millennial-money-habits-every-retiree-should-learn">6 Millennial Money Habits Every Retiree Should Learn</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/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/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">6 Smart Ways to Save Money This Year (Without Clipping a Coupon)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping advice coupons deals gen x generations millennials politics saving money stores Fri, 19 Aug 2016 09:00:15 +0000 Mikey Rox 1775193 at http://www.wisebread.com 10 Stores With the Best Price Matching http://www.wisebread.com/10-stores-with-the-best-price-matching <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-stores-with-the-best-price-matching" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_selfie_88753237.jpg" alt="Woman shopping stories with the best price matching" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In an effort to prevent <em>showrooming</em>, when shoppers browse products in-store only to buy them online for less, retailer price match policies have become much more prevalent in recent years. After all, once a store has you in their doors, many are willing to match the competition's price to keep you from ordering elsewhere via your mobile device. It's simply a smart business move. But like any retailer's policy, some are simply better for shoppers than others. Here are the nine best retail price match policies that you should take advantage of every chance you get.</p> <h2>1. Best Buy</h2> <p>The <a href="http://www.bestbuy.com/site/clp/price-match-guarantee/pcmcat290300050002.c?id=pcmcat290300050002">Best Buy price match guarantee</a> is a strong one, because they'll match the price of both online and local brick-and-mortar competitors &mdash; a policy that many top retailers have yet to adopt. When shopping in-store, simply show evidence of the lower price to any &quot;Blue Shirt&quot; in the store. The best way is via your smartphone or an actual store ad. They'll then review the price and verify that the product is identical and currently available at the local competing store.</p> <p>To get an online price match from Best Buy, you'll need to call them directly at 1-800-BEST-BUY. Be prepared to direct the company rep to the ad or website that is showing a lower price. They'll then verify that the item is in-stock on the competing website and 100% identical. Top websites that they'll price match include Amazon.com, Bhphotovideo.com, Crutchfield.com, Dell.com, HP.com, Newegg.com, and TigerDirect.com.</p> <h2>2. Fry's Electronics</h2> <p><a href="http://www.frys.com/utm_src/page006.jsp?utm_source=lowpriceguarantee&amp;utm_medium=vanityurl&amp;utm_campaign=lowpriceguaranteeoffline">Fry's price match promise</a> also includes online and in-store pricing. While they don't specify which authorized stores they will price match, it's safe to assume that they'll match all the big players in your area. Just bring in evidence of the lower price on your smartphone and show it to any employee.</p> <p>While their in-store price match policy is straightforward, their online policy is a little less spectacular. For example, their site says they'll match all authorized Internet competitors on their &quot;delivered price&quot; only. This means they might not match Amazon Prime pricing, as they'll consider Amazon shipping charges into the order total. In other words, even if you would get free shipping from Amazon, Fry's will still factor in shipping charges when giving you an Amazon price match. In many cases, you might be better off ordering the item directly from Amazon and avoid the headache of dealing with Fry's online price match policy.</p> <h2>3. Home Depot</h2> <p>Home Depot stands behind their prices by <a href="http://www.homedepot.com/c/PM_New_Lower_Price">offering a low price guarantee</a> where they will actually beat a local competitor's price by an extra 10%. All you need to do is show evidence of the lower price in the form of an ad, printout, or photo. In most cases, the easiest way to do this will be with your smartphone. I like to get my price match at the customer service desk rather than at a checkout register, as some cashiers are really busy and it tends to hold up the line.</p> <p>As for an online price match, unfortunately they won't give you the extra 10% discount on top of the lower price. But they will happily match other verified websites that might have an item at a lower price. To get your online price match you'll need to call Home Depot directly at 1-800-HOME-DEPOT. The rep will independently verify the lower price and adjust your virtual shopping cart accordingly.</p> <h2>4. Lowe's</h2> <p>Similar to Home Depot, Lowe's will also <a href="http://www.lowes.com/cd_Everyday+Low+Prices_787241445_#Everyday%20Low%20Prices,%20Guaranteed">beat any competitor's price</a> by 10% as long as the item being sold is identical at both stores. While the Lowe's policy states that you must bring in the ad of the local competitor, I've had success simply showing the lower price on my smartphone. It's worth noting that Lowe's excludes competitor's closeout, special order, discontinued, clearance, and liquidation items from a price match. The rub here can be that many ads from competitors are clearance or closeout items making them ineligible for a price match. Just keep this in mind and be prepared to politely argue your case if need be. Also, as of this writing they do not offer an online price match on your Lowes.com purchase.</p> <h2>5. Staples</h2> <p>The folks at Staples have a <a href="http://www.staples.com/sbd/content/help-center/pricing-and-promotions.html#10003_7">very intriguing price match policy</a> that will actually beat the competing price by 10% through 9/17/16. For an in-store price match, they'll match <em>any </em>retailer &quot;who sells products in both retail stores and online under the same brand.&quot; This means that most small &quot;ma and pa shops&quot; will not be included unless they also have a website that sells merchandise. This is their way of making it easier to verify the lower price by keeping it limited to larger retailers.</p> <p>In terms of an online price match, they will match prices, but it has to be from a retailer with a brick and mortar location as well as an ecommerce website. The two exceptions to this rule are Amazon.com and Wayfair.com, as Staples will price match both of these &quot;online-only&quot; players. To get your online price match, you'll need to call Staples directly at 1-800-333-3330.</p> <h2>6. and 7. Office Depot/Max</h2> <p>The <a href="http://www.officedepot.com/renderStaticPage.do?file=/customerservice/lowPrice.jsp">Office Depot/Max price match policy</a> also offers a great way to save on office supplies and technology. Similar to Staples, they'll price match any retailer as long as the item is identical and the competing store sells the item both online and in-store. They also clearly spell out the methods you can use to get your price match and they include a &quot;printed advertisement, printed in-store signage, receipt of item purchased, picture of in-store signage, or online offer from mobile device.&quot;</p> <p>As for an online price match, they don't currently offer one. But if you're shopping in-store and you find that Amazon.com is selling the item for less, they'll match the price as long as it's sold directly by Amazon and not a 3rd party seller. According to their website, Amazon is the only online merchant that they'll currently price match.</p> <h2>8. Target</h2> <p>In my experience, one of the <a href="https://corporate.target.com/about/shopping-experience/shop-with-confidence">easier price match policies</a> to take advantage of is at Target. The team at your local Target customer service desk actually has an iPad dedicated to price-matching, making it a very quick and seamless experience for shoppers. Just show them evidence of the lower price on your mobile device, or via a local ad, and they'll verify the lower price and make sure the item is identical and in-stock at the competing store and get you your savings quickly. It should be noted that exclusions include clearance, closeout, liquidation sales, and refurbished products.</p> <p>For an online price match, Target has a long list of <a href="https://corporate.target.com/_media/TargetCorp/about/pdf/Price-Match-Online-Competitor-List.pdf">29 online competitors</a> that they'll match. Rest assured that the list includes all the big players like BestBuy.com, Amazon.com, Costco.com, Toys R Us.com, and Walmart.com. To request your online price match, you'll need to contact Target directly at 1-800-591-3869.</p> <h2>9. Toys R Us</h2> <p>Toys R Us has an excellent in-store <a href="http://www.toysrus.com/shop/index.jsp?categoryId=11949070">price match guarantee</a> that will help you get the lowest price on your future toy purchases. Not only will they price match all local competitors, but they'll also match 21 popular websites including Walmart.com, Target.com, and Amazon.com. It should be noted that when price-matching a competitor's website, they'll factor shipping charges into the total price of the item. To get your price match, simply show evidence of the lower price on your smartphone or via a print ad and a Toys R Us associate will take care of the rest. Items must be identical and they limit the price match to a maximum of two identical items per purchase. Unfortunately, they do not offer an online price match when shopping from their website.</p> <h2>10. Wal-Mart</h2> <p>The <a href="http://help.walmart.com/app/answers/detail/a_id/31/~/walmarts-price-matching-policy">Wal-Mart price match policy</a> is fairly straightforward and definitely worth taking advantage of. Wal-Mart will happily match the price on identical items sold by any local competitor or a <a href="http://corporate.walmart.com/policies#00000150-2910-d285-add2-fff8e8700000">select list of online retailers</a>. Exclusions include clearance items, specials buys, and value of the day items as well as holidays like Thanksgiving, Black Friday, and Cyber Monday. To get your in-store price match, just show the lower price on your smartphone when checking out. For an online price match, you can either visit <a href="http://www.walmart.com/cservice/cu_comments_online.gsp">Walmart.com customer care</a> or call them directly at 1-800-966-6546.</p> <p><em>Are you a price-matcher? Do you often forget to take advantage of these great policies?</em></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/10-stores-with-the-best-price-matching">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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-online-retailers-who-let-you-stack-coupons">9 Online Retailers Who Let You Stack Coupons</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/amazons-secret-30-day-price-guarantee">Amazon&#039;s secret 30-day price guarantee</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</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/special-holiday-return-policies-of-popular-stores">Special holiday return policies of popular stores</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon best buy deals discounts guarantees price matching retail target Wal-Mart Thu, 11 Aug 2016 10:30:10 +0000 Kyle James 1769337 at http://www.wisebread.com 8 Ways Everybody Saves During Back-to-School http://www.wisebread.com/8-ways-everybody-saves-during-back-to-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-everybody-saves-during-back-to-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_office_supplies_75992729.jpg" alt="Man learning ways to save during back-to-school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One day after Independence Day, retailers made way for <a href="http://www.wisebread.com/6-back-to-school-shopping-hacks-for-big-savings?ref=internal" target="_blank">back-to-school items</a> in their aisles. It's kind of annoying, in my opinion, because many kids just got out for the summer a week or two beforehand. I mean, let the dust settle first, right? But I digress. These early installments of supplies can also mean big savings for you, even if you're not a student or don't have children of your own. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">Best Credit Cards for Back to School Shopping</a>)</p> <h2>1. Treat School Supplies Like Office Supplies</h2> <p>Need pens, pencils, and paper? Hit your local big-box retailer &mdash; like Wal-Mart, Target, and Staples &mdash; to take advantage of their discounted &quot;school&quot; supplies that coincidentally are the same things you use in your own office. At Target, look for additional savings on its Cartwheel app before checking out; check the clearance section at Wal-Mart and take try to score Bluebird savings on the back end; and checkout with your loyalty card at Staples to get a small kickback in the form of future monetary rewards for everything you buy there.</p> <h2>2. Raid Your Kids' Stash From Last Year</h2> <p>Your kids probably didn't use everything you bought them when they went back to school 12 months earlier. Chances are they still have at least a few leftovers, like binders, folders, dividers and more, that you can claim as your own and put to use. Lord knows they're not going to use something from last year &mdash; what will people say!? So whatever remains might as well go the extra mile for you.</p> <h2>3. Browse Local School's Social Media for Deals</h2> <p>Both big-box and local businesses are attracted to schools this time of year, so adding your local schools on Facebook and other social media may score you insider deals that won't be posted elsewhere.</p> <p>&quot;Similarly, if you live in or near a college town, check Yelp with the keyword 'school' and 'coupon' (or deal/offer) to find a slew of coupons that are intended to attract college students but can be used by anyone,&quot; suggests money-saving expert Mike Catania, whose own site PromotionCode.org also is a good resource.</p> <h2>4. Take Advantage of Price Matching</h2> <p>Spotted a better deal at a retailer at which you don't normally shop? You don't have to go out of your way to get it.</p> <p>&quot;Many back-to-school retailers like Target, Wal-Mart, and Office Depot will price match competitor's offers, so it pays to compare prices and circulars so you don't have to run around town to hunt down the best bargains,&quot; says money-saving expert Andrea Woroch.</p> <p>In fact, Staples is going a step further and offering a price-match guarantee of 110% with an extra 10% off identical products. Use tools like the ShopSavvy app or the Invisible Hand browser add-on to simplify this task while shopping in store and online.</p> <p>&quot;Circulars are your best tool in comparing offers for back-to-school,&quot; Woroch adds. &quot;In addition to browsing weekly ads found in Sunday newspapers, apps like <a href="http://www.retale.com/">Retale</a> and <a href="https://www.flipp.com/">Flipp</a> offer a digital means of finding top discounts while you're out and about shopping.&quot;</p> <h2>5. Visit Trade-In Sites for Savings Upon Savings</h2> <p>Trade-in sites &mdash; those online outlets that offer refurbished electronics at discounted prices &mdash; are often overlooked when people are shopping for the latest and greatest gadgets. But checking in may yield big savings on just what you're looking for. For instance, Gazelle.com is offering up to 30% off on <a href="http://buy.gazelle.com/buy/used/back-to-school-deals">back-to-school gadgets</a> for everyone, with new items added daily. Gazelle sells certified, pre-owned devices that must pass a 30-point quality inspection and everything comes with a 30-day risk-free return policy; payment plans also are available. Don't overlook the brick-and-mortars though: Apple, Newegg, Best Buy, and even warehouse clubs like Costco and Sam's Club offer refurbished or open-box laptops, tablets, computers, smartphones, and the like for up to 75% off.</p> <p>This strategy applies to clothing, too.</p> <p>&quot;Thrift store, consignment shops, and online resellers, including <a href="http://www.poshmark.com">Poshmark</a> and <a href="http://www.thredup.com">ThredUp</a>, are top resources for gently used clothing,&quot; explains Woroch.</p> <h2>6. Clip, Print, Tap, or Paste Coupons</h2> <p>The best way to quickly access store coupons is through a coupon app like <a href="http://www.couponsherpa.com">Coupon Sherpa</a>, which features savings at national chain stores like Staples as well as local shops. When shopping online, it's important to search for coupon codes to save money, like a <a href="http://www.couponsherpa.com/target">Target promo code</a> for $5 off $50 orders, or 25% off a Disney Store purchase. Otherwise, register for a retailer's online newsletter to receive a new subscriber coupon for savings from 10% to 20% off your first purchase.</p> <h2>7. Opt for Generic Over Name-Brand Supplies</h2> <p>Can you really tell the difference between a national brand-name notebook and the off-name or store brand? Probably not enough to pay more.</p> <p>&quot;You're better off sticking with the generic or store brand options to save money, especially since there is little difference between brand names and generic versions,&quot; Woroch says. &quot;On the flip side, however, backpacks, electronics, art supplies, and even sneakers are better brand-name buys because they're often higher quality and last longer, reducing the need to replace them.&quot;</p> <h2>8. Show Those Summer Clearance Racks Who's Boss</h2> <p>While parents are shopping for fall clothing for kids, you can cop the remnants of the summer clothing in the clearance section for yourself. Sure, the summer is winding down, but all is not for naught: You can use the lighter pieces for layering during the colder months, and there will likely be fall-perfect clothing among the summer clothes as well. I recently visited J. Crew Factory's clearance section, which had racks of button-downs, long-sleeve polos, and pants for 50% off already very reduced prices. These kind of deals exist elsewhere &mdash; and they're all in one place at outlet malls &mdash; which makes a visit worth it if you're in need of a wardrobe refresh.</p> <p><em>Do you have more back-to-school shopping tips? I'd love to hear them in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-ways-everybody-saves-during-back-to-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</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-things-to-wait-until-after-christmas-to-buy">8 Things to Wait Until After Christmas to Buy</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-ways-to-save-on-back-to-school-supplies-right-now">The 8 Best Ways to Save on Back-to-School Supplies Right NOW</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/use-less-cash-for-your-jcpenney-purchase">Use Less Cash for Your JCPenney Purchase</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school clearance coupons deals office supplies savings school supplies seasonal Tue, 02 Aug 2016 09:30:37 +0000 Mikey Rox 1762301 at http://www.wisebread.com How to Improve Your Finances Using Social Media http://www.wisebread.com/how-to-improve-your-finances-using-social-media <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-improve-your-finances-using-social-media" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_text_94856801.jpg" alt="Woman learning how to improve finances using social media " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Social media is about more than just looking at friends' baby photos, posting what you ate for dinner last night, and watching the most recent viral videos. It can actually help you improve your finances, land a new job, and reach your savings goals more efficiently. That's why we've found some of the best ways to improve your finances by getting the most out of social media. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso">6 Ways Social Media Can Save You Money</a>)</p> <h2>&quot;Friend&quot; Your Credit Cards and Bank</h2> <p>Add your credit card issuers and bank to your social media accounts by &quot;friending&quot; or following them. Large institutions usually offer deals to followers, so you can enjoy a lower APR, higher savings interest rate, or other money-saving promos. In fact, according to U.S. News, social media is often the first outlet that banks choose to <a href="http://money.usnews.com/money/personal-finance/articles/2015/06/03/why-the-financial-services-industry-started-tweeting">share news about upcoming deals</a>.</p> <p>Social media is also possibly the best way to get in touch with customer service quickly, as it will allow you to get their attention more easily. Just make sure to keep your account information, address, and any other private information off the message boards and social media pages.</p> <h2>Enjoy Travel and Shopping Deals</h2> <p>There are endless travel and shopping deals available through social media. Retailers often choose social media as the first outlet to announce upcoming sales, so their friends and followers are able to take advantage of the biggest discounts first. Followers are frequently offered early deals, as well.</p> <p>You can find Twitter-specific deals that can save you on everything from rental cars and vacations to eating out and even buying gifts. Before going out to make any purchases, check Facebook, Twitter, Instagram, and Pinterest to make sure there aren't any deals that you're missing. You can even check social media hashtags, such as #deal, to find the best deals in your area.</p> <h2>Share Goals</h2> <p>Many financial experts recommend sharing your financial goals online. By setting your goals early and sharing them with the people you love, it can help you articulate what you really want and hold you accountable to achieve your goals. In fact, research has shown that making <a href="http://www.fastcompany.com/3047432/work-smart/why-sharing-your-progress-makes-you-more-likely-to-accomplish-your-goals">public statements about goals</a> can help you achieve them more efficiently. However, you never want to reveal anything too personal, such as private information that fraudsters can use against you.</p> <h2>Get Money-Saving Tips</h2> <p>By following your favorite finance site on social media, you can find endless free money-saving tips and updates. You can also find forums and group discussions with unique money-saving ideas and encouragement from others. You can even find good financial and investment advice online.</p> <p>Seeing these tips on a daily basis on your social media pages can also be a good reminder each and every day to protect your hard-earned income. After all, we all need a reminder once in a while that we don't really need that new top or expensive latte in the morning.</p> <h2>Find a New Job</h2> <p>LinkedIn can be an invaluable tool when you're searching for a new job. You can apply for jobs directly through LinkedIn, perfect your resume, and even reach out to potential employers and former colleagues. Contacting them through Facebook or Twitter won't be as effective or as professional as contacting them through LinkedIn.</p> <p>With LinkedIn, once you have created a professional profile, employers and recruiters can even reach out to you with potential job offers. You can also join LinkedIn groups within your field so you are the first to know about potential opportunities. You can even add examples of your work, recommendations from current or previous coworkers, and any honors you've received to better build your online portfolio.</p> <h2>Make Connections</h2> <p>Networking through social media can result in better face-to-face communication, potential job offers, and endless contacts in your field. Simply following someone or sharing their social media posts can be a great first step in networking and making connections.</p> <h2>Build Your Brand</h2> <p>Whether you're promoting your personal business or services, or just want to build your reputation as the best in your field, posting on social media can be a great start. Just make sure to stay consistent so that you can reach as many followers as possible.</p> <h2>Research More Efficiently</h2> <p>Gone are the days of asking for financial suggestions from friends and coworkers. Whether you're looking for a new financial planner or would like information on which investments to make, you can find more information quickly through social media. With a simple social media search, you can find detailed research on the investment product or financial adviser you're interested in.</p> <p>You can also find suggestions for dentists and other service providers in your area through social media. This will ensure you get what you're looking for and don't waste money.</p> <h2>Sell Your Items</h2> <p>If you create and sell items privately, such as through Etsy, social media can be a great free platform for you to advertise your products or services. This can help you bring in more revenue, reach new customers, and show off your work to a limitless audience.</p> <h2>Make Some Extra Income</h2> <p>There are even ways to make some extra income using social media. If you have a large following, you can publish sponsored tweets or sign up for affiliate accounts, where you will receive your own unique link to earn some extra income when followers make purchases using that link. (See also: <a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=seealso">6 Ways to Make Extra Money Using Social Media</a>)</p> <p><em>Have you followed Wise Bread on social media yet? What are your best tips for improving your finances through social media? </em><em>Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-only-money-advice-youll-actually-listen-to">The Only Money Advice You&#039;ll Actually Listen To</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/you-got-a-raise-now-what">You Got a Raise! Now What?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-a-spending-ban-can-help-and-hurt-you">Here&#039;s How a Spending Ban Can Help (and Hurt) You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology advice blogs deals extra money Internet job hunting promotions saving money selling shopping social media travel Mon, 25 Jul 2016 09:00:11 +0000 Andrea Cannon 1753337 at http://www.wisebread.com