life http://www.wisebread.com/taxonomy/term/3456/all en-US The Frugal Living Commencement Speech I'd Give to My Younger Self http://www.wisebread.com/the-frugal-living-commencement-speech-id-give-to-my-younger-self <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-frugal-living-commencement-speech-id-give-to-my-younger-self" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_grads_14381811.jpg" alt="Grads hearing frugal living speech from their future selves" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dear Younger Me,</p> <p>Congratulations on your graduation! You have worked hard and deserve a huge high five. Take some time to enjoy this moment, because pretty soon, real life is going to come at you like a train hauling nitroglycerin.</p> <p>But don't worry. You're prepared for this. You've got a good amount of life experience that will help you, and you have a good head on your shoulders. (You're also very handsome, and I wish I still had the hair that you currently have.)</p> <p>I'm going to give you some advice on how you can build a great life. If you do these things, your life will turn out great. Perhaps even better than mine. (Not sure if that's possible, since I am you and you are me. But whatever.) (See also: <a href="http://www.wisebread.com/7-career-tips-you-wish-you-could-give-your-younger-self?ref=seealso">7 Career Tips You Wish You Could Give Your Younger Self</a>)</p> <h2>Save Money</h2> <p>First, I strongly suggest you go make some money and then save it. Get a job, preferably doing something you enjoy. And pack your lunch. (Big money saver.)</p> <p>Work hard at your job, learn some skills. Maybe even get a second job. Get a paycheck. Take that paycheck and resist every urge to spend it.</p> <p>Okay, you'll want to spend some of it. Having friends is important. Go to concerts, go to ballgames, maybe even take a trip to Europe. But be smart. Don't spend money you don't have. Credit cards are your enemy. Fend off debt like a knight fending off a band of grim warriors.</p> <h2>Invest</h2> <p>Learn how to invest. Familiarize yourself with the stock market and things like <a href="http://www.wisebread.com/5-dumb-401k-mistakes-smart-people-make">401Ks and a Roth IRA</a>. Put a little money in now. Then a little more. Then a little more. Understand that money you save now will have tons of time to grow, so that when you're older like me, you'll have a lot more in the bank. Because let me tell you something&hellip; you will <em>need</em> that money.</p> <h2>Fall in Love</h2> <p>Find a good partner. Listen to her, because she's probably smarter and more sensible than you are. Experience life with her. Cook her some eggplant parmesan once in awhile, because that is her favorite. Don't get mad when she insists on using a coupon for everything. Promise her a great trip every summer. Take her to ballparks, to the beach, to Europe, if you can afford it.</p> <p>But again: don't spend money you don't have.</p> <h2>Prepare for the Worst</h2> <p>You're going to lose your job at least once, maybe twice. And you're gonna need a new roof on that house you bought. And your cars will both have 140,000 miles on them at some point. And your heat pump is going to cut out during the Blizzard of 2016 (so maybe get it replaced before then).</p> <h2>Educate Your Kids</h2> <p>One day, you won't be a kid anymore and you'll have kids of your own. Love those kids. Spoil them, but not with money or possessions. Spoil them with education. Teach them about the world. Teach them how to take care of themselves and other people. Never let them say the words, &quot;I can't.&quot;</p> <p>And again&hellip; save your money. Because kids are not cheap! I cannot stress this enough.</p> <p>There's so much else I can tell you, but most of it you'll have to figure out on your own. I do suggest you call your folks on a regular basis. Read some books. Find a charity you like and give generously. Stay off of Facebook. (You'll find out what that is.) Eat healthy. Exercise.</p> <p>You'll figure it out. I'm sure you'll do great. I have faith in you.</p> <p>Best wishes,</p> <p>Future You</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/the-frugal-living-commencement-speech-id-give-to-my-younger-self">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</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-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-frugal-skills-you-must-have-to-survive-autumn">9 Frugal Skills You Must Have to Survive Autumn</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/is-uber-saving-or-costing-you-money">Is Uber Saving or Costing You Money?</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-44-sneaky-shopping-traps-to-avoid">Flashback Friday: 44 Sneaky Shopping Traps to Avoid</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living commencement frugal advice frugal living graduation investing life new grad saving money spending Tue, 07 Jun 2016 10:00:11 +0000 Tim Lemke 1725705 at http://www.wisebread.com Best Money Tips: Amazing Ways Life Will Be Different in 2030 http://www.wisebread.com/best-money-tips-amazing-ways-life-will-be-different-in-2030 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-amazing-ways-life-will-be-different-in-2030" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/future_virtual_reality_000085072905.jpg" alt="Woman finding amazing ways life will be different in 2030" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on amazing ways that life will be different in 2030, great family deals for April, and how to use LinkedIn to get your dream job.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.kiplinger.com/slideshow/business/T057-S010-amazing-ways-life-will-be-different-in-2030/index.html">20 Amazing Ways Life Will Be Different in 2030</a> &mdash; By 2030, your fridge will do your grocery shopping for you! [Kiplinger]</p> <p><a href="http://parentingsquad.com/family-shopping-guide-8-great-deals-for-april">Family Shopping Guide: 8 Great Deals for April</a> &mdash; New models of vacuum cleaners will be rolling out in June, so older models are seeing deep discounts right now &mdash; just in time for spring cleaning! [Parenting Squad]</p> <p><a href="http://www.popsugar.com/smart-living/Tips-Using-LinkedIn-39363128">7 Ways You Can Use LinkedIn to Snag Your Ultimate Dream Job</a> &mdash; Hiring managers will likely get their first impression of you through your LinkedIn profile, so provide as much information as you can about your experience and interests. [PopSugar Smart Living]</p> <p><a href="http://www.shebudgets.com/personal-finance/how-to-save-money/four-things-that-you-can-buy-at-costco-to-justify-the-membership-price/67212">Four Things That You Can Buy at Costco to Justify the Membership Price</a> &mdash; The savings you receive from buying a set of new tires at Costco would easily cover your membership fee &mdash; and then some! [SheBudgets]</p> <p><a href="http://www.experian.com/blogs/news/about/creditchat/favorite-apps-organize-financial-life/">Favorite Apps to Organize Your Financial Life</a> &mdash; Do you use financial apps? Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on the different types of financial apps and how they can help you achieve your goals. [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0323/Concerned-about-how-the-election-will-affect-your-finances-You-re-not-alone">Do you have the right gear for summer cycling?</a> &mdash; A good pair of padded shorts will help you stay comfortable while you ride. They're designed to soften contact, reduce friction, and keep you dry to prevent saddle sores. [The Monitor]</p> <p><a href="http://www.livingwellspendingless.com/2016/04/01/10-things-can-take-off-calendar/">10 Things You Can Take OFF Your Calendar</a> &mdash; There are some things that we do solely because of guilt. Give yourself permission to say no to things that take you away from your priorities. [Living Well Spending Less]</p> <p><a href="http://www.adebtfreestressfreelife.com/spring-clean-the-garage/">4 Steps To Spring Clean The Garage</a> &mdash; If you don't already have them, get shelving units, cabinets, bins, hooks, or bike racks to help organize your garage. [A Debt Free Mess Free Life]</p> <p><a href="http://blog.readyforzero.com/7-last-minute-things-to-get-done-before-the-start-of-summer/#.VwKT2T997JM">7 Last Minute Things to Get Done Before The Start of Summer</a> &mdash; Summer activities can eat into your budget, so it's important to have a healthy emergency fund to cover any unexpected expenses. [ReadyForZero]</p> <p><a href="http://naturemoms.com/blog/2016/04/04/5-ways-to-get-children-gardening/">5 Ways to Get Children Gardening</a> &mdash; Gardening is a fun way to keep your kids busy and allow them to learn useful life skills. One way to get them excited about gardening is to give them their own area to plant their favorite fruits and veggies. [Nature Moms Blog]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-amazing-ways-life-will-be-different-in-2030">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/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</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-apps-that-actually-pay-you-to-shop">8 Apps That Actually 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-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips life Tue, 05 Apr 2016 09:30:28 +0000 Amy Lu 1684923 at http://www.wisebread.com 22 Lessons Every 20-Something Should Learn http://www.wisebread.com/22-lessons-every-20-something-should-learn <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/22-lessons-every-20-something-should-learn" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/twentysomething_woman_000075732963.jpg" alt="Woman learning lessons every 20something should learn" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;It was the best of times, it was the worst of times.&quot; For better or worse, your 20s are an essential time in your life. Careers, relationships, and an absurd amount of other stuff constantly occupy the minds of twenty-somethings at any given time. Fresh out of college, I myself have inadvertently learned quite a few life lessons as I delve deeper into this defining decade. Bad news, college friends: most real jobs require that you wake up before noon.</p> <p>The truth is, you have to catch on pretty fast when life is changing around you at the speed of light. We millenials are just <a href="http://www.savvysugar.com/How-Happier-Your-20s-35251458">trying to be happy</a> &mdash; one success (or failure) at a time &mdash; and that's totally okay. We are all trying to figure it out. Read on to discover 22 crucial lessons I have learned about making it through my 20s in one piece.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Habits-Confident-People-37623241">19 Epic Traits of Confident Extroverts</a></p> <h2>1. You're Going to Be Broke</h2> <p>Accept it. Think of it as that super savvy, frugal time of your life you will look back on once you can actually buy noodles that aren't ramen.</p> <h2>2. Your Parents Are Actually Really Cool</h2> <p>Remember in high school when you were utterly mortified to be seen in public with them? By now you have finally escaped your angsty adolescence to realize that Mom and Dad are totally awesome and know a lot more about life than you. Don't freak out when realizing that you <em>want</em> to hang out with them.</p> <h2>3. Networking Is Everything</h2> <p>You have heard it a million times, and that's because it's so true. The bigger your professional network is, the more opportunities you will have. Your skills count for a lot, but you'll learn that your connections count for a whole lot more, especially when you're young.</p> <h2>4. You Will Get Your Heart Broken, Probably a Few Times</h2> <p>Love is hard. Some people get lucky and <a href="http://www.tressugar.com/Benefits-Being-Relationship-Your-20s-34515591">find long-term relationships</a> right away, but don't feel discouraged &mdash; or like you have to be one of those twenty-somethings. It can take a few duds before you find a winner, so until the lucky guy comes along, enjoy being single. But when you do find him, don't take what you have for granted.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></p> <h2>5. Your Metabolism Slows Down</h2> <p>Put down the donut... or the pizza or the chips or whatever it is that's calling your name from the kitchen cupboard. Okay, take a bite, then put it down. You're young, you're stressed, food is good &mdash; trust me, I get it. Unfortunately for us, the human body's metabolism rapidly slows down as it enters its 20s. That means you can't eat what you want anymore &mdash; one of the saddest truths in adulthood.</p> <h2>6. Even iI You Went to College, There's Still More to Learn</h2> <p>A college education is so important, but there's also a lot to learn outside of the classroom. That goes the other way around, too. Learn as much as you can early on both inside of a university's walls and out of it.</p> <h2>7. Speaking Up for Yourself Pays Off</h2> <p>Do you deserve a job? Do you want that raise? Nobody will know that unless you let it be known. Your own voice can take you pretty far.</p> <h2>8. Hangovers Are a Real Thing That Will Actually Happen to You</h2> <p>Ah yes, let's take a moment to reflect on the early years when you could go out multiple nights in a row and feel like a million bucks by the end of the weekend. Say goodbye to those glorious days and hello to your new friends: Advil and coffee.</p> <h2>9. Landing a Job Isn't Easy</h2> <p>We all dream of nabbing the career of our dreams right out of the gate, but as soon as you walk out of your dorm room and into the real world you will realize that it's going to take a lot of résumés, applications, and hard work to get to where you want to be.</p> <h2>10. Make Time for Your Family</h2> <p>So much is happening during this time in your life that it can be pretty easy to let the time you spend with family slip between the cracks. Pick up the phone or go visit, because everything else in your life is temporary. Your family, on the other hand, will always be there. Oh yeah, and they usually provide you with free meals.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></p> <h2>11. There's More to Life Than Social Media</h2> <p>We millenials love our smartphones. Sure, it's a great way to keep up with friends and news, but obsessing over what you tweet or post every moment makes you miss out on what's right in front of you.</p> <h2>12. Don't Compare Yourself to Your Friends</h2> <p>Your 20s are a time when your friends begin to go their separate ways. Remember that you're all completely different people. While going to college might be right for one person, traveling to another country might be more fitting for another. One choice isn't better than another; it's all relative. You should all be rooting each other on.</p> <h2>13. You Can Still Wear Whatever You Want</h2> <p>Warning: this is your last chance to wear that crop top. The magic of being in your 20s is that you can still get away with wearing just about any crazy fashion trend that you want. Enjoy it while you can.</p> <h2>14. That Credit Card Bill Is Always Going to Come</h2> <p>It won't magically disappear, so don't pretend like it will. Spend your money wisely, because it's likely that you still have plenty of student loans to pay off in the first place.</p> <h2>15. Exercise Now, Thank Yourself Later</h2> <p>Yes, I know it takes a lot of effort. And no, it does not get any easier. But if you exercise now, you will be a whole lot healthier in the future. At least take a walk or something, you know?</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Happier-Your-20s-35251458">25 Ways to Be Happier in Your 20s</a></p> <h2>16. Your College Major Will Not Define Your Career</h2> <p>Most people don't end up having a career in whatever they majored in, and there's nothing wrong with that. Don't be surprised when your art history degree leads you to a job in marketing (or something else completely unrelated to your intended field; get my drift?).</p> <h2>17. Sleep Is Precious</h2> <p>Say it with us: Sleep. Is. Precious. You will find yourself bragging about how much sleep you got last night far more often than how amazing it was to stay up super late.</p> <h2>18. Don't Worry So Much</h2> <p>I'm worried that you'll be worried about worrying all the time after reading this post... see what I mean? We all fret way too much. Enjoy your life &mdash; these are supposed to be the best years, aren't they? You will get rent paid and you will kill that presentation at work; don't let those thoughts occupy the majority of your mind.</p> <h2>19. You Still Have to Pay Your Dues at Work</h2> <p>Having a college degree is not enough anymore. In fact, it's the bare minimum. That means you might have to start off with a job or position that isn't necessarily ideal. It's a building block for making it to the top, so throw your twenty-something ego into the gutter and remember that you're not too good to start at the bottom. All of your peers are hanging out down here with you.</p> <h2>20. Love Who You Are, Body and All</h2> <p>Sometimes it's really hard to love yourself in this world of Photoshop and unrealistic expectations. If you didn't know it already, you are beautiful and amazing and perfect exactly as you are. As long as you know that on the inside, everyone else is going to see it. Besides, you're at your ultimate hotness peak in your 20s, so enjoy it before the decade sneaks away.</p> <h2>21. You Don't Have to Take Everyone's Advice</h2> <p>This is a very important time in your life, so naturally you are going to be bombarded with&nbsp;<em>a lot</em> of advice and opinions. Nobody said you have to listen to all of it; ultimately it's your life and you know what's best for you. Chances are you'd like to throw out a few points in this very post.</p> <h2>22. Discover Who You Are</h2> <p>Figuring it all out is tricky. You want to know what's going to happen and how it's all going to play out. Chances are your life will be nothing like how you expected, and that's for the better. Take a deep breath and dive into your 20s headfirst; you'll bob back to the surface in no time.</p> <p><em>Have any lessons you have learned in your 20s? Let us know in the comments.</em></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> There&#039;s a lot of years ahead of you; get the basics down now. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Habits-Confident-People-37623241">19 Epic Traits of Confident Extroverts</a></li> <li><a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></li> <li><a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Happier-Your-20s-35251458">25 Ways to Be Happier in Your 20s</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/22-lessons-every-20-something-should-learn">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/10-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-mats">The 5 Best Exercise Mats</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/8-legit-ways-to-use-the-gym-for-free">8 Legit Ways to Use the Gym for Free</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-apps-that-pay-you-to-exercise">5 Apps That Pay You To Exercise</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Personal Development career goals growing up life life lessons personal goals responsibility twentysomethings Tue, 20 Oct 2015 11:15:25 +0000 POPSUGAR Smart Living 1589994 at http://www.wisebread.com Best Money Tips: Tried-and-Tested Tips For a Frugal Life http://www.wisebread.com/best-money-tips-tried-and-tested-tips-for-a-frugal-life-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tried-and-tested-tips-for-a-frugal-life-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl-shopping-78717652-small.jpg" alt="girl shopping" title="girl shopping" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some wonderful articles on tried-and-tested tips for a frugal life, what to do to shine at work, and tricks for spotting the best deals.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/How-Live-Frugally-24174070">66 Tried-and-Tested Tips for a Frugal Life</a> &mdash; To live a frugal life, don't rent a modem and look for cheaper means of transportation. [PopSugar Smart Living]</p> <p><a href="http://www.lifehack.org/articles/work/you-want-shine-work-these-5-things.html">If You Want To Shine at Work, Do These 5 Things</a> &mdash; Handling bad situations like a leader can enable you to shine at work. [Lifehack]</p> <p><a href="http://money.cnn.com/gallery/pf/2014/05/28/best-deals/index.html?section=money_pf&amp;utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+rss%2Fmoney_pf+%28Personal+Finance%29">Tricks for Spotting the Best Deals</a> &mdash; Avoiding add-ons at a restaurant can save you money. [CNN Money]</p> <p><a href="http://www.forbes.com/sites/learnvest/2014/05/28/5-money-mistakes-even-diligent-savers-make/?ss=personalfinance">5 Money Mistakes Even Diligent Savers Make</a> &mdash; Try to avoid making the money mistakes of putting all your savings in one account and saving as much cash as you possibly can. [Forbes]</p> <p><a href="http://www.smartonmoney.com/5-tips-for-reducing-financial-stress/">5 Tips for Reducing Financial Stress</a> &mdash; Reduce your financial stress by getting help and taking action. [Smart On Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cleverdude.com/content/three-steps-to-saving-big-time-at-bed-bath-and-beyond/">Three Steps to Saving Big Time at Bed, Bath, and Beyond</a> &mdash; Signing up for offers on Bed, Bath, and Beyond's website can help you save big time. [Clever Dude Personal Finance and Money]</p> <p><a href="http://www.dumblittleman.com/2014/05/6-ways-deal-burnout.html">6 Ways to Deal with Burnout</a> &mdash; To deal with burnout, identify your purpose and take small steps. [Dumb Little Man]</p> <p><a href="http://sustainablepersonalfinance.com/enjoy-summer-without-breaking-bank/">How to Enjoy Summer Without Breaking the Bank</a> &mdash; Looking for free activities can help you enjoy summer without breaking the bank. [Sustainable Personal Finance]</p> <p><a href="http://www.marcandangel.com/2014/05/25/10-things-you-need-to-say-before-its-too-late/">10 Things You Need to Say Before It's Too Late</a> &mdash; Say &quot;thank you&quot; and &quot;I'm sorry&quot; before you don't have the chance to. [Marc and Angel Hack Life]</p> <p><a href="http://parentingsquad.com/7-tips-for-teaching-kids-proper-phone-etiquette">7 Tips for Teaching Kids Proper Phone Etiquette</a> &mdash; Reinforcing safety and politeness is important when teaching kids proper phone etiquette. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-tried-and-tested-tips-for-a-frugal-life-0">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/12-ways-to-tell-the-difference-between-being-frugal-and-being-cheap">12 Ways to Tell the Difference Between Being Frugal and Being Cheap</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-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-reasons-alone-time-is-good-for-your-soul">9 Reasons Alone Time Is Good For Your Soul</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/i-see-dumb-people-learn-to-cold-read-like-a-so-called-psychic">“I see dumb people” – Learn to cold-read like a so-called “psychic.”</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/wisdom-from-my-favorite-frugal-tv-character-julius-rock">Wisdom from My Favorite Frugal TV Character - Julius Rock</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips frugal life tips Thu, 29 May 2014 09:00:25 +0000 Ashley Jacobs 1141014 at http://www.wisebread.com Best Money Tips: Ways to Live a Life With No Regrets http://www.wisebread.com/best-money-tips-ways-to-live-a-life-with-no-regrets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-live-a-life-with-no-regrets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beach-1498091-small.jpg" alt="beach" title="beach" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on living a life with no regrets, cutting your own hair, and tasks you shouldn't put on the backburner.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.lifehack.org/articles/communication/11-ways-live-life-with-regrets.html">11 Ways to Live a Life With No Regrets</a> &mdash; If you want to live your life with no regrets, be afraid of being afraid. [Lifehack]</p> <p><a href="http://andthenwesaved.com/how-to-cut-your-own-hair/">How to Cut Your Own Hair - An Updated Guide!</a> &mdash; When cutting your own hair, stay calm and think ahead. [And Then We Saved]</p> <p><a href="http://timemanagementninja.com/2014/04/10-tasks-you-should-never-put-on-the-back-burner/">10 Tasks You Should Never Put on the Backburner</a> &mdash; Never put promises to others or safety issues on the backburner. [Time Management Ninja]</p> <p><a href="http://www.savvysugar.com/Good-Bedtime-Habits-34564273">Bedtime Habits That Will Improve Your Life Dramatically</a> &mdash; Before bed, stretch and write down what you are grateful for. [PopSugar Smart Living]</p> <p><a href="http://canadianfinanceblog.com/four-ways-to-deal-with-a-home-that-won%E2%80%99t-sell/">Four Ways to Deal With a Home that Won't Sell</a> &mdash; Renting your home may be an alternative to selling it if you are having trouble finding a buyer. [Canadian Finance Blog]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.dumblittleman.com/2014/04/five-tough-spring-cleaning-projects-tackle.html">Five Tough Spring Cleaning Projects and How to Tackle Them</a> &mdash; Tackle the spring cleaning project of dusty blinds by using microfiber cloths. [Dumb Little Man]</p> <p><a href="http://www.marcandangel.com/2014/04/13/20-things-to-stop-letting-people-do-to-you/">20 Things to Stop Letting People Do to You</a> &mdash; Stop allowing people to turn you into a backup plan. [Marc and Angel Hack Life]</p> <p><a href="http://lifehacker.com/how-to-find-out-which-foods-are-making-you-sick-1557628052">How to Find Out Which Foods are Making You Sick</a> &mdash; Eliminating dairy products then slowly adding them back into your diet can help you determine if they are making you sick. [Lifehacker]</p> <p><a href="http://www.thousandaire.com/six-essential-business-plan-components/">Six Essential Business Plan Components</a> &mdash; An executive summary and company description are just two essential business plan components. [Thousandaire]</p> <p><a href="http://parentingsquad.com/how-to-motivate-your-kids-after-spring-break">How to Motivate Your Kids After Spring Break</a> &mdash; To motivate your kids after spring break, keep them active and on a schedule. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-live-a-life-with-no-regrets">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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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/welcome-to-the-real-world-my-best-advice-for-new-graduates">Welcome to the Real World - My Best Advice for New Graduates</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/reverse-engineer-the-best-time-of-your-life">Reverse engineer the best time of your life</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/big-changes-or-small-changes">Big changes or small changes?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-moves-now-that-youll-regret-when-you-retire">5 Financial Moves Now That You&#039;ll Regret When You Retire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips life regrets Thu, 17 Apr 2014 09:00:20 +0000 Ashley Jacobs 1135774 at http://www.wisebread.com Best Money Tips: Ways to Make Life Simple Again http://www.wisebread.com/best-money-tips-ways-to-make-life-simple-again <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-make-life-simple-again" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beach-2156840-small.jpg" alt="beach" title="beach" class="imagecache imagecache-250w" width="250" height="174" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to make life simple again, items in your house you can use as pet toys, and what kinds of insurance you really need.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.marcandangel.com/2013/12/22/12-easy-ways-to-make-life-simple-again/">12 Easy Ways to Make Life Simple Again</a> &mdash; To make life simple again, learn to let go of what wasn&#39;t meant to be and focus on being productive instead of busy. [Marc and Angel Hack Life]</p> <p><a href="http://www.frugalconfessions.com/save-me-money/6-items-you-can-find-in-your-household-to-use-as-pet-toys.php">6 Items You Can Find in your House to Use as Pet Toys</a> &mdash; Keep your pet entertained by making a towel dog toy or a scratching board for your cat. [Frugal Confessions]</p> <p><a href="http://lifehacker.com/what-types-of-insurance-do-i-really-need-1488536904">What Types of Insurance Do I Really Need?</a> &mdash; Make sure you have auto and health insurance. [Lifehacker]</p> <p><a href="http://www.dumblittleman.com/2013/12/9-top-new-years-resolutions-how-to-make.html">Top 9 New Year&#39;s Resolutions - How to Make Them Happen</a> &mdash; If saving more money is a resolution of yours for next year, open a savings account to make it happen! [Dumb Little Man]</p> <p><a href="http://money.usnews.com/money/personal-finance/articles/2013/12/23/6-dos-and-donts-of-gift-returns">6 Do&#39;s and Don&#39;ts of Gift Returns</a> &mdash; Did you get a gift you will need to return this holiday season? Try to make your return when fewer customers will be there. [US News &amp; World Report]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.freemoneyfinance.com/2013/12/six-steps-to-make-the-most-of-your-finances.html">Six Steps to Make the Most of Your Finances</a> &mdash; To make the most of your finances, earn extra income and invest wisely. [Free Money Finance]</p> <p><a href="http://timemanagementninja.com/2013/12/10-ways-to-use-your-smartphone-camera-to-be-more-productive/">10 Ways to Use Your Smartphone Camera to Be More Productive</a> &mdash; Use your smartphone camera as a document scanner or to remember details. [Time Management Ninja]</p> <p><a href="http://www.savvysugar.com/Biggest-Company-Mistakes-2013-33077557">Biggest Consumer Fails of 2013</a> &mdash; Remember when McDonald&#39;s told its employees to sign up for food stamps? [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/5-ways-to-ring-in-2012-family-style">5 Ways to Ring in the New Year Family-Style</a> &mdash; Instead of staying up late to celebrate the New Year, celebrate in the morning. [Parenting Squad]</p> <p><a href="http://www.forbes.com/pictures/emdk45jdik/its-your-responsibility-too/?ss=personalfinance">How to Get Mom or Dad to Stop Driving</a> &mdash; If it is time for your parents to relinquish their driver&#39;s license, show concern and schedule a physical. [Forbes]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-make-life-simple-again">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/7-ways-to-sneak-more-exercise-into-your-busy-schedule">7 Ways to Sneak More Exercise Into Your Busy Schedule</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/heres-one-good-financial-reason-why-you-shouldnt-live-in-the-present">Here&#039;s One Good Financial Reason Why You Shouldn&#039;t Live in the Present</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/8-ways-to-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</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/12-frugal-skills-you-must-have-to-survive-mondays">12 Frugal Skills You Must Have to Survive Mondays</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips life simple Thu, 26 Dec 2013 11:01:44 +0000 Ashley Jacobs 1102189 at http://www.wisebread.com Best Money Tips: Stack the Deck for a Better Life http://www.wisebread.com/best-money-tips-stack-the-deck-for-a-better-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-stack-the-deck-for-a-better-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-face-2507834-small.jpg" alt="happy face" title="happy face" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on stacking the deck for a better life, how retirees can avoid going broke, and ways to save on car repairs.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/2013/11/how-to-stack-deck-for-better-life.html">How to Stack the Deck for a Better Life</a> &mdash; Take the time to evaluate the worth of your relationships. Hold onto the ones that help you move towards your goals and let go of the ones that are holding you back. [Dumb Little Man]</p> <p><a href="http://bargainbabe.com/6-ways-retirees-can-avoid-going-broke-dedicated/">6 Ways Retirees Can Avoid Going Broke - Dedicated</a> &mdash; To avoid going broke, retirees can set a budget and pay off their debts before retiring. [Bargain Babe]</p> <p><a href="http://lifehacker.com/five-ways-to-save-serious-money-on-car-repairs-1345055827">5 Ways to Save Serious Money on Car Repairs</a> &mdash; Save money on car repairs by checking Yelp reviews before you head to the mechanic. [Lifehacker]</p> <p><a href="http://freefrombroke.com/6-behavioral-finance-issues-may-ruining-finances/">These 6 Behavior Finance Issues May Be Ruining Your Finaces</a> &mdash; Do you fall prey to the hindsight bias? If so, you may be ruining your finances. [Free From Broke]</p> <p><a href="http://timemanagementninja.com/2013/11/10-small-productivity-wins-you-should-celebrate/">10 Small Productivity Wins You Should Celebrate</a> &mdash; If you got all your must do items done, take a little time to celebrate! [Time Management Ninja]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialhighway.com/get-paid-youre-worth/">How to Get Paid What You&#39;re Worth</a> &mdash; Quantifying your contributions to your boss can help you get paid what you&#39;re worth. [Financial Highway]</p> <p><a href="http://www.marcandangel.com/2013/11/10/8-ways-to-stop-hurting-your-happiness/">8 Ways to Stop Hurting Your Happiness</a> &mdash; Stop hurting your happiness by avoiding eating garbage. [Marc and Angel Hack Life]</p> <p><a href="http://www.savvysugar.com/Black-Friday-Store-Hours-2013-32378069">Eyes on the Clock: Black Friday Store Hours</a> &mdash; Did you know Best Buy is starting their Black Friday sales at 6 p.m. on Thanksgiving Day? [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/nutrition-michelle-obama-and-10-tips-for-a-healthy-diet">Nutrition, Michelle Obama, and 10 Tips for a Healthy Diet</a> &mdash; To make sure your children eat a healthy diet, set precedents that will last. [Parenting Squad]</p> <p><a href="http://christianpf.com/simple-folders-productivity/">How to Be More Productive with 3 Simple Folders</a> &mdash; Keep your life productive with a reference, waiting for, and project folder. [Christian PF]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-stack-the-deck-for-a-better-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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/welcome-to-the-real-world-my-best-advice-for-new-graduates">Welcome to the Real World - My Best Advice for New Graduates</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/reverse-engineer-the-best-time-of-your-life">Reverse engineer the best time of your life</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/20-great-lifehack-lists-everyone-should-read">20 Great Lifehack Lists Everyone Should Read</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/big-changes-or-small-changes">Big changes or small changes?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips better life lifehacks Thu, 14 Nov 2013 11:00:04 +0000 Ashley Jacobs 1096693 at http://www.wisebread.com Best Money Tips: Making Finances a Positive Part of Your Life http://www.wisebread.com/best-money-tips-making-finances-a-positive-part-of-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-making-finances-a-positive-part-of-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy-bank-2809694-small.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="143" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on making finances a positive part of your life, reasons to push yourself, and getting the most out of your internship.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.biblemoneymatters.com/making-finances-a-positive-part-of-your-life/">Making Finances a Positive Part of Your Life</a> &mdash;Letting go of your past mistakes and focusing on the things you've done right will help you make your finances a positive part of your life. [Bible Money Matters]</p> <p><a href="http://timemanagementninja.com/2013/08/8-reasons-to-push-yourself-today/">8 Reasons to Push Yourself Today</a> &mdash; Pushing yourself will help you learn new things and test your limits. [Time Management Ninja]</p> <p><a href="http://lifehacker.com/how-can-i-get-the-most-out-of-my-internship-1168904419">How Can I Get the Most Out of My Internship?</a> &mdash; Get the most out of your internship by getting feedback from someone you trust and by not wasting your free time. [Lifehacker]</p> <p><a href="http://wealthyturtle.com/if-youre-creative-you-can-cap-college-costs-using-these-6-strategies/">If You're Creative, You Can Cap College Costs Using These 6 Strategies</a> &mdash; If you work for an employer who offers tuition reimbursement, take advantage of that to save money! [The Wealthy Turtle]</p> <p><a href="http://www.savvysugar.com/Personal-Finance-Principles-24379477">4 Personal Finance Principles to Live By For a Richer Life</a> &mdash; To have a richer life, live within your means. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://howsmarriedlife.net/at-what-stage-in-a-relationship-should-couples-look-to-buy-property">At What Stage in a Relationship Should Couples Look to Buy Property?</a> &mdash; Only buy property together after you are committed if you can handle risk. [How's Married Life?]</p> <p><a href="http://freefrombroke.com/teen-job-open-retirement-account/">If Your Teen Has a Job, It's Not Too Early to Think About Retirement</a> &mdash; Encourage your teen to save for retirement while they are in high school especially if they have a job that enables them to contribute to a retirement account. [Free From Broke]</p> <p><a href="http://www.marcandangel.com/2013/08/18/7-questions-you-are-too-scared-to-ask/">7 Questions You Are Too Scared to Ask</a> &mdash; Don't be afraid to ask yourself if the people around you are helping you or hurting you. [Marc and Angel Hack Life]</p> <p><a href="http://parentingsquad.com/6-ways-to-chronicle-the-first-day-of-school">6 Ways to Chronicle the First Day of School</a> &mdash; Come up with a list of questions to ask your child to chronicle his or her first day of school. [Parenting Squad]</p> <p><a href="http://www.dumblittleman.com/2013/08/5-excuses-to-throw-awesome-party-this.html">5 Excuses To Throw an Awesome Party This Summer</a> &mdash; If you are a football fan, throw an &quot;it's almost football season&quot; party. [Dumb Little Man]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-making-finances-a-positive-part-of-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-escape-the-paycheck-to-paycheck-cycle">How to Escape the Paycheck-to-Paycheck Cycle</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-financial-reasons-2016-needs-to-be-over-asap">7 Financial Reasons 2016 Needs to Be Over ASAP</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-money-lessons-we-can-learn-from-celebrities">Flashback Friday: 38 Money Lessons We Can Learn From Celebrities</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/welcome-to-the-real-world-my-best-advice-for-new-graduates">Welcome to the Real World - My Best Advice for New Graduates</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips finances life positive Thu, 22 Aug 2013 10:00:33 +0000 Ashley Jacobs 981432 at http://www.wisebread.com Best Money Tips: Tried and Tested Tips for a Frugal Life http://www.wisebread.com/best-money-tips-tried-and-tested-tips-for-a-frugal-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tried-and-tested-tips-for-a-frugal-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/thinking-4982831-small.jpg" alt="thinking" title="thinking" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on tips for a frugal life, free summer fun for kids, and cutting your cable bill 90%.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/How-Live-Frugally-24174070">44 Tried and Tested Tips For a Frugal Life</a> &mdash; If you want to live a frugal life, find affordable recipes and make your own detergent. [PopSugar Smart Living]</p> <p><a href="http://money.msn.com/saving-money-tips/post.aspx?post=ae7bcfbb-17c5-4a5f-a1dd-be6e969a909f&amp;ref=bfv">Free Summer Fun for Kids</a> &mdash; Keep your kids entertained for free over the summer by having them take the Pottery Barn Kids Summer Reading Challenge! [MSN Money]</p> <p><a href="http://www.moneytalksnews.com/2011/10/05/cut-your-cable-bill-90-percent-with-these-3-steps/#at_pco=cfd-1.0">3 Steps to Cut Your Cable Bill 90%</a> &mdash; To cut your cable bill 90%, start by taking note of what you watch and what's available. [Money Talks News]</p> <p><a href="http://www.creditsesame.com/blog/what-quitting-on-maternity-leave-may-mean-for-your-finances/">What Quitting on Maternity Leave May Mean for Your Finances</a> &mdash; Before you decide to quit your job while you are on maternity leave, it may be a good idea to build up your emergency fund a bit more. [Credit Sesame]</p> <p><a href="http://www.learnvest.com/2012/03/5-favorite-baby-shower-games-on-a-budget/">5 Favorite Baby Shower Games on a Budget</a> &mdash; Have all of your guests bring their baby photos to the shower and then have them guess which one belongs to who. [LearnVest]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.kiplinger.com/article/insurance/T028-C011-S000-protect-your-finances-from-dog-bites.html">Protect Your Finances From Dog Bites</a> &mdash; Make sure your homeowners insurance or renters insurance provides dog bite liability coverage. [Kiplinger]</p> <p><a href="http://www.freemoneyfinance.com/2013/05/who-knew-prom-was-so-expensive.html">Who Knew Prom was so Expensive?</a> &mdash; Last year, the average cost of prom was over $1,100. [Free Money Finance]</p> <p><a href="http://www.moolanomy.com/6609/how-to-start-a-franchise-and-become-a-franchisor/">How to Start a Franchise and Become a Francishor</a> &mdash; When starting a franchise, you must come up with a marketing plan and training programs. [Moolanomy]</p> <p><a href="http://www.bargaineering.com/articles/clever-idea-thought-save-money-wedding.html">One Clever Idea You've Never Thought of to Save Money on a Wedding</a> &mdash; Have you ever considered having a sponsor for your wedding? [Bargaineering]</p> <p><a href="http://parentingsquad.com/avoiding-the-mommy-wars">Avoiding the Mommy Wars</a> &mdash; To avoid getting into a battle with a fellow mom, accept the differences in your parenting decisions. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-tried-and-tested-tips-for-a-frugal-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/save-some-cash-with-these-6-clever-cleaning-hacks">Save Some Cash With These 6 Clever Cleaning Hacks</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-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</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/make-your-own-self-tanning-lotion-and-5-other-fabulous-diy-tips-from-the-web">Make Your Own Self-tanning Lotion and 5 Other Fabulous DIY Tips from the Web</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/i-see-dumb-people-learn-to-cold-read-like-a-so-called-psychic">“I see dumb people” – Learn to cold-read like a so-called “psychic.”</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-line-between-frugal-and-crazy">The line between frugal and crazy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips frugal life tips tricks Mon, 27 May 2013 10:00:31 +0000 Ashley Jacobs 976221 at http://www.wisebread.com Best Money Tips: Improve Your Life http://www.wisebread.com/best-money-tips-improve-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-improve-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2845871814_4dbec8ed38_z-1.jpg" alt="Improve Your Life" title="Improve Your Life" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on ways to improve your life, steps to take when you feel financially vulnerable, and when buying in bulk is more expensive.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.lifehack.org/articles/lifestyle/60-small-ways-to-improve-your-life-in-the-next-100-days.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+LifeHack+%28lifehack.org%29">60 Small Ways to Improve Your Life in the Next 100 Days</a> &mdash; Improve your life by eating your lunch outside. [Stepcase Lifehack]</p> <p><a href="http://moneyning.com/better-yourself/6-action-steps-to-take-when-you-feel-financially-vulnerable/">6 Action Steps to Take When You Feel Financially Vulnerable</a> &mdash; If you are feeling financially vulnerable, make sure your savings come first. [Money Ning]</p> <p><a href="http://cashmoneylife.com/when-buying-in-bulk-is-more-expensive/">When Buying in Bulk is More Expensive</a> &mdash; Impulse buys tend to be more expensive when you buy in bulk. [Cash Money Life]</p> <p><a href="http://www.richcreditdebtloan.com/these-things-are-hurting-your-credit-score/">These Things are Hurting your Credit Score</a> &mdash; If you have been written off to collections, it is hurting your credit score. [Rich Credit Debt Loan]</p> <p><a href="http://yesiamcheap.com/2011/05/7-free-or-inexpensive-items-that-can-save-you-money/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+yesiamcheap+%28Yes%2C+I+Am+Cheap%29">7 Free or Inexpensive Items That Can Save You Money</a> &mdash; Save money by getting a library card. [Yes, I Am Cheap]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/cash-free-05272011/">The Risks and Rewards of a Cash-Free Future</a> &mdash; By ditching using cash, you risk over-spending. [Credit Sesame]</p> <p><a href="http://parentingsquad.com/explore-the-lewis-and-clark-trail-for-a-historical-family-vacation-adventure">Explore The Lewis And Clark Trail For A Historical Family Vacation</a> &mdash; This summer, take a historical vacation to one of the major points of interests along the Lewis and Clark Trail. [Parenting Squad]</p> <p><a href="http://getcurrency.com/dining-travel/specialty-coffee-and-espresso-in-the-kitchen">Specialty Coffee and Espresso in the Kitchen</a> &mdash; Save money on espresso by making gourmet coffee at home on your own. [Currency]</p> <p><a href="http://www.thefinancialblogger.com/not-getting-the-job/">Not Getting The Job - How To Deal With It</a> &mdash; If you didn't get the job you wanted, deal with it by asking for interview feedback. [The Financial Blogger]</p> <p><a href="http://www.lifeoptimizer.org/2011/05/27/reasons-to-be-happy/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+lifeoptimizer+%28Life+Optimizer%29">5 Reasons to Be Happy</a> &mdash; If you have family, that is a great reason to be happy! [LIfe Optimizer]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-improve-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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/welcome-to-the-real-world-my-best-advice-for-new-graduates">Welcome to the Real World - My Best Advice for New Graduates</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/reverse-engineer-the-best-time-of-your-life">Reverse engineer the best time of your life</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/big-changes-or-small-changes">Big changes or small changes?</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-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips life Wed, 01 Jun 2011 10:00:25 +0000 Ashley Jacobs 558121 at http://www.wisebread.com The Three F Rule Can Lead You to Happiness http://www.wisebread.com/the-three-f-rule-can-lead-you-to-happiness <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-three-f-rule-can-lead-you-to-happiness" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/171785003_21668b0bc2.jpg" alt="The F Word" title="The F Word" class="imagecache imagecache-250w" width="250" height="237" /></a> </div> </div> </div> <p>In advertising, my chosen career, there is an unwritten rule for working with clients that makes everyone&rsquo;s lives just a little better. It&rsquo;s the Three F Rule. But when I explained it to people outside of my industry, they immediately saw ways that it could apply to their own lives. And so, I&rsquo;m sharing it with you.</p> <p class="MsoNormal"> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><p> Now anyone who works as a creative services provider, and that covers a wide variety of careers, will easily be able to understand the Three F Rule. It&rsquo;s a simple formula that keeps you sane and makes sure your working life doesn&rsquo;t <a href="http://www.wisebread.com/i-hate-my-job" title="&quot;I Hate My Job&quot; Guide">go off the rails</a>. As you can imagine, three &ldquo;F&rdquo; words are at the heart of this philosophy; and not one of them is R-rated by the way.</p> <p class="MsoNormal">The three words represent the three key traits of working for a client. If you consistently have two of these, and it can be any two, then you&rsquo;re doing well. If you have all three, you&rsquo;re more lucky than you know. If you only have one, you need to seriously reconsider your working relationship with that client. Something has to change to make this workable for you. And if you don&rsquo;t have one single trait, you must run as far away from that client as you can&hellip;and quickly.</p> <p class="MsoNormal">Here&rsquo;s the list. I hope you can see where this can apply in your own life. Maybe it will inspire you to rethink your situation and move on to greener pastures. Or it may just help you realize that you&rsquo;ve got a pretty good thing going on after all.</p> <h2><b>FUN</b></h2> <p class="MsoNormal">It&rsquo;s simple enough &ndash; is the work you&rsquo;re doing for that client fun? Does it make you happy and fulfilled? Do you look forward to getting out of bed to go and resume the project, or does it keep you awake at night filled with dread? Fun is an important part of the creative process, but it applies to so many professions. Some people look forward to working on the production line, others hate it. Some hate cutting hair, others can&rsquo;t wait to jump out of bed to get to work. Whatever your profession, you need to be having some fun doing it. Like my dad, and many others have said, if you do a job you like you&rsquo;ll never work a day in your life.</p> <h2> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--><p> <b>FAME</b></h2> <p class="MsoNormal">This is not Hollywood fame. This is more a case of getting noticed in your field, and that subject is wide-open. In my profession, fame comes from doing work that wins awards and/or gets a coveted spot in your portfolio. And I can tell you from experience that very few clients give you the chance of doing work that brings fame. But when that client does come along, you grab the opportunity with both hands. After all, this is work that could lead to bigger and better things. Now, how this applies to your own life obviously depends on what it is you do. If you&rsquo;re an accountant, you may get the chance to work with a business that has significant connections; this could lead to a lot more work with a better class of clientele. If you bake cakes, you may do a commission for almost no money if the exposure is right for your masterpiece. Assess the situation, see if the fame the job will bring is worth all the extra time you&rsquo;ll be putting in. Most people will forgo money for the chance at working with a client that will bring fame and additional work.</p> <h2><b>FORTUNE</b></h2> <p class="MsoNormal">It should probably say &ldquo;money&rdquo; but that would ruin the theme. Fortune is too strong a word, we&rsquo;re simply talking about income here. At the very least, you need to earn money for what you&rsquo;re doing. But the three F rule is a balancing act. Now, if the job you&rsquo;re working on is fun, and will bring at least a moderate amount of fame, then fortune will probably take a backseat. But if the job is about as fun as a funeral, and the work will never get noticed, then you MUST have fortune. You need to compensate for the lack of the other two significantly to make up for the amount of misery the rest of the job brings. At the end of the day, when you&rsquo;re up at 2am working on a job that will bring you nothing but headaches and heartaches, you can at least comfort yourself with the big payday that&rsquo;s coming (think of the guys who go crab fishing). If you have fortune and fun, fame is a bonus. If you have fame and fortune, you may have to let fun go bye-bye to keep the job.</p> <p class="MsoNormal">In short, when it comes to the Three F Rule you need to go with the formula that works for you, but in general, two of the three traits will usually keep you happy.</p> <p class="MsoNormal">So there it is - The Three F Rule. In my industry, having just one (or none) of these qualities eventually leads to the fourth F &ndash; you FIRE the client. In your life, that may not be applicable. But hopefully this guide can help you have a more fulfilling working career and live a happier life.</p> <!--[if !supportEmptyParas]--><!--[if !supportEmptyParas]--></p> <p class="MsoNormal"><span style="">Carpe diem. <br /> </span></p> <!--EndFragment--><!--EndFragment--><p>&nbsp;</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/the-three-f-rule-can-lead-you-to-happiness">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/how-to-be-happy">How to be happy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stay-focused-at-work-despite-your-chatty-coworkers">How to Stay Focused at Work Despite Your Chatty Coworkers</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-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</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-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</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-healthy-habits-to-take-to-work">10 Healthy Habits to Take to Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Entrepreneurship advertising happiness life work Sat, 08 Aug 2009 14:00:02 +0000 Paul Michael 3479 at http://www.wisebread.com Will "forced frugality" last? http://www.wisebread.com/will-forced-frugality-last <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/will-forced-frugality-last" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/penny.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="250" /></a> </div> </div> </div> <p>Lately I have been hearing about the concept of &quot;forced frugality&quot; from the media and my peers.&nbsp; Many colleagues and&nbsp; family members say they feel a need to be frugal in this economic climate due to <a href="http://www.wisebread.com/lost-my-job-tips-for-the-recently-laid-off">job loss</a> and investment losses.&nbsp; With this shift to frugality it seems that shopping at thrift or dollar stores is suddenly trendy.&nbsp; However, will this <a href="http://www.wisebread.com/the-new-normal-economy">new wave of frugality</a> last?</p> <p>Right now some households have no choice but to be frugal.&nbsp; With job losses, credit card companies aggressively <a mce_href="http://www.boston.com/business/personalfinance/articles/2009/01/31/lenders_abruptly_cut_lines_of_credit/" href="http://www.boston.com/business/personalfinance/articles/2009/01/31/lenders_abruptly_cut_lines_of_credit/">cutting credit lines</a>, and <a mce_href="http://money.cnn.com/2009/07/07/smallbusiness/small_business_home_equity_loans_frozen.smb/?postversion=2009070812" href="http://money.cnn.com/2009/07/07/smallbusiness/small_business_home_equity_loans_frozen.smb/?postversion=2009070812">home equity lines drying up</a> due to the drop in real estate prices, many are forced to be conservative with their cash. &nbsp;</p> <p>If these households were not particularly thrifty previously, this new financial reality may be painful.&nbsp; There is definitely a learning curve to spending less.&nbsp; You have to research cheaper alternatives to everything in life and find creative ways to <a href="http://www.wisebread.com/getting-by-without-a-job-part-3-cut-spending">cut expenses</a>.&nbsp; Another issue with a sudden conversion to frugality is that many things that were taken for granted may become luxuries.&nbsp; Several friends have told me that they are eating out less, and some are buying less entertainment.&nbsp; It is understandable that this sudden onset of forced frugality can cause quite a bit of anxiety because people feel that they have to work harder to live on less.</p> <p>In contrast, those who were already living a frugal lifestyle are enjoying this recession in many ways.&nbsp; Many retailers and restaurants are cutting prices to attract customers, and the frugal folks are seeking these deals out and stocking up.&nbsp; A lot of them are also quite happy that their frugal habits are now more <a href="http://www.wisebread.com/not-driving-your-less-frugal-friends-crazy">accepted by others</a>.</p> <p>But will the newly frugal carry their current survival tactics past the current economic malaise?&nbsp; Will they realize that <a href="http://www.wisebread.com/getting-by-on-a-lot-less-money-3-ways-its-easier-than-you-think">living on less</a> is easier than they once thought? Can they learn to enjoy saving money and living a simpler life?&nbsp; Or will forced frugality continue to feel painful and restrictive, so that they'll jump right back to their old lifestyles once they could afford it again?&nbsp; How long will it take until forced frugality becomes a habit that can't be kicked even when it's no longer necessary?</p> <p><em><strong>Are you being forced to be frugal right now?&nbsp; Will you stick with a frugal lifestyle once the economy recovers?</strong></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/will-forced-frugality-last">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/is-living-on-one-income-a-status-symbol">Is living on one income a status symbol?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-big">How to save BIG</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/it-costs-nothing-to-be-nice">It costs nothing to be nice.</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/biggest-money-saving-tip-move-far-away-from-the-joneses">Biggest Money Saving Tip: Move Far Away from the Joneses</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Lifestyle Economy frugality life lifestyle Sat, 18 Jul 2009 17:00:02 +0000 Xin Lu 3401 at http://www.wisebread.com Big changes or small changes? http://www.wisebread.com/big-changes-or-small-changes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/big-changes-or-small-changes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/chicago-with-cloud-gate_0.jpg" alt="Chicago with cloud gate" title="Chicago with cloud gate" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>There are two ways to make a major change in your life. One is to make a series of small changes--this month you might brown-bag your lunch one day a week; next month you might go for a short walk every day. The other is to make all your changes at once--cook all your own meals, exercise daily, and turn your hobby into a business. Either way can produce permanent changes for the better.</p> <p>There are a lot of advocates for the strategy of making small changes one at a time. Practice one good habit regularly, and soon enough it will be a comfortable part of your life. A year's worth of such improvements can bring you to a very different place than where you started. All it takes is a willingness to try, persistence, and a little patience.</p> <p>I think, though, that the strategy of making big changes has its place. I see it as being appropriate when big changes are urgently needed, and especially when big changes are inevitable.</p> <h2>Piggyback on inevitable change</h2> <p>Sometimes your life is simply going to change--you're going away to school, you're changing jobs, you're moving, you're getting married or divorced, your child is being born or going away to college. Times like these, many things about your life are going to change anyway--why not be strategic about it?</p> <p>When you have to make a whole new schedule anyway, you have a natural opportunity to make big changes. Such a thing is always stressful, and the natural response to stress is to seek comfort and familiarity. Use that to your benefit.</p> <p>Take a few minutes to think about the things that give you comfort and pleasure--and then think of which of those things are good for you. Make a list of comforts that are healthy and cheap--phone calls with old friends, long walks in the evening, visiting the library, reading the Sunday paper.</p> <p>Then, when you make a new schedule to suit your new circumstances, go ahead and make an ideal schedule--include all the stuff you know you <strong>should</strong> do and leave out all the stuff that you know you <strong>shouldn't</strong> do--but be sure to include an abundance of things from your list of comforts.&nbsp; (The birth of a new baby or starting a new job might seem to leave little or no time for simple comforts, but you can almost surely make time for some by <em>leaving out the things you want to quit doing</em>.)</p> <p>Will it work? Maybe not. Maybe it won't work at all, and you'll have to go the slow route, taking small steps. But if you try the experiment when your schedule is all up in the air anyway, I think it's at least safe--you're not likely to end up further from where you want to be than you started. You're not even likely to lose any time that might have been spent adding one small habit--it's probably silly to try to make one more small change when you're already in the midst of major changes.</p> <p>If you're not in the midst of major changes, it's more of an open question--because then you <strong>are</strong> losing time that might be spent making small changes. It could still work--people make big changes in their life all the time, even if many try and fail. If you want to make big changes, and if you've never tried--or haven't tried in a long time--it may be an experiment worth trying.</p> <p>If not, small changes are another way to get where you're going. Not even a slow way, necessarily. Small changes can add up fast.<br /> &nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/big-changes-or-small-changes">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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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-dumb-little-things-you-need-to-stop-saying-today">9 Dumb Little Things You Need to Stop Saying Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/reverse-engineer-the-best-time-of-your-life">Reverse engineer the best time of your life</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/20-habits-you-must-start-right-now-and-be-a-better-person">20 Habits You Must Start Right Now and Be a Better Person</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/change-your-life-with-a-30-day-challenge">Change Your Life With a 30 Day Challenge</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips change your life changes changing habits habits life Sat, 04 Jul 2009 19:27:53 +0000 Philip Brewer 3351 at http://www.wisebread.com Book review: The Education of an American Dreamer by Peter G. Peterson http://www.wisebread.com/book-review-the-education-of-an-american-dreamer-by-peter-g-peterson <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/book-review-the-education-of-an-american-dreamer-by-peter-g-peterson" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/peterson.jpg" alt="The Education of an American Dreamer" title="The Education of an American Dreamer" class="imagecache imagecache-250w" width="240" height="240" /></a> </div> </div> </div> <p><a href="http://www.amazon.com/gp/product/0446556033?ie=UTF8&amp;tag=stuffies-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0446556033">The Education of an American Dreamer: : How a Son of Greek Immigrants Learned His Way from a Nebraska Diner to Washington, Wall Street, and Beyond</a> is the personal memoir of Peter G. Peterson, the cofounder of The Blackstone Group, and also the former U.S. Secretary of Commerce under President Nixon.&nbsp; Mr. Peterson became a billionaire when Blackstone went public in 2007, and he consequently founded the <a href="http://www.pgpf.org/">Peter G. Peterson Foundation.</a>&nbsp; This memoir is a fascinating and adventurous tale of life amongst the humble, rich, and powerful.&nbsp;&nbsp; </p> <p>I must say that I enjoy listening to senior citizens tell stories of their lives, and this book reads like a cool grandpa's retelling of the last sixty years. It chronicles the author's humble beginnings in a hardworking and frugal Greek immigrant family in Kearney, Nebraska to MIT, Chicago, the White House, and finally Wall Street.&nbsp; As a child during the Great Depression Mr. Peterson learned to be very frugal from his father and the theme of working hard and paying for things without excessive debt seems to run throughout the book.</p> <p>Along the way the book&nbsp; features many interesting vignettes of famous people such as Henry Kissinger, Richard Nixon, and several Rockerfellers. Many of the chapters contain a bit of self deprecating humor, and that kept the book from just being a history lesson.</p> <p>I also loved how Mr. Peterson wrote everything as if he feared noone.&nbsp; For example, he wrote about the inner circles of Nixon's administration with a bit of vitriol and decribed them as paranoid and underhanded. It was also pretty obvious that he became disillusioned as to how the government operates and there was a funny chapter about how he had to deal with baby seals and dolphins as the Secretary of Commerce.&nbsp;&nbsp; There is also a brutally honest chapter about the inner workings of the now defunct Lehman Brothers, where the author served as CEO for over a decade.&nbsp; Later, he recounted meeting the controversial Iranian President Mahmoud Ahmadinejad&nbsp; and bringing a friend who witnessed the Holocaust.&nbsp; Finally, Mr. Peterson writes that Ahmadinejad is a &quot;loathsome bigot&quot;.</p> <p> I have not read Mr. Peterson's other books, but by looking at the summaries of books such as <a href="http://www.amazon.com/gp/product/0312424620?ie=UTF8&amp;tag=stuffies-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0312424620">Running on Empty: How the Democratic and Republican Parties Are Bankrupting Our Future and What Americans Can Do About It</a>&nbsp; and <a href="http://www.amazon.com/gp/product/0679452567?ie=UTF8&amp;tag=stuffies-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0679452567">Will America Grow up Before it Grows Old: How the Coming Social Security Crisis Threatens You, Your Family and Your Country</a> it seems like that we are definitely on the same page.&nbsp; As a final note in the book Mr. Peterson started the Peter G. Peterson Foundation, which is a nonprofit organization focused on issues such as tax reform and the national debt.&nbsp;&nbsp; This is the same foundation that created&nbsp; the thought provoking documentary<a href="http://www.amazon.com/gp/product/B001P9G3HE?ie=UTF8&amp;tag=stuffies-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001P9G3HE"> I.O.U.S.A</a>., which has a portion<a href="http://www.iousathemovie.com/"> you can view here</a>.&nbsp; I have nothing but respect for what Mr. Peterson is trying to do for this country and future generations, and I appreciate that the final message of the book offers hope that future generations will be able to achieve t</p> <p>Finally, I think this memoir is definitely worth reading because I learned quite a bit about American history from its contents.&nbsp; It also covers a variety of business topics such as advertising, investing, starting a business, and international trade.&nbsp; Mr. Peterson's experience and perspective on these issues are worth learning from and I think America needs more intelligent people like him in public office.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/book-review-the-education-of-an-american-dreamer-by-peter-g-peterson">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/what-is-keeping-you-from-a-life-of-financial-independence">What is keeping you from a life of financial independence?</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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward 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/37-ways-youd-be-better-off-as-a-bum">37 Ways You’d be Better Off as a Bum</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/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Investment Lifestyle book review life memoir Tue, 23 Jun 2009 08:14:09 +0000 Xin Lu 3301 at http://www.wisebread.com Reverse engineer the best time of your life http://www.wisebread.com/reverse-engineer-the-best-time-of-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/reverse-engineer-the-best-time-of-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/hiker-silhouette.jpg" alt="hiker silhouette" title="Hiker Silhouette" class="imagecache imagecache-250w" width="250" height="373" /></a> </div> </div> </div> <p>Everybody has a &quot;best time&quot; of their life. Maybe it was the summer you spent hiking the Appalachian trail, or a semester abroad during college, or the second half of the first year at a new job (after you'd mastered the work and before it became routine). But why should the &quot;best time&quot; of your life be some time in the past? With some clear thinking and some effort, you can recapture what was great then for today.</p> <p>Reverse engineering means figuring out a design from a working example. (As opposed to regular engineering, where you start with theories and principles of what ought to work and then create a design from scratch.) If you're trying to build some something new or better, then regular engineering is probably the way to go. But if you've got a working example that's exactly what you want more of, then reverse engineering is often cheaper and often produces a better result. And what is more precisely &quot;what you want more of&quot; than the best time of your life?</p> <h2>The best of times</h2> <p>What makes one time better than another? It's different for everyone, of course--otherwise your high-school guidance counselor would have given you a pamphlet with all the answers. Certain threads show up repeatedly, though, so we've got a pretty good idea of the sorts of things that matter. The key is to figure out the right mix--and any elements that are unique to you.</p> <p>Note that it's okay to have more than one &quot;best time.&quot; In fact, the mark of complete success will be when a question about the best time in your life prompts you to say, &quot;How can I pick a best time, when all the times were so very good?&quot;</p> <p>The place to start is with some deep thinking about those &quot;best times.&quot; What was so great about them?</p> <p>Were you <strong>doing important work?</strong></p> <p>At a superficial level, many people remember a lazy summer or an island vacation as the best time of their life: They had minimal responsibilities. This is great for a few weeks, but it doesn't wear well. Much better is to do <a href="http://www.wisebread.com/find-work-worth-doing">work that matters</a>. And yet, there is also much to be said for <strong>responsibilities that don't weight too heavily</strong> on you. In this as in many things, it's important to strike a balance--and my advice is to look at your own experience for clues to the right balance for you.</p> <p>Were you <strong>part of a team?</strong></p> <p>Often the best times of your life will be times when you were doing something as part of a common endeavor. Sometimes you will be part of a team working together on a common project. Other times you might be part of a community of people working individually on related projects. One of the best times of my life was the six weeks I spent at the <a href="http://www.philipbrewer.net/Journal/clarion_journal.php">Clarion science fiction and fantasy writers workshop</a>. We were all working on our own stories, but also working together to learn how to write great fiction.</p> <p>Were you <strong>optimally challenged?</strong></p> <p>Whether at work or at play, people thrive when confronted with tasks that are difficult enough to be challenging, but not so difficult as to be frustrating--or, at least, not constantly frustrating. Here again, what's optimal is different for everyone, both in terms of the level of difficulty (which should match your ability) and in the degree of frustration. Some people thrive in an environment where their successes are preceded by months of failure, while others prefer to achieve some level of success every day.</p> <p>Were you <strong>self-directed?</strong></p> <p>Another reason that vacations tend to be remembered fondly (besides the minimal responsibility) is the maximum freedom: They could set their own agenda--or have no agenda at all. Closely related to this is being in control, at least of the things that matter most to you. Of course, having someone who's both wise and clever be in charge has upsides of its own. There's a whole spectrum on the continuum from being micro-managed to being footloose and fancy free. The best times of your life were probably spent when you were in about the right place on that continuum.</p> <p>Were you <strong>respected by your peers?</strong></p> <p>There aren't many things more important than having your peers think well of you. Parents and teachers sometimes say &quot;It doesn't matter what other people think,&quot; but that's a lie (even though self-respect is even more fundamental). Of course, you have to be careful when happenstance throws you in with a bunch of creeps, slackers, or losers. Choose your own peers; don't let circumstances choose them for you.</p> <p>There are lots of other factors to think about. You were probably <strong>doing new things</strong> that interested you. You were probably <strong>learning new things</strong> and <strong>developing new skills</strong>. Perhaps you were <strong>interacting with people</strong> who were different from you. Perhaps you were <strong>advancing a cause</strong> that you believed in. Perhaps the challenges you faced were divided between <strong>physical and mental</strong> in a way that kept you both fit and alert. No doubt there are many factors I haven't thought of--including a few that are unique to you.</p> <p>Think about what it was that made the best times of your life so great. If you're a list-making sort, make a list.</p> <h2>Times versus moments</h2> <p>Some of the best times of our lives are not so much periods as they are moments. Those can rarely be recaptured. You only get one first kiss; the birth of your first child happens once at most.</p> <p>Sometimes a great moment can color the times around it. If you sank a three-pointer at the buzzer to win the championship game, that will likely make that whole season seem especially good in memory.</p> <p>Even in the moments, though, there are the clues as to what makes one time better than other--and that's what we're looking for. What it is about some particular moment that makes it great? Often it will be the sort of thing mentioned above: You overcame a challenge, your contributions to a group effort were recognized, you took a stand and turned out to be right.</p> <h2>Make these times like the best times</h2> <p>When you're just making a naked comparison between, let's say, the months you spent backpacking in Europe and your current life working in a cubicle (or the year you spent sailing around the world the world and your current life as a stay-at-home mom) it seems pretty tough to make these times more like those times. That's why we looked at the characteristics that went into making those times great. What you want to do now is introduce those characteristics into your life today.</p> <p>At the most basic level, this is easy: Do more of those things that you used to do then. (Make time by doing less of what you're doing now.) If your &quot;best times&quot; were, as many people's are, when you were a student or just out of school, you probably had less money then than you do now, so doing more of that stuff won't strain your finances.</p> <p>Of course, the specific things may be hard to manage--there are things you can do when you're living in a garret on the Left Bank that just aren't practical if you're living in a suburban split-level. But the specifics aren't so important as the characteristics. And you wouldn't want to repeat the specifics anyway--you've already done that.</p> <p>At the next level, start making more fundamental changes to your life. If the work you do isn't important, look for new work. Look around your current workplace for work that's worth doing and see if you can't arrange to do more of it. If there's no important work going on there, look around for places where there is. In any case, look for important work that you can do regardless of your job--volunteer work, artistic work, household work, etc.</p> <p>Some of these changes may take a long time, but this is one of the cases where even small incremental changes are worth making. If what sucks about your life now compared to when it was great is that you're not in control of how you spend your time, take control of one hour a week--anybody who's not a prisoner can do that.</p> <p>If your problem is that your work is not respected by your peers, start by looking at where the problem is. If it's in the quality of your work, then you can work on improving your skills. On the other hand, if it's because your so-called peers are a bunch of sneering jerks, look for new peers.</p> <p>Over time, you can make quite big changes--new job, new career, new home, new school, new course of study, new skills, new friends, new colleagues. If the ones you have now don't remind you of the ones you had during the best times of your life, start making changes. Start making <strong>these</strong> times more like <strong>those</strong> times.</p> <h2>Two kinds of balance</h2> <p>A lot of the best of times is a matter of balance. You want the right amount of responsibility, not too much. You want enough collaboration for the team to succeed, but enough solitude as well. You want to strike a balance between thinking and doing.</p> <p>Besides that, though, often the best times in your life are best because they're a change that gives you much more of what was lacking in your life. A vacation is great because it gives you leisure that was lacking. Your first job is great because it gives you money that was lacking.</p> <p>Sometimes you can find a perfect balance--just the right amount of leisure in your everyday life such that you never feel a need for a vacation. Other times, though, a series of changes is better than trying to find a single perfect spot. Serious runners don't try to find the one perfect workout and then do it every day. Instead, they mix it up. One day a week they do a long run. Three or four days later they do a fast run. In between they schedule short and medium runs or rest days, to give them time to recover. In some aspects, maybe the best of times will always be like this--only best for a while, after which you need to move on to something different. That's okay.</p> <p>Trying to engineer your life would be tough, which is why I recommend reverse engineering. Working from first principles about what makes a great life would be possible, but seems problematic in many ways. Fortunately, everybody has a time in their life that was the best so far. Use that as a model. You don't need to be a slave to it--if the best time of you life so far was high school you can probably do a lot better now--but it can show you one example of how to put things together to make a great life.</p> <p>Reverse engineer your way to saying that &quot;right now&quot; is the best time of your life.<br /> &nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/reverse-engineer-the-best-time-of-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/save-money-on-travel-accommodations">Save Money on Travel Accommodations</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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-thoughtful-and-frugal-personalized-gift-ideas">25 Thoughtful and Frugal Personalized Gift Ideas</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</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/taking-frugal-road-trips-even-when-gas-prices-are-high">Taking Frugal Road Trips (Even When Gas Prices Are High)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Lifestyle Art and Leisure best best of engineer engineering life reverse engineer Fri, 01 May 2009 09:33:35 +0000 Philip Brewer 3107 at http://www.wisebread.com