smartphone http://www.wisebread.com/taxonomy/term/440/all en-US Best Money Tips: Easy Ways to Beat Smartphone Addiction http://www.wisebread.com/best-money-tips-easy-ways-to-beat-smartphone-addiction <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-easy-ways-to-beat-smartphone-addiction" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_phone_544096764.jpg" alt="Woman trying to beat her smartphone addiction" 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 ways to overcome smartphone addiction, financial advice that you should ignore, and small ways to recharge this summer.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.airbetter.org/keep-indoor-air-fresh-pets/">15 Easy Ways to Overcome Smartphone Addiction</a> &mdash; Avoid keeping your phone near your workstation while you are studying or working. [easyWays]</p> <p><a href="http://everythingfinanceblog.com/20847/financial-advice-you-shouldnt-listen-to.html">3 Pieces of Financial Advice You Shouldn&rsquo;t Listen To</a> &mdash; Certain types of debt are not inherently good or bad. &quot;Good&quot; debt is only good if it can help you reach your goals. [Everything Finance]</p> <p><a href="https://www.popsugar.com/smart-living/Quick-Ways-Feel-Better-Summer-43623886">Small Ways to Recharge This Summer Without Going on Vacation</a> &mdash; Zone out for 15 minutes with a leave-on sheet mask. One with cooling benefits is especially refreshing! [PopSugar Smart Living]</p> <p><a href="https://www.getorganizedwizard.com/blog/2017/07/7-roadblocks-getting-organized-anxiety/">7 Roadblocks To Getting Organized When You Have Anxiety</a> &mdash; Organization is hard for most people, and anxiety just adds another layer to the difficulty. Follow these steps to overcome common organization problems! [Get Organized Wizard]</p> <p><a href="http://www.kiplinger.com/article/insurance/T028-C000-S002-how-to-get-your-insurer-to-pay-your-claims.html">How to Get Your Insurer to Pay Your Claims</a> &mdash; Here's what you need to know to avoid hassles and get a fair payment for a homeowner's or auto insurance claim. [Kiplinger]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thesimpledollar.com/how-to-make-money-as-a-pet-sitter-or-house-sitter-this-summer/">How to Make Money as a Pet Sitter or House Sitter This Summer</a> &mdash; Get the ball rolling by setting up a profile at a site like Rover.com or Care.com. [The Simple Dollar]</p> <p><a href="http://www.artofmanliness.com/2017/07/19/care-maintain-lawn-mower/">How to Care For and Maintain Your Lawn Mower</a> &mdash; Learn how to care for your lawn mower to keep it working effectively and extend its life span. [The Art of Manliness]</p> <p><a href="https://zenhabits.net/larning/">The 4 Keys to Learning Anything</a> &mdash; Relish the uncertainty that comes with learning something new. [zen habits]</p> <p><a href="http://www.airbetter.org/keep-indoor-air-fresh-pets/">How To Keep Your Indoor Air Fresh With Pets</a> &mdash; If you are puppy training or your pet has an accident in the house, use an enzyme cleaner to break down the particles in the mess and make it easier to clean. [AirBetter.org]</p> <p><a href="http://creativemoney.biz/create-change/">5 Reasons It&rsquo;s Okay to Suck At Money When You Start</a> &mdash; When you're trying to make a change, it's normal to mess up along the way. Don't be critical of your mistakes &mdash; be curious. [Creative Money]</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-easy-ways-to-beat-smartphone-addiction">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</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/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips smartphone Thu, 20 Jul 2017 08:30:10 +0000 Amy Lu 1987693 at http://www.wisebread.com 5 Smart Ways to Save on Smartphones http://www.wisebread.com/5-smart-ways-to-save-on-smartphones <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-smart-ways-to-save-on-smartphones" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-538872884.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Phones and phone service plans are an almost inescapable part of modern society. Every few years, we must choose a new cell phone and a new service plan to invest in. It's a modern necessity that can take up a huge chunk of our monthly expenses.</p> <p>Don't worry, there are several strategies that can help save you money on this necessity. (See also: <a href="http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service?ref=seealso" target="_blank">The Smart Way to Pay for Cell Phone Service</a>)</p> <h2>1. Repair the Phone You've Got</h2> <p>Do you have a glitchy or damaged phone? Tired of dealing with it? Don't sign up for a new phone just yet. Nearly every town has one or two smartphone repair shops that might be able to fix your phone.</p> <p>The diagnostic tests to determine if the problem can be fixed are typically free. The actual repairs can run anywhere from $50 to $150 depending on the device, the problem, and the store. That's still expensive, but it might be worth it if it prevents the need to purchase another $300 to $700 phone.</p> <h2>2. Sell Back Old Devices</h2> <p>If you determine it's time for a new cell phone, don't just throw the device in the trash. Many businesses have <a href="http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone?ref=internal" target="_blank">cell phone trade-in programs</a>.</p> <p>What exactly are trade-in programs? You sell the devices that are <em>not</em> currently being financed by a carrier or business to the store for cash. That's cash you can use to purchase your next phone. How much money you will receive is based on the following factors:</p> <ul> <li>The phone type;</li> <li>The phone's ability to power on;</li> <li>If the phone has cracks on the screen.</li> </ul> <p>The following stores have trade-in programs: Gazelle, Amazon, uSell, Best Buy, Walmart, EcoATM, Verizon Wireless, and T-Mobile.</p> <p>You might also want to check out Trade-Up programs from various cell phone carriers and stores. Trade-Up programs allow you to trade in your old phone and put the money directly toward your next phone purchase.</p> <h2>3. Don't Purchase Phones Directly From Cellphone Carriers</h2> <p>Amazon, eBay, Best Buy, and even Costco (pretty much any store other than the traditional phone carriers) can offer cheaper smartphone options. You should shop around to see if you can find new, used, or refurbished phones for a cheaper price.</p> <p>If you find a phone, you should check that the phone will be compatible with the cellular provider you use. (Some smartphones are locked to only work with certain providers.)</p> <h2>4. Purchase an Unlocked Smartphone</h2> <p>Why purchase an unlocked phone? Unlocked phones have the following benefits:</p> <ul> <li>They're available at a variety of stores;</li> <li>They aren't tied to one particular phone provider;</li> <li>They can be slightly cheaper;</li> <li>They allow the use of your phone on international trips;</li> <li>You're able to leave a provider and take your phone with you.</li> </ul> <p>If you decide to purchase an unlocked new, refurbished, or used smartphone, you need to keep in mind that you will most likely need to either purchase or receive a SIM card from a store or the cellular provider you opt to use.</p> <p>Cell phone companies have different plans for unlocked phones. These plans typically have monthly payments like more traditional phone plans. Or, you can opt to just purchase pre-paid SIM cards from stores like Amazon and Best Buy.</p> <h2>5. Choose the Best Plan for You</h2> <p>Don't just sign onto the first provider you stumble across. You should check out a wide variety of plans before signing up. Consider your usage habits. Don't automatically sign up for the cheapest plan not knowing how much data you use each month. You'll be in for budget-breaking overage charges. But don't just sign up for the unlimited plan, either, just to have a safety net from possible overage charges. The only thing worse than paying for using too much data, is paying for data you'll never use.</p> <p>Plan comparison sites can help you get a general sense of how much various phone providers cost. Two sites that can help you determine which provider offers the best plans are <a href="http://www.myrateplan.com/" target="_blank">MyRatePlan.com</a> and <a href="https://www.whistleout.com/" target="_blank">WhistleOut.com</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/5-smart-ways-to-save-on-smartphones">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working 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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-unlimited-data-still-a-thing">Is Unlimited Data Still a Thing?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology cell plan Cell service money phone phone bill saving money smartphone unlimited data Wed, 08 Mar 2017 10:30:37 +0000 Samantha Stauf 1905167 at http://www.wisebread.com 7 Tools and Gadgets Your Smartphone Can Replace http://www.wisebread.com/7-tools-and-gadgets-your-smartphone-can-replace <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-tools-and-gadgets-your-smartphone-can-replace" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-519709446.jpg" alt="Woman using smartphone to replace tools and gadgets" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Cameras, phones, GPS devices &mdash; we all know about those. But did you know that your smartphone can replace a wide range of esoteric tools and devices? From the scientific calculator to the credit card reader to the remote control, here is a list of tools and gadgets you can replace with your smartphone.</p> <h2>1. Math Software</h2> <p>Yes, your smartphone already comes with a calculator and a scientific calculator. However, those calculators will give you little help when facing the challenges of a quadratic equation, system of linear equations, or inequality with absolute value. (See also: <a href="http://www.wisebread.com/11-useful-genius-math-tricks-that-are-actually-easy?ref=seealso" target="_blank">11 Useful, Genius Math Tricks That Are Actually Easy</a>)</p> <p>This is where <a href="http://photomath.net" target="_blank">Photomath</a> comes in, allowing you to snap a pic of virtually any type of math problem. The app then solves that problem for you, and showing you step-by-step instructions. Think of this app as one of those bulky Texas Instruments calculators on steroids! And the best part is that downloading the app is free.</p> <h2>2. Check Deposit Machine</h2> <p>It's Saturday, you just got that $600 check that you've been waiting for, and there's no way you can get to the bank before closing time. You also have no clue how close the next ATM that accepts check deposits is. Instead, you could endorse your check, add a note &quot;for mobile deposit only,&quot; snap a pic of it, and receive up to $200 the next business day.</p> <p>As early as 2009, many banks around the country have issued a smartphone app that allows account holders to do mobile check deposits. Most financial institutions make the <a href="http://www.consumerreports.org/cro/magazine/2014/10/pros-and-cons-of-mobile-check-deposit/index.htm" target="_blank">first $200</a> of a mobile check deposit available for withdrawal the next business day, and the rest of the funds available on the second or third day for withdrawal. Contact your financial institution for more details and applicable rules.</p> <h2>3. Thermal Imaging Camera</h2> <p>Drafty windows are one of the <a href="http://www.wisebread.com/9-sneaky-home-money-pits-that-sap-your-savings?ref=internal" target="_blank">sneaky home money pits</a> that sap your savings. Hiring a contractor to check this out for you can cost you hundreds before even starting to fix the problem. The <a href="http://amzn.to/2kVxsKK" target="_blank">Flir One Thermal Imager</a> is a device that turns your smartphone into a thermal imaging camera, allowing you to find drafty windows and other poorly insulated spots.</p> <p>While you'll have to invest about $250 in a Flir One Thermal Imager, you can quickly make back that money by lowering your energy bill by <a href="https://www.energystar.gov/index.cfm?c=home_sealing.hm_improvement_methodology" target="_blank">up to 10%</a> per year and taking advantage of rebates and special offers from Energy Star products used in your insulation projects.</p> <h2>4. Credit Card Reader</h2> <p>Since about <a href="http://www.bankrate.com/finance/consumer-index/financial-security-charts-0514.aspx" target="_blank">40% of Americans</a> carry less under $20 in cash on them and 9% of them carry no cash at all, you shouldn't be surprised that it is even harder nowadays to get your friends and relatives to pay you back that $15 they owe you.</p> <p>But you do know that your debtors have a debit or credit card laying around! So, leverage a credit card reader from <a href="https://www.paypal.com/us/webapps/mpp/credit-card-reader" target="_blank">PayPal</a> or <a href="https://squareup.com/reader" target="_blank">Square</a> and start accepting card payments on your smartphone. While the two companies mail you the first credit card reader for free, PayPal and Square charge 2.7% and 2.75% per U.S. debit or credit card swipe, respectively. Paying up to $0.41 for having your $15 today instead of in two months isn't a bad deal at all.</p> <p>Got no Internet connection? No problem, Square's app allows you to collect payment as long as you reconnect to the web within <a href="http://squareup.com/help/us/en/article/5095-process-payments-with-offline-mode" target="_blank">72 hours</a> from the time of the card swipe.</p> <p>And if you want to forgo the phone attachment, you can also choose from several apps that allow users to transfer money to each other directly. (See also: <a href="http://www.wisebread.com/6-mobile-payment-tools-you-should-start-using-today?ref=seealso" target="_blank">6 Mobile Payment Tools You Should Start Using Today</a>)</p> <h2>5. Car Diagnostic Tool</h2> <p>As cars are becoming smarter, they all provide much more information than you think. With the <a href="http://amzn.to/2kOSE2k" target="_blank">Automatic Pro</a>, you can connect to just about any car's standard diagnostics (OBD-II) port and unlock the data in your car's onboard computer. Most cars manufactured since 1996 have this port and are compatible with the Automatic Pro (here's the <a href="https://www.automatic.com/cars/" target="_blank">full list</a>).</p> <p>By investing about $130, you'll become a &quot;car whisperer&quot; and pay zero fees for unlimited monitoring. As a bonus, the Automatic Pro connects to many apps, such as Expensify and Freshbooks for invoicing mileage driven.</p> <h2>6. Level</h2> <p>How many times have you needed a level to hang a frame, mount a TV, or adjust the height of a table? A bubble level can cost you anywhere from $5 to $50 at your local or big box hardware store. Not to mention that you have to drive there, stand in line, and drive back, delaying your start time by up to a couple of hours to start that home project.</p> <p>Instead, you could download a free level smartphone app, such as <a href="https://play.google.com/store/apps/details?id=net.androgames.level&amp;hl=en" target="_blank">Bubble Level</a> for Android devices or <a href="https://itunes.apple.com/app/id293621500" target="_blank">iHandy Carpenter</a> for Apple devices, and get to work right away.</p> <h2>7. Universal Remote</h2> <p>At my home, we used to have a separate remote for the DVD player, the TV, the cable box, and the air conditioner. That was until we discovered that a smartphone can connect to many electronics and home appliances through its built-in infrared (IR) blaster.</p> <p>While there are many universal remote controller apps out there, <a href="http://peel.com" target="_blank">Peel</a> gets top marks because it connects your smartphone to TVs, set-top boxes, DVD players, entertainment portals such as Roku and Apple TV, audio systems, and home appliances such as air conditioners and heaters. You can download Peel for free, but you may need to purchase the <a href="http://amzn.to/2kVySoq" target="_blank">Pronto 360-degree IR blaster</a>, depending on the connectivity options of devices that you want to control.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-tools-and-gadgets-your-smartphone-can-replace">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/earn-extra-income-with-your-smartphone-camera">Earn Extra Income With Your Smartphone Camera</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-phone-cases">The 5 Best Waterproof Phone Cases</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/34-smart-ways-to-cut-your-electric-bill">34 Smart Ways to Cut Your Electric Bill</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/organize-8-key-areas-of-your-life-with-these-17-smart-apps">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Technology Android apps you need iPhone modern technology smartphone smartphone apps tech gadgets tools Thu, 16 Feb 2017 10:30:27 +0000 Damian Davila 1892849 at http://www.wisebread.com The 5 Best Bluetooth Trackers http://www.wisebread.com/the-5-best-bluetooth-trackers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-bluetooth-trackers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_phone_506889560.jpg" alt="Woman using best bluetooth trackers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you tend to lose things (like your keys, phone, or wallet), then you need a Bluetooth tracker. It can help you find lost or misplaced items using your Bluetooth connection. These tracking devices can quickly find your lost belongings, so you can get out the door more quickly.</p> <p>You can attach a tracker to your bike, electronics, keys, and anything else you tend to lose. You can even leave a tracker in your car, so you can always find your parking space when you&rsquo;re shopping or using street parking.</p> <h2>What Is a Bluetooth Tracker?</h2> <p>A Bluetooth tracker is a small gadget that you can attach to important items that you&rsquo;re worried about losing. Once you attach the tracker to your item, you can track it through the app. The tracker will emit an alarm so you can find your item in no time, or you can use a map on your device to find the item. It can save you time and frustration, making your life easier and less stressful.</p> <h2>Top 5 Bluetooth Trackers</h2> <h3>Tile Mate</h3> <p><a href="http://amzn.to/2jX6nCq"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/tile%20mate.jpg" width="153" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2jX6nCq">Tile Mate</a> is an updated version of the original Tile. It is now 25% smaller and has a hole in the corner, allowing you to easily hook it onto your keys or bag. It also now comes with four preset ringtones so you can customize the alarm sound.</p> <p>You can easily track an item with the free Tile app. The app automatically records the last known location of your item on a map, so you can quickly find it. You can also make it ring when you get close. The small tracker can also find your phone by making it ring, even on silent. The durable, reliable, sealed, waterproof tracker has a sleek design and very good range. The best part is that if your item is stolen, you can mark it as such on the app. Then, any Tile that is within range of your item can alert the network of your item&rsquo;s location so you can get it back in no time.</p> <p>The non-replaceable battery lasts at least one year from activation. The Tile Mate works with Android and iOS devices, as well as electronics with Bluetooth 4.0. It is an Amazon best-seller and is recommended by Wired, PC Advisor, PCMag, The Wirecutter, TechCrunch, BuzzFeed, and USA Today. It also has outstanding online reviews, including nearly 1,000 five-star reviews on Amazon. The <a href="http://amzn.to/2izhIwo">Tile Slim</a> is another option that is a bit slimmer, so you can more easily carry it in your wallet.</p> <p><a href="http://amzn.to/2jX6nCq"><em>Currently $24.99 on Amazon</em></a></p> <h3>TrackR bravo Generation 2</h3> <p><a href="http://amzn.to/2k2MnCI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/trackr.jpg" width="201" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2k2MnCI">TrackR bravo Generation 2</a> has a sleek, simple design. The coin-sized device has two-way tracking capabilities and a distance indicator to let you know when you&rsquo;re getting close to your item. It can quickly find your phone by making it ring, even on silent, or you can login to the website to see its location on a map. Thanks to custom separation alerts, if you leave your item behind, both your phone and TrackR device will ring to notify you.</p> <p>The durable, effective tracking device has a one-year replaceable battery. You can also share important items with friends or family, so everyone can locate your items. The best part is that if your item is stolen, you can mark it as such on the app. Then, any TrackR that is within range of your item can alert the network of your item&rsquo;s location so you can get it back in no time. In fact, TrackR claims to help find one million items every day.</p> <p>This is available in a range of colors. It works with iOS and Android devices with Bluetooth 4.0 and has Alexa integration. It is frequently recommended online by publications like The Wall Street Journal and Tom&rsquo;s Guide.</p> <p><a href="http://amzn.to/2k2MnCI"><em>Currently $22.50 on Amazon</em></a></p> <h3>PROTAG Duet Bluetooth Tracker</h3> <p><a href="http://amzn.to/2iMXEoR"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/protag.jpg" width="245" height="152" align="right" alt="" /></a>With the <a href="http://amzn.to/2iMXEoR">PROTAG Duet Bluetooth Tracker</a>, you can manage multiple valuables at once. It has two-way tracking for valuables attached to your Duet and your phone. The compact tracker features a Smart Alert to alert your phone when items are left behind, a Smart Locator to record the last GPS location, and a Smart Radar to scan an area of 30 meters to find valuables. It also has mobile protection, which allows it to capture a photo of the thief and record the SIM number. The replaceable battery should last about eight months.</p> <p>This works with iOS and Android devices with Bluetooth 4.0. It is available in a range of colors. It is frequently recommended online by publications like The Wall Street Journal and Tom&rsquo;s Guide. Some reviewers find the device to be faulty, but it is one of the most popular on the market.</p> <p><a href="http://amzn.to/2iMXEoR"><em>Currently $29.90 on Amazon</em></a></p> <h3>XY3 3rd Gen Item Finder</h3> <p><a href="http://amzn.to/2jX4nu7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/xy3.jpg" width="219" height="245" align="right" alt="" /></a>This started as a Kickstarter campaign and the <a href="http://amzn.to/2jX4nu7">XY3 3rd Gen Item Finder</a> is now one of the most popular Bluetooth trackers on the market. The new XY3 is water-resistant and five times louder than before. The exclusive KeepNear notifications let you know when your item is out of range, so you&rsquo;ll know if you&rsquo;re leaving something behind. It can quickly find your phone by making it ring, even on silent, or you can login to the website to see its location on a map. The best part is that if your item is stolen, you can mark it as such on the app. Then, any XY3 that is within range of your item can alert the network of your item&rsquo;s location so you can get it back in no time. The small, lightweight device uses a standard, easily replaceable CR2032 battery.</p> <p>This is available in eight different colors. It works with iOS and Android devices via a Bluetooth Low Energy signal. It has great reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2jX4nu7"><em>Currently $25.43 on Amazon</em></a></p> <h3>CUBE</h3> <p><a href="http://amzn.to/2jWQNH5" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cube.jpg" width="217" height="245" align="right" alt="" />The CUBE</a> uses a simple app to find your valuables in no time. It features the last known location on a map and uses Bluetooth to tell if you&rsquo;re near your item, with up to 100-feet range. It also has a separation alarm to alert you if you left something behind. It can locate your phone with ring, vibrate, and flash, even if the app is not running. The waterproof tracker also works as a shutter button for your phone&rsquo;s camera. It includes an extra battery, which should last you a year and can be replaced.</p> <p>This works with Android and iOS devices, as well as most Bluetooth devices. It has great reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2jWQNH5"><em>Currently $25.00 on Amazon</em></a></p> <p>And those are our recommendations for the best Bluetooth trackers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-bluetooth-trackers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</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-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-phone-cases">The 5 Best Waterproof Phone Cases</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-electronics-wipes">The 5 Best Electronics Wipes</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-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best bluetooth bluetooth accessories bluetooth trackers product reviews shopping smartphone Wed, 18 Jan 2017 10:00:08 +0000 Andrea Cannon 1868195 at http://www.wisebread.com Earn Extra Income With Your Smartphone Camera http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/earn-extra-income-with-your-smartphone-camera" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-491752390.jpg" alt="use your smartphone to make extra money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You no longer need to carry around a digital camera to capture in-the-moment photos. Today's smartphones feature fantastic cameras with surprising quality and clarity. For example, the latest iPhone 7 boasts a groundbreaking new camera, including the ability to take RAW photos and capture images in low light.</p> <p>The new camera quality in smartphones means they can be a tool to create a small photography side business. If you love taking photos and have a great eye, you can turn your artistic vision into cash, right from your phone.</p> <p>These three sites will pay cash for your smartphone photos. Here's how to get started.</p> <h2>EyeEm</h2> <p><a href="https://www.eyeem.com/" target="_blank">EyeEm</a> is one of the largest smartphone-picture platforms, with over 18 million creators. Available to both iPhone and Android users, you can sell photos for anywhere from $20 to $250, depending on the license.</p> <p>EyeEm also allows you to upload photos from your computer, so you can edit photos from your smartphone before posting them for sale.</p> <h2>Foap</h2> <p><a href="https://www.foap.com/" target="_blank">Foap</a> is a free app for iPhones that allows you to sell your photos. Once you sign up for an account, you upload your photos. To use any of your photos, a customer must purchase a photo license for $10; Foap keeps $5, and you get $5 as the artist.</p> <p>The great thing about Foap is that you are not limited in how many times you sell a photo. If that one adorable picture of your dog appeals to customers, you can sell it 100 times or more.</p> <h2>Fotolia Instant</h2> <p>With the <a href="https://blog.fotolia.com/us/category/instant/" target="_blank">Fotolia Instant app</a>, you can upload images from your Android or iPhone directly to Fotolia Instant Collection, which is a subset of the site dedicated solely to smartphone images for brands looking for stock images.</p> <p>Fotolia Instant allows you to include a model release, add keyword information, and manage every aspect of the sales process. You get a 33% commission for every photo you sell. Once you reach $50 in sales, you can request your payout via PayPal or Skrill.</p> <h2>Tips for Selling Your Photos</h2> <p>While you can turn your smartphone into a money-earner, the stock photo market can be crowded with other sellers. To increase your chances of customers buying your pictures, try to think from their point of view and what they need. Most shoppers are small business owners and bloggers looking for stock photos.</p> <p>They likely will need your photos for various purposes, so:</p> <ul> <li>Make sure your photos are large enough that they can be resized without getting blurry or grainy. <br /> &nbsp;</li> <li>Take advantage of your location. If your city has well-known landmarks or shopping districts, those areas can translate to very popular photos. <br /> &nbsp;</li> <li>You can also get inspiration by checking out blogs and looking at the stock photos they use for ideas for what shots sell.</li> </ul> <h2>Turning Your Phone Into Cash</h2> <p>Instead of just snapping selfies and paying for an expensive data plan, turn your smartphone camera into a cash-earning machine. If you love taking photos and have a unique point of view, you can turn your camera into a <a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle" target="_blank">decent side hustle</a>. Post photos on various sites to maximize your chances of earning extra money, and keep adding fresh content to keep customers coming back.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera">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-tools-and-gadgets-your-smartphone-can-replace">7 Tools and Gadgets Your Smartphone Can Replace</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/prizes-and-freebies-from-coupsmart-for-the-iphone">Prizes and Freebies from CoupSmart for the iPhone</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-a-drone">How to Earn Extra Income With a Drone</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</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-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology Android camera cash instagram iPhone photography photos side gig smartphone Tue, 17 Jan 2017 10:30:31 +0000 Kat Tretina 1873579 at http://www.wisebread.com 15 Ways to Prevent Your Smartphone From Wasting Data http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-ways-to-prevent-your-smartphone-from-wasting-data" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-502896132.jpg" alt="prevent your smartphone from wasting data" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you burn through your <a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">smartphone data</a> in the first week of the billing month? Are you constantly paying overage charges for additional data? We've got some tips to help prevent your smartphone from unnecessarily wasting data. This will save you money every billing cycle and ensure that you have the data you need to get you through the month.</p> <p>Unlimited data plans would be the ideal solution for many of us, but most phone companies just don't offer those types of plans anymore, unless you're willing to start a family plan. Even if your phone carrier does offer such a plan, they are usually very expensive. Instead, try some of the tips below to see if they can help you get the data you need, without going over your allowance.</p> <h2>1. Make Sure Your Wi-Fi Is On</h2> <p>Usually, the biggest problem is that a person has turned off their Wi-Fi and has just forgotten about it. Before we begin talking about ways to save data, make sure your Wi-Fi is turned on in the first place. Once your Wi-Fi is turned on, you should try leaving it on at all times, if possible.</p> <h2>2. Turn Off Cellular Data</h2> <p>Cellular data is used when there is no Wi-Fi connection. This will allow you to use the Internet wirelessly, but will eat into your monthly data allotment. Consider turning off your cellular data whenever you aren't using your phone.</p> <h2>3. Find Data-Hungry Apps and Services</h2> <p>While turning off cellular data is the best way to prevent unexpected data usage, it is usually a last resort for most people. That's because when cellular data is turned off, you can't use your personal hotspot or send and receive MMS text messages.</p> <p>Instead, you may want to disable cellular data only for certain apps and services. On an iOS device, visit Settings &gt; Cellular to determine which apps are using the most data, so you can turn off cellular data for those specific apps.</p> <h2>4. Turn Off Automatic Downloads</h2> <p>Your data may also be used for automatic downloads or for services like iBooks and Safari's reading list. On an iOS device, you can turn this off with Settings &gt; iTunes &amp; App Store &gt; Use Cellular Data for automatic downloads, Settings &gt; Safari &gt; Use Cellular Data for Safari's reading list, and Settings &gt; iBooks &gt; Use Cellular Data for iBooks.</p> <h2>5. Turn Off Wi-Fi Assist</h2> <p>Consider turning off your Wi-Fi assist whenever you aren't using your phone. Wi-Fi Assist automatically uses cellular data when the Wi-Fi connectivity is poor, which could be using up your data when you aren't expecting it.</p> <h2>6. Turn Off Background App Refresh</h2> <p>Your apps are automatically refreshing their content in the background. By turning off the refresh, you can preserve battery life and data. On an iOS device, you can do this under Settings &gt; General &gt; Background App Refresh.</p> <h2>7. Turn Off iCloud Drive</h2> <p>iCloud Drive can automatically upload backups of your apps, which can use up data when you're least expecting it. Consider turning off your iCloud drive altogether.</p> <h2>8. Turn Off iCloud Photos</h2> <p>When your iCloud photo library is turned on, your phone will automatically upload and store your entire photo library and iCloud. This can quickly eat away at your data, so consider turning it off.</p> <h2>9. Turn Off Data Roaming</h2> <p>To restrict all data to Wi-Fi, including email, web browsing, and push notifications while you're traveling, turn off data roaming. You can do this on an iOS device with Settings &gt; Cellular &gt; Data Roaming.</p> <h2>10. Use Low-Power Mode</h2> <p>If your phone offers a low power mode, it is best to leave this on whenever possible. This mode temporarily reduces power consumption until you have fully recharged your phone. When it is on, your phone won't refresh apps, fetch mail, or automatically download updates, which can save your battery and data.</p> <h2>11. Turn Off High-Quality Music Streaming</h2> <p>If you are listening to music without a Wi-Fi connection, you may be using up your data. With higher-quality music, more data is needed to stream it. You can shut off cellular data for your music altogether through Settings &gt; Music &gt; Use Cellular Data. This will only allow you to listen to music when Wi-Fi is available. You can also simply disable high-quality music.</p> <h2>12. Use Lower-Quality Video Streaming</h2> <p>When you're watching a YouTube video and don't have access to Wi-Fi, consider viewing the video at a lower resolution. Click on the three dots on the video and select a lower resolution, like 144p.</p> <h2>13. Listen to Spotify Offline</h2> <p>If you prefer to use Spotify, consider setting your favorite playlists to &quot;Available Offline.&quot; This will allow you to play your favorite songs without streaming.</p> <h2>14. Adjust Your App Settings</h2> <p>If you frequent social media apps, such as Facebook, Twitter, and Instagram, consider adjusting the settings on these apps. For instance, on all three social media apps, you can set it to auto-play videos only when you're connected to Wi-Fi (or not at all). Usually, these apps are set to auto-play videos using both Wi-Fi and data, which can use up your data to download the video, even if you weren't planning on playing it. On each of your social media pages, visit Settings to make the adjustments.</p> <h2>15. Call Your Cellular Provider</h2> <p>When all else fails, you can simply call your cellular provider for advice. There may be an error, which is no fault of yours. Otherwise, your provider can usually track down where most of your data was used, so you have an idea of which apps or services are draining your data. Sprint, AT&amp;T, and Verizon also offer a rough estimate of your data usage online.</p> <h2>How to Turn Off Apps and Services</h2> <p>If you aren't sure how to turn off cellular data, iCloud, or background app refresh, look under Settings. They are usually all under the General or iCloud sections. However, every phone is different, so if you are having trouble, ask your phone service provider or phone manufacturer for help.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service">The Smart Way to Pay for Cell Phone Service</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</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/5-smart-ways-to-save-on-smartphones">5 Smart Ways to Save on Smartphones</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-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</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-sites-that-will-pay-for-your-old-iphone">5 Sites That Will Pay for Your Old iPhone</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology bills data plan phone bill phone plan smartphone technology wasting data Mon, 19 Dec 2016 11:00:09 +0000 Andrea Cannon 1855929 at http://www.wisebread.com The Smart Way to Pay for Cell Phone Service http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-smart-way-to-pay-for-cell-phone-service" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_76229287_MEDIUM.jpg" alt="pre-paid vs post paid cell phone service" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average person spends just under <a href="http://www.consumerreports.org/cro/news/2014/04/how-prepaid-smart-phone-plans-stack-up/index.htm">$100 per month</a> on their <a href="http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill">smartphone bill</a>. This can be a hefty amount for any single person or couple to contend with, especially if they're trying to save money. Fortunately, there are some cheaper options available, but it's important to first decide if a prepaid or postpaid plan is right for you.</p> <h2>Prepaid (Off-Contract) Plans</h2> <p>Prepaid contracts mean less commitment, and maybe even less money, but does it make sense for your lifestyle?</p> <h3>Benefits of Prepaid</h3> <p>With a pre-paid plan, you won't have to worry about a contract, a credit check, late fees, or activation fees. You simply pay for what you need at the beginning of the month and enjoy a cellphone with less commitment and no binding contracts. The major phone carriers also charge less for their prepaid plans than they do for their traditional plans.</p> <p>In the event that you aren't happy with the prepaid phone service that you chose, you can always switch to another plan later with no penalties. You can even test out a phone plan to see if it offers reliable coverage in your area. Then, if you find that you need better coverage in your area, or feel another carrier would offer better coverage when traveling, simply make the switch.</p> <p>Keep in mind that each cell phone carrier will have its own stipulation on which phones you can use. For instance, some carriers will require you to purchase one of their smartphones, while others will require you to bring your own unlocked phone, and you will just need to pay an additional $10 for a SIM card. Before you sign up for a prepaid plan, make sure that they will accept your phone of choice.</p> <h3>Who It's Right For</h3> <p>If you tend to go over your cell allowance every month, then a prepaid plan can keep you in check, so you don't overspend. If your teen wants a cellphone, then a prepaid plan is the best way to go as it will limit how much they're able to talk and text every month, and you can even set up approved numbers and usage times, so they aren't calling their friends in the middle of the night.</p> <h3>Cheapest Plan</h3> <p>With so many prepaid options available, you can still stick with the big name providers, and save money in the process.</p> <p><a href="https://www.verizonwireless.com/mvp/mvs-prepaid.html">Verizon</a> has popular prepaid phone plans, starting at only $30 per month. They will even give subscribers an extra 1GB of data per month if you set up automatic payments.</p> <p><a href="https://prepaid.sprint.com/#!/plans/">Sprint</a> offers three popular prepaid plans, starting at just $35 per month for 1GB high-speed data and unlimited talk and text.</p> <p><a href="https://www.att.com/shop/wireless/gophone-plans.html?&amp;WT.srch=1&amp;source=ECPS0000000PSM00P">AT&amp;T</a> offers plans starting at only $30 per month (with an additional $5 per month discount if you set up automatic payments), but you can also choose from plans that allow you to pay $2/day or $0.25/minute.</p> <p><a href="https://prepaid-phones.t-mobile.com/prepaid-plans-individual">T-Mobile</a> offers affordable prepaid plans, including a $30 per month plan, which includes 5GB of data, unlimited text, and 100 minutes of talk time, which is ideal for anyone who doesn't use their phone for talking much. T-Mobile and Cricket also offer good prepaid family plans. If you make calls to other countries, then Ultra Mobile (from T-Mobile) offers a range of plans, which include unlimited texting and calling overseas, and starts at only $19 per month.</p> <p>If you don't need data, then you can easily find a $25 prepaid plan that includes unlimited talk and text through T-Mobile, Metro PCS, or Cricket Wireless. Straight Talk, Boost Mobile, and Virgin Mobile also offer affordable, straightforward prepaid plans.</p> <p>The Wirecutter also recommends <a href="https://www.consumercellular.com/Info/Plans">Consumer Cellular</a>, which offers service similar to AT&amp;T's, at a reduced price. Their most affordable plan is only $10 per month (per line) and allows family members on the same plan to share minutes and enjoy free calls between those phones. If you have the time to compare, there are a lot of other viable options, from less popular cell phone service providers.</p> <h2>Postpaid (Contract) Plans</h2> <p>It might be the more reliable option, but does that make it the best?</p> <h3>Benefits of Postpaid</h3> <p>Many cell phone users cite the most important benefit of postpaid plans is the reliability. For instance, if you're having trouble with your coverage, it can be more difficult to get a timely solution on a prepaid plan, especially if you don't choose a plan through one of the major carriers. If the data network is congested, contract plans get priority, so you won't experience as many slowdowns in service. Most customers find that they get better customer service with a contract plan as well.</p> <p>With a postpaid plan, you can go over your limits and simply pay a fee at the end of the month, which is ideal if you aren't sure how much data you'll need. On the other hand, with a prepaid plan where you purchase credit, if you go over your credit, you just won't be able to use your phone.</p> <h3>Who It's Right For</h3> <p>Postpaid plans are great for families. With so many family plans available, you can find the perfect one for every member of your household. Some family plans will allow up to 10 lines on one plan. Prepaid plans tend to top off at about 3GB of data per month, so if you or your family uses a considerable amount of data, then you'll need to look for an appropriate postpaid plan.</p> <p>If you need a new phone, consider signing up for a postpaid contract, which usually includes a new smartphone at no cost or at a very low cost. Consider the cost of the phone you want (and whether a prepaid plan would even accept it) to see if you'd be saving more money by choosing the postpaid plan and free phone, as opposed to a prepaid plan and the purchase of a new phone.</p> <h3>Cheapest Plan</h3> <p><a href="https://www.virginmobileusa.com/#!/cell-phone-plans/">Virgin Mobile</a> offers the most affordable plan from a major carrier at $35 per month with unlimited talk and texting and 5GB of high-speed data. <a href="https://republicwireless.com/">Republic Wireless</a> offers the best deal for one person at only $15 per month, while <a href="https://explore.t-mobile.com/t-mobile-one">T-Mobile</a> and <a href="https://www.sprint.com/shop/plan-wall/?INTNAV=TopNav:Shop:Plans#!/?plan=individual">Sprint</a> offer the best deals for families.</p> <p>The best plan may not necessarily be the cheapest plan. Along with considering the price, you should also consider the network coverage and download speeds. Certain carriers have better coverage in certain areas, so you want to make sure that you go with the carrier who can provide service no matter where you are.</p> <p>Some employers and schools will also offer discounts for postpaid plans through certain carriers &mdash; which can save you a lot. You can also get a discount from some carriers for setting up automatic payments.</p> <p>If you live in a large city, most carriers will offer dependable coverage there, so you won't have to pay for one of the more expensive plans that offer coverage everywhere. If you live in a more remote area, you may need to pay a higher fee for more coverage.</p> <h2>Which Plan Is Right for You?</h2> <p>Contract plans can have a range of additional fees, like activation fees, monthly access fees, and more. You will want to consider that when comparing whether prepaid or postpaid is right for you. It's important to also take into account how many people will be on your account and how much data you'll need.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service">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/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-ways-to-save-on-smartphones">5 Smart Ways to Save on Smartphones</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-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-refill-an-ink-cartridge-with-a-small-piece-of-tape">How to refill an ink cartridge with a small piece of tape</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology cell phone bill phone bill phone plan phone service prepaid phone smartphone Tue, 25 Oct 2016 09:30:28 +0000 Andrea Cannon 1819781 at http://www.wisebread.com 5 Sites That Will Pay for Your Old iPhone http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-sites-that-will-pay-for-your-old-iphone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_iphone_73998331.jpg" alt="Woman finding sites that will pay for her old iPhone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The new iPhone 7 is out, and demand for the latest device from Apple is huge. Along with the hype is a sky-high price tag &mdash; the 256GB version with 5.5-inch display costs just under $1<a href="http://www.apple.com/shop/buy-iphone/iphone-7/5.5-inch-display-256gb-rose-gold-tmobile#01,12,34,42,60">,000</a>. To offset the steep cost of the new phone, selling your old one is a smart idea.</p> <h2>Perks of Selling Your Phone Yourself</h2> <p>When it comes to getting the best price for your phone, you have to sell it yourself. If you opt to trade it in with your carrier or an electronics store, you may get as little as $75 for <a href="http://www.wisebread.com/the-5-best-iphone-6-covers">your older iPhone</a>. Considering that you likely spent $500 or more to buy it just a couple of years ago, that's a depressing rate of depreciation. You will get a lot more if you sell it on your own.</p> <p>These are five places to sell your phone and get the best prices. We used an iPhone SE with 16GB in excellent condition to compare offers.</p> <h3>1. Best Buy</h3> <p>Best Buy's trade-in<a href="http://www.bestbuy.com/site/misc/best-buy-trade-in/pcmcat133600050011.c?id=pcmcat133600050011"> program</a> offers a surprisingly good value, paying $200 for the phone. The one downside is that you need to trade the phone in person to get cash. Otherwise, if you decide to mail it in, you will get emailed an electronic gift card.</p> <h3>2. Gazelle</h3> <p>With Gazelle, you get an offer for your phone right away. Just select your phone model, storage capacity, and condition, and they will give you a quote. Gazelle offered $170 for the iPhone SE, plus a $20 credit toward the purchase of a new device. Gazelle offers free shipping and pays quickly via check, Amazon gift card, or PayPal.</p> <h3>3. NextWorth</h3> <p><a href="https://www.nextworth.com/">NextWorth</a> offered $142 for the phone, one of the lowest quotes yet. However, they offer more competitive prices on other devices. For example, they offered $150 for the Samsung Galaxy Note, which was more than other sites offered.</p> <h3>4. Gadget Salvation</h3> <p><a href="https://www.gadgetsalvation.com/how_it_works">Gadget Salvation</a> is willing to pay $158 for an iPhone SE in excellent condition. You can ship your phone to them for free and get paid via check or PayPal.</p> <h3>5. eBay</h3> <p>To get the highest price, eBay is often your best option. It requires more work on your part &mdash; and you need to be wary of scams &mdash; but selling on the popular auction<a href="http://www.wisebread.com/10-things-you-should-always-buy-and-sell-on-ebay"> site</a> is more lucrative than going through an intermediary. Several auctions for the iPhone SE 16GB phones have ended with buyers paying as much as $305 for a used phone. Even after paying for shipping yourself, that's a lot more money than you would make with the other sites.</p> <h2>Choosing Where to Sell</h2> <p>While it can be time-consuming, it's a good idea to check each of the sites to see how much you can get for your phone. Depending on supply and demand, some of the sites may offer higher prices at certain times than others. Check each site for a quote before choosing where to sell your phone to get the most money.</p> <p>Do your homework before trading in your phone, and you can get top dollar for your old device. That extra money can be a huge help in purchasing a new phone and cut down on your out-of-pocket costs.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-phone-cases">The 5 Best Waterproof Phone Cases</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-electronics-wipes">The 5 Best Electronics Wipes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology gazelle iPhone iphone 6 iphone 7 sell your iphone smartphone technology Mon, 03 Oct 2016 10:00:09 +0000 Kat Tretina 1803459 at http://www.wisebread.com 9 Ways Siri Can Be Your Personal Finance Assistant http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-siri-can-be-your-personal-finance-assistant" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_phone_city_64632093.jpg" alt="Man finding ways Siri can be his personal finance assistant" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We're still a few years away from having personal robot assistants, but voice-activated applications on most modern smartphones are already making our lives easier. Apps like Apple's Siri or Microsoft's Cortana can be helpful in a number of ways, and are particularly useful as personal finance helpers.</p> <p>I personally use Siri a lot to help me <a href="http://www.wisebread.com/the-personal-finance-letter-id-write-to-my-younger-self" target="_blank">stay on track with my finances</a>, and I am always surprised at how much the app can help me get information without the need to even type or search the web myself.</p> <p>Siri won't make you rich, but it can help you be smarter about your finances without a lot of work. Check out these personal finance tasks that Siri and similar apps can help you with.</p> <h2>1. Check Stocks</h2> <p>It's easy to use Siri to track the performance of your investments or the overall stock market. Just say, &quot;I need the stock price for Apple,&quot; and Siri will tell you the price and the daily movement. It's also an easy way to check on the ticker symbol.</p> <h2>2. Helping You Calculate the Best Bargain</h2> <p>Quick, what's a better deal? Three 20-ounce cans of juice for $6, or four 24-ounce cans for $9? To find out, you'll need to calculate prices on a per-ounce basis. Asking Siri to perform some simple math will help you learn that the second deal is a little bit better.</p> <h2>3. Driving Directions</h2> <p>Yes, accurate driving directions can help you with your finances. That's because you can plan trips to ensure the shortest route, thus saving you gas. You can also find routes to avoid tolls and bad traffic.</p> <h2>4. Finding the Nearest ATM</h2> <p>You need cash right away, but you'd rather not go to the first ATM you see, because it may not be tied to your bank. To avoid a fee, you can ask Siri to find you the nearest branch of your bank or a surcharge-free ATM.</p> <h2>5. Research Food Ingredients</h2> <p>When you're at the grocery store, you may come across products that like to tout certain ingredients, and you sometimes pay a premium for them. (&quot;Sweetened with agave nectar!&quot;) Before you buy, you may want to do a little bit of research on what these ingredients are and whether they are worth paying extra for. Siri and similar apps can help you with this.</p> <h2>6. Set Reminders</h2> <p>You never want to be late paying your bills, and you don't want to be charged for missing things like doctor's appointments. You can use Siri to remind you of important things. All you need to do is tell Siri what you want to be reminded about, and when. (&quot;Remind me to finish this article for Wise Bread at 10 p.m.&quot;) There's even location-based reminders, like &quot;Remember to mail the mortgage check when you are near the post office.&quot; You can also use Siri to adjust or create to-do lists on your phone.</p> <h2>7. Figure Out Tips</h2> <p>What's 18% of $43.95? And how can you split that four ways? Siri can help you. Siri will even know local taxes, to help you calculate checks before they even come.</p> <h2>8. Find Out How Much Things Cost</h2> <p>Using Siri, you can look up pricing information for a wide range of products. If you simply ask &quot;Find me prices for a Toyota Corolla,&quot; it will provide you MSRP and invoice prices, plus other related charges, and even shows a chart with historical price information. It's still not easy to do true comparison shopping, but you'll learn enough to know if a particular store is trying to rip you off.</p> <h2>9. Find Budgeting Apps</h2> <p>If you need some extra personal finance help from your smartphone, Siri can help you find it. A simple query like, &quot;Find me some budgeting apps,&quot; will give you a list of saving and money management apps from the app store.</p> <p><em>How do you use Siri or Cortana or Google Now to help you stay on top of your finances?</em></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/9-ways-siri-can-be-your-personal-finance-assistant">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/could-the-chromebook-crush-windows">Could the Chromebook Crush Windows?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-financial-differences-between-millennials-and-the-next-generation">7 Financial Differences Between Millennials and the Next Generation</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-money-moves-to-make-the-moment-you-get-a-promotion">8 Money Moves to Make the Moment You Get a Promotion</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/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About 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/comparing-savings-rates-us-vs-japan">Comparing Savings Rates: U.S. vs Japan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apple Cortana Google investing Microsoft saving Siri smartphone tools Fri, 26 Aug 2016 10:30:15 +0000 Tim Lemke 1778728 at http://www.wisebread.com 7 Apps That Make Budgeting Fun — No Really! http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-make-budgeting-fun-no-really" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87637919_LARGE.jpg" alt="making budgeting fun with these apps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Budgeting is not just essential for those who are trying to squeeze two pennies out of one. Tracking expenses and setting spending and savings goals is beneficial for anyone &mdash; no matter the amount of your paycheck.</p> <p>However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. (See also: <a href="http://www.wisebread.com/one-simple-thing-you-can-do-to-start-budgeting-today?ref=seealso">One Simple Thing You Can Do to Start Budgeting Today</a>)</p> <h2>1. Pennies</h2> <p>One of the best things about using Pennies for iOS is that it allows a lot of flexibility. Many people do not work with a set salary and do not know their paycheck amount each pay period. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.</p> <p>Another benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges.</p> <p>($1.99<a href="https://itunes.apple.com/app/apple-store/id916741290?mt=8"> iOS</a>)</p> <h2>2. Prosper Daily</h2> <p>How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. The app also connects to financial accounts and tracks spending effortlessly. There is no need to document every expenditure.</p> <p>Another benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone.</p> <p>Note: Prosper Daily used to be known as &quot;BillGuard.&quot;</p> <p>(Free<a href="https://itunes.apple.com/us/app/billguard-money-tracking-credit/id602710567?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en"> Android</a>)</p> <h2>3. CoinKeeper</h2> <p>The envelope system of budgeting is clever, but it can be such a hassle to use. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget.</p> <p>(Classic version $5.99<a href="https://itunes.apple.com/us/app/coinkeeper-classic-personal/id471262606?mt=8"> iOS</a>, Free version<a href="https://itunes.apple.com/us/app/coinkeeper-personal-finance/id849747345?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.disrapp.coinkeeper.material&amp;hl=en"> Android</a>)</p> <h2>4. Digit</h2> <p>Waiting until the end of the month to deposit leftover money into a savings account is unwise. Usually, there is no money left by the end of the month. Instead, use an app like Digit to sock away a little bit of money throughout the month.</p> <p>The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5&ndash;$50 every two to three days to that user's savings account. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member.</p> <p>See also: <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=seealso">11 Budgeting Skills Everyone Should Master</a></p> <p>(Free<a href="https://digit.co/"> iOS</a>)</p> <h2>5. Toshl</h2> <p>Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.</p> <p>(Free<a href="https://itunes.apple.com/app/toshl-finance/id921590251?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.thirdframestudios.android.expensoor"> Android</a>)</p> <h2>6. BUDGT</h2> <p>Don't let variable income keep you from keeping track of how much you make and how much you spend. BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. The best part is that the app is simple and easy to use. It might take a few days to get into the habit of inputting your expenses, but once you get used to it, it can be a healthy habit to transform your spending.</p> <p>($1.99<a href="https://itunes.apple.com/us/app/budgt/id580812126?mt=8"> iOS</a>)</p> <h2>7. Mvelopes</h2> <p>Similar to CoinKeeper, Mvelopes is a digital version of envelope-based budgeting. The free version can be downloaded on iOS and Android phones, but to get the full, deluxe version, there will be a one-time $95 cost. It will take a little bit of learning time to get into the method of zero-based budgeting. The idea behind this way of budgeting is that every dollar has a designation. This prevents money from being spent thoughtlessly.</p> <p>If you look at your bank account at the end of the month and see an extra $50, you might mistake it as &quot;free&quot; money and spend it foolishly. With an envelope system, that $50 would have been categorized into savings or even designated towards books or clothing. It is important to give your money a job, or it will be useless to you.</p> <p>The best budgeting app is the one that is used. If you are serious about making budgeting a regular habit, then you need to find the right tool to work for you. Everyone is different, so if the first app you try doesn't fit your needs or tastes, don't worry. Just try something else.</p> <p>(Free <a href="https://itunes.apple.com/us/app/mvelopes-budget-app-envelope/id417933753?mt=8">iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.finicity.mvelopes&amp;hl=en"> Android</a>)</p> <p><em>What is your favorite budget app to use? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working 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/5-smart-ways-to-save-on-smartphones">5 Smart Ways to Save on Smartphones</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-manage-your-money-no-budgeting-required">How to Manage Your Money — No Budgeting Required</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves 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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps managing money money management phone phone apps saving money smartphone Wed, 10 Aug 2016 09:00:10 +0000 Ashley Eneriz 1769235 at http://www.wisebread.com The 5 Best Apps for Busy Working Parents http://www.wisebread.com/the-5-best-apps-for-busy-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-apps-for-busy-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_baby_phone_43606458.jpg" alt="Mom using apps for busy working parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working parents need to maximize their time in order to be most efficient. These apps will help working moms and dads better manage kids' routines, plan family outings, and manage family budgets effectively.</p> <p>See also: <a href="http://www.wisebread.com/10-fun-money-apps-for-kids?ref=seealso">10 Fun Money Apps for Kids</a></p> <h2>1. Happy Kids Timer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidTimer_02.PNG" width="605" height="340" alt="" /></p> <p>Having a hard time keeping kids on schedule, especially in the mornings? <a href="http://www.kidssmartzone.com/">HappyKidsTimer</a> is an app your kids use to help them manage their daily morning routines, like making their beds, getting dressed, brushing their teeth, and so forth. The app features timers and fun incentives to help your kids get on their way.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids?ref=seealso">10 Basic Manners You Must Teach Your Kids</a></p> <h2>2. KidsEatFree</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidsEatFree.PNG" width="340" height="605" alt="" /></p> <p>Busy parents often don't have time to cook &mdash; and dining out with the whole family gets expensive, fast. Restaurateurs have responded with a variety of kids eat free promotions. Too many, in fact, for busy parents to track. <a href="https://itunes.apple.com/us/app/kids-eat-free-restaurant-finder/id933114765?mt=8">KidsEatFree</a> is the free app that helps you find free kids' meals nearby, keeping your family on time &mdash; and on budget.</p> <p>Available for iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a></p> <h2>3. Mint.com</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Mint_AppStore.jpeg" width="341" height="605" alt="" /></p> <p>Speaking of budgets, busy parents need to manage their family's money while they are managing the kiddoes. <a href="https://www.mint.com/">Mint.com</a> remains the gold standard free app for tracking all your spending, paying bills, setting and tracking budgets, and monitoring overall net worth.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances?ref=seealso">These 5 Apps Can Fix Your Finances</a></p> <h2>4. VarageSale</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/VarageSale_01.PNG" width="340" height="605" alt="" /></p> <p>If you're keen on sticking to your budget, <a href="https://www.varagesale.com/">VarageSale</a> is great for connecting busy parents with others who want to buy or sell used family and children goods. You can make extra cash off your used stroller or crib &mdash; or you can pick up gently used ones for a great price. Look at all the cute outfits!</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale?ref=seealso">How to Sell Your Kids' Stuff at a Consignment Sale</a></p> <h2>5. Trekaroo</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trekaroo.PNG" width="340" height="605" alt="" /></p> <p>Finally, even the busiest, most goal-directed families need some downtime. <a href="http://www.trekaroo.com/">Trekaroo</a> helps hardworking parents plan and budget family outings &mdash; everything from faraway vacations to local day trips. The app finds kid-friendly activities when and where you need them. Even better, each destination includes reviews from other busy parents who've already been, so you can get the inside scoop way before you get there.</p> <p>Available for Android and iOS.</p> <p><em>What are your go-to apps for managing life with kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-ways-to-save-on-smartphones">5 Smart Ways to Save on Smartphones</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money">4 Parenting Mistakes to Avoid When Teaching Kids About 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/how-to-manage-your-money-no-budgeting-required">How to Manage Your Money — No Budgeting Required</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps budgeting managing money money management parenting phone phone apps productivity saving money smartphone Tue, 09 Aug 2016 11:00:11 +0000 Janet Alvarez 1768674 at http://www.wisebread.com 7 Apps for the Tech-Challenged Traveler http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-for-the-tech-challenged-traveler" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000059692012_Large.jpg" alt="using a travel app even though she isn&#039;t tech savvy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is an app for everything these days, from apps that allow you to see constellations in the sky, to others that can control the temperature of your house. When it comes to traveling, there are more apps than you could count, but some of them are a bit confusing to operate. Here are seven of my favorite apps that can make travel easier for you, and you don't have to be a tech expert to use them. (See also: <a href="http://www.wisebread.com/5-money-saving-travel-gadgets?ref=seealso">5 Money Saving Travel Gadgets</a>)</p> <h2>1. Trail Wallet</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trail_wallet.jpg" width="605" height="521" alt="" /></p> <p>This friendly budget helper is the best app on the market for keeping track of your expenses while on the road. There are a few categories already included in the app, like accommodation, food, and transport, but you can also include your own.</p> <p>Every time you make a purchase, you can simply input the amount into the app in the local currency. It will automatically convert it into your home currency and create handy pie charts and graphs so that you can see how your budget is divided.</p> <p>The app is only available for <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8&amp;uo=8&amp;at=11l9Wj">iOS</a>. The first few purchase inputs are free, but to get full use of the app, you'll have to pay $1.99.</p> <h2>2. Packing Pro</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/packing_pro.jpg" width="605" height="523" alt="" /></p> <p>We've all experienced that awful moment when we leave the house and then realize that we forgot our most important travel item. The Packing Pro app helps put an end to this by allowing users to create handy checklists of everything that they want to bring on a trip.</p> <p>Simply create a packing list, then hit the check button as you put each item into your luggage.</p> <p>The $3 app is only available on <a href="https://itunes.apple.com/au/app/packing-pro/id312266675?mt=8">iOS</a>.</p> <h2>3. XE Currency</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/xe_currency.jpg" width="605" height="521" alt="" /></p> <p>I never leave home without making sure that my XE app is up to date. This simple, yet incredibly useful tool keeps track of multiple currencies for you and converts them into your home currency.</p> <p>If you're planning a 10-country trip, add all of the currencies from your planned destinations into the app and it will allow you to easily convert any purchases on-the-go. Spending 300 <em>baht </em>in Thailand? Type it into the app and instantly see the equivalent in USD.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.xe.currency&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/hr/app/xe-currency/id315241195?mt=8">iOS</a>.</p> <h2>4. TripAdvisor</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trip_advisor.jpg" width="596" height="300" alt="" /></p> <p>If you're a TripAdvisor traveler like myself, and you like to know how a restaurant stacks up before eating there, download the TripAdvisor app onto your smartphone before you leave home.</p> <p>The app doesn't have full functionality when offline, but you can still use its navigation feature and check reviews of different restaurants, hotels, and activities on-the-go. You can download city maps and reviews as well if you plan to use it without an Internet connection.</p> <p>When using data, the &quot;Near Me Now&quot; function can be very useful for finding top-rated restaurants within a one-kilometer radius.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.tripadvisor.tripadvisor&amp;hl=en&amp;referrer=utm_download_tracking=Brand_AppPage_0_10568#_=_">Android</a> and <a href="http://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.http%3A__2F____2F__itunes__2E__apple__2E__com__2F__us__2F__app__2F__tripadvisor__2F__id284876795__3F__mt%3D8__26__pt%3D14124__26__ct%3DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.1997bccf622c70c69.html">iOS</a>.</p> <h2>5. Navmii</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/navmii.jpg" width="570" height="421" alt="" /></p> <p>My personal favorite navigation app, this one works without using any data at all. Some maps are available free of charge, while some add-ons and extra maps are available for a small fee.</p> <p>If you've been using Google Maps for your navigation, Navmii will feel like a dream. It's much more intuitive and easy to follow than Google's BETA navigation feature and the best part is that it doesn't need to use data to give you directions. As each map is downloaded locally to your device, the app is very quick to load and easy to use.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.navfree.android.OSM.ALL">Android</a> and <a href="https://itunes.apple.com/gb/artist/geolife-ltd./id345881276">iOS</a>.</p> <h2>6. Google Hangouts App</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/google_hangouts.jpg" width="605" height="521" alt="" /></p> <p>Even if you have the Skype app on your phone, you should consider getting Google Hangouts, too. Why? It generally has better connection than Skype, but the main reason it's better is because you can call almost any number in the U.S. or Canada for free.</p> <p>So if you're an American traveling overseas, you can call your friends and family without paying a cent! This app can be a huge money saver for frequent travelers.</p> <p>The app is free on <a href="https://play.google.com/store/apps/details?id=com.google.android.talk&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/us/app/hangouts/id643496868?mt=8">iOS</a>.</p> <h2>7. Vivino</h2> <p>This final app is really just for <em>winos</em>, but it's a very good one to have in your pocket. If you're like me, you like to try lots of local wines while you're traveling, but often the labels aren't in English and you really have no idea what the tasting notes are, or how many awards the winery has won.</p> <p>With the Vivino app, you can simply take a photo of the wine bottle's label and the app will find the bottle from its archive of over 3 million wines. It will then display reviews from other users (of which there are 14 million), tasting notes, awards and even offer you other wines you may like based on your selection.</p> <p>It will also tell you where the closest store is to buy the bottle and where you can get it cheaper! This is the world's most popular and most practical wine app.</p> <p>The app is free on <a href="https://www.vivino.com/redirect/play">Android</a> and <a href="https://www.vivino.com/redirect/appstore">iOS</a>.</p> <p><em>What are your favorite travel apps? Share with us in the comments!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-apps-for-the-tech-challenged-traveler&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Apps%20for%20the%20Tech-Challenged%20Traveler.jpg&amp;description=7%20Apps%20for%20the%20Tech-Challenged%20Traveler" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Apps%20for%20the%20Tech-Challenged%20Traveler.jpg" width="250" height="374" align="middle" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">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/8-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</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/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</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/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel apps smartphone tech challenged tech savvy technology traveling Thu, 28 Apr 2016 09:30:25 +0000 Nick Wharton 1699082 at http://www.wisebread.com 8 Ways to Save on Smartphone Costs While Traveling http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-save-on-smartphone-costs-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000075854865_Large.jpg" alt="saving money with her smartphone while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are two basic necessities that everyone needs when traveling in the 21st century: Their passport and their smartphone. But using data, roaming, and making long distance calls while traveling can cost a fortune. Here are a few basic ways that you can save money by using your smartphone while on the road. (See also: <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling?ref=seealso">12 Ways to Save and Make Money While Traveling</a>)</p> <h2>1. Unlock Your Phone and Buy Local SIMs</h2> <p>Before you leave home, you should always make sure that your smartphone is unlocked so that you can buy local SIM cards in the countries you're traveling to. Roaming data and local calling charges, as well as long distance calls, will quickly ramp up your bill, so unlocking your phone and buying a local SIM card will effectively pay for itself.</p> <p>To unlock your phone, you can do a quick Google search: &quot;Unlock Smartphone + Your City&quot; to find a local tech guy who can do it for you, or you can <a href="http://www.digitaltrends.com/mobile/phone-unlocking-guide-for-all-carriers/">do it yourself</a>. Unlocking your phone is completely legal as long as you've completed your initial contract with your carrier.</p> <p>Once your phone is unlocked, you'll be able to use it with any carrier around the world. Pay-as-you-Go SIM cards are extremely cheap in most countries. For example, in Italy you can get 1GB Data, 50 minutes of calling, and 1000 SMS for just &euro;20 (about $22 U.S.) per month, including the cost of the SIM card.</p> <p>If you've ever traveled with your U.S. mobile plan and used it while on the road, your bill was likely much higher than this when you returned home. You can pick up local SIM cards at most airports upon arrival into a new country, and there are numerous stores in every town where you can buy them as well. Just make sure you have your passport with you for the initial sign-up process.</p> <h2>2. Download Maps</h2> <p>If you're a frequent user of the Google Maps app, then you'll want to download the apps for the cities you'll be visiting while you're on Wi-Fi. If you don't do this, then every time you zoom in and out of the map and search for locations, you'll be using your data.</p> <p>To download a map, simply connect to Wi-Fi, open the app, zoom over the city or area that you want to download and type &quot;ok maps&quot; into the search field. A bar will then appear that says: &quot;Download.&quot;</p> <p>Then the map will be downloaded to your smartphone for use offline. The phone will even continue to track your location on the map when you're not connected the Internet, making offline navigation a breeze.</p> <p>This function can save a lot of money on data, but it also makes the app quicker to load and easier to use.</p> <h2>3. Download TripAdvisor Content</h2> <p>This can be another big data saver. If, like me, you like to search reviews before checking out a site, eating in a restaurant, or taking a tour, then you're constantly using the TripAdvisor app and your data adds up quickly. The app (available on <a href="https://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.http%3A__2F____2F__itunes__2E__apple__2E__com__2F__us__2F__app__2F__tripadvisor__2F__id284876795__3F__mt%3D8__26__pt%3D14124__26__ct%3DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.1997bccf622c70c69.html">iOS</a> and <a href="https://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.https%3A__2F____2F__play__2E__google__2E__com__2F__store__2F__apps__2F__details__3F__id%3Dcom__2E__tripadvisor__2E__tripadvisor__26__hl%3Den__26__referrer%3Dutm__5F__download__5F__tracking%253DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.e5a13a25ef3b7f599.html">Android</a>) now has excellent offline functionality.</p> <p>Adam Medros, senior vice president of global product for TripAdvisor says, &quot;More and more travelers are making spur-of-the-moment decisions about where to go and what to do and need a useful travel resource. Travelers can now access user reviews, photos, and maps throughout their trip to help them pick last-minute hotels, restaurants, and attractions to visit &mdash; all while avoiding costly roaming charges.&quot;</p> <p>To download the content from the app, simply search the city where you'll be traveling and tap the &quot;download city content&quot; button. Once downloaded, the app will give you 10 reviews per point of interest when no data connection is available, and the full live version of the app when it connected to data or Wi-Fi.</p> <h2>4. Connect to a Hotspot Database</h2> <p>We all enjoy free Internet connections while on the road. Whether there's free Wi-Fi in a public park, at a cafe, or in a hotel, it's great to know which signals are strongest and which ones are free to connect to.</p> <p>If you want to save money on data and connect to free Wi-Fi whenever possible, download the WeFi app. The app includes a list of over 100 million Wi-Fi hotspots around the world, and you can view them easily on the in-app map.</p> <p>You can download WeFi free on <a href="https://itunes.apple.com/us/app/wefi-pro/id594461043?mt=8">iPhone</a> and <a href="https://play.google.com/store/apps/details?id=com.wefi.wefi">Android</a>, but it runs in the background and can be a huge battery drainer, so I recommend only turning it on when you need to find a hotspot.</p> <h2>5. Tether Up</h2> <p>This is only a real money saver if you're at an airport or a cafe that has &quot;limited free Internet access.&quot; You know when you're at the airport checking emails and after 15 measly minutes a pop-up appears and asks you to pay a ridiculous fee for more time?</p> <p>This is when using data is probably cheaper than paying for the hotspot. To tether your phone, simply open the wireless settings on your phone and turn on &quot;Personal Hotspot.&quot; If you don't know how to do it, PCWorld will show you how it's done on <a href="http://www.pcworld.com/article/199280/How_To_Tether_Your_Android_Phone_For_Free.html">Android</a> and on <a href="http://www.pcworld.com/article/240794/how_to_tether_your_iphone.html">iPhones</a>.</p> <p>If the Personal Hotspot button isn't in your settings, navigate into Cellular Data settings. Copy the VPN next to Cellular Data and paste it into the box next to APN in the Personal Hotspot section. If this still doesn't work, you may have to download a <a href="http://mashable.com/2012/08/16/free-tethering-apps/#w_Ta3SWeSmqo">tether app</a>.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/tethering_smartphone.jpg" width="341" height="605" alt="" /></p> <h2>6. Find Free Wi-Fi Coupon Codes</h2> <p>If you can't tether your phone and you still don't want to pay for the expensive hotspot, you can search online for free coupon codes. Sometimes cafes in airports or malls will give you a free code when you purchase a coffee.</p> <p>If you don't want to spend a cent for Internet, do a quick Google search with something like: &quot;hotspot name + coupon code.&quot; Sometimes you can find a free coupon for 15 minutes on a coupon site.</p> <h2>7. Join a Password Sharing Community</h2> <p>Sharing is caring, right? There are some excellent apps available where users can share the Wi-Fi passwords of different hotspots around the world. The Instabridge app (free on <a href="https://play.google.com/store/apps/details?id=com.instabridge.android&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/us/app/instabridge-3-million-wifi/id971679641?mt=8">iOS</a>) is the best password sharing app because it has a database of three million hotspots worldwide, and you can even find passwords while offline.</p> <h2>8. Use Google Hangouts for Calling</h2> <p>Long distance calls can cost a fortune, and while calling home from Skype is generally a lot cheaper, it's not free. This is where the Google Hangouts app can come in really handy. This app allows you to call almost any number in the U.S. and Canada free of charge. Simply hook up to Wi-Fi and call your loved ones from this app and you won't pay a cent.</p> <h2>Be Smart With Your Smartphone</h2> <p>There are lots of money-saving apps that you can use while traveling, and by downloading your maps and buying local SIMs, you can save even more money.</p> <p><em>Do you travel with your smartphone? How do you avoid costly roaming charges? Please share in the comments below.</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-ways-to-save-on-smartphone-costs-while-traveling&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%20Ways%20to%20Save%20on%20Smartphone%20Costs%20While%20Traveling.jpg&amp;description=8%20Ways%20to%20Save%20on%20Smartphone%20Costs%20While%20Traveling" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Ways%20to%20Save%20on%20Smartphone%20Costs%20While%20Traveling.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling">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/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</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-keep-social-media-from-ruining-your-vacation">How to Keep Social Media From Ruining Your Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</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-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel apps money-saving apps smartphone technology travel hacks travel tips Tue, 26 Apr 2016 09:00:05 +0000 Nick Wharton 1697716 at http://www.wisebread.com The 5 Millennial Money Apps Everyone Should Use http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-millennial-money-apps-everyone-should-use" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000077673573_Large.jpg" alt="millennial using a money app" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><a href="https://www.stashinvest.com/start-investing/wisebread">www.stashinvest.com/start-investing/wisebread</a></p> <p>The more we become surgically attached to our phones, the more we need apps to help us along. According to a recent study, <a href="http://www.millennialdisruptionindex.com/">68% of Millennials</a> say that in five years, the way they access their money will be completely different, and 70% say that the way they pay for things will be totally different. So it's no wonder there are so many money apps out there, making it easy to do banking, investing, and budgeting on the go.</p> <p>Most of us money savvy Gen Y-ers have heard of Mint before, which is a great app that helps you budget and track your spending. But there are a number of other apps out there that can help us invest, save, and yes, even spend, easily. (See also: <a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money?ref=seealso">These 5 Apps Will Help You Finally Organize Your Money</a>)</p> <h2>1. Acorns</h2> <p>If you want to invest in stocks, but don't know where to start, try out <a href="https://www.acorns.com/">Acorns</a>. This app invests your spare change. In other words, if you spend $1.75 on a soda, the extra $0.25 goes into Acorns. Once you've reached $5 in spare change, a team of financial advisers (including Nobel Prize-winning economist Harry Markowitz) start investing for you. You can choose how aggressive you want your portfolio to be depending on how comfortable you feel. The app does cost $1 per month if your balance is under $5,000 and .25% per year if you're over $5,000. If you're age 24 or under, it's free. Make sure to do some research before you start investing (especially for a stock market newbie), but this app is well worth your time and investment.</p> <h2>2. Stash</h2> <p><a href="https://www.stashinvest.com/start-investing/wisebread">Stash</a> is similar to Acorns, but with Stash, you get to choose how you want to invest. It also lets you know how risky your investment might be. You're not all alone in the process either &mdash; Stash provides support and guidance as you go. If you're new to the stock market, this is a good place to start, but make sure you do your homework on any company you invest in. The charges $1 per month with no commissions. Special offer: Wise Bread users can get $5 to get started with Stash!</p> <h2>3. Digit</h2> <p><a href="https://digit.co/">Digit</a> is a tidy little app that saves money for you. After the app checks out your payment history and spending habits, it starts to calculate ways for you start saving money. Every two to three days, Digit takes out between $5 and $50 and puts it into a savings account. The app helps you save without you even realizing it. And if you need your money, you simply text the app and it sends it to you. There are no fees and no minimums for this app, and they have a <a href="https://digit.co/about/faq#no-overdraft-guarantee">no-overdraft guarantee</a>. You can also pause savings at any point if you need to keep your money in your checking account. (See also: <a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more?ref=seealso">Can a Robot Called Digit Help You Save More?</a>)</p> <h2>4. Venmo and Square Cash</h2> <p><a href="https://venmo.com/">Venmo</a> is the fun way to send money with no fees. Set up much like a social media app, you can send money to friends for all kinds of things, and post emojis and jokes in public. While it sounds weird, it's the hippest way for Millennials to send money back and forth.</p> <p>The less &quot;fun&quot; version is <a href="https://cash.me/">Square Cash</a>, which I use on a regular basis to pay utilities to my roommate. Both apps are free, but do have a small fee for credit cards. Just make sure you never send any money to someone you don't know well. Both apps are good if you have a friend who owes you money for something. You don't have to awkwardly and consistently remind them in person &mdash; you can just request the money through the app.</p> <h2>5. Wally</h2> <p>Like Mint, <a href="http://wally.me/">Wally</a> helps you budget your money. The app shows your budgets in easy to understand charts and gives you an accurate look at your spending. The downside is that you have to upload each purchase, but it makes you more accountable. This is especially helpful on work-related travel. The app doesn't link to your credit card or bank account unless you want it to, so you don't have to worry about sharing your personal information. Wally is especially helpful for me so I can write off coffees and lunches and I don't have to keep the receipts! Try out Wally and see if it makes your life easier.</p> <p><em>Which money apps are you using? Share with us in the comments!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-millennial-money-apps-everyone-should-use&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Millennial%2520Money%2520Apps%2520Everyone%2520Should%2520Use%2520%25281%2529.jpg&amp;description=The%205%20Millennial%20Money%20Apps%20Everyone%20Should%20Use"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Millennial%20Money%20Apps%20Everyone%20Should%20Use%20%281%29.jpg" alt="The 5 Millennial Money Apps Everyone Should Use" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">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/12-places-to-keep-your-money-safe-and-growing">12 Places to Keep Your Money Safe — And Growing</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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-debt-management-tools">6 Free Debt Management Tools</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</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/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Technology apps banking investing millennials money apps smartphone Wed, 17 Feb 2016 10:30:24 +0000 Jennifer Holder 1658140 at http://www.wisebread.com 8 Ways Your Smartphone Saves You Money http://www.wisebread.com/8-ways-your-smartphone-saves-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-your-smartphone-saves-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000059693802_Large.jpg" alt="her smartphone is saving her money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Smartphones are great, but why do they cost so much? Is it the bells and whistles of fancy security features, GPS tracking chips, and headsets? Or is it simply because consumers are willing to pay for all these sparkly extras? Here is a&nbsp;<a href="http://www.digitaltrends.com/mobile/iphone-cost-what-apple-is-paying/">comprehensive breakdown of costs</a>, so you can see exactly where your money is going. Are you starting to think it's time your pricey smartphone paid you back? Here are eight ways your smartphone can save you money.</p> <h2>1. Product Review Sites</h2> <p>Why waste time and money on customer service and products you won't absolutely love? Well, thanks to a consumer-driven economy, we no longer have to. Doing a quick business search on a review site will help you steer clear of bad businesses, and avoid the headache and hassle of dealing with lousy store owners for a refund.</p> <h2>2. No More Landline</h2> <p>Say goodbye to the expense of landlines. Some people prefer the convenience of landlines for the long distance, but with the advent of free calling apps like What'sApp, Skype, and Google Talk, landlines are becoming a thing of the past. So, don't let providers rope you into a bundle &quot;deal&quot; just to keep these prehistoric products in circulation.</p> <h2>3. Mobile Banking</h2> <p>Though minor fees won't keep you up at night, they do save you money over time. With mobile banking, you have access to regular account features at your fingertips. This means fewer trips to the bank. That alone will save time that is better spent making money. And you also save on gas and regular wear and tear to your vehicle.</p> <p>To add to the savings, mobile banking replaces wire transfer fees with free ACH transfers, and saves you a trip to the post office to buy stamps and mail bills. It can all be handled from your smartphone.</p> <h2>4. Accept Credit Card Payments at Small Businesses</h2> <p>If you're a business owner, you can run your business more efficiently by using smart device(s) to take orders and accept all forms of payments, rather than having customers wait in long lines. And service providers can ditch the brick-and-mortar storefronts and go mobile. You'll save a ton on rents and utilities. This concept is not unique to food trucks, pet groomers, or massage therapists, either. Even professionals like, CPAs and attorneys, can ditch the office space. The top credit card reader providers are PayPal and Square.</p> <h2>5. Shopping</h2> <p>By doing your shopping online, you are probably getting the best deals. Try typing any product into Google search and the Google product carousel displays merchants with price information. It's an algorithm used by eBay, along with Amazon, Shopify, Bluefly, and a host of other online retailers that aggregate merchant inventory and prices based on search queries. Mobile apps are another great way to save on shopping. Most major retailers even have their own apps that offer exclusive customer deals. (See also: <a href="http://www.wisebread.com/16-best-mobile-shopping-apps-for-your-phone?ref=seealso">16 Best Mobile Shopping Apps for Your Phone</a>)</p> <h2>6. Subscriptions</h2> <p>Digital news and magazine subscriptions cost far less than print. And digital music subscriptions are also great because your entire music library follows you wherever you go.</p> <p>Keep in mind that subscriptions are tax-deductible as long as they can be tied to your profession. So, if you're a real estate agent who reads the New York Times or a personal trainer who listens to Spotify, your subscriptions are tax deductions!</p> <h2>7. Ebooks</h2> <p>Following in the footsteps of music lovers, bookworms can hand over hard copies and replace them with ebooks for a fraction of the cost. And you'll never have to worry about them disappearing from your collection again. Some apps will let you read as many books as you want for around $5-$10 per month. For instance, Blinklist has a collection of over 1,300 books and they summarize the most important parts for quick digestible reads for $4.99 per month.</p> <h2>8. Insurance</h2> <p>Eliminating book and music collections will not only declutter your home, but it also allows you to drop your home or renter's insurance coverage by $5,000 to $10,000, which saves you money on premiums. Besides, unless you have rare books or albums, these items don't hold resale value and are not worth the money that is spent over time for packaging, additional moving costs for extra weight, and storage fees.</p> <p><em>How else does your smartphone save you money? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/5-smart-ways-to-save-on-smartphones">5 Smart Ways to Save on Smartphones</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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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/34-smart-ways-to-cut-your-electric-bill">34 Smart Ways to Cut Your Electric Bill</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-gluttony-is-keeping-you-poor">6 Ways Gluttony Is Keeping You Poor</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology mobile banking money saving money smartphone tech gadgets Thu, 04 Feb 2016 18:00:04 +0000 Qiana Chavaia 1649808 at http://www.wisebread.com