Family http://www.wisebread.com/taxonomy/term/4566/all en-US How to Help Your Kid Build Their First Budget http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-help-your-kid-build-their-first-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-185090450.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Teenagers need guidance to build their first budget. But with sporting events, extracurriculars, and homework to worry about, it can be easy for parents to let budgeting skills fall through the cracks. And if you were never taught how to budget by your own parents, you might not know how to teach your children this skill.</p> <p>Helping your teenage child create a budget does not have to be overwhelming or time consuming. The important thing is to be proactive and consistent as you teach your teen how to handle money in the real world.</p> <h2>Offer a Monthly Allowance<strong> </strong></h2> <p>Providing a monthly allowance will help your child recognize the importance of long-term money planning. If they blow the entire month's worth of allowance in the first weekend, they'll learn an important lesson in delaying gratification. The most important thing you can do is be consistent about paying the allowance each month, and refuse to bail your child out of a problem if they use up their money before the month is over.</p> <p>If your teenager also decides to take a job, consider that a supplement to their allowance, rather than a substitute. Just as you would hate to see your initiative at work penalized by a reduction in pay, your child would hate to see their allowance docked just because they're showing initiative in getting a job.</p> <h2>Require Them to Take Over Some Necessary Spending</h2> <p>Many parents allow their teens to use their allowance and salary as pocket money. While there's nothing wrong with letting your kid have fun money, a big part of budgeting is making sure you have enough money to cover fixed bills. You can help your teenager learn to do this by asking them to take over a necessary bill.</p> <p>For example, you could ask them to cover a portion of the family cell phone plan, or their portion of the automobile insurance. Learning to pay these bills on time will give your teen an important first taste of what it will be like to pay their own way as an adult.</p> <h2>Create Targeted Savings Accounts<strong> </strong></h2> <p>It's likely that your child has some big goals for the future, whether that's going to a private college or buying a car. You can show them that they can achieve these financial goals through targeted savings accounts.</p> <p>Many banks allow you to create several targeted accounts, each with its own nickname. You can help your teen set up a few of these targeted savings accounts and encourage them to transfer some of their allowance or salary into the accounts when they get paid. They'll learn the importance of paying themselves first, and that consistent savings adds up. (See also: <a href="http://www.wisebread.com/build-savings-faster-with-a-multiple-account-strategy?ref=seealso" target="_blank">Build Savings Faster With a Multiple Account Strategy</a>)</p> <h2>Help Them Track Their Spending</h2> <p>Financial tracking is a necessary part of creating a healthy budget. They should know where their money is going each month, and whether those expenses were worthwhile. If they discover they're spending a good portion of their allowance on going to the movies, introduce options to them, like discounted movie passes or skipping the popcorn, soda, and snacks while there. Remind them to spend their money consciously.</p> <h2>Have Regular Budget Meetings</h2> <p>Plan on checking in at least once every two or three months to see how their finances are faring. They should get into the habit of reviewing how they've spent their money and whether those expenditures align with their goals. This will set your teen up to regularly review their budget on their own, and one day have regular budget meetings with their spouse.</p> <h2>Teach Your Children Well</h2> <p>Budgeting is the cornerstone of financial health, but knowing how to budget is hardly intuitive. Spending can easily become automatic and savings be pushed to the back burner. By getting your teen used to reviewing their finances and planning for their future, you're creating a powerful habit that will guide them wisely for the rest of their lives.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget">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-16"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family allowances budget meetings family kids saving money savings accounts teenagers tracking spending Thu, 16 Feb 2017 11:00:09 +0000 Emily Guy Birken 1889843 at http://www.wisebread.com A Simple Guide to Planning For a Loved One's Long-Term Care http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-simple-guide-to-planning-for-a-loved-ones-long-term-care" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-179165125.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>As we get older, so do our parents and other loved ones. In some cases, that may mean they'll require long-term care, especially if they fall ill. When this happens, families are faced with a tough decision: hand over the reins to a nursing facility, or manage their care from the comfort of their homes. There's no shame in either decision. But there are several important things to consider when planning for long-term care.</p> <h2>Weigh Your Options Well Ahead of Time</h2> <p>Perhaps the most vital part of planning for long-term care is that you're well prepared. Making hasty decisions on how to provide your loved one with the care they'll need when they're no longer able to care for themselves will not only be stressful for you, but also for them. You'll want to make sure your loved one is provided with the quality of life they deserve. Certainly, ailments can befall your loved one unexpectedly that will require quick decision making, but if you can help it at all, it's best to investigate your options before you're faced with a crisis. That way, you can enter the situation with a clear head, prepared to make the right choices.</p> <h2>Discuss Insurance Options With Your Loved One<strong> </strong></h2> <p>Talking about long-term care with your loved one, especially a parent, is not an easy conversation. But as difficult as it may be, it's necessary. There are financial implications to consider, which will be somewhat lessened (hopefully) with insurance.</p> <p>Jeff Salter is the CEO and founder of Caring Senior Service, a national in-home care service, and he suggests planning a discussion about insurance options, including what your loved one may already have, and what you both may need moving forward.</p> <p>Long-term care insurance can still be expensive in and of itself, and costs only increase with age. Many advise that people purchase a plan in their 50s before any major medical issues arise &mdash; and even then, it's not cheap. For example, the American Association for Long-Term Care Insurance estimates an insurance policy offering $164,000 in immediate coverage would cost a healthy, 55-year-old male approximately $1,060 a year. A healthy female of the same age could expect to pay approximately $1,390 a year for the same coverage. The sooner you can lock into one of these policies, the better. (See also: <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it?ref=seealso" target="_blank">Is Long Term Care Insurance Worth It?</a>)</p> <h2>Find Alternative Ways to Pay Without Insurance<strong> </strong></h2> <p>In the worst-case scenario, you don't have the option of long-term care insurance. This can be a daunting prospect, but it's not the end of the world. Salter suggests two solutions that will provide monthly income that can go toward the cost of care.</p> <p>The first is cash value for life insurance, which is essentially the cash amount offered to the policy owner by the issuing life carrier upon cancellation of the contract.</p> <p>The second is taking out a reverse mortgage on the elderly family member's house.</p> <p>&quot;With [the second] option, seniors can remain at home while receiving monthly income that goes toward all of the healthcare-related expenses,&quot; he says. &quot;There are no ongoing costs, and seniors cannot be forced to leave their homes should they outlive the payments from the loan.&quot; (See also: <a href="http://www.wisebread.com/how-to-avoid-getting-scammed-with-a-reverse-mortgage?ref=seealso" target="_blank">How to Avoid Getting Scammed With a Reverse Mortgage</a>)</p> <h2>4. Consider the Cost of Home Modification<strong> </strong></h2> <p>When your loved one falls ill, it may limit their ability to function as they once did. This could mean that they're confined to a single floor in the home. Third-party care facilities take these safety measures into account for limited-mobility patients, but if you're providing long-term care in your own residence, you may need to outfit the home so it's more elderly-friendly.</p> <p>&quot;If the decision is to have the long-term care in the current residence, the family might need to plan for modifications to the home for either specialized medical equipment or for access issues around bathrooms, kitchens, and getting in and out of the house,&quot; explains John Bodrozic, co-founder of HomeZada, which specializes in digital home management. &quot;These could be things like ramps for wheelchairs, bathtubs with access doors, nonslip flooring, and other modifications, depending on the occupant's specific needs.&quot;</p> <h2>5. Factor in Home Maintenance<strong> </strong></h2> <p>If the care of your loved one takes place in their own residence &mdash; whether by you, another loved one, or hired help &mdash; it's keen to remember that someone will be tasked with maintaining the property for hygiene, safety, and resale value reasons.</p> <p>&quot;Things like cleaning leaves from gutters, replacing smoke detector batteries, and changing air filters are simple tasks, but usually require ladders. It's not suitable for people with long-term medical issues to handle these tasks,&quot; Bodrozic says.</p> <p>You may be able to handle these tasks on your own, but if these are projects that you plan to farm out to hired help, you'll need to include the costs in your monthly care budget.</p> <h2>6. Let a Professional Help You<strong> </strong></h2> <p>If you don't know what you're doing with regards to long-term care, don't freak out &mdash; you're not alone. Most people who are faced with this situation are first-timers are who overwhelmed with not only accepting the fate of a loved one, but trying to accommodate them as best as possible so they can live out their days in comfort.</p> <p>Daniel Sagal is a senior living adviser at Los Angeles-based Total Senior, which focuses on health care planning and services for seniors. If you don't think you're equipped to make the best decision, or you're having trouble coming to grips with it all, he suggests consulting someone who can help you through it, like a senior care adviser or care manager. Some services are free while others require fees, he says, but both will typically help families navigate the options for senior care.</p> <h2>7. Beware of Scams<strong> </strong></h2> <p>Like a lot of industries, there are people out there gunning to take advantage of you, and it's not terribly hard to become a victim of a scam when your emotions are already on the fritz.</p> <p>Sagal explains.</p> <p>&quot;...Before providing your information or allowing someone to guide you to senior care options, be sure to do your research. Look at their online reviews, make sure they have a credible website with real information/content, ask for references, and check around with health care professionals.&quot;</p> <p>Doing your due diligence now can ensure a more comfortable situation for everyone later.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care">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/6-ways-to-ease-your-parents-into-assisted-living">6 Ways to Ease Your Parents Into Assisted Living</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-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</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-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</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-support-your-broke-parents">How to Support Your Broke 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/are-your-assets-costing-you-too-much">Are Your Assets Costing You Too Much?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family advisers caregivers elderly health care home care life insurance long-term care nursing homes parents relatives seniors Tue, 14 Feb 2017 10:30:32 +0000 Mikey Rox 1889845 at http://www.wisebread.com 5 Money Strategies for the Sandwich Generation http://www.wisebread.com/5-money-strategies-for-the-sandwich-generation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-strategies-for-the-sandwich-generation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-77931648.jpg" alt="Sandwich generation learning smart money strategies" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Generation X is commonly called the sandwich generation for two reasons. First, they are sandwiched between the Millennials and the Baby Boomers, both groups that seem to hog media coverage &mdash; and marketing budgets. More importantly, many Gen Xers face the modern problem of caring for their elderly parents while still also caring for their own children. (See also: <a href="http://www.wisebread.com/6-ways-the-sandwich-generation-can-get-ahead?ref=seealso" target="_blank">6 Ways the Sandwich Generation Can Get Ahead</a>)</p> <p>Being in the sandwich generation can be stressful and financially draining. Here are five strategies to stay financially afloat if you're caring for others.</p> <h2>1. Talk Openly About Finances</h2> <p>Whether your elderly parents live with you or not, it is important to know where they stand financially. For families that didn't grow up talking about money, this might feel awkward. However, it is important for you to be prepared to assume financial responsibility if anything were to happen.</p> <p>Of course, it is best to have this talk with a certified financial planner and estate attorney, as well. There are a lot of financial matters to discuss.</p> <ul> <li>Who has <a href="http://www.wisebread.com/what-is-power-of-attorney" target="_blank">power of attorney</a>?<br /> &nbsp;</li> <li>Where will the funds for your parents' care come from?<br /> &nbsp;</li> <li>Should your parents be receiving veterans' benefits or Medicaid assistance?<br /> &nbsp;</li> <li>Do your parents have any investments, and are they making the best rate of return on them?<br /> &nbsp;</li> <li>Do your parents have <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it" target="_blank">long-term care insurance</a> or enough retirement savings to cover care costs?</li> </ul> <h2>2. Utilize Special Savings Accounts</h2> <p>Money will be tight when you are caring for your parents and children at the same time, but don't neglect saving accounts. Contribute as much as you can to your retirement account and even look into a 529 plan for future college costs.</p> <p>Many employers offer flexible spending accounts (FSAs), which allow you to contribute up to $2,500 into a health account and dependent care account. If both you and your spouse are employed, then you might both be eligible to contribute $2,500, for a combined $5,000. This money can be used for your own medical costs, your kids' medical costs and care needs, and your elderly parents' medical and care needs, if they are declared as your dependents.</p> <p>An elderly parent can be financially taxing, but don't let that cause you to avoid saving for your retirement or your child's college. You don't want to be stuck in a financial black hole once your elderly loved one is gone.</p> <h2>3. Get Tax Benefits</h2> <p>If you do declare a parent as a dependent, make sure you get all of the possible tax benefits. Talk with a tax specialist about getting special deductions for medical home improvements, medical expenses, and care expenses.</p> <h2>4. Prioritize the Budget</h2> <p>Take a look at your budget and see what can be cut or put on hold. You might have to move to a more affordable area or forgo family vacations for a few years. Being in the sandwich generation will take sacrifice, but if you can survive this time without incurring debt, then you will stay financially afloat.</p> <p>If you need extra money, try to sell unwanted or unneeded items. Every little bit helps. If either your child or parent is capable of earning some money with a part-time position, this can help too. A teenager can get a job and take over their cellphone or car payments, and your parent can help contribute to the grocery budget. Even if this only adds up to an extra $100 a month, it can still create a little bit of breathing room.</p> <h2>5. Ask Other Family Members for Help</h2> <p>An aging parent shouldn't fall on the shoulders of just one person. Siblings and other able family members should help financially and physically. Have a serious talk with your other siblings and family members about contributing. If they cannot contribute financially, then they should be able to watch or care for an elderly parent at least a few hours a month to give you a break.</p> <p>Don't try to balance the weight of aging parents and children alone. Start by talking with a financial adviser, who can help put your finances in order and point you to free resources. It can also help to seek advice from peers who have gone through or are going through the same situation.</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/5-money-strategies-for-the-sandwich-generation">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/6-ways-the-sandwich-generation-can-get-ahead">6 Ways the Sandwich Generation Can Get Ahead</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/4-tax-mistakes-new-parents-make">4 Tax Mistakes New Parents Make</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-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</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-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids 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/10-basic-manners-you-must-teach-your-kids">10 Basic Manners You Must Teach Your Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family aging parents baby boomers children dependents generation x household millennials money advice sandwich generation Mon, 13 Feb 2017 11:00:07 +0000 Ashley Eneriz 1884961 at http://www.wisebread.com The 5 Best Infant Nail Clippers http://www.wisebread.com/the-5-best-infant-nail-clippers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-infant-nail-clippers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_nail_trim_611867958.jpg" alt="Mom using best infant nail clippers on a baby" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're nervous about clipping your baby's nails, then infant nail clippers can help you complete the task quickly and safely. The right baby nail clippers can help you avoid mistakes and keep your infant's nails at the optimal length.</p> <h2>What Are Infant Nail Clippers?</h2> <p>Infant nail clippers are hand tools that can trim your baby's tiny fingernails. The handy little grooming tools are unique because they are specially designed for small fingers. (See also: <a href="http://www.wisebread.com/the-5-best-nail-clippers?ref=seealso">The 5 Best Nail Clippers</a>)</p> <h2>Top 5 Infant Nail Clippers</h2> <h3>The First Years American Red Cross Deluxe Nail Clipper</h3> <p><a href="http://amzn.to/2kkCPzp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/american%20red%20cross.jpg" width="245" height="169" align="right" alt="" /></a>Amazon's #1 best-seller in baby nail care, <a href="http://amzn.to/2kkCPzp">The First Years American Red Cross Deluxe Nail Clipper</a> with foldaway magnifier can make it easier to trim tiny nails. The removable magnifier magnifies four times to ensure you can see exactly what you're clipping with less eyestrain. The plastic and stainless steel deluxe nail clipper features precision, stainless steel blades and an ergonomic shape for enhanced grip. This is an Amazon's Choice product and has outstanding online reviews, including nearly 600 five-star reviews on Amazon. It is an officially licensed product of the American Red Cross and is recommended by Diapers.com.</p> <p><a href="http://amzn.to/2kkCPzp"><em>Currently $2.79 on Amazon</em></a></p> <h3>Safety 1st Sleepy Baby Nail Clipper</h3> <p><a href="http://amzn.to/2liRAa1"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/safety%201st.jpg" width="220" height="207" align="right" alt="" /></a>If you like to trim your baby's nails while they nap for a quick, no-fuss experience, then the <a href="http://amzn.to/2liRAa1">Safety 1st Sleepy Baby Nail Clipper</a> is perfect for you. It has a built-in LED light at the tip with battery-saving auto shut-off, so you can safely clip your baby's nails while they sleep. It features a large ergonomic soft touch nonslip handle and curved cutting edges to perfectly fit around tiny fingers. It also includes an emery board slot and emery board to smooth any sharp nail edges. This is recommended by Diapers.com and has more than 400 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2liRAa1"><em>Currently $4.75 on Amazon</em></a></p> <h3>Summer Infant Nail Clipper</h3> <p><a href="http://amzn.to/2kpVjkx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/summer%20infant.jpg" width="245" height="181" align="right" alt="" /></a>The <a href="http://amzn.to/2kpVjkx">Summer Infant Nail Clipper Set</a> includes infant and adult size nail clippers, so you can get quality clippers for the whole family. The handles have soft hold for comfort, allowing you to maintain a steady grip. The standard adult nail clipper has a handle that rotates 360 degrees for better control. The infant nail clipper has a rounded tip for safety and is the perfect size for tiny fingers. The clippers are recommended by Diapers.com and have outstanding online reviews.</p> <p><a href="http://amzn.to/2kpVjkx"><em>Currently $2.40 on Amazon</em></a></p> <h3>Piyo Piyo Yellow Baby Nail Scissors</h3> <p><a href="http://amzn.to/2lmdhlx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/piyo%20piyo.jpg" width="245" height="168" align="right" alt="" /></a>If you prefer tiny scissors to traditional clippers, then the <a href="http://amzn.to/2lmdhlx">Piyo Piyo Yellow Baby Nail Scissors</a> are perfect for you. The durable stainless steel blades have a slight curve, so you can prevent accidents by making one smooth, even cut. The balanced handle design makes these comfortable for use by both right- and left-handed parents. Most reviewers agree that these are easier to use than traditional clippers. They are available in three different colors and include a protective cover. They are recommended by Diapers.com and have more than 900 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2lmdhlx"><em>Currently $7.49 on Amazon</em></a></p> <h3>Fridababy NailFrida the SnipperClipper Set</h3> <p><a href="http://amzn.to/2kLODhB"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fridababy.jpg" width="127" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2kLODhB">Fridababy NailFrida SnipperClipper Set</a> includes nail clippers and a nail file to safely and effectively trim and smooth tiny nails. It features a safety spy hole so that you can see exactly what you're clipping and don't accidentally cut into the nail bed. It also has scissor-like curved blades to cut nails smoothly with minimal effort. The curved S-file follows the nail contours to smooth sharp edges quickly and easily. The set has outstanding reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2kLODhB"><em>Currently $11.90 on Amazon</em></a></p> <p>And those are our recommendations for the best infant nail clippers. 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-infant-nail-clippers">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-pet-nail-clippers">The 5 Best Pet Nail Clippers</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-nail-clippers">The 5 Best Nail Clippers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-collars">The 5 Best Pet Collars</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-pet-cameras">The 5 Best Pet Cameras</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-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping 5 best baby infant nail clippers nail clippers nail trim product reviews shopping Wed, 08 Feb 2017 10:00:16 +0000 Andrea Cannon 1888606 at http://www.wisebread.com The 5 Best Pet Nail Clippers http://www.wisebread.com/the-5-best-pet-nail-clippers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-nail-clippers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_nail_trimmer_506541297.jpg" alt="Dog getting nails trimmed by best nail clipper" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Trimming your pet&rsquo;s nails should be a regular part of the grooming process. Keeping their nails regularly groomed can help prevent pain and injury to your beloved pet. It can also help your pet walk more comfortably and prevent scratches on your floor and furniture. By trimming their nails at an early age, you can accustom your pet to the experience, so they don&rsquo;t squirm as much going forward.</p> <h2>What Are Pet Nail Clippers?</h2> <p>Pet nail clippers are hand tools that allow you to safely trim your pet&rsquo;s nails at home. By taking advantage of safe, professional grooming at home, you can save a lot of money at the groomer.</p> <p>Nail trimmers should be sharp, feel comfortable in your hand, and be the right size for your pet. If you don&rsquo;t have a steady hand or feel nervous that you may cut too deep with nail trimmers, consider one of the grinding grooming tools listed below instead.</p> <h2>Top 5 Pet Nail Clippers</h2> <h3>Safari Professional Nail Trimmer</h3> <p><a href="http://amzn.to/2jABffc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/safari.jpg" width="217" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2jABffc">Safari Professional Nail Trimmer</a> works just as well for small cats as it does for large dogs. It features locking blades, an adjustable safety stop to prevent injury, and rubber-coated handles for easy, comfortable gripping. The sharp, durable, long-lasting cutting edge is made from the finest quality stainless steel to ensure clean cuts.</p> <p>They work like scissors to make nail trimming and maintenance effortless, even for large, thick nails. It comes in a range of sizes, so you can pick the best one for your pet&rsquo;s size. It is recommended by the American Kennel Club and has outstanding online reviews, including more than 3,100 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jABffc"><em>Currently $8.69 on Amazon</em></a></p> <h3>Epica Professional Pet Nail Clipper</h3> <p><a href="http://amzn.to/2jppRRm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/epica_0.jpg" width="163" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2jppRRm">#1 Best Professional Pet Nail Clipper from Epica</a> is easy and safe to use. The durable, heavy-duty spring action clippers have rubber coated handles for a comfortable, secure nonslip grip. It also has a safety edge to prevent over-cutting and a standard safety lock for safe storage. The top quality rugged stainless steel, tempered shears offer long-lasting sharpness and won't bend, scratch, or rust. It offers precise, even cutting with no jagged edges or splintering.</p> <p>They work like scissors to make nail trimming and maintenance effortless, even for large, thick nails. It comes in two different sizes, so you can pick the best one for your pet&rsquo;s size. It is recommended by the American Kennel Club and has outstanding online reviews, including more than 2,100 five-star reviews on Amazon. It is also backed by a 100% lifetime warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2jppRRm"><em>Currently $9.50 on Amazon</em></a></p> <h3>Dremel Pet Nail Grooming Tool</h3> <p><a href="http://amzn.to/2iL6ccr"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dremel.jpg" width="171" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in dog claw care, the <a href="http://amzn.to/2iL6ccr">Dremel Pet Nail Grooming Tool</a> is the perfect solution if you want an alternative to clipping your dog&rsquo;s or cat&rsquo;s nails. The rotary tool offers light duty performance to gently grind away long nails quickly, safely, and painlessly. Two rotation speeds allow you to customize it to your pet&rsquo;s comfort level. It offers cordless operation using a rechargeable and removable battery pack for optimum control.</p> <p>It may take some time for your pet to get used to the vibrating sensation of this device. The grinding process also takes a bit longer than the clipping process, but it helps ensure that you never clip too far down. This is recommended by the American Kennel Club and has outstanding online reviews, including nearly 2,000 five-star reviews on Amazon. It is also backed by a two-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2iL6ccr"><em>Currently $24.23 on Amazon</em></a></p> <h3>Boshel Dog Nail Clippers</h3> <p><a href="http://amzn.to/2iKZe7g"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/boshel.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2iKZe7g">Dog Nail Clippers and Trimmer By Boshel</a> works well for both dogs and cats. The protective safety guard and heavy-duty, sharp stainless steel cutting edge allow you to trim your pet&rsquo;s nails cleanly and quickly. The ergonomic design and comfortable nonslip handles allow you to apply the perfect amount of force, without fear of accidentally slipping and hurting your pet during grooming. There is also an integrated safety stop blade, which serves as a quick sensor to prevent over-cutting the nails. It also comes with a free nail file, which stores compactly in the handle of the clipper, to ensure there are no jagged edges.</p> <p>This works like scissors to make nail trimming and maintenance effortless, even for large, thick nails. The blade will stay sharp for years to provide you with the best value possible. It is recommended by the American Kennel Club, as well as by countless animal trainers, veterinarians, and professional pet groomers. It also has outstanding online reviews, including more than 900 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2iKZe7g"><em>Currently $12.99 on Amazon</em></a></p> <h3>Pedi Paws Dog Nail Grinder by BulbHead</h3> <p><a href="http://amzn.to/2iL0qYr"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pedi%20paws.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2iL0qYr">Pedi Paws Dog Nail Grinder by BulbHead</a> is an As Seen On TV item that actually works. The precision emery filing wheel gently removes thin layers of the nail, so it won&rsquo;t cut sensitive nerves like nail clippers can. The unique protective cap allows only the perfect amount of nail to be removed and traps clipped filings so there is no mess. The quiet cordless trimmer is fast, easy, gentle to use, and won&rsquo;t crack, splinter, or break your pet&rsquo;s nails.</p> <p>This is ideal for calm cats and dogs as the buzzing sound can scare pets. It may take some time for your pet to get used to the vibrating sensation of this device. The grinding process also takes a bit longer than the clipping process, but it helps ensure that you never clip too far down. The battery-powered grinder is recommended by Consumer Search and the American Kennel Club.</p> <p><a href="http://amzn.to/2iL0qYr"><em>Currently $25.35 on Amazon</em></a></p> <p>And those are our recommendations for the best pet nail clippers. 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-pet-nail-clippers">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-infant-nail-clippers">The 5 Best Infant Nail Clippers</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-diapers">The 5 Best Diapers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</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-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty Shopping 5 best nail clipper nail trim nail trimmer pet nail clipper product reviews shopping Thu, 19 Jan 2017 10:00:11 +0000 Andrea Cannon 1876852 at http://www.wisebread.com 10 Fun Books That Will Get Your Kids Excited About Money http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-fun-books-that-will-get-your-kids-excited-about-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-597659170.jpg" alt="your kids will love these books about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Chances are, you want your child to be financially wise, but every time you start to talk about money management or smart spending, your kid conveniently tunes out. Fun books are the perfect way to get your children thinking about money.</p> <p>You don't necessarily need to force your kids to read heavy economic books. Instead, allow them to enjoy and be inspired by these books about saving, giving, and starting businesses.</p> <h2>1. <em>The Berenstain Bears' Dollars and Sense</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2i7aviQ" target="_blank">The Berenstain Bears' Dollars and Sense</a> helps teach kids about allowance management. The book has tear-out checks so that kids can practice writing their own. While most of the population uses <a href="http://www.wisebread.com/credit-cards-vs-debit-cards-a-comprehensive-comparison" target="_blank">debit cards and credit cards</a>, writing checks is still something that should be learned.</p> <h2>2.<em> The Berenstain Bears' Money Trouble</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2j1dwBl" target="_blank">The Berenstain Bears' Money Trouble</a> features the same lovable bears as they start several businesses to earn money. Starting a business isn't easy, even when it's just a lemonade stand. This book goes through those initial obstacles in a fun way.</p> <h2>3. <em>The Berenstain Bears' Piggy Bank Blessings</em> by Stan and Jan Berenstain</h2> <p><a href="http://amzn.to/2j1fFwW" target="_blank">The Berenstain Bears' Piggy Bank Blessings</a> has an overall religious tone, quoting verses, but the story follows the bears as they save money for a surprise birthday present for their mom. My four-year-old enjoys this one, and I enjoy that the book shows the main characters thinking of others.</p> <p>See also: <a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money?ref=seealso" target="_blank">8 Best Sites to Help Your Kids Learn About Money</a></p> <h2>4. <em>If You Made a Million</em> by David M. Schwartz</h2> <p>Kids throw around &quot;million&quot; without really knowing what it represents. <a href="http://amzn.to/2iw7QSV" target="_blank">If You Made a Million</a> helps children ages seven and older understand the complexity of big numbers in a fun way. While the book was published over two decades ago, it remains a classic, having won the ALA Notable Book and a Reading Rainbow Feature Selection.</p> <h2>5. <em>Prices! Prices! Prices!: Why They Go Up and Down</em> by David Adler</h2> <p>The well-loved author of the Cam Jansen series, David Adler, also happens to be a former math teacher. His book,<a href="http://amzn.to/2iAlvqd" target="_blank"> Prices! Prices! Prices!: Why They Go Up and Down</a> has such fun illustrations and tackles the concepts of supply and demand.</p> <h2>6. <em>Amelia Bedelia Means Business</em> by Herman Parish</h2> <p>Amelia Bedelia is a lovable and quirky character who takes everything literally. There have been many times I have laughed out loud while reading the original Amelia Bedelia series to my daughter, especially when she is told to &quot;dress the turkey&quot; and makes a little suit for the turkey dinner.</p> <p><a href="http://amzn.to/2iAnk6j" target="_blank">Amelia Bedelia Means Business</a> is not written by the original author, but the story still follows the same theme. This one follows a young Amelia Bedelia as she tries to make money, even getting in trouble with the local police.</p> <h2>7. <em>American Girl Library: A Smart Girl's Guide: Money</em> by Nancy Holyoke and Sarah Hunt</h2> <p>American Girl non-fiction titles are both engaging and useful for young girls. <a href="http://amzn.to/2hMVXnq" target="_blank">A Smart Girl's Guide: Money</a> is written in an engaging, magazine-type format. Topics covered are smart shopping tips, making money, and investing. The book includes fun graphics and easy-to-use quizzes.</p> <h2>8. <em>The</em> <em>Babysitter's Club Series</em> by Ann Martin</h2> <p>There might not be any set money lessons in the <a href="http://amzn.to/2iAhDW9" target="_blank">Babysitter's Club Series</a>, but I remember clearly that it helped spark an entrepreneurial spirit in me during my tween years. The idea that a group of teen girls start their own babysitting club had me planning and thinking about doing that myself. While I never started a babysitting club, I still have that entrepreneurial spirit that has allowed me to creatively earn money without a 9-to-5 position. The book series has been redone as a graphic novel, so it will appeal to today's generations.</p> <p>See also: <a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children?ref=seealso" target="_blank">7 Frugal Living Skills You Should Be Teaching Your Children</a></p> <h2>9. <em>Rock, Brock, and the Savings Shock</em> by Sheila Bair</h2> <p><a href="http://amzn.to/2j1rmUr" target="_blank">Rock, Brock, and the Savings Shock</a> follows twins whose grandpa offers them a 10-week savings plan. Every dollar they save will be matched. One twin saves his money and has over $500 after 10 weeks, while the other twin spends the money foolishly. Tons of great money lessons in here.</p> <h2>10. <em>Isabel's Car Wash</em> by Sheila Bair</h2> <p>From the same author as the title above,<a href="http://amzn.to/2j1rvqX" target="_blank"> Isabel's Car Wash</a> is about a girl who wanted a doll that cost $10. She decides to start a car washing business, but first needs money for supplies. The book follows her adventure of starting a small business so that she can buy her doll.</p> <p>There are so many wonderful books out there that teach kids important money skills. Look for books that teach children the money basics in a fun way, and also look for books that features the main character acting as an entrepreneur.</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/10-fun-books-that-will-get-your-kids-excited-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget">How to Help Your Kid Build Their First Budget</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-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-money-saving-hacks-are-a-huge-waste-of-time">These 5 Money-Saving Hacks Are a Huge Waste of Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Family budgeting family kids money parenting saving money Spending Money teenagers tweens Mon, 09 Jan 2017 11:00:09 +0000 Ashley Eneriz 1869549 at http://www.wisebread.com The 5 Best Pet Collars http://www.wisebread.com/the-5-best-pet-collars <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-collars" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_wearing_collar_157333376.jpg" alt="Dog wearing best pet collar" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A quality pet collar is an essential item for your dog or cat. You can attach their leash or harness to it, as well as some form of identification, in case your pet ever gets lost.</p> <h2>What Is a Pet Collar?</h2> <p>A pet collar is placed around your pet&rsquo;s neck to keep them safe and serve as a year-round fashion accessory. Collars are available in virtually limitless sizes, styles, and colors.</p> <p>The collar should fit comfortably snug on your pet's neck. To find the right size, measure snugly around the middle of your pet&rsquo;s neck and add an extra 5% for a comfortable fit. As a general rule, you should be able to fit two fingers comfortably underneath the collar. As your pet gets older (and bigger), you&rsquo;ll need to adjust the collar size so they remain comfortable.</p> <h2>Top 5 Pet Collars</h2> <h3>Custom Embroidered Dog Collars</h3> <p><a href="http://amzn.to/2hShxw1" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/custom.jpg" width="245" height="195" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in basic dog collars, the <a href="http://amzn.to/2hShxw1" target="_blank">Custom Embroidered Dog Collar</a> is a personalized identification collar with your pet&rsquo;s name and phone number permanently embroidered into it. The tough nylon collar features a sturdy snap closure style plastic buckle and a stainless steel D-ring swivel clip that is double boxed stitched for added durability. Best of all, if your pet ever gets lost, you&rsquo;ll have the peace of mind that their name and phone number are easily visible to passersby. This is available in five collar colors, 15 thread colors, and allows for up to 25 stitched characters. It is adjustable and available in a range of sizes. It has outstanding online reviews, including more than 2,600 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2hShxw1" target="_blank"><em>Currently $18.95 on Amazon</em></a></p> <h3>LupinePet 1-Inch Adjustable Dog Collar</h3> <p><a href="http://amzn.to/2iFcwnm" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lupine.jpg" width="245" height="112" align="right" alt="" /></a>The reliable <a href="http://amzn.to/2iFcwnm" target="_blank">LupinePet 1-Inch Adjustable Dog Collar</a> is made of the highest quality jacquard nylon webbing, with strong bar tack stitching. It features the highest quality, strongest side release plastic buckle on the market. The non-slip teeth molded into the nylon plastic tri-glide maintain the collar&rsquo;s size even when your dog pulls. The welded steel D-ring is rust-resistant and the collar can be machine-washed, so it can hold up well over time. This is fully adjustable and available in a range of sizes and colors. It is recommended by Heavy.com and is guaranteed to last your dog&rsquo;s lifetime.</p> <p><a href="http://amzn.to/2iFcwnm" target="_blank"><em>Currently $10.69 on Amazon</em></a></p> <h3>Blueberry Pet Classic Solid Color Nylon Dog Collar</h3> <p><a href="http://amzn.to/2ic6D0c" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blueberry.jpg" width="245" height="196" align="right" alt="" /></a>The <a href="http://amzn.to/2ic6D0c" target="_blank">Blueberry Pet Classic Solid Color Nylon Dog Collar</a> is made of durable nylon with high-density polyester webbing and a neoprene bottom layer for maximum comfort. It features eco-friendly, heavy-duty plastic buckles and a metal, chrome-coated D-ring. There is also a loop on the logo, which you can attach tags or charms to, instead of to the D-ring, like most other collars. This is available in various sizes and colors. It is recommended by Heavy.com and is made to last.</p> <p><a href="http://amzn.to/2ic6D0c" target="_blank"><em>Currently $8.99 on Amazon</em></a></p> <h3>GoDoggie-GLOW USB Rechargeable LED Dog Safety Collar</h3> <p><a href="http://amzn.to/2ic0Szz" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/godoggie.jpg" width="245" height="164" align="right" alt="" /></a>If you walk your pooch at night, then the <a href="http://amzn.to/2ic0Szz" target="_blank">GoDoggie-GLOW USB Rechargeable LED Dog Safety Collar</a> is an absolute necessity. It looks like a traditional collar, but with the switch of a button, you can turn on the super-bright LED collar lights, allowing you to find your dog quickly in the dark. The innovative premium-quality dog collar can provide greater safety for your pet and peace of mind for you. The lightweight, durable collar is made of top quality, super-strong nylon webbing with high-tensile stitching, an indestructible stainless steel D-ring, and a strong plastic quick-release buckle. It is easy to put on and features glow, rapid flash, and slow flash settings, making your pet visible over 1,000 feet in the dark. The weatherproof collar has rust-proof components, so it works in all weather conditions.</p> <p>This charges quickly via USB and can hold the charge for a long time. The power-saving LED lights last for 100,000 hours, providing a great value. The LED safety collar comes with a USB charging cable and rechargeable lithium-ION battery. It has an enclosed battery case and switch, as well as a protected USB charging port, so it&rsquo;s not exposed to dirt and mud. It is fully adjustable and comes in a range of sizes and colors. It has outstanding online reviews, including more than 1,000 five-star reviews on Amazon. It is also backed by a two-year money-back satisfaction guarantee for your added peace of mind.</p> <p><a href="http://amzn.to/2ic0Szz" target="_blank"><em>Currently $16.99 on Amazon</em></a></p> <h3>PetSafe Petite Martingale Collar With Quick Snap Buckle</h3> <p><a href="http://amzn.to/2hTSWFq" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petsafe.jpg" width="31" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2hTSWFq" target="_blank">PetSafe Petite Martingale Collar With Quick Snap Buckle</a> offers a safer, more comfortable alternative to a choke collar. It tightens when pressure is applied, reducing the risk of a dog backing out of the collar and escaping. It is made of high-quality, durable nylon and features a quick snap buckle for easy on and off. This is available in a range of sizes and colors. It is recommended by the American Kennel Club and by countless vets and trainers as the best design for daily wear.</p> <p><a href="http://amzn.to/2hTSWFq" target="_blank"><em>Currently $9.09 on Amazon</em></a></p> <p>And those are our recommendations for the best pet collars. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <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-pet-collars">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-infant-nail-clippers">The 5 Best Infant Nail Clippers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-nail-clippers">The 5 Best Pet Nail Clippers</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-pet-flea-medications">The 5 Best Pet Flea Medications</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-cloth-napkins">The 5 Best Cloth Napkins</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping 5 best dog dog accessories dog collar family dog family pet product reviews shopping Thu, 05 Jan 2017 10:00:15 +0000 Andrea Cannon 1868726 at http://www.wisebread.com Taking a Work Leave? Here's How to Prepare http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave <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-prepare-for-a-job-leave" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_son_baby_505122600.jpg" alt="Man finding smart ways to prepare for a job leave" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may be looking to take some time off from work to stay home with your children. Or perhaps you have a new business venture you'd like to get after.</p> <p>Leaving the traditional workforce is something people do for a variety of reasons. I left my 9-to-5 a little over five years ago to stay home with my daughter. It was a big transition, both personally and professionally. I can tell you firsthand, though, that if you're smart about it &mdash; it may be one of the best moves of your life.</p> <h2>1. Make a Budget</h2> <p>If you don't already have a budget, make one &mdash; today. It's incredibly important before you take a job leave to understand how much money you have, where it's going, and how you'll deal once you don't have a steady paycheck coming in. Making a budget can be an enlightening or frightening process, but you definitely want to look before you leap into the financial unknown.</p> <p>To start, write out exactly how much money will be coming in after you leave your job. Then write out how much money goes out between fixed expenses (housing, student loans, car payments, etc.) and variable expenses (groceries, entertainment, clothing, travel). Don't forget big items like health care, either. After that, you can look for opportunities to cut your budget for the big change. (See also: <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps?ref=seealso">Build Your First Budget in Five Easy Steps</a>)</p> <p>While you're at it, try saving as much as you can and building an emergency fund. My husband and I actually spent a good part of the year before I left my job trying to live within the budget we'd need after the baby. Any money we saved in the meantime went directly into our bank account.</p> <h2>2. Get Introspective and Creative</h2> <p>Leaving your job may mean making some pretty tough sacrifices. Maybe you won't be able to buy new cars or go on vacation. Maybe you'll need to stop eating out or even downsize your home. There will likely be days when you will ask yourself: &quot;Why am I doing this again?&quot;</p> <p>Having a long, hard talk with yourself (or several) will help you solidify the motivations for your leave. They will become stronger and stronger in your mind. Sure, you may hit some difficult or tricky times, but if you are passionate about the reason, you'll have the perseverance to continue on and figure out solutions.</p> <p>If you're feeling on the fence about it all, you may want to get creative. Meet with your HR department to explore other opportunities. Maybe you could scale back to working part-time. Maybe your department offers a more flexible schedule. Or maybe there are other jobs in your community that would afford you the time you're looking to gain.</p> <h2>3. Practice, Practice, Practice</h2> <p>After chatting with HR, I discovered that the university where I used to work offered up to eight months of unpaid child care leave. Before I decided to quit my job for good, I let my boss know that I wanted to take the maximum amount of leave. During this time off, our family continued to practice what life would be like &mdash; and what our budget would be like &mdash; without my paycheck. It wasn't a totally easy transition.</p> <p>For example, within the first month of my leave, our furnace died. It was the dead of winter, so we had to dip deep into the emergency fund earlier than expected. A few months after that we had a major roof leak. This is where our savings and budgeting really came into play.</p> <p>In the end, we realized that we would be fine because we had planned for these types of minor disasters. I had moments of doubt, though, and I was thankful to know that I had a job waiting for me if I needed it. Find out what type of temporary leave options are available to you. A trial run is a wonderful opportunity to see if your plans will work out in real life. Think of it as a pair of training wheels.</p> <h2>4. Leave on Good Terms</h2> <p>Even if you hate your job, you don't exactly want to leave burning all your bridges in the process. Of course, you may find yourself with a boss who doesn't completely understand or support your decision. And that's okay. What you can do, though, is to ease the transition for everyone involved as much as possible. That will help you leave on the best of terms.</p> <p>Give your boss plenty of notice before your leave. You may even want to, as I did, ask if you might return to your workplace in the future. Though my boss wasn't thrilled to be losing a dependable worker, he ultimately understood and respected my reasons for leaving.</p> <p>I left scrupulous notes for my replacement, organized all my digital and paper files, and even offered to be available for a short while if anyone had questions. On my last day, we shook hands and I felt confident &mdash; and still do &mdash; that I could apply for future positions.</p> <h2>5. Keep Your Toes Dipped</h2> <p>When I left my job, I wasn't totally sure how long it would work out. On paper, things were looking good. In practice, well, we kept hitting some financial roadblocks. I knew I wanted to stay home with my daughter, but I also knew that bringing in some money would be helpful. Keeping my resume and skills relevant was another important thing to me.</p> <p>That's when I started looking around for freelance writing work. Some of my friends were working on different gigs, so I reached out to them. Networked. I asked tons of questions and even got some leads on jobs. In the years since, I've worked at home anywhere between five and 30 hours a week. I've had a lot of situations in my life where I've needed to scale back or almost entirely from freelancing. Still, I have these jobs on my resume.</p> <p>I'm keeping current. (And I'm enjoying it, too!) Even if you don't want to actually work during your time off, you can volunteer. You can absolutely include volunteer work on your resume. Experience is experience. And the great thing about volunteering is that you can often put it on your own schedule.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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-go-from-two-incomes-to-one">How to Go From Two Incomes to One</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/13-great-reasons-to-quit-your-job">13 Great Reasons to Quit Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Family budgeting emergency funds extended leave job leave one income family quitting stay at home parent workforce Wed, 04 Jan 2017 10:30:33 +0000 Ashley Marcin 1867991 at http://www.wisebread.com Should Your Kids Contribute to Family Money Goals? http://www.wisebread.com/should-your-kids-contribute-to-family-money-goals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/should-your-kids-contribute-to-family-money-goals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_kid_piggybank_517743380.jpg" alt="Parents asking kid to contribute to financial family goals" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many years ago, I remember watching an episode of Wife Swap, a reality television program where &quot;two wives, from two very different families, swap lives for two weeks.&quot; The episode starred Tulsa, Oklahoma mom, Amy King, who made her three children buy their own treats and contribute toward all family vacations.</p> <p>Initially I thought the idea of making your children pay for their own vacation was a little radical and unloving. Obviously you don't want to force your eight-year-old to give up all of their allowance to your home renovation project or make your teenager stay home if they don't contribute to the family vacation fund.</p> <p>But it got me thinking. Could there be some good in asking children to contribute financially to family goals?</p> <h2>Why Set Family Financial Goals?</h2> <p>Setting and striving toward a goal as a family can be a powerful thing. It can bring every member of your family together and can help you work together and keep each other accountable. Spark Parenting says, &quot;Once kids see firsthand how to <a href="http://www.sparkparenting.com/Tip_Sheet_Family_Goals.pdf" target="_blank">set and achieve family goals</a>, they'll better understand what it takes to set and accomplish personal goals.&quot;</p> <p>Some important goals to set for your family can include:</p> <ul> <li>Spending more time together;</li> <li>Reading 10 books together;</li> <li>Getting healthy together;</li> <li>Giving back to the community.</li> </ul> <p>All of those goals are great to pursue as a family, but I encourage you to take on a financial family goal, too, especially when it feels like your budget is too tight for fun or travel. If you have been wanting to take a family vacation for years, yet never have enough money left over after bills, then setting a family financial goal can help.</p> <h2>Make It About the Family</h2> <p>When it comes to setting financial goals, set ones that involve and please the whole family. Yes, your family might be in debt or need new tires on the family van, but these scenarios should not be the responsibility of your children.</p> <p>Instead, make the financial goal something your kids want and can dream about with you. Here are some ideas for things to save up for:</p> <ul> <li>A family vacation in another country;</li> <li>A special dinner out;</li> <li>A day at a theme park;</li> <li>A family game/toy/activity (i.e. basketball hoop or bikes);</li> <li>Movies and ice cream.</li> </ul> <p>Your family financial goal can be big, such as a $5,000 vacation in Italy, or it can be small, like $30 for movies and ice cream. You can even have a mix of small and large goals. You should allow some room for your kids to daydream and plan. Don't just throw out &quot;Hey, kids, we need to visit grandma in Florida next year, start saving,&quot; and expect your kids to donate willingly.</p> <h2>How Much Should a Child Contribute?</h2> <p>Once the family has decided on a financial goal they want to accomplish, figure out a deadline and how much needs to be contributed each week and month. For example, a day trip to Disneyland for my family would cost around $450. If we wanted to go in 10 months, then we would need to save $45 toward our goal each month. We would then break down how much everyone would contribute weekly or monthly, depending on how often you pay allowances.</p> <p>If you assign chores and allowances based on age, then it is easy to assign how much each child should give toward the goal. Ideally, children's allowances should be split 50% &mdash; 60% spend/free choice, 20% &mdash; 30% save, and 10% give. This is true even if you do not do family allowances. If your child earns $10 a month for chores, you want to instill in him that he can keep $5 to $6 of it to do what he likes (depending on saving goals), $2 to $3 should go automatically into the savings account and not touched, and $1 should go toward charitable giving.</p> <p>For family financial goal contributions, 10% should be required of all children. I recommend the 10% coming out of the &quot;spend&quot; category, so that the child's allowance is broken down like so:</p> <ul> <li>50%&ndash;60% free choice</li> <li>20% savings</li> <li>10% family financial goal contribution</li> <li>10% charitable giving</li> </ul> <p>Obviously, your child is not going to be able to afford Disneyland anytime soon with a $1 contribution per month. That is where your contribution comes in. You fill in the gap, so it is important to make this a priority in your budget.</p> <p>So if my two children make $20 a month each from chores, I would expect them each to pay $2 toward the Disneyland fund. Which means my husband and I would then be responsible for $20.50 each per month.</p> <h2>What If Kids Don't Want to Give?</h2> <p>I definitely don't recommend making family goal time a negative thing with consequences and punishments. Instead, I recommend making a chart and setting the rule that parents only contribute on the weeks or months the kids contribute. So if my kids both spent their whole allowance on something else, then they wouldn't be in trouble, but I would show them that mom and dad will not be contributing this week and that our trip to Disneyland is now postponed a month.</p> <p>Making a large chart to track progress is a huge motivator for everyone. I encourage you to set and treat fun, family financial goals as a family matter. Everyone is doing their part. Of course, some kids might be against the idea, and for those issues, I believe you just need to sit down with them one-on-one and get to core of the problem. For example, maybe Johnny isn't contributing willingly to the fund because he doesn't want to go to Disneyland or because he is mad at his brother.</p> <p>Making your children contribute to family financial goals is for their benefit, not yours. This isn't the ultimate plan to get your child to start pulling their weight. Instead, it is a practical exercise that helps children understand the value of working together as a family, and how to save to make their own financial dreams come true.</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/should-your-kids-contribute-to-family-money-goals">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-sibling-discounts-that-can-save-you-big">6 Sibling Discounts That Can Save You Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget">How to Help Your Kid Build Their First Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited 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/7-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family allowance children contributing family goals giving kids lessons saving money Thu, 22 Dec 2016 10:30:27 +0000 Ashley Eneriz 1853794 at http://www.wisebread.com 9 Frugal Winter Activities to Keep Kids Busy During Holiday Break http://www.wisebread.com/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-607926786.jpg" alt="frugal, fun ways to keep kids entertained over winter break" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are your kids counting down the days to winter break? While it might be a much needed vacation for your children, it can be stressful for parents. Not only do you want to keep the kids entertained, or at least engaged with something other than electronics, but you also want to do it on a budget.</p> <p>Here are a few ideas to make the most of winter break without spending too much money.</p> <h2>1. Volunteer</h2> <p>The holiday season is filled with wants. Children and teens are bombarded with ads, so it is only natural for them to have a huge list of wants for the holiday season. Help them refocus on what truly matters this season by seeking out volunteer opportunities. Local animal shelters and homeless shelters are a good place to start. You can also help elderly neighbors meet their needs, such as hanging Christmas lights or making them a meal.</p> <p>Volunteering is a great bonding experience for you and your child, and it also helps your child to meet others who are in need. It helps them realize that there is more to this season than the latest toy or gadget.</p> <h2>2. Go on a Nature Walk</h2> <p>Kids of all ages can enjoy a nature walk, especially if you have a goal in mind. I recently took my little ones for a nature walk to collect twigs and pine cones that I can incorporate in my holiday décor. Encourage kids to do the same, and make crafts or décor out of found goods.</p> <h2>3. Try a Kid Exchange</h2> <p>If you are feeling a little overwhelmed with your kids for the holiday break, chances are you are not alone. Find a family that has children in similar age groups of your own and propose to exchange nights. You can host a fun sleepover one night, and the other family can host a fun sleepover the next night. This will keep your children entertained for two nights, while giving you a night off. (See also: <a href="http://www.wisebread.com/how-to-avoid-these-5-hidden-costs-of-winter?ref=seealso">How to Avoid These 5 Hidden Costs of Winter</a>)</p> <h2>4. Attend Local Plays</h2> <p>Many local theaters put on winter or children's performances during the holidays. Look for discounted or free shows to enjoy as a family.</p> <h2>5. Create a Holiday Library Scavenger Hunt</h2> <p>A trip to the library is free, but can sometimes leave kids complaining. Step up your library trip by making it into a game. Make a quick list of books your kids need to find to earn points. For example, have your kids find some of the following:</p> <ul> <li>A nonfiction kids' book about Christmas;</li> <li>A magazine with winter crafts;</li> <li>A book with the word &quot;Santa&quot; in it;</li> <li>A book with the word &quot;Snowflake&quot; in it;</li> <li>A book to learn about another culture's winter traditions;</li> <li>A funny holiday book.</li> </ul> <p>You can have your kids either write down the titles or check them out for some fun holiday reading.</p> <h2>6. Do Some Cookie Decorating</h2> <p>If the thought of baking cookies from scratch makes you break out in hives, relax! You can buy pre-made dough and some cookie decorating supplies for less than $10. Kids love to decorate cookies, and it can easily keep them occupied for up to an hour. For younger children, put frosting on a plate with a plastic knife, and give them a small cup of sprinkles, instead of the whole container. Listen to a holiday audiobook while you decorate for even more fun.</p> <h2>7. Camp in Your Living Room</h2> <p>Camping outside is out of the question if you live in cooler climates. However, a camp night in your living room will be something your kids remember for years to come. Either set up a tent or make your own tent out of chairs and blankets. Make s'mores on the stove and play fun campfire games, such as Name That Tune or Winking Assassin. (See also: <a href="http://www.wisebread.com/5-awesome-staycations-you-should-take-before-winter-ends">5 Awesome Staycations You Should Take Before Winter Ends</a>)</p> <h2>8. Put on a Show</h2> <p>Tell your kids that you will be hosting a talent show with prizes before family movie night. This will hopefully motivate them to spend time practicing their talent before show time. That actual talent show will be a fun family moment that everyone can partake in before settling down to a movie. Don't forget to record the show for priceless memories.</p> <h2>9. Host a Christmas Light Scavenger Hunt</h2> <p>When you're a kid, there is no such thing as too many scavenger hunts. Fill mugs full of hot chocolate and pile everyone in the car for a fun Christmas light outing. You can either just drive around looking for Christmas lights or make it a game with a scavenger hunt.</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/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</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-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</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/should-your-kids-contribute-to-family-money-goals">Should Your Kids Contribute to Family Money Goals?</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-lessons-about-money-i-learned-after-having-twins">7 Lessons About Money I Learned After Having Twins</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-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family family time frugal fun fun activities fun for kids holiday activities holiday break kids winter activities Tue, 13 Dec 2016 11:30:06 +0000 Ashley Eneriz 1853169 at http://www.wisebread.com 8 Frugal Living Skills I Wish My Parents Would Have Taught Me http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kid_holding_money-486555012.jpg" alt="Kid learning frugal living skills parents didn&#039;t teach her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We had it great when we were kids. Zero responsibility, zero bills, zero debt &mdash; and then we grew up. Our parents tried to teach us everything they knew, but nobody's perfect, and some things we had to learn the hard way. Like how credit cards will ruin your financial life for years if you start whipping them out at 18 years old like you actually have money to pay the bill. My mistake! Take a look at these other frugal living skills I wish my parents had taught me and see if you can relate.</p> <h2>1. How to Live the &quot;Vacation&quot; Life</h2> <p>I know what this sounds like, but it's not what you think. Living the vacation life isn't about lying around on the beach every day (at least not in this sense), but rather living like you're on vacation by getting by with only the essentials.</p> <p>Rebecca Gitana, author of the minimalist blog Lifestyle Remix, explains.</p> <p>&quot;When we travel, we only pack the things we love,&quot; she says. &quot;The result is the feeling of lightness and endless possibility. Take that same concept into how you 'pack your home' &mdash; only keeping things suitable for your next great adventure.&quot;</p> <p>While I'm fairly good at purging my belongings when I no longer have use for them, I do still retain some of my hoarding roots (especially when it comes to clothing), a trait likely inherited from my parents who really enjoy their &quot;stuff.&quot; It's a habit that can be broken, however, if you can see the value all around &mdash; literally and figuratively.</p> <h2>2. It's Okay to Buy Generic</h2> <p>We never, ever bought anything generic in my house growing up, and I shop similarly today. I justify my brand-name-only purchases with the philosophy that these brands are popular and famous because their products are superior. In some cases that's true, but not always. Which is why I use my judgment when deciding what to buy generic and what to splurge on. I buy store-brand pantry staples, for instance, like flour, sugar, and spices, as well as meat and other proteins. As much as I can, I try to use coupons on brand names to hopefully bring the cost down to where the generic brand would be. Makes me feel better, at least.</p> <h2>3. Why Multi-Purpose Purchases Are Important</h2> <p>We had plenty of space in my home growing up, with an attic and a basement, so there wasn't a real need for furniture and other items that pulled double duty. I had to learn how to make the most of very small amounts of space when I moved out on my own, especially when I moved to New York City. After living in urban areas for nearly a decade, I've conditioned myself to shop for those two- or three-pronged products, like pullout sofas, storage benches, and appliances that can perform several functions.</p> <h2>4. There's No Shame in Using Coupons</h2> <p>Until very recently, my parents didn't use coupons when shopping for groceries, and I tried to get away with coupon-free shopping when I first struck out on my own. Admittedly, I didn't get very far. Like my parents, lots of folks don't use coupons for many reasons &mdash; they don't feel like hunting them down and clipping them, for instance, or they think that somehow using them makes you look like a cheapskate. Nonsense. Take it from me &mdash; the coupon king &mdash; that saving your hard-earned money on necessities like food so you have enough to pay for necessities like shelter and heat isn't being a cheapskate; it's being smart. So to hell with what other people think about how you spend your money.</p> <h2>5. How to Determine What You Need Versus What You Want</h2> <p>Yes, I'm a personal finance expert, but I'm also an avid consumer and major supporter of capitalism, which means that I can sometimes succumb to impulse buys because I think I have to have something. But when I started spending my own money on all the things I thought I'd just die without (that my parents previously bought for me), I had to step back and re-evaluate the situation. As such, I've gotten pretty good over the past 17 years that I've been financially independent, like choosing gas for my vehicle over a new pair of Nikes.</p> <h2>6. To Proceed With Extreme Caution With Credit Cards</h2> <p>Like many families, mine didn't talk about finances. My parents went to work, made the money, and we magically had everything we needed. I honestly have no idea how many credit cards they had, how much debt they were in, if they had any money in their savings accounts &mdash; so on and so forth. And I'm probably correct in assuming that you grew up similarly. Which is in part why as I became an adult, I had no idea how to manage my own money &mdash; especially when it came to credit cards. Long story short, I maxed mine out within six months of receiving them, and it took me <em>yeeeeears </em>to pay them off. Now I use credit the proper way &mdash; as an extension of the money I already have, not a put-it-off-until-you-have-it loan from the Money Gods. (See also: <a href="http://www.wisebread.com/12-habits-of-highly-responsible-credit-card-users?ref=seealso">5 Habits of Responsible Credit Card Users</a>)</p> <h2>7. How Vocational Skills Will Save You a Ton of Money</h2> <p>In all fairness, my dad tried to teach me how to fix various issues on my car as a teenager, but I just wasn't interested. As a result, now I have to pay the friendly mechanics at my neighborhood auto shop more often than I'd like. But it's not just auto skills I wish I had learned. I could've benefitted from a wealth of vocational skills, from home improvement projects to yard maintenance to electronics repair, that would have saved me a ton of money thus far and perhaps made me some if I were enterprising enough to monetize my skills.</p> <h2>8. How to Comparison Shop</h2> <p>I'll give my parents a break on this one, because when I was a kid, it wasn't an easy task to comparison shop. In fact, I think we've all learned how to do this together over the past decade or so since the Internet has made it easier. Either way, I'm a pro at it now. My new goal is to teach myself how to do it more efficiently instead of spending hours investigating the best price. How about you?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">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-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</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/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-your-kids-contribute-to-family-money-goals">Should Your Kids Contribute to Family Money Goals?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-use-google-alerts-to-save-money">6 Ways to Use Google Alerts to Save 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/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family advice coupons financial literacy independence kids money lessons parents saving money shopping skills spending Fri, 09 Dec 2016 11:30:08 +0000 Mikey Rox 1849986 at http://www.wisebread.com 5 Great Retail Jobs for Working Parents http://www.wisebread.com/5-great-retail-jobs-for-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-great-retail-jobs-for-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/iStock-458589277.jpg" alt="Costco is a good place for parents to work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>'Tis the season, as in, the 4th quarter of the calendar year! That magical time when seasonal retail employees are needed the most, and hired en masse to meet the demand from Black Friday through January. If you have kids, try these five great retail gigs for working parents.</p> <h2>1. Patagonia</h2> <p>The best retailer for working parents could very well be Patagonia, the clothing and gear brand beloved by trekkers and puffy-vest fans everywhere. Why? They have <a href="http://time.com/money/4546719/patagonia-onsite-child-care/">free on-site child care</a> for employees. You read that right! This also means that 100% of employees return to their post after their maternity leave.</p> <p>So how do you climb your way into that gig? Well, it's not so much a seasonal gig as it is a job in their headquarters, which is in Ventura, CA. Not such a bad relocation, though.</p> <h2>2. Lands' End</h2> <p>In similar step with Patagonia, another purveyor of outdoorsy goods Lands' End also provides lots of benefits to workers. In addition to many citing its company culture as safe, fair, and open, they also boast some competitive benefits, including: <a href="http://www.landsend.com/jobs/life-at-lands-end/real-benefits/">health insurance</a>, 401K, subsidized on-site food services, a wellness center &ndash;&ndash; all great benefits for parents. Time to apply for a position now!</p> <h2>3. Wegmans</h2> <p>That's right, the supermarket chain known across the East Coast for great food and service is also a great employer. Wegmans is number four on the <a href="http://fortune.com/best-companies/wegmans-food-markets-4/">Best Companies to Work For list in 2016</a>. </p> <p>Why are they so great? Wegmans covers 85%-100% of employees' and their dependents health insurance. Many employees are even offered dental insurance. Plus, if you're a college student, they help <a href="https://jobs.wegmans.com/benefits">pay your tuition</a>. If you live in the Northeast and are looking for a job, this would be a good one. Plus, they make really delicious doughnuts.</p> <h2>4. Staples</h2> <p>Need a chain store with more locations, and most likely to be near your home? Staples is a very good option. </p> <p>Staples employees get an Aetna <a href="http://www.stapleslivewell.com/SitePages/Welcome.aspx">health insurance plan</a> for a deduction of $30 per paycheck, or $60 for those with dependents. Workers also get short-term disability insurance, and access to a service that can pair them with financial services and child care. Not too shabby!</p> <h2>5. Costco</h2> <p>If it wasn't already hard to avoid spending money at Costco, everyone's favorite bulk-everything retailer is also famously good to its employees. <a href="https://www.costcobenefits.com/">Employee perks</a> for America's second-largest retailer include: choosing your own health plan if you work over 24 hours per week, a 401K plan, an FSA account to use <a href="http://www.wisebread.com/dont-miss-out-on-this-easy-way-to-pay-for-child-care">pretax income for child care</a>, and an employee care program that includes access to mental health, and financial professionals.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/5-great-retail-jobs-for-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-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">6 Side Jobs for People Who Are Good With Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-reasons-paid-parental-leave-is-essential-for-moms-and-dads">5 Financial Reasons Paid Parental Leave Is Essential for Moms and Dads</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/11-retail-gigs-that-pay-well-and-offer-benefits">11 Retail Gigs That Pay Well and Offer Benefits</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/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Family Job Hunting benefits employers insurance part-time job retail retail job side gig side jobs working parent Thu, 01 Dec 2016 11:30:11 +0000 Amanda Meadows 1844262 at http://www.wisebread.com The 5 Best Pet Cameras http://www.wisebread.com/the-5-best-pet-cameras <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-cameras" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/puppy_camera_465470720.jpg" alt="Puppy using the best pet cameras" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you feel bad about leaving your pet alone, then a pet camera can ease the separation anxiety. It will allow you to keep an eye on your pet at all times, and you may even be able to play with them or give them treats while you&rsquo;re away (depending on the camera you choose).</p> <h2>What Is a Pet Camera?</h2> <p>A pet camera offers a fun, easy way to interact with your furry friend anywhere, anytime. The remote camera can turn your smartphone, tablet, or computer into a comprehensive video monitor. It can provide peace of mind for both you and your pet. It&rsquo;s an absolute must-have for any worried pet owner.</p> <h2>Top 5 Pet Cameras</h2> <h3>Petzi Treat Cam: Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fA3olW"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petzi.jpg" width="169" height="245" align="right" alt="" /></a>If your pet doesn&rsquo;t like to be left alone, then the <a href="http://amzn.to/2fA3olW">Petzi Treat Cam: Wi-Fi Pet Camera &amp; Treat Dispenser</a> can help ease their anxiety. The high-quality audio and video allow you to see and speak to your pet using your smart device. The interactive wide-angle camera features night vision. It can also snap a picture, which you can share on social media. You can even treat your pet anytime with the treat launcher.</p> <p>This was crowdfunded on Indiegogo and is easy to use. It has multiple mounting options, so you can place it on the floor or secure it to a wall. It has great online reviews and is recommended by Digital Trends, Safewise, and Heavy. Gizmodo only recommends purchasing this for easily amused pets.</p> <p><a href="http://amzn.to/2fA3olW"><em>Currently $149.99 on Amazon</em></a></p> <h3>Petcube Camera</h3> <p><a href="http://amzn.to/2gh3mhO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petcube.jpg" width="245" height="201" align="right" alt="" /></a>The <a href="http://amzn.to/2gh3mhO">Petcube Camera</a> will allow you to see and chat with your pet using two-way audio. The high-quality interactive WiFi camera features a 138-degree wide-angle lens and motion- and sound-detection capabilities. You can also capture and share photos and video clips. The compact camera features a sleek, elegant design with brushed aluminum and curved corners. The built-in laser toy allows you to play with your pet anytime, or you can set the autoplay mode for extra playtime. You can even share access with family and friends, in case you don&rsquo;t have time to check on your pet while you&rsquo;re away.</p> <p>If you sign up for a subscription, you can review up to 30 days of video history (a free month trial is included). This was crowdfunded on Kickstarter and is easy to use. It has great online reviews and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh3mhO"><em>Currently $139.60 on Amazon</em></a></p> <h3>Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</h3> <p><a href="http://amzn.to/2gh9U08"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pet%20scout.jpg" width="245" height="214" align="right" alt="" /></a>The <a href="http://amzn.to/2gh9U08">Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</a> allows you to monitor your pet and home at the same time. The cloud-based monitoring camera offers remote HD quality real-time video streaming and two-way audio communication with a high sensitivity microphone. You can also receive motion- and sound-triggered notifications to put your mind at ease thanks to the motion-triggered recording and image snapshots. It also features a temperature monitor and infrared night vision mode, so that you can better monitor your home while you&rsquo;re away.</p> <p>With a subscription, you can sign up for motion-triggered recorded video, which logs up to 30 days of activity. This offers a quick and easy setup, so you can begin using it within seconds. It has great online results and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh9U08"><em>Currently $77.67 on Amazon</em></a></p> <h3>Pawbo Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fJetwk"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pawbo.jpg" width="132" height="245" align="right" alt="" /></a>The interactive <a href="http://amzn.to/2fJetwk">Pawbo Wi-Fi Pet Camera Wireless Pet Treat Cam and Treat Dispenser</a> allows you to video chat with your pet, no matter where you may be. The interactive camera features a 110-degree ultra-wide camera lens, snap shot function, video recording capabilities, and two-way communication. It has multiple sound effects and a built-in interactive laser pointer with manual and automatic modes, so you can play with your pet while you&rsquo;re away. The treat dispensing system also allows you to treat your pet anytime. It also allows you to post pictures directly to your social media accounts.</p> <p>This has a modern, minimalist design and a quick, simple setup. It is recommended by Safewise and has outstanding online reviews. It is also backed by a 12-month warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2fJetwk"><em>Currently $199.00 on Amazon</em></a></p> <h3>PetChatz HD Pet Camera</h3> <p><a href="http://amzn.to/2gGHue2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petchatz.jpg" width="245" height="174" align="right" alt="" /></a>If you want to call your pet while you&rsquo;re away, then the <a href="http://amzn.to/2gGHue2">PetChatz HD Pet Camera</a> is perfect for you. With the advanced interactive capabilities, you can call your pet using two-way audio and video. The quality interactive camera is built to last and offers clear sound and image. You can watch your pet from your computer, tablet, or smartphone, and the sound and motion detection will alert you of any activity. It also dispenses treats and releases a soothing scent to diffuse separation anxiety. Over time, your pet should associate the treats and scent with your video chat.</p> <p>The pet-safe design has no corners, edges, or cords. It is easy to setup and has helpful customer service if you have any trouble. It attaches securely to your wall as a fully contained unit. It has great online reviews and is recommended by Safewise and Heavy.</p> <p><a href="http://amzn.to/2gGHue2"><em>Currently $369.00 on Amazon</em></a></p> <p>And those are our recommendations for the best pet cameras. 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-pet-cameras">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</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-infant-nail-clippers">The 5 Best Infant Nail Clippers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-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-power-surge-protectors">The 5 Best Power Surge Protectors</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping Technology 5 best cameras pet camera product reviews shopping tech tech gadgets Wed, 30 Nov 2016 11:30:07 +0000 Andrea Cannon 1844374 at http://www.wisebread.com 8 Old Holiday Traditions We Can't Believe Ever Existed http://www.wisebread.com/8-old-holiday-traditions-we-cant-believe-ever-existed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-old-holiday-traditions-we-cant-believe-ever-existed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-157689386.jpg" alt="we can&#039;t believe these old holiday traditions" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/8-old-holiday-traditions-we-cant-believe-ever-existed">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-holiday-pet-dangers-to-avoid">11 Holiday Pet Dangers to Avoid</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/18-diy-christmas-ornaments-that-are-better-than-store-bought">18 DIY Christmas Ornaments That Are Better Than Store Bought</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/15-cheap-and-delicious-punch-recipes-for-holiday-parties">15 Cheap and Delicious Punch Recipes for Holiday Parties</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/14-frugal-christmas-decorating-hacks">14 Frugal Christmas Decorating Hacks</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-thanksgiving-traditions-you-should-skip">5 Thanksgiving Traditions You Should Skip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Home Christmas feast frugal living holiday traditions Holidays religion Thanksgiving traditions Tue, 22 Nov 2016 10:00:08 +0000 Carrie Kirby 1837833 at http://www.wisebread.com 7 Frugal Living Skills You Should Be Teaching Your Children http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-frugal-living-skills-you-should-be-teaching-your-children" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kid_education_money_45175586.jpg" alt="Kid learning frugal living skills from parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all want to pass our frugal living skills on to our kids, but what lessons are most important? How specific should we get? How soon should we start? Don't sweat the details. Sometimes the most important frugal living skills aren't financial skills at all &mdash; they're life skills that serve us well in dozens of ways. Here are seven frugal living skills you should be teaching your children, no matter how young or old they are.</p> <h2>1. Patience</h2> <p>The ability to delay gratification is the foundation of frugality. It gives us space to mentally separate our needs from our wants, time to find the best deals, and &mdash; most importantly &mdash; a chance to let momentary impulses pass us by.</p> <p>As with most lessons, patience is easier to embrace when taught early. For items your kids want, build in wait times that are dependent on their own effort (grades, chores around the house, or progress toward their own personal goals). If their wants change during that time, which is inevitable with children, complete the lesson by pointing out how the slight delay translates into dollars saved. (See also: <a href="http://www.wisebread.com/8-ways-being-patient-saves-you-money?ref=seealso">8 Ways Being Patient Saves You Money</a>)</p> <h2>2. Self-Confidence</h2> <p>Here's the dirty little secret that keeps our consumer culture thriving: Advertisers and marketers hate personal confidence and they do everything in their power to knock our self-image off kilter. Every day, we face a barrage of neuroses-inspiring messages that tell us we have the wrong car, wrong clothes, dull hair, bad breath, and hopelessly yellow teeth.</p> <p>Instilling a strong sense of self-confidence can help kids avoid falling victim to these messages for the rest of their lives &mdash; and sacrificing a large part of their personal wealth in the process. Seize every opportunity to reinforce the idea that your kids are fine just the way are and model that truth yourself. Then, when age-appropriate, pull back the advertising curtain. Point out how commercial messages are artfully crafted to make us all spend more than we should by making us all feel less than we are. (See also: <a href="http://www.wisebread.com/3-ways-confidence-makes-you-better-with-money?ref=seealso">3 Ways Confidence Makes You Better With Money</a>)</p> <h2>3. Collaboration</h2> <p>In our hyper-consumer culture, collaborating and sharing are revolutionary acts because they slightly erode the need for more. Why buy your own lawn mower if you can borrow one from a close neighbor? Likewise, why should your neighbor buy a snowblower if he can use yours a few times a year?</p> <p>Encourage sharing at an early age by helping your kids develop strong communication skills, showing them how to make and honor agreements, and teaching them how to be good stewards of what they (and others) own.</p> <h2>4. Creativity</h2> <p>Making do with less takes creativity and ingenuity. It's how the moms and dads of yesteryear stretched meals, made new clothes from old, bartered for goods, and kept life going on what was often a shoestring budget. Foster your children's imagination with free-form toys, unstructured play, and arts and crafts &mdash; anything that gets them moving, thinking, and exploring new ideas.</p> <h2>5. Negotiation</h2> <p>Knowing how to negotiate on price, payment terms, and extras can save a person thousands of dollars over a lifetime. Teach <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master">essential negotiation skills</a> by example; take your kids with you to flea markets, yard sales, and the used car lot &mdash; any venue where a bit of friendly haggling is expected. Show them how to use to research to their advantage, develop a rapport with sellers, and be fair but fearless in what they ask for.</p> <h2>6. Contentment</h2> <p>Much like low self-confidence, discontentment moves product. Keeping consumers in a constant state of desire is how retailers sell us more than what we need. To complicate matters, teaching children to be content is tricky business in America because we're all afraid of sapping their motivation. While encouraging kids to strive for more is important, make it less about things and money. Instead, help them focus on achieving their personal goals, expanding their experiences, appreciating the moment, and building rich friendships.</p> <h2>7. Individuality</h2> <p>In a world where consumerism and consumer debt is a way of life, choosing a different path takes a steely sense of self. Promoting a spirit of individuality in children helps them cope with &mdash; and even celebrate &mdash; being different. Point out how your family's own spending and saving habits go against the grain and don't be afraid to show the benefits (monetarily and otherwise) of your simpler, saner lifestyle. It will serve them well for the rest of their lives.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children">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-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</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/should-your-kids-contribute-to-family-money-goals">Should Your Kids Contribute to Family Money Goals?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family children family frugal living lessons life lessons money lessons parenting parenting tips skills Tue, 15 Nov 2016 09:00:08 +0000 Kentin Waits 1833153 at http://www.wisebread.com