Family http://www.wisebread.com/taxonomy/term/4566/all en-US 4 Effortless Ways to Save on Back-to-School Shopping http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-effortless-ways-to-save-on-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_in_the_supermarket.jpg" alt="Family in the supermarket" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The summer flies. With all of our vacation plans and summer camps for the kids, we will be prepping for back-to-school shopping again before we know it. If just the thought of that makes you tired, here are some very easy things you can do now to save money, time, and effort on buying new clothes and school supplies for the kiddos. (See also: <a href="http://www.wisebread.com/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks?ref=seealso" target="_blank">Save Hundreds on Back to School Shopping with These Credit Card Tricks</a>)</p> <h2>Get your list together now</h2> <p>The worst thing to do is to go shopping without a list, or while you're stressed. It leads to overspending and impulse buying. This goes for back-to-school shopping as much as it goes for grocery shopping.</p> <p>Take a little time this summer to dig through the closets. What needs to be donated? What can be fixed up with a little mending? Take a look at what remains, and make your list from there. This way you can keep an eye out during the remaining summer months for any deals, and pace your spending without feeling panicked. (See also: <a href="http://www.wisebread.com/6-back-to-school-shopping-hacks-for-big-savings?ref=seealso" target="_blank">6 Back-to-School Shopping Hacks for Big Savings</a>)</p> <h2>Get Honey</h2> <p><a href="https://www.joinhoney.com/" target="_blank">Honey</a> is a browser extension that compiles discount codes and coupons while you're shopping online that apply directly to the items you're buying with one simple click. It's easy to use, free, and a snap to install. (See also: <a href="http://www.wisebread.com/these-apps-and-extensions-find-online-deals-for-you-automatically?ref=seealso" target="_blank">These Apps and Extensions Find Online Deals for You &mdash; Automatically</a>)</p> <h2>Keep tabs on Amazon with Keepa</h2> <p>If you're a loyal Amazon shopper, <a href="https://keepa.com/#!" target="_blank">Keepa</a> is your shopping buddy. This browser extension easily helps you track the prices of items on Amazon and provides an opportunity to set up alerts and notifications for price drops on items that interest you. By setting up Keepa now, you'll be several steps ahead when back-to-school shopping arrives. You'll also be confident that you're getting the best prices.</p> <h2>Cash in on your credit card rewards</h2> <p>Credit card companies love when you use your points to buy gift cards. They get them at a discounted rate from retailers because they buy in bulk, and they pass on a portion of that savings to you. This means you pay below face value for the gift cards when you use your credit card points to buy them. Sometimes that savings is very significant &mdash; as much as a 50 percent discount off the face value.</p> <p>If there are specific stores where you know you'll do your back-to-school shopping, get their gift cards through your credit card rewards program to get the best deal. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=seealso" target="_blank">The Best Credit Cards for Back to School Shopping</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping">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-8-best-ways-to-save-on-back-to-school-supplies-right-now">The 8 Best Ways to Save on Back-to-School Supplies Right NOW</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-its-better-to-buy-at-the-last-minute">6 Things It&#039;s Better to Buy at the Last Minute</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/3-smart-ways-to-save-on-fathers-day">3 Smart Ways to Save on Father&#039;s Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-unusual-stores-where-you-can-find-great-bargains">9 Unusual Stores Where You Can Find Great Bargains</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping back-to-school back-to-school shopping saving money shopping discounts shopping tips Mon, 24 Jul 2017 08:30:15 +0000 Christa Avampato 1988460 at http://www.wisebread.com Ask the Readers: Do You Live in a Multi-Generational Household? http://www.wisebread.com/ask-the-readers-do-you-live-in-a-multi-generational-household <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-live-in-a-multi-generational-household" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_family_kitchen_639196598.jpg" alt="Women living in a multigenerational household" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Angie, Rodora, and Robin for winning this week's contest!</em></p> <p>Multigenerational households &mdash; where more than two generations live under the same roof &mdash; have become increasingly common in recent years. For many families, it just makes financial sense: household costs can be shared with more people, grandparents can help care for young children or, on the flip side, adult children can help care for elderly parents.</p> <p><strong>Do you live in a multigenerational household &mdash; or have you ever?</strong> What benefits have you enjoyed while living with multiple generations of family? What are some of the challenges you have faced, and what advice would you give to someone considering moving into a multigenerational household?</p> <p>Tell us if you live in a multigenerational household and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa307/" rel="nofollow" data-raflid="79857dfa307" data-theme="classic" data-template="" id="rcwidget_5wsl42uo">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, July 10th at 11:59 p.m. Pacific. Winners will be announced after July 10th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us if you live in a multigenerational household and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-live-in-a-multi-generational-household">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/ask-the-readers-share-your-best-parenting-tips-stories-100-prize">Ask the Readers: What&#039;s Your Favorite Childhood Memory? (Win $100)</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/ask-the-readers-is-a-penny-saved-really-a-penny-earned">Ask the Readers: Is a Penny Saved Really a Penny Earned?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-do-you-look-forward-to-tax-time-your-chance-to-win-20">Ask the Readers: Do You Look Forward to Tax Time? (Your Chance to win $20!)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-about-money-dont-you-know-chance-to-win">Ask the Readers: What About Money DON&#039;T You Know? (Chance to Win!)</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/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Giveaways Ask the Readers multigenerational Tue, 04 Jul 2017 08:30:08 +0000 Ashley Jacobs 1975332 at http://www.wisebread.com How to Have a Fun Family Road Trip Without Breaking Your Budget http://www.wisebread.com/how-to-have-a-fun-family-road-trip-without-breaking-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-have-a-fun-family-road-trip-without-breaking-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_s_road_trip.jpg" alt="Family&#039;s road trip" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've got your budget-friendly destination. You found the best hotel rate. You've got activities and meals in mind that won't eat up your savings. But what about the expense of the actual travel? From snacks to fuel to entertainment to handling the unexpected, these tips will help you keep costs low while you're on the road.</p> <h2>Be strategic with fuel</h2> <p>There's not much you can do to control the cost of fuel, but you can make sure your vehicle is <a href="http://www.wisebread.com/11-smart-ways-to-boost-your-gas-mileage?ref=internal" target="_blank">as fuel-efficient as possible</a>. The best way to do that is to keep your car well maintained. Keep up with regular oil changes and tire alignment, and your car will run cleaner, cooler, and have less drag.</p> <p>Also, don't wait until your tank is on empty and you're forced to use the nearest gas station. Instead, use a service like <a href="http://www.gasbuddy.com" target="_blank">GasBuddy</a> to find nearby gas stations with the best fuel prices. Plan your stops accordingly; if you're traveling with young kids, chances are one of them will need to use the restroom, anyway. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-road-trips?ref=seealso" target="_blank">Best Credit Cards for Road Trips</a>)</p> <h2>Pack snacks and beverages</h2> <p>The most cost-efficient way to have plenty of snacks on a road trip is to bring your own. You can't be sure what fast food joint or gas station offers will be available. And how much beef jerky can you eat before you start to regret it? Buy or make your family's <a href="http://www.wisebread.com/24-easy-to-make-grab-and-go-snacks?ref=internal" target="_blank">favorite snack foods</a> in bulk before you leave, then package into single servings. Choose snacks that make the least possible mess. It's much easier to vacuum up crumbs than it is to clean gummy, sticky stains from car upholstery.</p> <p>Water is the best beverage for road trips. Take a cooler with ice and a couple of one-gallon jugs filled with fresh water. Refill individual bottles as needed. Juice, tea, or soda will lead to endless needs for bathroom breaks. Coffee, of course, fuels many drivers, as well. I prefer to start the journey with my own home-brewed coffee in my travel mug. You can also pick up coffee to go from any restaurant or gas station for very little. (See also: <a href="http://www.wisebread.com/these-15-road-trip-snacks-make-it-all-about-the-journey?ref=seealso" target="_blank">These 15 Road Trip Snacks Make It All About the Journey</a>)</p> <h2>Bring on-the-go entertainment</h2> <p>The biggest challenge for road trips with children is keeping them entertained. As with food, bringing your own entertainment options from home saves time and money.</p> <p>You don't need special items for road trip entertainment; you just need portable options. Mess-free art materials are great: colored pencils, washable markers, and sketchbooks. Download a selection of audiobooks before you go; <a href="https://librivox.org/" target="_blank">Librivox</a> offers hundreds for free. Update your music playlists, and download movies for them to watch on tablets you bring along. (See also: <a href="http://www.wisebread.com/9-things-you-must-do-if-youre-traveling-with-kids?ref=seealso" target="_blank">9 Things You Must Do If You're Traveling With Kids</a>)</p> <h2>Travel based on time of day</h2> <p>The best time of day to travel depends on time of the year, personal preference, destination, and the length of the trip. Many parents of young children find it easier to travel at night, when the kids will sleep for most of the way. That's a great option if the driver can stay awake.</p> <p>During the summer, driving at night can also keep the temperature lower, meaning less stress on the engine and better fuel efficiency. The calculable savings is minimal, so compare it to the increased coffee you'll require to drive all night before you make a decision.</p> <p>The other factor to consider is traffic. If your timing will have you entering a major city at rush hour, change it. Leave earlier, leave later, or plan an extended rest stop along the way. Sitting in traffic is uncomfortable and stressful, and the stop-and-go movement is hard on your car and fuel efficiency.</p> <h2>Prep for travel emergencies</h2> <p>Take <a href="http://amzn.to/2sdUPDD" target="_blank">baby wipes</a>. I cannot stress enough how handy, no, <em>how essential</em> a pack of baby wipes is in any car. Don't have a baby? Doesn't matter. Baby wipes will save the day in so many ways.</p> <p>Coffee spill? Baby wipe. Messy face? Baby wipe. No napkins from the takeout place? Baby wipes. Smelling a little less-than-fresh after eight hours on the road? Baby wipes.</p> <p>A <a href="http://www.wisebread.com/the-5-best-first-aid-kits" target="_blank">first aid kit</a> is essential, too. Buy a pre-packed one, or <a href="http://www.wisebread.com/6-items-you-might-have-forgot-in-your-emergency-kit?ref=internal" target="_blank">make your own</a> and keep it in the car. You can include the essential items you know you'll use the most, as well as any specialized care items you might need.</p> <p>The other item that can save you from excess stress and cost is a car emergency kit. You should have the supplies to change a tire as well as a spare tire, flares, and jumper cables. It's helpful to have a <a href="http://amzn.to/2tj2cd0" target="_blank">flashlight</a> and basic tools on hand, as well. I've found it's also helpful to have someone who's adept at changing tires. (See also: <a href="http://www.wisebread.com/the-5-best-jump-starter-kits?ref=seealso" target="_blank">The 5 Best Jump Starter Kits</a>)</p> <p>Regardless of your skill level, though, preparation can save you in many ways. When you're prepared with snacks, entertainment, and emergency supplies you'll spend less and be more relaxed. That makes for a much better road trip.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-have-a-fun-family-road-trip-without-breaking-your-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Have%2520a%2520Fun%2520Family%2520Road%2520Trip%2520Without%2520Breaking%2520Your%2520Budget.jpg&amp;description=How%20to%20Have%20a%20Fun%20Family%20Road%20Trip%20Without%20Breaking%20Your%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Have%20a%20Fun%20Family%20Road%20Trip%20Without%20Breaking%20Your%20Budget.jpg" alt="How to Have a Fun Family Road Trip Without Breaking Your Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/how-to-have-a-fun-family-road-trip-without-breaking-your-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-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-affordable-family-getaways-when-you-dont-have-a-vacation-fund">7 Affordable Family Getaways When You Don&#039;t Have a Vacation Fund</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-cheap-ways-to-entertain-your-kids-this-summer">6 Cheap Ways to Entertain Your Kids This Summer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</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-ways-using-credit-can-help-you-enjoy-a-cheaper-safer-summer-vacation">7 Ways Using Credit Can Help You Enjoy a Cheaper, Safer Summer Vacation</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-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Travel family vacation frugal travel road trip saving money summer vacation travel vacation tips Thu, 29 Jun 2017 09:00:10 +0000 Annie Mueller 1974320 at http://www.wisebread.com The 5 Best Baby Carriers http://www.wisebread.com/the-5-best-baby-carriers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-baby-carriers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_baby_carrier_614211300.jpg" alt="Woman using best baby carriers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Baby carriers are a must-have for any new parent. They are ideal for travel or anytime you need to complete errands with baby in tow.</p> <h2>What is a baby carrier?</h2> <p>A baby carrier consists of a backpack- or wrap-style carrier that allows you to carry your baby around anywhere you go. It can be worn on your chest or back. It can free up your hands so you can get things done while your baby rests comfortably.</p> <p>There are endless styles, designs, and options to choose from, so you should look for a carrier that is comfortable, durable, and easy to use. Ideally, you&rsquo;ll want to find a carrier that can adjust to fit your baby as they grow for optimal comfort and a better value.</p> <h2>Top 5 baby carriers</h2> <h3>Ergobaby 360 Ergonomic Baby Carrier</h3> <p><a href="http://amzn.to/2tn3RxM" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ergobaby.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2tn3RxM" target="_blank">Ergobaby 360 Ergonomic Baby Carrier</a> offers four ergonomic carry positions, including front-inward, front-outward, hip, and back. It features adjustable head support, an adjustable ergonomic bucket seat, padded shoulder straps, and tuck-away 50+ UPF hood for sun protection and privacy. The wide, adjustable, supportive Velcro waistband transfers most of the weight to your hips for better lower back support, so both you and your baby are comfortable. It supports infants up to 33 pounds, with the use of an infant insert (sold separately). It is machine washable, comfortable, easy to use, and allows you to breast-feed in the carrier.</p> <p>This is available in a range of colors and designs. It is designed to last for longer than other carriers, so it will provide a better value. The International Hip Dysplasia Institute deems this an ergonomic, hip healthy carrier with the baby supported in a natural M-shape position. It is recommended by BabyList, BabyGearLab, and various mommy blogs. It is a BabyCenter &ldquo;2017 Mom&rsquo;s Pick&rdquo; and the brand is recommended by Consumer Reports. It also has hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2tn3RxM" target="_blank"><em>Currently $159.00 on Amazon</em></a></p> <h3>Boba Baby Wrap</h3> <p><a href="http://amzn.to/2tmFkZC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/boba.jpg" width="178" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in child carrier slings, the <a href="http://amzn.to/2tmFkZC" target="_blank">Boba Baby Wrap</a> is ideal for front and infant hold. The wrap-style carrier offers simple no-guess tying, so there are no buckles, straps, or snaps to worry about. The soft, stretchy material offers flexibility, support, and shape retention, along with hassle-free, hands-free nursing. It won&rsquo;t sag with all-day use and is easy to pack up and store. It is supportive from every angle and conforms to your child for a custom fit as they grow.</p> <p>It holds babies from newborn up to 35 pounds. It offers great hands-free availability for the multi-tasking parent. It is machine washable, easy to use, and comfortable for both the parent and baby. It is available in a range of colors and includes a cloth drawstring carrying sack. It is a BabyCenter &ldquo;2017 Mom&rsquo;s Pick&rdquo; and is recommended by various mommy blogs, like The Bump. It gets rave reviews from parents with fussy babies because the womb-like carrier can soothe your newborn with your voice and heartbeat. It is also backed by over 1,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2tmFkZC" target="_blank"><em>Currently $39.95 on Amazon</em></a></p> <h3>Infantino Flip Advanced 4-in-1 Convertible Carrier</h3> <p><a href="http://amzn.to/2tmDoRf" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/infantino.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in soft baby carriers, the <a href="http://amzn.to/2tmDoRf" target="_blank">Infantino Flip Advanced 4-in-1 Convertible Carrier</a> offers a convertible ergonomic seat that can easily adjust to grow with your child. It can comfortably accommodate infants up to 32 pounds. The four carrying positions include facing-in narrow seat, facing-in wide seat, facing-out narrow seat with head control, and back carry wide seat. It features a padded head support, adjustable padded shoulder straps, sturdy buckles and stitching, and a supportive waist belt that evenly distributes the weight for better long-term wearability. It is easy to strap on and off, machine washable, and offers great hands-free availability for multi-tasking parents.</p> <p>The carrier includes the Clever Wonder cover 2-in-1 bib to protect your carrier and clothing. It is Amazon&rsquo;s Choice for baby carriers and is a BabyCenter &ldquo;2017 Mom&rsquo;s Pick.&rdquo; It has more than 400 five-star reviews on Diapers.com and hundreds of five-star reviews on Amazon. The <a href="http://amzn.to/2tra2l9" target="_blank">Infantino Swift Classic Carrier</a> is another affordable best-seller from the trusted brand.</p> <p><a href="http://amzn.to/2tmDoRf" target="_blank"><em>Currently $24.88 on Amazon</em></a></p> <h3>BABYBJORN Baby Carrier Original</h3> <p><a href="http://amzn.to/2tr7XFw" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/babybjorn.jpg" width="175" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2tr7XFw" target="_blank">BABYBJORN Baby Carrier</a> offers two ergonomic carrying positions: inward or outward facing. The two-piece design and front adjustments allow you to easily put it on yourself and transport a sleeping baby. It holds your baby upright in an ergonomically correct carrying position and the color-coded buckles and safety click ensure that you fasten the carrier correctly. It is also easy to adjust to your growing child with the size adjustment buckle.</p> <p>It is ideal from newborn up to 25 pounds, with no inserts required. The firm, adjustable head support folds down and can provide your baby with the correct head and neck support. The shoulder straps also evenly distribute weight for maximum comfort. It is machine washable, lightweight, comfortable, and easy to use.</p> <p>More than 30 million babies have been held in BABYBJORN carriers for a reason. This carrier was developed with pediatricians to ensure the proper support for baby's head, neck, back, and hips, so you can rest assured that it is safe for use. It features safe fabrics and materials that are harmless for your baby to chew on. It is recommended by BabyList and has close to 1,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2tr7XFw" target="_blank"><em>Currently $51.12 on Amazon</em></a></p> <h3>Ergonomic Baby and Child Carrier by LILLEbaby</h3> <p><a href="http://amzn.to/2tqYMVQ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lillebaby.jpg" width="181" height="245" align="right" alt="" /></a>The versatile <a href="http://amzn.to/2tqYMVQ" target="_blank">Ergonomic Baby and Child Carrier by LILLEbaby</a> is designed to be comfortable for both you and your baby. The six-in-one baby carrier has an adjustable headrest, sleeping hood for protection and privacy, zippered pocket, dual adjustment buckles, and generous padding. The six ergonomic positions include front inward (fetal, infant, or toddler settings), front outward, hip, and back. The patented convertible seat provides customized, hip healthy seating in all six carry positions. You can easily control baby&rsquo;s temperature with the exclusive temperature control panel, which zips down to reveal cool, breathable 3D mesh.</p> <p>The two-way adjustable elastic straps provide additional support and simplify breast-feeding. You can also choose to wear the padded straps crossed X-style or backpack H-style. The unique lumbar support offers a more comfortable fit and prevents lower back strain. The supportive waist belt evenly distributes the weight for maximum comfort. It&rsquo;s lightweight, machine washable, built for daily use, and designed to last longer than other carriers. It also grows with your child from newborn to 45 pounds, with no insert required.</p> <p>This is available in endless colors and designs. The International Hip Dysplasia Institute deems this an ergonomic, hip healthy carrier offering optimal support and positioning. The award-winning carrier is recommended by Parenting Magazine and BabyGearLab, and has hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2tqYMVQ" target="_blank"><em>Currently $139.99 on Amazon</em></a></p> <p>And those are our recommendations for the best baby carriers. 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> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-baby-carriers&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Baby%2520Carriers.jpg&amp;description=The%205%20Best%20Baby%20Carriers"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Baby%20Carriers.jpg" alt="The 5 Best Baby Carriers" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-baby-carriers">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/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-diaper-bags">The 5 Best Diaper Bags</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-pet-collars">The 5 Best Pet Collars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping 5 best baby carrier baby carriers baby products product reviews shopping Thu, 29 Jun 2017 08:00:13 +0000 Andrea Cannon 1974563 at http://www.wisebread.com 7 Life Skills Your Kids Won't Learn in School http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-life-skills-your-kids-wont-learn-in-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_girl_glasses_483686789.jpg" alt="Girl learning life skills outside of school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>During my freshman year of college, there was a young man in my dorm whose mother would do his laundry for him whenever she came to visit. While this beleaguered mother did not plan on being her son's part-time laundry service, she was so horrified by the state of his unwashed clothes that she felt like she had to do his laundry for him. Considering the fact that she only visited a couple of times over the course of that academic year, I can sympathize with her horror, if not her actions.</p> <p>While I was a step or two above this young man in terms of laundry skills, I still made some errors that cost me on occasion &mdash; like the time I accidentally bleached holes right through a shirt, or when I shrunk wool sweaters. That's because knowing how to wash clothes is not a skill taught in school. It's one of many life skills that parents need to teach their kids to help prepare them for the adult world.</p> <p>Your kids need you to teach them the following life skills so that they are not caught by surprise once they reach adulthood &mdash; and you are never stuck laundering the clothes of a capable young adult.</p> <h2>1. Budgeting</h2> <p>It can feel very difficult to teach someone else how to budget if you struggle with money yourself. But you don't have to have a black belt in budgeting to be able to teach your children. Here are some steps you can take to help them master money.</p> <h3>Give them an allowance</h3> <p>Give your kids an allowance starting around age six. When your child wants something, ask if he or she has enough money to pay for it on their own. (See also: <a href="http://www.wisebread.com/the-easy-way-to-set-an-allowance-that-wont-ruin-your-kid?ref=seealso">The Easy Way to Set an Allowance That Won't Ruin Your Kid</a>)</p> <h3>Let them make mistakes</h3> <p>Allow your young kids to make financial mistakes while the stakes are still low. For instance, if your child spends all of their money on a toy when they'll be going to the carnival later, do not give them more money to spend at the carnival. Let your child recognize that once money is spent, it's gone.</p> <h2>2. How to fail</h2> <p>Failure is an important component of success, since no one achieves their goals without experiencing setbacks. Unfortunately, schools are set up so that failure is seen as a terrible outcome, and the way that failure is talked about in our society can make kids (and adults) believe that they need to avoid failure at all costs. This leads to kids and adults who give up when they feel frustrated and are afraid to take risks.</p> <p>To teach your kids how to fail, emphasize to them that there are lessons to be learned from failure. After your child experiences a setback or a failure, ask what they learned from it.</p> <h2>3. Etiquette</h2> <p>For many of us, etiquette may seem like an overemphasis on which fork to use, but teaching etiquette to kids starts with insisting on &quot;please&quot; and &quot;thank you&quot; as soon as they can get the words out, and <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids">teaching them not to interrupt</a> as their language skills develop. From there, make sure they know the basics of good manners:</p> <ul> <li>Making eye contact when talking or shaking hands with someone.</li> <li>Making guests feel comfortable.</li> <li>Handling introductions.</li> <li>Apologizing sincerely and accepting responsibility when you are wrong.</li> <li>Knowing how to politely phrase requests and respond to questions.</li> </ul> <h2>4. Time management</h2> <p>Many adults struggle with time management because they were never explicitly taught how to arrange their time and schedule. And though there is no one way to handle time management, there are some underlying principles you can teach your children to help them develop their own method of time management.</p> <h3>Daily routines</h3> <p>Routines can help kids understand when things are supposed to happen every day, which can give them the tools to create their own routines and have less unstructured time to manage.</p> <h3>How long an hour is</h3> <p>Use timers during chores and other tasks to teach this principle so your children learn how long various blocks of time are, which will make it easier for them to anticipate how long things will take.</p> <h3>Planning ahead</h3> <p>Creating a family calendar together can help your child see how planning can make events run more smoothly.</p> <h2>5. How to cook</h2> <p>When you don't have any cooking skills, then you are stuck spending more money than you need to on convenience foods and restaurant meals. Your kids need to be able to feed themselves when they are adults, which includes knowing how to buy and prepare basic meals.</p> <p>Have your kids help you in the kitchen, so that they learn these skills with your support. If you don't know how to cook, learning with your child is a great way to show them how to pick up a new skill as an adult. (See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a>)</p> <h2>6. Self-advocacy</h2> <p>When I taught high school English, I was always amazed by the number of parents who would call me to discuss their children's grades. While I could understand why parents were concerned, the student's grade was between the student and myself. Every time a parent tried to cut the student out of that conversation, the parent made it clear through their actions that they thought their child was not competent.</p> <p>Kids need to learn how to be their own advocates so they can handle conflicts with authority figures in adulthood. To teach your children this important skill, allow them to speak for themselves as early as possible. Start by letting them order their own meal at a restaurant.</p> <p>When your child does need to talk to a teacher, practice with them beforehand and don't succumb to the temptation to do it on their behalf.</p> <h2>7. Cleaning the house</h2> <p>The best way to teach your kids how to clean and maintain a home is to have them help you as you complete household chores.</p> <p>When your kids are very little, they want to help you, and you should let them, even though you could get it done more quickly by yourself. Explain what you are doing and why, so that your kids have a baseline understanding of how everything works within your home.</p> <p>As they grow, have them take over chores around the house &mdash; including doing their own laundry. Ahem.</p> <h2>Achieving adulthood, one skill at a time</h2> <p>Preparing your child for adulthood is no easy feat. But recognizing which skills your child will need can help you figure out the best way to introduce those skills. Not only will teaching your child these skills help her to feel confident, capable, and ready to take on the world, but it will also keep you from having to do their laundry in adulthood.</p> <p>That's a big win-win.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-life-skills-your-kids-wont-learn-in-school&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Life%2520Skills%2520Your%2520Kids%2520Won%2527t%2520Learn%2520in%2520School.jpg&amp;description=7%20Life%20Skills%20Your%20Kids%20Wont%20Learn%20in%20School"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Life%20Skills%20Your%20Kids%20Won%27t%20Learn%20in%20School.jpg" alt="7 Life Skills Your Kids Won't Learn in School" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</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-sell-your-kids-stuff-at-a-consignment-sale">How to Sell Your Kid&#039;s Stuff at a Consignment Sale</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</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-life-skills-for-working-moms">10 Life Skills for Working Moms</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-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle kids life lessons life skills reading school smart kids street smarts Wed, 28 Jun 2017 08:00:11 +0000 Emily Guy Birken 1973971 at http://www.wisebread.com 6 Reasons Average People Should Consider a Prenup http://www.wisebread.com/6-reasons-average-people-should-consider-a-prenup <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-average-people-should-consider-a-prenup" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/giving_them_a_happy_send_off.jpg" alt="Giving them a happy send off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Prenuptial agreements are pretty standard when the rich and famous get married. Considering the amount of wealth these high-profile couples have, it makes perfect sense why prenups are as common as their giant engagement rings.</p> <p>But what about us common folk? Are prenups a good idea for people without millions of dollars to protect?</p> <p>Depending on your finances and relationship, a prenup might be a good idea for you and your sweetheart. Here are six reasons why people without multimillion-dollar net worths might choose to sign a prenup before saying &quot;I do.&quot;</p> <h2>1. If either of you have children from a previous relationship</h2> <p>As of 2013, <a href="http://www.pewsocialtrends.org/2014/11/14/four-in-ten-couples-are-saying-i-do-again/" target="_blank">40 percent of new marriages</a> include at least one spouse who has previously been married. Couples who have been down the aisle before are more likely to bring children into their new marriage, which adds a level of financial complication to their union. These parents often want to make sure children from their previous relationships will be financially taken care of in case of either death or divorce.</p> <p>A prenup can help parents protect assets for their children, especially in terms of estate planning. For instance, state laws generally consider marital property to belong solely to a surviving spouse after one partner dies. A prenup could ensure that a portion of that property, or assets that the parent brought into the marriage, would go to the child of a previous marriage or relationship rather than the surviving spouse.</p> <p>While wills can cover this same ground, having just a will that leaves your spouse less than an elective share of your estate (between one-third and one half) does not necessarily preserve assets for your children, since your spouse can make a claim against your estate for the elective share. Having a prenup that spells out what assets go to children of a previous relationship, along with a will that cements the terms of the prenup, will be a much more solid method of protecting your children.</p> <h2>2. If either of you has a great deal of debt</h2> <p>We tend to think of prenups as being a way of protecting our wealth, but they can also protect you from your partner's debts (or vice versa). If you are entering into a marriage with a great deal of individual debt, a prenup can delineate who has responsibility for the debt payments during the marriage, as well as how the debts will be handled in the event of a divorce.</p> <h2>3. If either of you is an entrepreneur</h2> <p>Figuring out the specific valuation of assets, such as closely-held business interests or stock options, can be tricky. These things can cause a messy delay in the event of a divorce. If either spouse is an entrepreneur or small business owner, drafting a prenup that spells out exactly how these kinds of assets will be valued will save you a great deal of heartache, time, and lawyer's fees if you ever need to split them up in a divorce.</p> <h2>4. If either of you plans to get an advanced degree while the other works</h2> <p>It's common for one spouse to financially support the family while the other gets an advanced degree or other higher education. The problem with this division is if the marriage does not survive.</p> <p>The fallout can happen in a few ways. Maybe, for example, the degree-seeking spouse ends up much better off financially because their new education helps advance their career. Meanwhile, the supporting spouse may be stuck toiling away for a lower paycheck. Or, in another example, maybe the supporting spouse makes good money, but the degree-seeking spouse is unable to find a job or is crippled by student loans post-divorce.</p> <p>A couple who knows that one partner will work to support the family while the other goes to school may want to draw up a prenup that will make sure both of them will be financially OK if the marriage does not last.</p> <h2>5. If either of you plans to be a stay-at-home parent</h2> <p>A spouse who stays home with the children may not be bringing in a salary, but he or she is certainly saving the family money. According to a 2016 Salary.com estimate, stay-at-home parents are saving their families <a href="http://www.salary.com/2016-mothers-day-infographics/" target="_blank">over $143,000 per year</a> by doing all of the work that would otherwise have to be contracted out.</p> <p>Unfortunately, there is no real way to quantify those cost savings if a marriage dissolves, which can leave the non-paycheck-earning parent at a distinct disadvantage. A prenup can do a great deal to protect both of the spouses.</p> <h2>6. If you live in a community property state</h2> <p>In the nine community property states, which include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin, everything purchased during the marriage is split 50/50 in the event of a divorce, no matter who made the purchase.</p> <p>For most couples in these states, there is no problem with the community property laws. However, suppose one spouse purchases property on her own during the marriage? For instance, a real estate developer marrying someone outside of the real estate business might use her own funds to purchase properties as part of her business, even after they are married. If the developer wants to make sure those properties remain under her control should the marriage dissolve, then a prenup would be a good idea to protect that property.</p> <h2>Making sure your prenup is mutually beneficial</h2> <p>There is a stigma to prenups, which is part of the reason why they are often seen as just being for the uber-wealthy. We tend to think of them as proof that spouses are not committed to their relationship.</p> <p>However, a prenup should be mutually beneficial, and it can be a way for you and your beloved to show your commitment to each other. You should both be satisfied that you will each be taken care of in case life doesn't turn out the way you planned.</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/6-reasons-average-people-should-consider-a-prenup">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-myths-about-divorce-and-money-debunked">4 Myths About Divorce and Money, Debunked</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-smart-money-moves-for-empty-nesters">7 Smart Money Moves for Empty Nesters</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/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family business owners children debt education entrepreneurs marriage prenup prenuptial agreement protecting spouses Tue, 13 Jun 2017 08:30:17 +0000 Emily Guy Birken 1959137 at http://www.wisebread.com 7 Affordable Family Getaways When You Don't Have a Vacation Fund http://www.wisebread.com/7-affordable-family-getaways-when-you-dont-have-a-vacation-fund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-affordable-family-getaways-when-you-dont-have-a-vacation-fund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/parents_and_their_two_children_on_the_beach.jpg" alt="Parents and their two children on the beach" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Oops! It's already summer, and you have yet to save for a summer vacation. No worries. There are many ways you can still enjoy a family getaway on the cheap. If you get creative, adjust your expectations, and put in a little extra effort, you can get some much needed rest and relaxation without going into debt.</p> <h2>1. Gather last-minute funds</h2> <p>Maybe you haven't done your big spring clean-out. You can host a yard sale this weekend and get some cash for your old treasures. Check out local resale shops for clothing, children's items, and more. I've made a couple hundred dollars after a big clear out of toys and baby clothes to put toward time away. My husband is a teacher and has taken on summer gigs (like being a camp counselor) to make money to put toward travel.</p> <p>Sit down and write up a list of any and all the ways you think you might be able to make some quick cash. Other ideas include selling clothing on sites like Poshmark, finally rolling all that loose change, selling your unwanted event tickets on StubHub, and more. (See also: <a href="http://www.wisebread.com/25-ways-to-make-money-today?ref=seealso" target="_blank">25 Ways to Make Money Today</a>)</p> <h2>2. Adjust your expectations</h2> <p>Consider approaching your usual vacation in a new way. Why not skip going out to eat and save a ton by trying to cook your way through each day? If you reserve a room or suite with a kitchen, this will be much easier. Try spending no more than you would on a normal week of groceries at home. Also, don't get sucked in by high-priced tourist attractions &mdash; many beaches and parks you'll find at your destination are free.</p> <p>There are many ways to cut dollars along your journey. If your hotel offers a free breakfast, take advantage. Call ahead to see if there are any perks included in your reservation, like free transportation, reduced ticket prices to local attractions, or special nightly events. If you have yet to secure your room, try staying a little farther away from the most alluring towns and attractions. Even driving 10 to 15 minutes can save you hundreds.</p> <h2>3. Check out your state</h2> <p>I recently researched everything the great state of New York has to offer in the way of travel. And I found plenty. Fresh water beaches on Lake Ontario. Majestic lake and mountain views in the Adirondacks. Romantic castles in the Thousand Islands region. Wineries and waterfalls in the Finger Lakes. There's so much to do within a couple hours of my front door, and I didn't even know it.</p> <p>Skip the pricey plane ticket and check out your state. You could plan a road trip visiting different regions, spending just a day or so in each area. Or you could choose the coolest thing you find and spend a couple days there. If you're not going to the more traditional vacation hot spots &mdash; the beach, for example &mdash; you may save a good chunk on hotels and eats.</p> <h2>4. Scope out campgrounds</h2> <p>If you have yet to try camping, you're missing out on an extremely inexpensive way to see the world. Try camping out at some of our country's National Parks. In fact, you can stay for an entire week at some of them for <a href="http://www.wisebread.com/camping-for-a-week-is-only-160-at-these-national-parks" target="_blank">less than $200</a>. Can't afford to go far? Check out state or even county parks. One of my favorites is in the Finger Lakes. Camping is dirt cheap, yet the setting gives you million dollar views and free swimming to boot.</p> <p>If you're not the outdoorsy type, some campgrounds offer glamping, aka glamorous camping, in cabins, yurts, and other accommodations that will feel more indoors than tent camping. (See also: <a href="http://www.wisebread.com/5-ways-to-save-on-your-next-glamping-trip?ref=seealso" target="_blank">5 Ways to Save on Your Next Glamping Trip</a>)</p> <h2>5. Go in with a friend (or two)</h2> <p>My family is actually taking a trip with another family this summer. We're both on a limited budget. Our kids are the same ages, and we like doing a lot of the same things. So, we hunted around to find a house rental to split in the Catskills. One of our shared interests is cooking, so we've already planned our homemade meals for the week. The house is close to the municipal pool, so that will be great for cooling off and it only costs a few dollars for a weekly pass.</p> <p>What do we plan to do for entertainment? Mostly just hang out. If you are close enough to certain friends or even family, sharing space can be a huge money-saver. And you'll have so much fun being together that you won't need to spend money to find things to do. If you're really strapped, your friends may even offer to let you come visit them for free. We've also done that in the past, and it was so much fun.</p> <h2>6. Consider day tripping</h2> <p>Who says you have to spend the night to get away? There are tons of places you can pack up and go for the day and get some much-needed R&amp;R. I like to go the old fashioned way and look at a physical map of my area. I have drawn a radius that gets us places in two or three hours (or less). In my circle, I can hit up gorgeous gorges and wineries in Ithaca, NY. Spend the day trekking around Philadelphia or New York City. We can even jaunt down to the Crayola Factory or Hershey Park for the kids.</p> <p>One of my close friends cannot afford to go on a full vacation in the summer. So, she takes her family on an incredible day trip most weekends. She packs lunch and snacks, too. Her kids absolutely love the adventures they find, and it keeps the fun going all summer long.</p> <h2>7. Research housesitting</h2> <p>Another friend of mine recently offered us her apartment near the Flatiron district of NYC because she needs a house- and cat-sitter while she backpacks around Europe. Unfortunately, we're not able to go. But seriously! What an amazing opportunity to spend a week in the heart of the City for basically nothing.</p> <p>Did you know that people post house-sitting gigs online? It's a great way to get a super awesome vacation, and fast. Try searching around on Craigslist or targeted sites like House Sitting America or Care.com. You can even put out a call on your Facebook to see if any friends are in need of this service. Gigs vary from place to place, but many will let you bring your pets and family. Some even pay you for your caretaking services. (See also: <a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig?ref=seealso" target="_blank">10 Tips for Landing the Perfect House-Sitting Gig</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-affordable-family-getaways-when-you-dont-have-a-vacation-fund&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Affordable%2520Family%2520Getaways%2520When%2520You%2520Dont%2520Have%2520a%2520Vacation%2520Fund.jpg&amp;description=7%20Affordable%20Family%20Getaways%20When%20You%20Dont%20Have%20a%20Vacation%20Fund"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Affordable%20Family%20Getaways%20When%20You%20Dont%20Have%20a%20Vacation%20Fund.jpg" alt="7 Affordable Family Getaways When You Don't Have a Vacation Fund" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/7-affordable-family-getaways-when-you-dont-have-a-vacation-fund">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/how-to-have-a-fun-family-road-trip-without-breaking-your-budget">How to Have a Fun Family Road Trip Without Breaking Your 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/8-great-places-to-take-the-family-for-spring-break">8 Great Places to Take the Family for Spring Break</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-underrated-us-cities-you-need-to-see-this-summer">4 Underrated U.S. Cities You Need to See This Summer</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-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-cheap-ways-to-entertain-your-kids-this-summer">6 Cheap Ways to Entertain Your Kids This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Travel family trips family vacation frugal travel getaways summer vacation travel tips Fri, 09 Jun 2017 08:00:10 +0000 Ashley Marcin 1961114 at http://www.wisebread.com 6 Cheap Ways to Entertain Your Kids This Summer http://www.wisebread.com/6-cheap-ways-to-entertain-your-kids-this-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-cheap-ways-to-entertain-your-kids-this-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-521079240.jpg" alt="Mother entertaining her daughter on the cheap this summer" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>School will be out before we know it. As a parent, I understand that reality can be terrifying. After all, what are you going to do with the kids all summer? Will they spend another summer break playing video games and watching TV?</p> <p>I don't know about you, but my kids do better when they are active and entertained, and I aim to keep them busy. Here are some ways I'll be keeping my kids moving a little more this summer, and how you can, too. (See also: <a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer?ref=seealso" target="_blank">How to Save Money on Child Care This Summer</a>)</p> <h2>1. Throw a water party</h2> <p>Kids of all ages like to play with water. I'm planning a couple of days when my kiddos can each invite a few friends over and go water-crazy for an afternoon. We'll have water guns, water balloons, the sprinklers will be going, an old school <a href="http://amzn.to/2qQEjry" target="_blank">Slip 'N Slide</a>, and more. It will be a blast, won't cost too much, and they will run around all afternoon.</p> <h2>2. Show them how to grow veggies</h2> <p>Having a garden takes some work, and I plan to put my kids in charge of (at least part of) mine. Digging, weeding, and watering are all active tasks and, even better, they get the kids out of the house. I'll give them each a small plot in the garden and put them in charge of picking what to grow and the actual planting, watering, weeding, etc. (See also: <a href="http://www.wisebread.com/13-simple-gardening-skills-anybody-can-master?ref=seealso" target="_blank">13 Simple Gardening Skills Anybody Can Master</a>)</p> <h2>3. Have them create a funny video</h2> <p>Rather than have my kids watch videos, they'll be making their own. I'll encourage them to write the script, come up with costumes and props, and even shoot as much of it as they can themselves. It's cheap, it will keep them busy, and they'll have to exercise both their brains and their bodies to get it done.</p> <h2>4. Cook together</h2> <p>Most kids don't know how to cook, but I've found that they usually like to learn. As long as they don't feel like it's a chore and they aren't left entirely to their own devices, most kids are surprised to learn just how easy and satisfying it can be to throw a meal together. Plus, you'll finally have help with meal planning and preparation!</p> <h2>5. Teach them a new sport</h2> <p>Learning doesn't have to take place inside the confines of school, and kids can remember this over the summer. Take the time to learn some new activity with your kids. Try stand-up paddleboarding or kayaking if you want to do something outside. Not only will you and your kids get out of the house and move, but you'll learn a new skill that will keep you active.</p> <h2>6. Wash the car</h2> <p>Going back to the idea that everyone loves to play in the water, put your kids to work washing cars, bikes, scooters, etc. The job has to be done anyway, so you might as well use it as an excuse to get your kids moving. They may resist at first, but after the hose comes on, most kids are more than happy to do these particular chores.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-cheap-ways-to-entertain-your-kids-this-summer">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/how-to-have-a-fun-family-road-trip-without-breaking-your-budget">How to Have a Fun Family Road Trip Without Breaking Your 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/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</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/these-8-everyday-buys-will-be-cheaper-this-summer">These 8 Everyday Buys Will Be Cheaper This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</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/23-cheap-summer-date-ideas">23 Cheap Summer Date Ideas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family family time family vacation kids activities kids games saving money summer summer activities summer fun summer vacation Thu, 01 Jun 2017 08:30:19 +0000 Sarah Winfrey 1944521 at http://www.wisebread.com 5 Times Dad Was Right About Money http://www.wisebread.com/5-times-dad-was-right-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-dad-was-right-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/father_carrying_daughter_piggyback.jpg" alt="Father carrying daughter piggyback" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Despite what you may have thought as a teenager, it turns out your old man actually knew a thing or two &mdash; particularly when it came to money. True, Dad's wisdom might have sounded like corny jokes, dusty cliches, or weird logic at the time, but there was some great information in there among the eyeroll-inducing humor.</p> <p>So at the risk of having him say &quot;I told you so,&quot; let's take the time to recognize some of the ways Dad was right about money. Here are five of the money lessons he taught us well:</p> <h2>1. &quot;If it sounds too good to be true, it probably is&quot;</h2> <p>Your dad probably told you this to protect you from con artists, frauds, and crooks, as well as those friends of yours he never liked. When you were a kid, Dad probably wanted you to remember his advice when a friend told you that you could <em>definitely</em> get away with whatever scheme they were trying to talk you into. But it's important to keep this advice in mind when you are offered a &quot;once-in-a-lifetime investment opportunity&quot; as well.</p> <p>It's easy to see dollar signs (or imagine a Ferris Bueller-like day of playing consequence-free hooky) when someone is presenting you with an offer that seems too good to be true. Reminding yourself that dear old Dad would probably tell you to back away slowly from such an offer can be enough to make you stop your impetuous rush toward untold fortune &mdash; or a whirlwind tour of Chicago in a stolen Ferrari.</p> <h2>2. &quot;You don't need that&quot;</h2> <p>When I was in elementary school in the 1980s, all the cool kids wore Jordache jeans, which my father very patiently explained to me that I didn't need. He clearly did not understand the importance of that horsehead label to one's standing in the social hierarchy on the playground.</p> <p>When Dad told you that whatever item you believed was vital to your life and happiness was <em>not</em> something you needed, you were probably just as disappointed as I was. But as infuriating as it was to hear this, he was helping you learn the difference between wants and needs. To this day, I can hear Dad's voice in my head telling me I don't need whatever impulse purchase is trying to come home with me. I usually listen to him, too &mdash; unless it's a pair of awesome jeans.</p> <h2>3. &quot;You've got Champagne taste on a beer budget&quot;</h2> <p>Wanting something you cannot afford seems like a simple enough problem to solve when you're a teenager living at home &mdash; ask Mom or Dad to buy it for you. That request does not often end well for the teenager. Many an aspirational teenage consumer gets this sarcastic response from Dad regarding the relationship between their taste and their budget.</p> <p>Coveting things you can't afford can destroy any budget, and your dad wanted you to understand that it's a short trip to bad finances if you try to indulge your high-end tastes. Dad was trying to teach you how to be realistic about your budget and stick to indulgences that you could realistically handle.</p> <h2>4. &quot;Money doesn't grow on trees&quot;</h2> <p>This is one of the greatest hits of dad sayings, and you probably heard it many times throughout your childhood. He'd dust this old chestnut off whenever you were blatantly wasteful, or whenever you asked for something that he wasn't willing to pay for. In some households, turning the thermostat up by a single degree would result in Dad materializing from nowhere to remind you that trees just don't produce currency.</p> <p>At the time, this lesson just sounded like Dad being an old stick-in-the-mud. But he was actually trying to remind you that there is a cost to money. Someone (ahem, your parents) had to work for the money necessary to keep the house at a comfortable temperature, replace the toilet paper you used to TP your friend's house, and buy the guitar you so desperately wanted but you never actually practiced playing.</p> <p>As an adult, it's much easier to understand that money isn't freely available when you realize you have to work in order to earn more. Suddenly, it makes sense why Dad turned into a financial botanist whenever you spent his money.</p> <h2>5. &quot;The best things in life are free&quot;</h2> <p>If your dad was anything like mine, he might have told you this when you asked him for money. While his attempt at being funny was probably not well received, the actual message also made you roll your eyes &mdash; since there are plenty of awesome things in life that you have to pay for.</p> <p>This is a lesson that needs to marinate for a while before it resonates. Teenage you may have just seen this cliché as a cover for your dad not wanting to give you money to go out with your friends. However, adulthood often brings the realization that the things that really do make life sweet &mdash; like sunsets, belly laughs, kisses, and naps &mdash; are not things you can buy. Dad was right when he told you that you don't need to spend money to enjoy the best of life, even if he was a little too schmaltzy in how he told you.</p> <h2>Appreciating Dad's words of wisdom</h2> <p>Many of the things your dad told you about money might have sounded hokey when he first said them, but it doesn't make them any less true. Let your dad know how much you have learned from him, and how much you appreciate his wisdom, if not his sense of humor.</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/5-times-dad-was-right-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/10-money-lessons-i-learned-from-dad">10 Money Lessons I Learned From Dad</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-support-your-broke-parents">How to Support Your Broke Parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-simple-guide-to-planning-for-a-loved-ones-long-term-care">A Simple Guide to Planning For a Loved One&#039;s Long-Term Care</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/3-smart-ways-to-save-on-fathers-day">3 Smart Ways to Save on Father&#039;s Day</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-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family dad father Father's Day money advice parents quotes wisdom Thu, 01 Jun 2017 08:00:12 +0000 Emily Guy Birken 1954616 at http://www.wisebread.com How to Make Your Pet an Official Emotional Support Animal http://www.wisebread.com/how-to-make-your-pet-an-official-emotional-support-animal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-your-pet-an-official-emotional-support-animal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/seeing_eye_dog.jpg" alt="Seeing Eye dog" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a pet parent, I understand the emotional benefits of having a loving four-legged friend by my side. My dog, Diamond, is one of the biggest calming forces in my life. Her mellow demeanor allows me to take her to dog-friendly restaurants, on pet-sitting gigs, and more. I had always considered making her an emotional support animal (or ESA), but knowing I didn&rsquo;t have a medical reason to do so kept me from taking the plunge.</p> <p>However, when I was diagnosed with an iron-overload disorder called Hereditary Hemochromatosis and learned I would have to deal with needles &mdash; my greatest fear &mdash; on a frequent basis, I decided to take the steps to make Diamond an ESA so I could have her with me at my doctor's office.</p> <p>If you are thinking about making your pet an ESA, here's what I learned when I went through the process.</p> <h2>The difference between an emotional support animal and a service animal</h2> <p>The first thing to note is that under the Americans with Disabilities Act (ADA), <a href="https://adata.org/publication/service-animals-booklet" target="_blank">ESAs are not considered service animals</a>. While service animals are allowed everywhere, ESAs have limitations on where they can go. This is because service animals are specially trained to assist a person with a diagnosed physical or mental disability, whereas ESAs are not.</p> <h2>Where you can take an ESA</h2> <p>Based on federal regulations, there are only two places your ESA is allowed:</p> <h3>A home you'd like to rent</h3> <p>Under the Fair Housing Act, all <a href="https://portal.hud.gov/hudportal/documents/huddoc?id=servanimals_ntcfheo2013-01.pdf" target="_blank">landlords must make &ldquo;reasonable accommodation&rdquo;</a> to permit dogs that are ESAs.</p> <h3>When you fly</h3> <p>Under the Air Carrier Access Act, <a href="http://servicedogcentral.org/content/node/73" target="_blank">airlines are required to provide accommodation</a> to passengers traveling with an ESA, upon review of required ESA documents.</p> <p>You can also check with your state or local government to find out their rules on allowing ESAs in public places. I did find that many doctor&rsquo;s offices and medical facilities in my area allow patients to bring their ESA with them to appointments, tests, and treatments. Just call and make sure before you bring them along. (See also: <a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money?ref=seealso" target="_blank">5 Surprising Ways Your Dog Can Save You Money</a>)</p> <h2>Are you a candidate?</h2> <p>If you are dealing with high levels of stress, anxiety, or depression, and your pet helps alleviate these issues, you may be a candidate for an ESA. If you plan on taking your pet on planes or to medical facilities, make sure your pet is obedient and calm enough to be in those environments.</p> <h2>How to prove your pet is an ESA</h2> <p>Many websites sell vests, certificates, or other identification tags stating that your pet is an ESA. While having your pet wear an ESA vest can make them more easily identifiable (I have Diamond wear one for this purpose), these items don&rsquo;t actually prove ESA status. The only thing you must have to verify your pet is an ESA is a letter from a licensed mental health professional dated within the last year on their letterhead stating:</p> <ul> <li> <p>That you are under their treatment</p> </li> <li> <p>Your mental illness or disability</p> </li> <li> <p>The name of your pet</p> </li> <li> <p>How your pet medically alleviates your symptoms</p> </li> </ul> <h2>Avoid fake document sellers</h2> <p>There are countless websites willing to send you a letter from a &ldquo;mental health professional&rdquo; for a fee. These sites make it easy to get a letter classifying your pet as an ESA. However, these letters are fake. In order for the letter to be valid, the mental health professional who writes the letter has to actually be treating you.</p> <p>If you need an ESA to help you feel calm, safe, or to assist with your sense of well-being, being under the treatment of a licensed mental health professional can be beneficial in helping you overcome the difficulties you are facing.</p> <h2>How the process works</h2> <p>Go online to find a few mental health professionals you think would be a good fit for you. Email or call them to explain your situation, why you think having an ESA would benefit you, and ask if they support the use of ESAs in therapy.</p> <p>Once you determine which therapist is right for you, schedule a session to start working through your anxiety, depression, or stress, and have your therapist write you an ESA letter.</p> <h2>Learn from my mistakes</h2> <p>My experience didn&rsquo;t go as smoothly as I&rsquo;d hoped. I contacted a few mental health professionals within my insurance network to see if they supported the use of ESAs, with no luck. Realizing I might have to use a website in order to get the letter (albeit fake) I needed in time for my first treatment, I put out a desperate plea on Nextdoor asking for recommendations for therapists who were advocates of using ESAs. Luckily, I was able to find someone with a couple days to spare before my first treatment.</p> <p>The lesson here is don&rsquo;t get discouraged if you are having trouble finding the right therapist. There are therapists out there that believe in the calming and healing power of pets!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/how-to-make-your-pet-an-official-emotional-support-animal">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/6-reasons-you-need-to-include-pets-in-your-will">6 Reasons You Need to Include Pets in Your Will</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school">7 Life Skills Your Kids Won&#039;t Learn in School</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/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</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-things-that-money-just-cant-buy">The things that money just can&#039;t buy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle dog family members furry friends service dog support animal therapy dog therapy pet traveling with pets Fri, 26 May 2017 08:30:14 +0000 Ashley Jacobs 1953941 at http://www.wisebread.com 4 Parenting Mistakes to Avoid When Teaching Kids About Money http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-parenting-mistakes-to-avoid-when-teaching-kids-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/little_girl_looking_at_piggybank.jpg" alt="Little girl looking at piggy bank" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No matter how well you manage your money, you want your kids to grow up making all the right financial decisions. But if they see you overspending, they might adopt your poor money habits without you realizing it.</p> <p>Some parenting fails teach children about money &mdash; in a bad way. Rather than your kids learning from your mistakes, they might be destined to make the same ones you're making right now. Here are some parenting fails to avoid when teaching your kids about money.</p> <h2>Making impulse buys</h2> <p>Every parent has probably had their child ask for a candy bar or other treat while waiting in the checkout line. Telling them no can be difficult, but it beats raising a child who thinks they're entitled to everything they see.</p> <p>Occasional impulse purchases are fine. Getting an ice cream cone after a tough week at school, or going to see a movie after getting a high test grade can be worthwhile motivators for kids to do better in school. But if you spend too much on an impulse buy &mdash; such as the latest tech gadget &mdash; it can show a lack of restraint in how you shop.</p> <p>Even small impulse buys, if made often, can show your child that it's OK to buy something without giving it much thought. Small purchases add up, and a better lesson would be to put that money aside in a vacation fund for the whole family to enjoy.</p> <h2>Not letting them work for their money</h2> <p>Giving a kid an allowance is a great idea, as long as they work for it. Handing over cash each week without them doing anything to earn it can make you seem like a free ATM. Money doesn't just appear in your pocket magically. You work for it, and so should they.</p> <p>Be it earning money with chores or a part-time job, kids can learn the value of a dollar and find out firsthand how many hours of work it takes to afford that pricey pair of sneakers they want.</p> <h2>Not giving them their own bank account</h2> <p>If your kids don't have a savings account or college savings account by age five, you're doing them a disservice. Heck, if you don't have a savings account or retirement account, you're doing <em>yourself </em>a disservice, while also teaching them the poor habit of not saving for the future.</p> <p>As children become teenagers, parents can teach them about managing money by helping them get an ATM or debit card, a checking account, and <a href="http://www.wisebread.com/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card" target="_blank">possibly a credit card</a> with a low limit.</p> <p>Birthday money and a percentage of their allowance can be put into their savings accounts. Regular trips to the bank to make those deposits also show them how banks work and why they should save. (See also: <a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget?ref=seealso" target="_blank">How to Help Your Kid Build Their First Budget</a>)</p> <h2>Having terrible money habits yourself</h2> <p>You don't have to detail every expense in your budget with your children, but they should have a general sense of what you're budgeting for and why. Sharing this info will teach them how to set their own money goals, and how to manage monthly bills before they're responsible for paying them.</p> <p>If you pay your bills late and constantly complain about how you can't afford the gas bill each month, you're setting a poor example of how to budget for basic expenses. Your kids are watching you, so you should be leading by example.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-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-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-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/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</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-money-rules-thatll-save-you-big-in-babys-first-year">5 Money Rules That&#039;ll Save You Big in Baby&#039;s First Year</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/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> <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-when-youre-rich-dream-buys-that-arent-that-great">5 &quot;When You&#039;re Rich&quot; Dream Buys That Aren&#039;t That Great</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family budgeting budgeting tips parenting parenting fails parenting tips saving money Spending Money Wed, 24 May 2017 09:00:10 +0000 Aaron Crowe 1953075 at http://www.wisebread.com 4 Stocks to Buy If You Love Moms http://www.wisebread.com/4-stocks-to-buy-if-you-love-moms <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-stocks-to-buy-if-you-love-moms" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-626773718.jpg" alt="Finding stocks to buy if you love moms" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Make no mistake about it: Moms are the best. They're our biggest supporters, our number one fans, and they are always there for us. So this Mother's Day, why not invest in companies that are helping both the mothers (and fathers) they employ, as well as the mothers who make up their customer base?</p> <p>Here are four stocks that anyone who loves moms should buy.</p> <h2>1. Campbell's Soup Company [NYSE: CPB]</h2> <p>The connection between moms and chicken soup alone might be enough for you to want to buy this stock. But Campbell's Soup has made this list because of one specific subset of its food empire: Plum Organics.</p> <p>Founded as a startup in 2007, Plum Organics is a mission-driven baby and toddler food company committed to offering the best sustainable nutrition to all children. In 2013, Campbell's acquired Plum Organics, and in an impressive display of integrity, Plum's president and co-founder Neil Grimmer requested that the smaller company pursue certification as a benefit corporation after the sale. For-profit benefit corporations not only create value for their shareholders, but they also have legal requirements for accountability, transparency, and purpose.</p> <p>Since then, Plum Organics has continued to try to make the world a better place for parents and children. In particular, their The Full Effect program has donated over 8.6 million organic meals and snacks to children in need. The company also works hard to reduce its environmental footprint by both reducing packaging and creating recycling programs for its packaging.</p> <p>Though Plum Organics is only a small part of the Campbell's Soup Company, the fact that Campbell's continues to encourage its child-friendly, mom-friendly, and environment-friendly mission makes it worthy of this list.</p> <p>The Campbell's Soup Company is also working to improve the lives of the mothers and fathers it employs. The company recently revamped its parental leave policy, offering 10 weeks of paid leave for a primary caregiver and two weeks of paid leave for a secondary caregiver. The fact that such a huge company is working to make life easier for new parents is definitely a great step.</p> <h2>2. Etsy [NASDAQ: ETSY]</h2> <p>You may know Etsy as the place to get creative handmade gifts, but it is also a publicly-traded company that does a great deal to support moms.</p> <p>To start, Etsy decided in 2016 to offer all employees 26 weeks of paid parental leave after birth or adoption, regardless of the employee's gender or primary/secondary caregiver designation. Etsy's generous, gender-neutral leave policy can help pave the way for other companies to recognize the importance of supporting young families &mdash; especially if we invest in Etsy by buying its stock.</p> <p>In addition, Etsy's business model has offered a manageable approach to entrepreneurship for moms who wish to straddle the line between staying home with the kids and earning an income. Supporting Etsy by buying its stock means helping to strengthen the finances of creative parents who are trying to balance working from home and child rearing.</p> <p>Finally, Etsy is a certified B Corp, meaning that it is committed to accountability and transparency within its socially responsible mission. To support that mission, Etsy created Craft Entrepreneurship, an educational program that offers creative people in low-income communities the knowledge and skills to start Etsy businesses.</p> <h2>3. Johnson &amp; Johnson [NYSE: JNJ]</h2> <p>Eight of Johnson &amp; Johnson's first 14 employees were women &mdash; all the way back when the health care company was founded in 1886.</p> <p>Women receive 47 percent of all promotions at Johnson &amp; Johnson, while only making up 45 percent of the total company employees. In addition, the company offers leadership initiatives that emphasize gender balance, as well as executive education courses that are specifically tailored to women. All of this is great news for mothers working for the corporation, which employs over 39,000 people.</p> <p>Parental leave at Johnson &amp; Johnson is relatively generous, with at least nine weeks of paid leave offered to new mothers and fathers. But the company continues looking out for families long after babies are born. It also offers six on-site day care facilities, sick-child care, backup child care, and 10 paid days of sick leave per year to look after ill family members.</p> <p>On top of that, a full 95 percent of employees use flextime, and 75 percent telecommute, while managers are specifically trained to implement and manage flexible working arrangements. Those arrangements can be particularly helpful for working parents.</p> <h2>4. Netflix [NASDAQ: NFLX]</h2> <p>Any mother of a newborn can attest to the lifesaving power of Netflix in the middle of a long sleepless night. But Netflix is not just supporting overtired parents with middle-of-the-night TV binges. It is also a leader in providing excellent parental leave to its employees.</p> <p>As of 2016, salaried Netflix employees are permitted <em>unlimited </em>paid parental leave for their child's first year of life. The policy is the same for salaried employees who adopt children. This incredibly generous policy is a great step forward in recognizing that new parents are often the best judges of how much time they need before returning to work.</p> <p>Netflix has also made sure to take care of hourly employees who become parents. Hourly workers receive paid parental leave at 100 percent pay. The amount of time off that they receive depends upon which arm of the company they work for, with Streaming hourly employees receiving 16 weeks, DVD employees receiving 12 weeks, and customer service employees receiving 14 weeks. In all cases, the parental leave is for maternity, paternity, and adoptions.</p> <h2>Putting your money where your mom is</h2> <p>We all talk about how much we love and respect mothers, but it can feel like lip service if our actions don't reflect those feelings. One of the best ways to show your love and respect for Mom is to support the corporations that make it easier for all mothers to take care of business &mdash; at work and at home.</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/4-stocks-to-buy-if-you-love-moms">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/6-financial-gifts-mom-will-love-for-mothers-day">6 Financial Gifts Mom Will Love for Mother&#039;s Day</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/investment-allocation-by-age-birth-to-10-years-old">Investment Allocation by Age: Birth to 10 Years Old</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-save-for-retirement-when-you-are-unemployed">How to Save for Retirement When You Are Unemployed</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/158-free-investment-classes-from-morningstar-earn-rewards-while-you-learn">158 Free Investment Classes From Morningstar: Earn Rewards While You Learn</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-make-sure-you-dont-run-out-of-money-in-retirement">How to Make Sure You Don&#039;t Run Out of Money in Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Investment b corp companies moms Mother's day parental leave stocks supporting women Tue, 09 May 2017 08:30:14 +0000 Emily Guy Birken 1940330 at http://www.wisebread.com 8 Ways to Lower Your Vet Bills http://www.wisebread.com/8-ways-to-lower-your-vet-bills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-lower-your-vet-bills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-507275074.jpg" alt="Learning ways to lower your vet bills" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Taking your dog or cat to the vet can cause a big hit to your bank account, and if your pet has a medical emergency, you can easily expect to spend more than $500. This can take a toll on any family's finances, which is why we've found some easy ways to save money at the vet, without compromising your pet's health.</p> <h2>1. Take advantage of preventive care</h2> <p>If your vet suggests preventive care services, such as heartworm prevention medication for example, consider how much you'll save with this affordable service, as opposed to what you would spend treating heartworm disease.</p> <p>Maintain a healthy lifestyle with regular exercise, grooming, proper food portions, teeth brushing, and overall care. Severe dental issues can cost more than $1,000 to treat, so it's a preventive measure that shouldn't be skipped.</p> <h2>2. Prevent parasites</h2> <p>Get your animal on a flea and tick prevention program to keep fleas, ticks, lice, and worms at bay. These typically come in the form of a monthly pill, and many of these provide protection against several parasites at once. Along with saving you money on future treatments, this will also keep your pet healthy, happy, and comfortable.</p> <h2>3. Take advantage of free exams</h2> <p>Some veterinary offices or hospitals offer discounts or even free exams, to encourage owners to bring their pets in to treat for issues before they become hard to treat. Make inquiries with your local veterinary offices to see what they offer.</p> <h2>4. Compare prices</h2> <p>Compare service and prescription prices in your area before committing to one veterinary practice. Use online rating sites like Yelp to find a highly-reviewed vet that won't break the bank. Inquire about whether the office offers new pet or wellness care packages that can bundle exams and vaccines at a discount. (See also: <a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now?ref=seealso" target="_blank">5 Unexpected Dog Costs You Should Prepare for Now</a>)</p> <h2>5. Keep your pet's weight in check</h2> <p>According to The Association for Pet Obesity Prevention, about 59 percent of cats and 54 percent of dogs in the U.S. are overweight or obese. Excess weight can lead to a host of health problems for animals. Keep your pet fit and active for a healthier lifestyle and fewer vet visits. Also, be aware of the ingredients in your pet's food. If you're trying to cut out processed food from your own diet, you should do the same for them. Look for food that promotes overall health for your pet's breed and dietary needs, and do not overfeed them.</p> <p>And just because they adorably dance for treats doesn't mean you should keep handing them out!</p> <h2>6. Ask about financing</h2> <p>Many veterinary offices will offer financing, payment plans, or even discounts if you are upfront with them about any financial hardships you're facing. They might also work with a credit lender (like CareCredit), which allows you to pay the fees over the course of several months with no interest, upon credit approval. You can also look into private veterinary discount plans like PetAssure.</p> <h2>7. Get pet insurance immediately</h2> <p>Pet health insurance can save you a huge amount of money if your pet has costly medical expenses in the future. Keep in mind that pre-existing conditions and inherited disorders will not be covered, so it's important to get pet insurance as early as possible. Many policies will also limit coverage to one treatment per illness, so do your research to determine if it's right for you. (See also: <a href="http://www.wisebread.com/is-pet-health-insurance-worth-it?ref=seealso" target="_blank">Is Pet Health Insurance Worth It?</a>)</p> <h2>8. Request an estimate before services are rendered</h2> <p>A written estimate will let you know how much you can expect to spend. Don't feel shy about saying &quot;no&quot; to a service or asking for a detailed explanation of the recommended services. If you think that a service is unnecessary or too expensive, visit another vet with your estimate in hand.</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/8-ways-to-lower-your-vet-bills">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/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</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-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will">6 Reasons You Need to Include Pets in Your Will</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/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</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-ridiculously-overpriced-pet-products">10 Ridiculously Overpriced Pet Products</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs family members pet care pet health pet insurance pet owners pets vet bills veterinarian Mon, 08 May 2017 08:00:10 +0000 Andrea Cannon 1940414 at http://www.wisebread.com 5 DIY Mother's Day Gifts Moms Will Love http://www.wisebread.com/5-diy-mothers-day-gifts-moms-will-love <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-diy-mothers-day-gifts-moms-will-love" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-175449846.jpg" alt="Daughter making a DIY Mother&#039;s Day gift her mom will love" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>You could get away with giving Mom painted flowerpots or glittery picture frames for Mother's Day when you were seven, but it's time to up your game. Mom deserves a thoughtful gift. Why not make her something that she'll appreciate more, due to your efforts? Here are some easy DIY gifts all moms are sure to love. (See also: <a href="http://www.wisebread.com/30-meaningful-mothers-day-gifts-for-every-budget?ref=seealso" target="_blank">30 Meaningful Mother's Day Gifts for Every Budget</a>)</p> <h2>1. A statement necklace</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/6nTMGYflkq0" frameborder="0" allowfullscreen=""></iframe></p> <p>Have you been ignoring DIY jewelry? I have, because I'm lousy with intricate handcrafts. I had ruled that out until seeing this gorgeous <a href="https://www.youtube.com/watch?v=6nTMGYflkq0" target="_blank">DIY statement necklace</a>. And the possibilities for other styles are endless. I like the fact that even little hands could make one of these.</p> <h2>2. Indoor herb garden</h2> <p>Is your mom a fan of Mason jars? They're homey, inexpensive, practical, and can be used for pretty much anything. They also make a really great base for an indoor herb garden. If you don't have time to start herbs from seed, just transplant seedlings into the jars with soil, label them with cute stickers, and present to Mom on Mother's Day.</p> <h2>3. Decadent body scrubs</h2> <p>I'm obsessed with coconut scrub right now, but there are many scent options for making your own sugar scrubs: Coffee, raspberry, lavender, peppermint &mdash; you get the idea. They all smell amazing, are easy to make, and exfoliate the skin, leaving it healthy and glowing. Here's how to make some for Mom.</p> <p><em>Ingredients</em></p> <ul> <li>&frac12; cup of sugar</li> <li>&frac12; cup of coconut oil</li> <li>1 cup coffee grounds or few drops of essential oils, depending on chosen scent</li> <li>1 empty jar</li> </ul> <p><em>Method</em></p> <p>Mix well. Store in a tub or jar that seals tightly. Pop a pretty label onto the jar, and you're good to go.</p> <h2>4. Outdoor throw pillows</h2> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/S5sy5CrUw4U" frameborder="0" allowfullscreen=""></iframe></p> <p>Boy, do I love me some throw pillows. However, they're a little pricey (around $20 a pillow) to buy. Why not make some yourself? Head to your local fabric store and check the &quot;outdoor fabric&quot; section. Don't forget to check the remnant bin, where you might find the perfect small piece. And for these <a href="https://www.youtube.com/watch?v=S5sy5CrUw4U" target="_blank">DIY outdoor pillows</a>, you don't even need a sewing machine!</p> <h2>5. Makeup brush holder</h2> <p>I'm hoping my daughter sees this post so that she'll make me this <a href="http://centsationalgirl.com/2012/04/diy-makeup-brush-holder/#more-27423" target="_blank">DIY makeup brush holder</a>. My makeup brushes are currently without a proper home and regularly fall into the sink, which isn't great. Without a place to put your makeup brushes, they get dirtier, faster, and your makeup drawer is often in a state of chaos. Don't let Mom live like that! The sewing time for this brush holder is about one hour. It's a bonus if you can find fabric that matches her bathroom colors.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/5-diy-mothers-day-gifts-moms-will-love">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/mama-mia-mothers-day-gifts-that-show-you-really-care">Mama Mia! Mother&#039;s Day Gifts that Show You Really Care</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-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School Shopping</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/12-money-saving-tricks-to-know-before-buying-an-engagement-ring">12 Money-Saving Tricks to Know Before Buying an Engagement Ring</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-infant-nail-clippers">The 5 Best Infant Nail Clippers</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-baby-carriers">The 5 Best Baby Carriers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping DIY gifts diy mother's day gifts gift ideas gifts for mom Mother's day shopping for mom Wed, 03 May 2017 09:00:09 +0000 Marla Walters 1938296 at http://www.wisebread.com 6 Financial Gifts Mom Will Love for Mother's Day http://www.wisebread.com/6-financial-gifts-mom-will-love-for-mothers-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-financial-gifts-mom-will-love-for-mothers-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-537871137.jpg" alt="Finding financial gifts mom will love for Mother&#039;s Day" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Mother's Day is an opportunity to let Mom know just how much she means to you, but it can be hard to find the perfect gift. You know that a World's Best Mom mug and some fancy bubble bath just won't cut it &mdash; so what should you do instead?</p> <p>This year, why not give Mom the gift of money? That doesn't mean handing over a wad of cash in lieu of a present, but instead finding a gift that will help her bottom line. Here are six gift ideas for Mom that will keep on giving financially.</p> <h2>1. Start a dream fund</h2> <p>Maybe Mom has always dreamed about a trip to a certain destination, or planting the perfect garden straight out of a magazine. These things cost money, and if there's little room in the budget, it can be hard and time-consuming to save up for them. This is where you come in: Give Mom a &quot;dream fund&quot; for Mother's Day with seed money to realize her goals.</p> <p>If Mom is a crafty or creative type, you could present the fund to her with a &quot;dream board,&quot; including relevant pictures to inspire her to keep saving. She'll love adding to the board herself. You could even add a complementary gift card (such as to a home and garden store) as a finishing touch.</p> <p>You might also consider saving up for something to do together. My mother and I have always talked about traveling to Greece, so our mother-daughter dream board would include photos of the Greek Isles, illustrations from Greek mythology (which I fondly remember her teaching me when I was a child), and photos of delicious Greek food. I would then also include a gift card to an airline or cruise line as the first step in reaching our goal together.</p> <h2>2. Buy her a share of a company she loves</h2> <p>Buying shares of a company can be a lovely way to honor your mother and give her a gift she will appreciate. You can buy her a gift-ready stock with a framed certificate, or buy shares directly from the company.</p> <p>While a gift-ready stock with certificate included will set you back more money, it does provide you with something to wrap up for Mother's Day and gives her something to display. Consider buying shares of a company whose products you know Mom absolutely loves, like Starbucks, Target, Tiffany's, Hershey, or Netflix.</p> <h2>3. Give her a subscription to a financial magazine</h2> <p>If Mom has remarked that she'd like to know more about how to handle her money, then get her a magazine subscription that can help improve her financial knowledge. Buy a copy of the current issue to wrap up for her on Mother's Day.</p> <p>As for which magazine to choose, both Kiplinger's and Money are considered excellent resources for the personal finance newbie.</p> <h2>4. Donate to her favorite charity</h2> <p>What causes are close to Mom's heart? Pick a charity that you know she supports, and make a donation in her name. Not only will Mom be touched by such a thoughtful gift, but an organization in need will benefit, too. It's a win-win. (See also: <a href="http://www.wisebread.com/improve-your-giving-with-5-smart-charity-tricks?ref=seealso" target="_blank">Improve Your Giving With 5 Smart Charity Tricks</a>)</p> <h2>5. Pay a few of her bills for the month</h2> <p>Help Mom get ahead financially by offering to pay one (or a few!) of her bills for Mother's Day. This could be a mortgage payment, utility bill, medical bill, or credit card payment &mdash; anything she could use a hand with. This will take some of the budgeting burden off her shoulders, and maybe even leave her with wiggle room to treat herself.</p> <h2>6. Pay for Mom to visit a financial professional</h2> <p>Depending on what type of financial needs your mom has, you could pay for her to consult with a certified financial planner. A CFP can be an invaluable resource in helping Mom plan out her saving, investing, and retirement strategies. So how do you go about finding, vetting, and paying for such a gift? You can start by asking around your inner circle for any recommendations. If that doesn't yield any leads, you can locate a fee-only CFP (which means the planner will not be working on commission) near you via <a href="https://www.napfa.org/" target="_blank">NAPFA</a>. The fees that planners charge vary greatly, but once you have found a CFP that you like, you can ask them how much it will cost to make Mom an appointment.</p> <h2>Show mom you love her with the gift of better finances</h2> <p>Flowers fade, brunch is over all too soon, and Mom does not need yet another canister of fancy tea. For Mother's Day this year, give your mother a gift that will keep giving for years to come.</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/6-financial-gifts-mom-will-love-for-mothers-day">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/30-meaningful-mothers-day-gifts-for-every-budget">30 Meaningful Mother&#039;s Day Gifts for Every 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/4-stocks-to-buy-if-you-love-moms">4 Stocks to Buy If You Love Moms</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-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">4 Top Money Lessons to Learn From Ruth Soukup&#039;s &quot;Unstuffed&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/mama-mia-mothers-day-gifts-that-show-you-really-care">Mama Mia! Mother&#039;s Day Gifts that Show You Really Care</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/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family accountants dream boards financial magazines gifts Mom money coaches Mother's day presents professionals shares stocks Mon, 01 May 2017 08:00:08 +0000 Emily Guy Birken 1934997 at http://www.wisebread.com