Family http://www.wisebread.com/taxonomy/term/4566/all en-US 5 Great Retail Jobs for Working Parents http://www.wisebread.com/5-great-retail-jobs-for-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-great-retail-jobs-for-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-458589277.jpg" alt="Costco is a good place for parents to work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>'Tis the season, as in, the 4th quarter of the calendar year! That magical time when seasonal retail employees are needed the most, and hired en masse to meet the demand from Black Friday through January. If you have kids, try these five great retail gigs for working parents.</p> <h2>1. Patagonia</h2> <p>The best retailer for working parents could very well be Patagonia, the clothing and gear brand beloved by trekkers and puffy-vest fans everywhere. Why? They have <a href="http://time.com/money/4546719/patagonia-onsite-child-care/">free on-site child care</a> for employees. You read that right! This also means that 100% of employees return to their post after their maternity leave.</p> <p>So how do you climb your way into that gig? Well, it's not so much a seasonal gig as it is a job in their headquarters, which is in Ventura, CA. Not such a bad relocation, though.</p> <h2>2. Lands' End</h2> <p>In similar step with Patagonia, another purveyor of outdoorsy goods Lands' End also provides lots of benefits to workers. In addition to many citing its company culture as safe, fair, and open, they also boast some competitive benefits, including: <a href="http://www.landsend.com/jobs/life-at-lands-end/real-benefits/">health insurance</a>, 401K, subsidized on-site food services, a wellness center &ndash;&ndash; all great benefits for parents. Time to apply for a position now!</p> <h2>3. Wegmans</h2> <p>That's right, the supermarket chain known across the East Coast for great food and service is also a great employer. Wegmans is number four on the <a href="http://fortune.com/best-companies/wegmans-food-markets-4/">Best Companies to Work For list in 2016</a>. </p> <p>Why are they so great? Wegmans covers 85%-100% of employees' and their dependents health insurance. Many employees are even offered dental insurance. Plus, if you're a college student, they help <a href="https://jobs.wegmans.com/benefits">pay your tuition</a>. If you live in the Northeast and are looking for a job, this would be a good one. Plus, they make really delicious doughnuts.</p> <h2>4. Staples</h2> <p>Need a chain store with more locations, and most likely to be near your home? Staples is a very good option. </p> <p>Staples employees get an Aetna <a href="http://www.stapleslivewell.com/SitePages/Welcome.aspx">health insurance plan</a> for a deduction of $30 per paycheck, or $60 for those with dependents. Workers also get short-term disability insurance, and access to a service that can pair them with financial services and child care. Not too shabby!</p> <h2>5. Costco</h2> <p>If it wasn't already hard to avoid spending money at Costco, everyone's favorite bulk-everything retailer is also famously good to its employees. <a href="https://www.costcobenefits.com/">Employee perks</a> for America's second-largest retailer include: choosing your own health plan if you work over 24 hours per week, a 401K plan, an FSA account to use <a href="http://www.wisebread.com/dont-miss-out-on-this-easy-way-to-pay-for-child-care">pretax income for child care</a>, and an employee care program that includes access to mental health, and financial professionals.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/5-great-retail-jobs-for-working-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">6 Side Jobs for People Who Are Good With Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-reasons-paid-parental-leave-is-essential-for-moms-and-dads">5 Financial Reasons Paid Parental Leave Is Essential for Moms and Dads</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-retail-gigs-that-pay-well-and-offer-benefits">11 Retail Gigs That Pay Well and Offer Benefits</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Family Job Hunting benefits employers insurance part-time job retail retail job side gig side jobs working parent Thu, 01 Dec 2016 11:30:11 +0000 Amanda Meadows 1844262 at http://www.wisebread.com The 5 Best Pet Cameras http://www.wisebread.com/the-5-best-pet-cameras <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-cameras" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/puppy_camera_465470720.jpg" alt="Puppy using the best pet cameras" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you feel bad about leaving your pet alone, then a pet camera can ease the separation anxiety. It will allow you to keep an eye on your pet at all times, and you may even be able to play with them or give them treats while you&rsquo;re away (depending on the camera you choose).</p> <h2>What Is a Pet Camera?</h2> <p>A pet camera offers a fun, easy way to interact with your furry friend anywhere, anytime. The remote camera can turn your smartphone, tablet, or computer into a comprehensive video monitor. It can provide peace of mind for both you and your pet. It&rsquo;s an absolute must-have for any worried pet owner.</p> <h2>Top 5 Pet Cameras</h2> <h3>Petzi Treat Cam: Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fA3olW"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petzi.jpg" width="169" height="245" align="right" alt="" /></a>If your pet doesn&rsquo;t like to be left alone, then the <a href="http://amzn.to/2fA3olW">Petzi Treat Cam: Wi-Fi Pet Camera &amp; Treat Dispenser</a> can help ease their anxiety. The high-quality audio and video allow you to see and speak to your pet using your smart device. The interactive wide-angle camera features night vision. It can also snap a picture, which you can share on social media. You can even treat your pet anytime with the treat launcher.</p> <p>This was crowdfunded on Indiegogo and is easy to use. It has multiple mounting options, so you can place it on the floor or secure it to a wall. It has great online reviews and is recommended by Digital Trends, Safewise, and Heavy. Gizmodo only recommends purchasing this for easily amused pets.</p> <p><a href="http://amzn.to/2fA3olW"><em>Currently $149.99 on Amazon</em></a></p> <h3>Petcube Camera</h3> <p><a href="http://amzn.to/2gh3mhO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petcube.jpg" width="245" height="201" align="right" alt="" /></a>The <a href="http://amzn.to/2gh3mhO">Petcube Camera</a> will allow you to see and chat with your pet using two-way audio. The high-quality interactive WiFi camera features a 138-degree wide-angle lens and motion- and sound-detection capabilities. You can also capture and share photos and video clips. The compact camera features a sleek, elegant design with brushed aluminum and curved corners. The built-in laser toy allows you to play with your pet anytime, or you can set the autoplay mode for extra playtime. You can even share access with family and friends, in case you don&rsquo;t have time to check on your pet while you&rsquo;re away.</p> <p>If you sign up for a subscription, you can review up to 30 days of video history (a free month trial is included). This was crowdfunded on Kickstarter and is easy to use. It has great online reviews and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh3mhO"><em>Currently $139.60 on Amazon</em></a></p> <h3>Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</h3> <p><a href="http://amzn.to/2gh9U08"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pet%20scout.jpg" width="245" height="214" align="right" alt="" /></a>The <a href="http://amzn.to/2gh9U08">Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</a> allows you to monitor your pet and home at the same time. The cloud-based monitoring camera offers remote HD quality real-time video streaming and two-way audio communication with a high sensitivity microphone. You can also receive motion- and sound-triggered notifications to put your mind at ease thanks to the motion-triggered recording and image snapshots. It also features a temperature monitor and infrared night vision mode, so that you can better monitor your home while you&rsquo;re away.</p> <p>With a subscription, you can sign up for motion-triggered recorded video, which logs up to 30 days of activity. This offers a quick and easy setup, so you can begin using it within seconds. It has great online results and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh9U08"><em>Currently $77.67 on Amazon</em></a></p> <h3>Pawbo Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fJetwk"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pawbo.jpg" width="132" height="245" align="right" alt="" /></a>The interactive <a href="http://amzn.to/2fJetwk">Pawbo Wi-Fi Pet Camera Wireless Pet Treat Cam and Treat Dispenser</a> allows you to video chat with your pet, no matter where you may be. The interactive camera features a 110-degree ultra-wide camera lens, snap shot function, video recording capabilities, and two-way communication. It has multiple sound effects and a built-in interactive laser pointer with manual and automatic modes, so you can play with your pet while you&rsquo;re away. The treat dispensing system also allows you to treat your pet anytime. It also allows you to post pictures directly to your social media accounts.</p> <p>This has a modern, minimalist design and a quick, simple setup. It is recommended by Safewise and has outstanding online reviews. It is also backed by a 12-month warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2fJetwk"><em>Currently $199.00 on Amazon</em></a></p> <h3>PetChatz HD Pet Camera</h3> <p><a href="http://amzn.to/2gGHue2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petchatz.jpg" width="245" height="174" align="right" alt="" /></a>If you want to call your pet while you&rsquo;re away, then the <a href="http://amzn.to/2gGHue2">PetChatz HD Pet Camera</a> is perfect for you. With the advanced interactive capabilities, you can call your pet using two-way audio and video. The quality interactive camera is built to last and offers clear sound and image. You can watch your pet from your computer, tablet, or smartphone, and the sound and motion detection will alert you of any activity. It also dispenses treats and releases a soothing scent to diffuse separation anxiety. Over time, your pet should associate the treats and scent with your video chat.</p> <p>The pet-safe design has no corners, edges, or cords. It is easy to setup and has helpful customer service if you have any trouble. It attaches securely to your wall as a fully contained unit. It has great online reviews and is recommended by Safewise and Heavy.</p> <p><a href="http://amzn.to/2gGHue2"><em>Currently $369.00 on Amazon</em></a></p> <p>And those are our recommendations for the best pet cameras. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-pet-cameras">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-4k-televisions">The 5 Best 4K Televisions</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-selfie-sticks">The 5 Best Selfie Sticks</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-charcoal-scrubs">The 5 Best Charcoal Scrubs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping Technology 5 best cameras pet camera product reviews shopping tech tech gadgets Wed, 30 Nov 2016 11:30:07 +0000 Andrea Cannon 1844374 at http://www.wisebread.com 8 Old Holiday Traditions We Can't Believe Ever Existed http://www.wisebread.com/8-old-holiday-traditions-we-cant-believe-ever-existed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-old-holiday-traditions-we-cant-believe-ever-existed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-157689386.jpg" alt="we can&#039;t believe these old holiday traditions" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <p>We like to think of the holidays as a time when we return to time-honored traditions, but the truth is that traditions change over the years. Ask your grandparents on Thanksgiving if they spent the day the same way you do now, and you may hear some surprising stories. They might have taken to the streets wearing masks, believe it or not. And if your elders immigrated from Europe, they might tell you about the Christmas Spider, who spread holiday cheer all over the world. Yeah.</p> <p>And that's not all. Here are some of the craziest old holiday traditions we could find.</p> <h2>Thanksgiving</h2> <p>Think shopping is the weirdest thing anyone has ever done on Turkey Day? Even the newest holiday on the calendar has plenty of oddities in its past.</p> <h3>1. Pray All Day</h3> <p>You might spend the fourth Thursday in November watching football and eating, but the holiday's concept springs from Calvinist Thanksgivings, which were days set aside for <a href="http://www.plimoth.org/learn/multimedia-reference-library/read-articles-and-writings/thanksgiving-history">nonstop prayer</a>. These weren't annual events. They were not to be held on Sunday &mdash; which could be why we celebrate Thanksgiving on a weekday.</p> <p>When the first national Thanksgiving was announced in 1777, the <a href="http://www.pilgrimhallmuseum.org/pdf/TG_First_National_Thanksgiving_Proclamation_1777.pdf">Continental Congress</a> specified that no &quot;recreation&quot; was allowed; instead folks should devote the time off to &quot;Confession of their manifold Sins.&quot;</p> <h3>2. Fast, Not Feast</h3> <p>Sometimes a Thanksgiving was set aside as a feast day, but other times for eating nothing at all. After the Union victory at Gettysburg, President Lincoln <a href="http://rogerjnorton.com/Lincoln99.html">set aside the last Thursday of September</a> of 1863 as &quot;a day of humiliation, prayer, and fasting for all the people of the nation.&quot; Later that year, Lincoln declared another Thanksgiving, during which grateful northerners fed turkey dinners to troops.</p> <h3>3. Masquerade</h3> <p>Going out to the mall on Thanksgiving Day is seen as breaking the tradition of spending it at home with family, but surprisingly, it was once popular to take to the streets on T-Day. Not to shop, but to <a href="http://www.npr.org/sections/theprotojournalist/2014/11/19/365195079/when-thanksgiving-was-weird">show off your festive mask</a>.</p> <p>&quot;The chief feature of the day was the street charivari,&quot; reads an 1899 New York Times article. Charivari? Pronounced &quot;shivery,&quot; a charivari is a rowdy masked parade. Masks depicted everything from fictional characters to caricatures of ethnicities: &quot;Fausts, Filipinos, Mephistos, Boers, Uncle Sams &hellip;&quot; There were also boys in drag.</p> <h3>4. Dressing Up as Native Americans</h3> <p>When I was a child, my kindergarten teacher set up a teepee in our classroom, and we donned headdresses and banged drums. Luckily, most schools have at least toned down this inaccurate and offensive cultural appropriation, and many <a href="http://articles.chicagotribune.com/2003-11-22/news/0311220160_1_native-americans-costumes-stereotypes">schools have eliminated</a> any trace of pilgrim and Native American costumes or craft projects.</p> <h2>Christmas</h2> <p>Leaving veggies out for Santa's reindeer might seem like a strange modern tradition, but oh boy, old school traditions were so much weirder.</p> <h3>5. Santa's Sidekicks</h3> <p>In modern America, usually only benevolent Santa Claus surveilles child behavior. But in Europe, a tradition dating back hundreds of years gives St. Nick a darker counterpart, half-goat, half-man <a href="http://news.nationalgeographic.com/news/2013/12/131217-krampus-christmas-santa-devil/">Krampus</a>, who punishes children that don't make Santa's &quot;nice&quot; list. In the Netherlands even today, Santa arrives with a helper called <a href="http://www.telegraph.co.uk/news/worldnews/europe/netherlands/11996588/Dutch-Black-Pete-makes-annual-arrival-to-howls-of-protest.html">Black Piet</a>, who, despite growing protests and an obvious level of offensiveness, is a white person in blackface. Other European countries also have bizarre St. Nick helpers, including &quot;The Whipping Father&quot; in France.</p> <h3>6. Candles on the Tree</h3> <p>As if bringing a dead tree into your living room isn't enough of a <a href="http://wrfmc.com/Fire_Museum/Fire_Safety_files/Holiday%20Fire%20Safety%20Tips.pdf">fire hazard</a> &mdash; the original twinkling holiday lights were flaming candles, and were all the rage in <a href="http://mentalfloss.com/article/26585/brief-history-christmas-tree-lights">Germany in the 1600s</a>.</p> <p>Wasn't that dangerous? Oh yes. A Chicago hospital burned to the ground because of tree candles, and in 1908 insurance companies tried to ban them.</p> <h3>7. O Holy Fright</h3> <p>Folks in Eastern Europe have seen hard times &mdash; sometimes so hard that families could not afford to decorate the holiday tree. Not to worry! The <a href="http://www.whychristmas.com/customs/trees.shtml">Christmas spider</a> will cover it with cobwebs, which ideally the magic of Christmas transforms into silver and gold tinsel by morning. It's not recorded whether children would leave a plate of dead bugs for the Christmas spider to snack on.</p> <h3>8. J-E-L-L- Oh Heck No</h3> <p>In the '50s and '60s, gelatin molds were all the rage, leading disturbing &quot;festive&quot; meal items such as the <a href="https://www.buzzfeed.com/rachelwmiller/truly-horrifying-vintage-holiday-recipes?utm_term=.jkVz4Mbmj#.vqnJdeZRP">Vegetable and Tuna Jell-O Wreath</a>. Then there's this <a href="http://www.foodtimeline.org/christmasmenu.html#50christmas">1956 &quot;red&quot; themed dinner menu</a> that includes &quot;salmon pudding.&quot; Yikes.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/8-old-holiday-traditions-we-cant-believe-ever-existed">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-holiday-pet-dangers-to-avoid">11 Holiday Pet Dangers to Avoid</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-thanksgiving-traditions-you-should-skip">5 Thanksgiving Traditions You Should Skip</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-cheap-and-delicious-punch-recipes-for-holiday-parties">15 Cheap and Delicious Punch Recipes for Holiday Parties</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-frugal-christmas-decorating-hacks">14 Frugal Christmas Decorating Hacks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/people-who-love-christmas-do-these-9-things-do-you">People Who Love Christmas Do These 9 Things — Do You?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Home Christmas feast frugal living holiday traditions Holidays religion Thanksgiving traditions Tue, 22 Nov 2016 10:00:08 +0000 Carrie Kirby 1837833 at http://www.wisebread.com 7 Frugal Living Skills You Should Be Teaching Your Children http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-frugal-living-skills-you-should-be-teaching-your-children" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kid_education_money_45175586.jpg" alt="Kid learning frugal living skills from parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all want to pass our frugal living skills on to our kids, but what lessons are most important? How specific should we get? How soon should we start? Don't sweat the details. Sometimes the most important frugal living skills aren't financial skills at all &mdash; they're life skills that serve us well in dozens of ways. Here are seven frugal living skills you should be teaching your children, no matter how young or old they are.</p> <h2>1. Patience</h2> <p>The ability to delay gratification is the foundation of frugality. It gives us space to mentally separate our needs from our wants, time to find the best deals, and &mdash; most importantly &mdash; a chance to let momentary impulses pass us by.</p> <p>As with most lessons, patience is easier to embrace when taught early. For items your kids want, build in wait times that are dependent on their own effort (grades, chores around the house, or progress toward their own personal goals). If their wants change during that time, which is inevitable with children, complete the lesson by pointing how the slight delay translates into dollars saved. (See also: <a href="http://www.wisebread.com/8-ways-being-patient-saves-you-money?ref=seealso">8 Ways Being Patient Saves You Money</a>)</p> <h2>2. Self-Confidence</h2> <p>Here's the dirty little secret that keeps our consumer culture thriving: Advertisers and marketers hate personal confidence and they do everything in their power to knock our self-image off kilter. Every day, we face a barrage of neuroses-inspiring messages that tell us we have the wrong car, wrong clothes, dull hair, bad breath, and hopelessly yellow teeth.</p> <p>Instilling a strong sense of self-confidence can help kids avoid falling victim to these messages for the rest of their lives &mdash; and sacrificing a large part of their personal wealth in the process. Seize every opportunity to reinforce the idea that your kids are fine just the way are and model that truth yourself. Then, when age-appropriate, pull back the advertising curtain. Point out how commercial messages are artfully crafted to make us all spend more than we should by making us all feel less than we are. (See also: <a href="http://www.wisebread.com/3-ways-confidence-makes-you-better-with-money?ref=seealso">3 Ways Confidence Makes You Better With Money</a>)</p> <h2>3. Collaboration</h2> <p>In our hyper-consumer culture, collaborating and sharing are revolutionary acts because they slightly erode the need for more. Why buy your own lawn mower if you can borrow one from a close neighbor? Likewise, why should your neighbor buy a snowblower if he can use yours a few times a year?</p> <p>Encourage sharing at an early age by helping your kids develop strong communication skills, showing them how to make and honor agreements, and teaching them how to be good stewards of what they (and others) own.</p> <h2>4. Creativity</h2> <p>Making do with less takes creativity and ingenuity. It's how the moms and dads of yesteryear stretched meals, made new clothes from old, bartered for goods, and kept life going on what was often a shoestring budget. Foster your children's imagination with free-form toys, unstructured play, and arts and crafts &mdash; anything that gets them moving, thinking, and exploring new ideas.</p> <h2>5. Negotiation</h2> <p>Knowing how to negotiate on price, payment terms, and extras can save a person thousands of dollars over a lifetime. Teach <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master">essential negotiation skills</a> by example; take your kids with you to flea markets, yard sales, and the used car lot &mdash; any venue where a bit of friendly haggling is expected. Show them how to use to research to their advantage, develop a rapport with sellers, and be fair but fearless in what they ask for.</p> <h2>6. Contentment</h2> <p>Much like low self-confidence, discontentment moves product. Keeping consumers in a constant state of desire is how retailers sell us more than what we need. To complicate matters, teaching children to be content is tricky business in America because we're all afraid of sapping their motivation. While encouraging kids to strive for more is important, make it less about things and money. Instead, help them focus on achieving their personal goals, expanding their experiences, appreciating the moment, and building rich friendships.</p> <h2>7. Individuality</h2> <p>In a world where consumerism and consumer debt is a way of life, choosing a different path takes a steely sense of self. Promoting a spirit of individuality in children helps them cope with &mdash; and even celebrate &mdash; being different. Point out how your family's own spending and saving habits go against the grain and don't be afraid to show the benefits (monetarily and otherwise) of your simpler, saner lifestyle. It will serve them well for the rest of their lives.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/3-good-money-examples-every-parent-should-set">3 Good Money Examples Every Parent Should Set</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/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-expenses-you-should-never-cut">8 Expenses You Should Never Cut</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-parenting-mistakes-everyone-makes-but-no-one-talks-about">7 Parenting Mistakes Everyone Makes But No One Talks About</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-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family children family frugal living lessons life lessons money lessons parenting parenting tips skills Tue, 15 Nov 2016 09:00:08 +0000 Kentin Waits 1833153 at http://www.wisebread.com How to Manage Your Money During a Spousal Separation http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-manage-your-money-during-a-spousal-separation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/rope_cash_stretched_23510828.jpg" alt="Learning how to manage your money during a spousal separation" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When your marriage isn't working out, a separation might be in order. While you might not be certain whether you'll reconcile or move forward with a divorce, there is still an important matter that needs to be addressed together &mdash; your finances.</p> <p>Dealing with finances in a separation can be messy and lead to a lot of arguments. Use these tips to help you and your spouse manage your money during a difficult time.</p> <h2>1. Don't Be Afraid to Get Help</h2> <p>If you and your spouse cannot sit down and talk about your finances without raising your voice, then seek help. A marriage counselor can help you hear each other out and keep the room calm.</p> <p>Talking with a family law attorney can help you understand how costly a divorce can be and give you both a better idea of where you would be financially if you made your split official.</p> <p>Finally, a financial adviser can provide insight on the ramifications of separation and divorce. The goal is to leave both of you in a stable financial situation if you do make your split final. Look for a financial adviser that has some experience dealing with separation or divorce cases. (See also: <a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-divorced?ref=seealso">5 Money Moves to Make the Moment You Decide to Get Divorced</a>)</p> <h2>2. Establish a New Budget</h2> <p>It is important to establish a new budget together. For couples without children, this should be relatively easy. You should each be responsible for half of all shared bills, and agree to take care of your own food and shopping needs.</p> <p>When children are involved or when one spouse does not earn income, then establishing a new budget can be tricky. You have to both admit that you cannot enjoy the same luxuries during this time of separation. Basic bills need to be paid, and of course, all of your children's needs should be met.</p> <h2>3. Aim for Financial Independence</h2> <p>Close as many accounts possible that contain both of your names. If you pay off and cancel credit cards in both of your names, it can protect you from taking on further debt if you move forward with divorce.</p> <p>Having separate checking accounts can also make life easier. If both of you earn a paycheck, set up direct deposit into each of your own accounts.</p> <h2>4. Deal With Mutual Debt</h2> <p>If you decide to move forward with a divorce, know that your debt might be split down the middle along with your assets. Any debt, including student loan debt that was taken on after saying &quot;I do,&quot; is considered mutual property. This means you can get stuck paying off debt that your spouse essentially racked up.</p> <p>While you are still together, make it a goal to tackle your debt. Agree on an amount that each of you should pay toward the debt each month. If money is tight, try putting saving goals on hold for a few months.</p> <p>If managing mutual debt payments is becoming a hard task for you, both of you can apply for a free or low-fee <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal">balance transfer card</a> to split up the debt in your own name. You can do this with a personal loan, as well. The point is to split the debt and put it in each of your names so that you can eventually close out accounts that are in your shared name. This can prevent your spouse overusing a credit card for revenge purchases.</p> <h2>5. What About the House?</h2> <p>If your house is too expensive for either of you to keep separately, then you need to consider selling it. Taking your home into a divorce can be messy and complicated. A divorce can also put a tight deadline on both of you to sell your home, causing you to get less than the full value for it.</p> <p>If you cannot sell your home for the value of the property, try renting it out to pay the mortgage payments. This can take a huge burden off your shared financial situation and you can wait to sell at a better time. If you end up staying together, your home is still there for you to live in.</p> <p>If you both want to live in the house while separated, then you need to know your state's laws. When you file for a divorce, you will need to establish a point of separation. Some states count that point as when one spouse announces they want to pursue divorce, while other states require proof of living separately. (See also: <a href="http://www.wisebread.com/heres-what-happens-to-a-mortgage-in-a-divorce?ref=seealso">Here's What Happens to a Mortgage in a Divorce</a>)</p> <p>Nothing about separation or divorce is ever simple. Every couple's situation will be different based on finances and personalities. Dealing with a hard spouse is not easy, but going through a divorce isn't always the quick fix that it appears to be, either.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation">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/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</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/does-divorce-affect-your-student-loans">Does Divorce Affect Your Student Loans?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-divorced">5 Money Moves to Make the Moment You Decide to Get Divorced</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/4-ways-to-make-the-most-of-your-student-loan-grace-period">4 Ways to Make the Most of Your Student Loan Grace Period</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family advisers budgeting counselors debt divided assets divorce financial help loans marriage separation Fri, 11 Nov 2016 10:00:08 +0000 Ashley Eneriz 1830852 at http://www.wisebread.com 6 Ways to Get College Kids Home for the Holidays for Cheap http://www.wisebread.com/6-ways-to-get-college-kids-home-for-the-holidays-for-cheap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-get-college-kids-home-for-the-holidays-for-cheap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_traveling_together_58534620.jpg" alt="Finding ways to get college kids home on the cheap" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Kid off to college this year? You're already feeling the pinch on your budget as he or she starts their (fingers crossed) four-year career, but there are perhaps a few expenses you may have overlooked during all the hustle and bustle &mdash; like how your little smarty pants will get home during breaks and holidays. To keep these travel costs manageable, consider these inexpensive ways.</p> <h2>1. Cash in Miles for Free Flights</h2> <p>In all the years you've been saving those airlines miles for the vacation of a lifetime, I bet you never thought you'd have to compromise them by bringing your kid back and forth from college for holiday breaks. Yeah, it sucks, but when they graduate and land that high-paying job, they'll totally pay you back&hellip; right?</p> <p>While you hold your breath on that prospect, consider consulting <a href="http://www.rewardexpert.com/">RewardExpert</a>, which helps travelers create easy-to-follow strategies by developing customized points earning plans and maximizing frequent flyer rewards. The service makes it easy to earn free tickets in just a few months, or help you make the most of what you already have.</p> <h2>2. Carpool With Someone Headed the Same Direction</h2> <p>I often carpooled with friends to and from college who lived at least somewhat close to my home. I'd offer gas money for the ride, and my parents would pick me up from their homes so they didn't have to go out of their way to drop me off at mine. Your kids can do the same thing the old-fashioned way by asking their friends for a ride, or &mdash; if they don't have any friends who live within driving distance of where you're from &mdash; suggest that they post an ad on Craigslist or a community or school message board looking for a driver.</p> <p>Alas, if that's too 20th century for them, there's <a href="http://thecollegecarpool.com/">College Carpool</a>, one of a handful of services that allow students to connect with others driving the same direction through private pages for each college. Through forums, students can find available rides, or proactively request one.</p> <h2>3. Enroll in a Car Share</h2> <p>Does your kid prefer to take the wheel, but they don't have a car of their own on campus? Nowadays they can sign up for car-sharing services, which help eliminate the issue of not being able to rent a car from traditional services (like Alamo) that usually require drivers to be at least 25 years old. Car-sharing services like <a href="http://www.zipcar.com/universities">Zipcar</a> and <a href="https://www.enterprisecarshare.com/us/en/home.html">Enterprise CarShare</a> are available to university students, and monthly fees are low. Once registered, students can reserve a car whenever they need one. This is a helpful convenience especially around the holidays when the rest of the family is busy with their own day-to-day concerns.</p> <h2>4. Hop on the Bus</h2> <p>I never took the bus home from college &mdash; that eight-hour ride didn't much appeal to me, plus I had awesome friends who didn't mind giving me a lift &mdash; but when I moved to Manhattan without a car in my mid-20s, I often hopped on a Greyhound to get back to my hometown of Baltimore. It was convenient, fast, and, most importantly, cheap.</p> <p>Thus, if you live a reasonable distance from child's university and they don't mind tight quarters, this may be a good option for you and your family. It's actually a rather relaxing ride once you get situated; most modern bus services, including BoltBus and Megabus, feature free WI-FI, power outlets, and even reclining seats. Smaller-scale regional buses, like <a href="http://www.coachusa.com/info/shortline/ss.studentdiscounts.asp">Short Line</a>, also offer student discounts.</p> <h2>5. Travel by Train</h2> <p>If booking your kid a bus ticket isn't an option, perhaps riding the friendly rails is a more accommodating compromise. <a href="https://www.amtrak.com/student">Amtrak</a> provides service from 500 destinations in 46 states, and it offers a 15% student discount along with the opportunity to earn points toward free travel. Amtrak is the only nationwide rail-service, which means you don't have any other options for train travel, unless you can work your regional lines to your advantage if they exist.</p> <h2>6. Get Creative</h2> <p>You don't always have to choose one option over another. Sometimes you can use a few different methods &mdash; like a bus to a train or a train to a plane, for instance. Look for the best deals among the types of transportation available to you and plan your student's trip home accordingly. It may take some time to plan and settle on the most efficient and cost-effective method, but it's worth it &mdash; especially when you consider how often you may have to do this over and over again in the next four (or five or six) years.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-to-get-college-kids-home-for-the-holidays-for-cheap&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%20Ways%20to%20Get%20College%20Kids%20Home%20for%20the%20Holidays%20for%20Cheap.jpg&amp;description=6%20Ways%20to%20Get%20College%20Kids%20Home%20for%20the%20Holidays%20for%20Cheap" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Ways%20to%20Get%20College%20Kids%20Home%20for%20the%20Holidays%20for%20Cheap.jpg" alt="6 Ways to Get College Kids Home for the Holidays for Cheap" 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/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-ways-to-get-college-kids-home-for-the-holidays-for-cheap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-graduate">5 Money Moves to Make the Moment You Graduate</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/get-the-most-from-your-airline-miles-in-these-5-overlooked-cities">Get the Most From Your Airline Miles in These 5 Overlooked Cities</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/5-lessons-that-teach-your-kid-to-be-their-own-boss">5 Lessons That Teach Your Kid to Be Their Own Boss</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-to-make-as-soon-as-the-kids-move-out">7 Money Moves to Make as Soon as the Kids Move Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Family Travel carpooling college flights holiday breaks kids moving home public transportation rewards miles teens trains young adults Wed, 09 Nov 2016 10:00:13 +0000 Mikey Rox 1806658 at http://www.wisebread.com 3 Good Money Examples Every Parent Should Set http://www.wisebread.com/3-good-money-examples-every-parent-should-set <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-good-money-examples-every-parent-should-set" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_19397725_MEDIUM.jpg" alt="every parent should set these money examples for their kids" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Here's a scary statistic for you: <a href="https://corporate.troweprice.com/Money-Confident-Kids/images/emk/2016pkmresultsdeckfinal-160322181149.pdf">71% of parents are reluctant</a> to discuss financial matters with their kids. I think the reason so many parents hold back from talking about money with their children is because they feel like they have nothing to offer. Or that kids don't need to learn about money until they're old enough to get a job. But there's a great deal they can learn from you during their younger years.</p> <p>No matter what your financial situation is, how much debt you have, or what you make per year, you can master better financial habits that your kids can learn from. Lead by example with these three important practices.</p> <h2>Maintain a Giving Heart</h2> <p>When your kids are driving you nuts, and you just want to get from your car into the store or restaurant as fast as possible, someone begging for money can seem like an inconvenience. It can be tempting to blow off the person with thoughts like, <em>Get a job</em>, or <em>I don't even have enough money for my own family.</em> Instead, offer to buy the person a meal at the restaurant or a grocery item at the store you are about to enter.</p> <p>This shows your children how to be giving and thoughtful of others. If the person does accept your offer, you can turn it into a simple teaching moment with your children. Say something like, &quot;You know how we always have food to eat or how you have a bed to sleep in? Some people don't have anything.&quot;</p> <p>Many times, the person in need will just want money. This is another great teachable moment. Encourage your children to help meet basic needs, but to not just foolishly throw their money at people. This goes for both homeless people and friends/family members who try to take advantage of others.</p> <h2>Avoid Impulse Buys</h2> <p>We see it in places like Target all the time: A child begs for every toy or sparkly thing. While the mother says, &quot;no&quot; firmly, she also has no reserve as she tosses a cute blouse and table décor into her cart.</p> <p>I'm guilty of this, too. I'm pretty good at keeping my children in check with impulse buys at the store, but I didn't immediately realize that I needed the same lesson. Now when we shop, and my four-year old asks if we can buy something, I try to make that a teachable moment for both of us. I say, &quot;Honey, I know you want a lot of things here, and so do I, but it is so important for us to buy only what we need today.&quot;</p> <p>Does this mean you can never buy anything fun? Of course not. But plan and budget for the fun items, including your children in the process. Maybe saying something like, &quot;Today we are going to pick out some holiday decorations. Our budget is $20 today. Can you help me pick out something?&quot;</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/5-easy-things-science-says-you-should-do-for-your-family?ref=seealso">5 Easy Things Science Says You Should Do for Your Family</a></p> <h2>Set Financial Goals</h2> <p>Goals are extremely important in life. I'm not talking about vague and lofty goals such as, getting out of debt or saving $20,000 by January 1. You need to set concrete goals that have actionable steps, and keep progress of your goals until completion. Don't be afraid to tell older kids what your financial goals are for the year, and give them progress reports. It is important for children to learn that they can accomplish a huge variety of tasks &mdash; saving money, getting healthy, learning a skill, etc. &mdash; if they set and follow through with their goals.</p> <p>To make this a family matter, come up with a fun vacation you can take together. Figure out the cost (don't forget to budget in money for unexpected extras) and the date. For example, if you are planning on spending $2,500 for a weekend vacation in six months, then you would need to save about $100 each week. Make it a fun game by drawing a chart that tracks progress.</p> <p>Another way to help your child understand how to set financial goals is to have them set their own. For example, if they want a certain toy at the store, figure out how much it will cost. Then make a savings jar and a progress chart for them that relates to how much they earn per week through chores. Frugal-mama.com has a&nbsp;<a href="http://www.frugal-mama.com/wp-content/uploads/2010/01/FrugalMamaSavingsProgressThermometerChart.pdf">free savings goal printable</a> to help you track progress.</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night?ref=seealso">8 Reasons Frugal Families Love Boardgame Night</a></p> <p>Whether you don't want to burden your kids with your financial woes or you feel like you don't have enough information to give them, think again. You don't have to share every money worry or goal with them, but show them how you manage money and teach them basic financial fundamentals in a fun manner.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/3-good-money-examples-every-parent-should-set">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</a></span> </div> </li> <li class="views-row views-row-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/8-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family finances financial lessons kids lead by example money lessons parenting Thu, 27 Oct 2016 09:30:25 +0000 Ashley Eneriz 1821540 at http://www.wisebread.com How to Keep Your Kid's Rich Friends From Ruining Your Budget http://www.wisebread.com/how-to-keep-your-kids-rich-friends-from-ruining-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-keep-your-kids-rich-friends-from-ruining-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/iStock_22114837_MEDIUM.jpg" alt="don&#039;t let your kid&#039;s rich friends ruin your budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every year, your child will make new friends at school or in their social activities. This can be a great thing, but what happens when your child makes a new rich friend? As an adult, it can be difficult to <a href="http://www.wisebread.com/6-ways-greed-is-keeping-you-poor">resist the urge to keep up</a> with wealthier friends. For a child, it can be even more difficult to understand and accept. Here's how to keep your child in a frugal mindset.</p> <h2>Show Them That Time is More Valuable Than Money</h2> <p>Spending more time with your child is more important than helping them keep up with their wealthier classmates. Children crave time and love; this is what memories are made of. They won't remember the expensive pair of shoes you bought them or the electronics they had in middle school. They will remember the time you all went camping or how you cooked dinner together every night.</p> <h2>Emphasize Experiences</h2> <p>Enroll your child in sports, summer camps, and free local child activities. They'll make new friends, have unforgettable experiences, and gain new skills. Fun experiences like these will quickly make them forget about what their rich friend has.</p> <h2>Focus On the Important Things</h2> <p>Focus more on what they <em>can</em> have and what makes those things special. Every item they own should feel like it's truly special and meant just for them.</p> <h2>Teach the Value of a Dollar</h2> <p>You can make this awkward moment a great learning experience. Set up an allowance system so your child can earn small amounts of money for completing chores or doing well in school. Depending on their age, you can also suggest that they begin with small jobs like baby-sitting, pet-sitting, or mowing the neighbors' lawns to make a little extra cash. You can also encourage them to start their own savings account and balance a checkbook. This will help them to better appreciate that money goes quickly and it can distract them from feeling inadequate.</p> <p>By earning their own money, they'll feel like the money is theirs to control. You can let them know that they can buy what they want, as long as they have their own money for it. Not only will they have something to look forward to, but it'll help them better understand the value of a dollar and how hard work can pay off.</p> <h2>Don't Give In</h2> <p>It may seem like the easy answer is to purchase your child something that they've been asking for, but this isn't the right approach. Not only will it throw your budget off, but it will only make your child feel better for a little while. Soon enough, they will want something else to keep up with their friends, and you'll be right back to square one. You can also remind them that their birthday or the holidays are right around the corner and they will be receiving gifts at that time. By the time the holiday rolls around, they probably won't want with they're asking for now anyway.</p> <h2>Ask for Hand-Me-Downs</h2> <p>Ask your friends and family for hand-me-downs from their older children. Your child will never know the difference and can benefit from clothes, shoes, and toys that feel like new.</p> <h2>Create Teachable Moments</h2> <p>You can always teach your child so much more than you can buy them. When your child begins asking financial questions, the key is to teach them how to be grounded and smart about money. Consider explaining to them what you're currently saving for, such as their college education or a family vacation. If they know there's a reason for a budget, they won't feel like they're missing out, but instead, can see the bigger picture.</p> <p>Most importantly, you need to be honest with your child, and phrase it in a way they'll understand. Explain to them that they'll always have everything they need, and whenever you can, you purchase them things that they want. Providing your child with the best upbringing possible has nothing to do with what you buy them &mdash; it's about the experiences and love you give them. Teach your child that the most important things are these familial bonds &mdash; not material possessions.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-keep-your-kids-rich-friends-from-ruining-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-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-things-that-money-just-cant-buy">The things that money just can&#039;t buy</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/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-being-rich-mean-to-you-anyway">What Does Being Rich Mean to You Anyway?</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/buy-baby-bunting-but-dont-pay-full-price">Buy Baby Bunting... But don&#039;t pay full price!</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/declare-a-frugal-friday-fun-night">Declare a Frugal Friday Fun Night</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family Lifestyle frugal parent making money material things rich friends shopping wealth Fri, 21 Oct 2016 10:30:09 +0000 Andrea Cannon 1817123 at http://www.wisebread.com Calculate the "Stock Up Price" to Save on These Baby Essentials http://www.wisebread.com/calculate-the-stock-up-price-to-save-on-these-baby-essentials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/calculate-the-stock-up-price-to-save-on-these-baby-essentials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/90635409.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>There is no question about it, babies are expensive. Cute, but expensive. One way to minimize the cost of caring for your baby is to stock up on essentials when they are at a &quot;Stock Up Price.&quot;</p> <p>&quot;Stock Up Price&quot; is the term given when a price point on an item is so low that you should buy several months' worth at one time. Of course, I am not suggesting you turn your garage or closets into a scene from <em>Extreme Couponing</em>. However, by buying extra baby essentials during great deals, you will save yourself money throughout the whole year. Also, it is always nice to avoid last minute runs to the store at closing time to buy baby items. (See also: <a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke?ref=seealso">24 Tips for Having a Baby Without Going Broke</a>)</p> <h2>Diapers</h2> <p>The funny thing about diapers is that when your little one goes up a size, the diaper box comes with less &mdash; and yet, you still pay more. The smaller the diaper, the cheaper it is, but usually the more you will use.</p> <p>For example, newborn diapers cost around .27 cents per diaper without sales or coupons, and size 5 diapers cost .38 cents per diaper (based off Target's current prices). However, newborns can easily go through 10 to 12 diapers a day (costing $2.70 to $3.24 a day). My 19-month old wears a size 5, but she only requires about five or six diapers a day (costing $1.90 to $2.28 per day).</p> <p>Here is a good stock up price list:</p> <ul> <li>Newborn: Under .15 cents per diaper</li> <li>Size 1: Under .15 cents per diaper</li> <li>Size 2: Under .16 cents per diaper</li> <li>Size 3: Under .19 cents per diaper</li> <li>Size 4: Under .20 cents per diaper</li> <li>Size 5: Under .20 cents per diaper</li> <li>Size 6: Under .21 cents per diaper</li> </ul> <p>To save the most money on diapers, stock up when they are at or below the above price. The easiest way to do this is to stock up during a good sale. My favorite places for finding diaper deals are Amazon and Target.</p> <p>Many times Amazon will have coupons on their diapers, which can be combined with Subscribe &amp; Save. The only problem with Subscribe &amp; Save is that you have to wait for your shipment within three to four weeks. I just purchased a box of 160 size 5 Pampers for $30.81 (this price included tax), or about .19 cents a diaper.</p> <p>When you see a phenomenal deal, stock up on other sizes, too. For those who are pregnant or with newborns, I don't suggest stocking up on diapers past size 4. My first child was tiny and ended up being potty trained early, so she only wore a box of size 4 before she was out of diapers all together.</p> <h2>Formula</h2> <p>I don't suggest stocking up on formula until you know if your baby takes a certain brand. With my first baby, we went through about 10 different formulas before we found one that didn't upset her stomach.</p> <p>Once you find the formula your baby likes, then I would stock up on it anytime you could get it 50% off. Since baby formulas vary greatly by brand and unique baby need, I won't give a set stock up price.</p> <p>With my first, we used Similac Sensitive, and I would try to combine coupons with Similac's formula checks and store deals to get the $25 tubs below $12 to $13 and buy five or six at a time. With my second, we used Baby's Only Organic Lactorelief formula for almost her whole infancy. It was tricky to save money on this formula because it was an online-only item and it did not come with coupons or formula checks. Instead, I got the $13.29 can of formula down to $8 or $9 by buying in bulk from third-party companies or using Jet.com promotional codes and coupons.</p> <p>When you stock up, be sure to look at expiration dates.</p> <h2>Baby Food</h2> <p>For jarred baby food, stock up when you can get the price from .25 cents to .35 cents a jar. Squeezable food pouches are a great deal at .25 cents to .40 cents (expect to pay more for the organic varieties). You can find great deals on baby food by matching store coupons with manufacturer coupons. I advise only stocking up on flavors you know your baby loves. If you happen to score a bunch of cheap jars of pureed carrots or prunes, and your baby hates them, don't worry. You can hide the purees in smoothies, baked goods, or soups instead.</p> <h2>Wipes</h2> <p>Wipes are one baby essential that every parent needs. You might be able to breast-feed, cloth diaper, and even make your own baby food, but admit it &mdash; there will always be a time you need a disposable wipe. Stock up on wipes when they are about .01 cents to .015 cents per wipe, or less than a $1 per package of 72 or more.</p> <p>Sometimes you can get the price on the wipes down to the stock up price on Amazon, but it is easier to do in-store at CVS or Target when there are store coupons and manufacturer coupons that you can combine.</p> <p>The idea is to stock up on baby essentials at the lowest price possible so that you don't have to pay full price. If you regularly stock up on baby essentials at 50% off retail price, then you can easily save hundreds of dollars on your first year as a parent. If you have leftovers, just donate them to a local orphanage or pregnancy center and write it off on your taxes.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/calculate-the-stock-up-price-to-save-on-these-baby-essentials">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stores-with-the-best-price-matching">10 Stores With the Best Price Matching</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping babies baby food Bulk buying children deals diapers discounts formula stock up price Wed, 19 Oct 2016 09:30:29 +0000 Ashley Eneriz 1813255 at http://www.wisebread.com 8 Best Sites to Help Your Kids Learn About Money http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-best-sites-to-help-your-kids-learn-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/mother_daughter_breakfast_64728213.jpg" alt="Finding best sites to help your kids learn about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Teaching your children about money is an important, yet often overlooked area of education. Most kids will not want to sit through a lecture about credit card usage and budgeting practices, but they might be more willing to listen to interactive videos and games. These sites make learning about money and money management fun and enjoyable.</p> <h2>1. Biz Kids</h2> <p><a href="http://bizkids.com/">Biz Kids</a> offers short and interesting videos aimed toward middle schoolers. These videos cover a wide range of topics from young entrepreneurs to starting a business to different money personalities. For teachers and home-schoolers, there are coordinating lessons that go with the videos. The site also has three different games &mdash; Break the Bank, Bring Home the Bacon, and Dollar a Glass &mdash; which allow kids to try their hands at running a virtual lemonade stand.</p> <h2>2. Rich Kid, Smart Kid</h2> <p>The <a href="http://www.richkidsmartkid.com/">Rich Kid, Smart Kid</a> site was created by The Rich Dad Company, the brand behind the popular book, <a href="http://amzn.to/2chdAMF">Rich Dad, Poor Dad</a>. The site comes with four interactive games: Jesse's Ice Cream Stand, Reno's Debt Dilemma, Ima's Pay Yourself 1st, and Jesse's Big Change. The site has fun graphics and is kid-friendly to use. For parents and teachers, there are teaching resources for every age level.</p> <h2>3. Lemonade Tycoon</h2> <p>While not technically a site, <a href="http://www.shockwave.com/gamelanding/lemonade.jsp">Lemonade Tycoon</a> is an addicting game that shows kids the way to build a business from the bare minimum to franchise status. This game can help show children that in order to grow a business, you need to strike a balance between profits and investments. Kids will also learn that there is a fine balance between product cost, product quality, and product success. For example, adding more water to the lemonade will bring down costs, but it can also drive away customers. On the other hand, using a lot of sugar in the lemonade will cost more and gain more sales, but the profit margin is smaller.</p> <h2>4. H.I.P. Pocket Change</h2> <p><a href="https://www.usmint.gov/kids/">H.I.P. Pocket Change</a> focuses less on money management and more on the history of coins worldwide. The site has several games and cartoons that teach how a coin is made and other important dates in coin history. There are also a lot of great resources for kids interested in coin collecting.</p> <h2>5. Sense &amp; Dollars</h2> <p>The <a href="http://senseanddollars.thinkport.org/">Sense &amp; Dollars</a> site has several interactive calculators. The site calls them games, but they are simply calculators that require little input. The Saving Money section of the site is most helpful, especially the Show Me the Money calculator, which shows how much an investment will grow in different saving accounts. The Charge game is also useful since it can show your child how much something costs when you charge it and then make minimum payments. On the other hand, The Makin' the Bacon calculator is extremely outdated and does not factor in taxes or SSI taken out of each paycheck.</p> <h2>6. It's My Life</h2> <p><a href="http://pbskids.org/itsmylife/money/">It's My Life</a> from PBS Kids offers advice, shows, and games for all areas of life. The money section is small, but there is a game called Mad Money. There is also a lot of helpful advice for older kids that want to get started in babysitting.</p> <h2>7. Credit Card Simulator Game</h2> <p>This <a href="https://www.channelone.com/feature/credit-card-simulator-game/">Credit Card Simulator</a> game from Channel One allows kids to get a virtual platform card and virtually shop in the game's mall. The game will then teach about the downside of interest and debt.</p> <h2>8. Three Jars</h2> <p><a href="http://www.threejars.com/">Three Jars</a> is a great site for kids and parents alike, since it can help streamline allowance time. With this site, kids keep track of how much money is owed to them through either chores, odd jobs, or both. The money then gets split into three jars entitled Spend, Save, and Share. The goal of the site is to make managing allowances easier, while minimizing nagging and entitlement in your home. For example, when a child asks for something at the store, you can buy it for them if the money is in their spend jar. If the item costs $20, and they only have $5 in their spend jar, then the responsibility is on them. They either need to do more chores or spend less money.</p> <p>While your kids might not want to trade in their video games for these interactive money games and websites, they are a great starting point to talk about money in your home.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-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-fun-money-apps-for-kids">10 Fun Money Apps for 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/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-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/3-good-money-examples-every-parent-should-set">3 Good Money Examples Every Parent Should Set</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-moves-to-make-as-soon-as-the-kids-move-out">7 Money Moves to Make as Soon as the Kids Move Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family Technology allowances games interactive kids learning tools money lessons teaching websites Mon, 19 Sep 2016 10:00:07 +0000 Ashley Eneriz 1794072 at http://www.wisebread.com 4 Top Money Lessons to Learn From Ruth Soukup's "Unstuffed" http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_holding_baby_84495417.jpg" alt="Mother learning money lessons from &quot;Unstuffed&quot;" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What does clutter have to do with your finances? A lot more than you think. It can be easy to write off clutter as just an annoyance that keeps your home from being clean. However, clutter can have a stronger hold on your life. Not only does clutter take up your space, but it also can greatly affect your schedules, relationships, and finances, all while draining you physically and mentally.</p> <p>Blogger and author Ruth Soukup gets to the root issue of clutter in many areas of our lives in her new book, <a href="http://amzn.to/2b18IIo">Unstuffed</a>. When I read it, I was surprised to find that this was not just a home organization book. There are also very important financial lessons strewn throughout, and when applied to your life, they could drastically change your clutter and financial issues. Here are some of the biggest money take-aways from the book.</p> <p>See also: <a href="http://www.wisebread.com/8-ways-clutter-keeps-you-poor?ref=seealso">8 Ways Clutter Keeps You Poor</a></p> <h2>Clutter Keeps Kids From Learning Important Financial Lessons</h2> <p>Many parents will probably agree that the biggest source of stuff in their homes comes from their children. As a parent, it is hard to not buy your children things, especially when you want to show them love. However, it is important to realize that the more stuff they have, the more spoiled and dissatisfied they can become. Many times, parents will buy items for their kids to solve their child's boredom or to remedy parental guilt.</p> <p>This is just setting up our children for failure, since it does not properly teach your child to respect money or stuff. &quot;Additionally,&quot; Soukup says, &quot;fighting the battle of stuff alongside our kids, rather than only for them, will also help them learn virtually life lessons about the value of money, the reality of hard work (which includes caring for stuff!), and the responsibility of stewarding our resources wisely.&quot;</p> <h2>Learn to Give Your Presence, Not Your Presents</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/51p%2BiVuIC6L._SX326_BO1%2C204%2C203%2C200_.jpg" width="328" height="499" alt="" /></p> <p>Soukup talks a lot about her aunt that loved to lavish her young girls with gifts for every major holiday. Finally, Soukup told the aunt it would be more important for her to spend quality time with the girls than to just get them stuff. Her aunt listened, and did a lot of fun things with them instead. A few years later, she passed away from cancer. Soukup was thankful that her girls had memories of her as a person, and not just the stuff she had given them.</p> <p>Let this be encouragement for you personally to bless people with your time, not just your gifts. Memories will always have a bigger impact on relationships, and this applies to all relationships. You can never replace the quality of time with the quantity of stuff.</p> <h2>How to Deal With Family Members Who Love to Give</h2> <p>It can be hard to turn down well-meaning family members who love to buy you gifts for every holiday. However, sometimes well-meaning family members can make clutter situations worse. It might not be easy, but it is necessary to have a heart-to-heart talk with your family.</p> <p>Tell them how important they are to you and that you love how thoughtful and generous they are. Share your struggles with clutter, and honestly say that you are trying to cut down on the amount of stuff and gifts that enter your home. Encourage them to give gifts of time instead. For example, if your mom loves to buy things for your daughter, suggest spending that money on special &quot;Grandma-Granddaughter Dates&quot; instead. When family members ask for gift suggestions, instead of saying &quot;nothing,&quot; encourage them to take your children on a special trip to get ice cream or to buy family passes to a zoo or museum.</p> <p>Talking with loved ones can be hard, and changes might not be immediate. It is important to remember to continue to love them and encourage them gently to gift their time rather than just stuff.</p> <h2>Don't Let High Value Keep You From Decluttering</h2> <p>Don't withhold from decluttering because of how much a particular item cost you. Many times people will hang onto an item because there is too much guilt attached to discarding it. They paid too much for that item, so they feel as if they are wasting money by getting rid of it.</p> <p>If you're not using it and it is taking up space in your home, then it is doing you more of a disservice. &quot;Better to sell it and recoup some of the loss than to keep it and gain nothing out of it,&quot; Soukup writes.</p> <p>Soukup's book was packed with decluttering wisdom, as well as thoughtful tips on how to have better relationships and how to better use our time. Decluttering your life does not just mean getting rid of a lot of stuff in your home. Instead, it is important to free yourself from the negativity of having too much stuff, buying too much stuff, and having stuff clutter your calendar, relationships, and soul.</p> <p><em>How do you deal with the clutter in your life?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">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-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn 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/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</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/3-good-money-examples-every-parent-should-set">3 Good Money Examples Every Parent Should Set</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-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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family books clutter gifts kids money lessons quality quantity ruth soukup Thu, 18 Aug 2016 09:30:37 +0000 Ashley Eneriz 1774332 at http://www.wisebread.com 15 Little Known Ways to Save at Disneyland http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-little-known-ways-to-save-at-disneyland" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_92789511_MEDIUM.jpg" alt="learning how to save money at disneyland" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Disneyland is considered the &quot;happiest place on Earth,&quot; but if you look at the ticket prices, it is not the happiest place for your budget. Despite the pricey tickets, Disneyland is still a <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things">fun and magical place</a> to visit for the whole family. Here are some overlooked tips for enjoying Disneyland on a budget.</p> <h2>1. Be Prepared</h2> <p>We went to Disneyland recently for my four-year-old's birthday. All month, it had been in the high 80s, so we did not think to bring extra clothes. Of course, once we were in the park, the weather was chilly, and my daughter was uncomfortable. We ended up spending $50 on an Elsa sweater to keep her warm.</p> <p>Had we been prepared, we would've brought a sweater so that we wouldn't have had to waste the money. The funny thing is that Costco now has a very similar Elsa sweater for less than $10. I suggest you also bring a change of clothes and maybe even a poncho, especially if your little one loves to go on the water rides.</p> <h2>2. Shop the Wal-Mart or Target Near Disneyland</h2> <p>Wal-Mart and Target near Disneyland both have a lot of Disney memorabilia, clothing, and souvenirs similar to those offered at the parks. The only difference is you'll pay much less at these stores than on Main Street.</p> <h2>3. Use the Disney Credit Card</h2> <p>Disney offers a <a href="http://www.wisebread.com/which-disney-credit-card-is-best-for-you">Disney credit card</a> without an annual fee. Having it allows you to access to a special character meet-and-greet area. This card can also offer you discounts on Disney purchases, as well as special rewards for Disney spending.</p> <h2>4. Get a Multiday Pass</h2> <p>If you're going to experience Disneyland, <em>really </em>experience it. A one-day ticket for just Disneyland can cost $95-$119 per adult, depending on the day you go. However, a three-day park hopper ticket costs $295 per adult, which allows you to visit both Disneyland and California Adventure, as well as expand your trip over three days.</p> <h2>5. Go Offseason</h2> <p>Not only are offseason tickets lower in price, but it's also a more enjoyable time to go. Check the <a href="http://www.isitpacked.com/disneyland-crowd-forecast-predictor-calendar/">Is It Packed? calendar </a>to get a better idea of when to visit. Try to pick a &quot;ghost town&quot; day to really enjoy the park.</p> <h2>6. Consider the Season Pass</h2> <p>The season pass prices start at $329 per person and grant admission to both parks for the full year. With the lowest level of the season pass, there are quite a few blackout days. However, if you visit the park at least four days, you would have already saved money. I live an hour and a half away from Disneyland, and I know many families that take advantage of this deal, usually going once or twice a month. For the Disney lover, season passes are a great deal, but if you're on a strict budget, the season pass might not be for you. Not only will you have the cost of the passes, but you must also factor in gas, parking, and food expenses as well.</p> <h2>7. Bring a DIY Autograph Book</h2> <p>Autograph books are a lot of fun for kids. You can either find a discounted Disney autograph book, or you can make your own. You can even find a small, cute notebook at the dollar store and decorate it with Disney stickers.</p> <p>If you are a little more tech-savvy, you can collect signatures on an iPad or tablet device with a touch screen pen. This will then allow you to upload them alongside pictures from your trip into a digital file that you can then use to create your own Disney scrapbook.</p> <h2>8. Buy a Photopass or Use Photopass Photographer</h2> <p>We opted into getting the Photopass day pass for $39, so that we didn't have to lug our camera around. It was extremely convenient, and now we have over 30 pictures from our special trip available to download. You can also choose to skip the pass and just ask the photographers in the Photopass locations to take your photo for you with your phone or camera.</p> <h2>9. Download the Disneyland App</h2> <p>The free Disneyland app is extremely useful to use in the park. It will tell you the wait times of rides and attractions, as well as show you locations of characters and Photopass spots.</p> <h2>10. Bring Your Own Snacks</h2> <p>The rules of outside food and drinks is not the clearest, however, my diaper bag of snacks and water were not looked down upon when we went. Disneyland is very accommodating for individuals with special dietary needs. Bring your own water bottles and light snacks, and if you're hungry for more, just leave the park for a bit and eat at a nearby restaurant.</p> <h2>11. Stay in a Budget Hotel</h2> <p>The hotels closest to the park are pricey, but there are many other affordable hotels within a five-mile radius. Most also offer affordable shuttle rides to the park so you can avoid paying for parking.</p> <h2>12. Pay With Disney Gift Cards</h2> <p>Paying with Disney gift cards will allow you to save more on ticket prices, souvenirs, and food at the park. You can even find Disney gift cards for up to 9% off at <a href="https://www.giftcardgranny.com/buy-gift-cards/disney-store/">Gift Card Granny</a>.</p> <h2>13. Use a SoCal City Pass</h2> <p>The <a href="http://www.citypass.com/southern-california">SoCal City Pass</a> is a great deal for $341 per adults. The pass includes three-day admission to both Disney parks, as well as admission to SeaWorld and Legoland.</p> <h2>14. Special Discounted Tickets</h2> <p>Disneyland offers special ticket discounts to several different groups of people, including active military, teachers, credit union members, and even college students. Check with your place of employment to see if you can buy discounted tickets. Through my husband's work benefits, we are able to save $10 per ticket.</p> <h2>15. Take Kids Before Three</h2> <p>Kids under three years old can visit for free, and this goes for one-day tickets and annual pass holders alike. My friends have twin daughters, and they took advantage of owning season passes before their daughters turned three. Therefore, every time they went, it cost about $35&ndash;$50 per trip, factoring in how often they went and the extra gas they had to pay for.</p> <p><em>How do you save money at Disneyland? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F15-little-known-ways-to-save-at-disneyland&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland.jpg&amp;description=15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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/train-now-for-a-summertime-family-cycling-trip">Train Now for a Summertime Family Cycling Trip</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-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family Travel Disney Disneyland family fun family vacation saving money saving money at disneyland savings hacks Thu, 11 Aug 2016 10:00:07 +0000 Ashley Eneriz 1766248 at http://www.wisebread.com How to Put Your Spouse on a Budget Without Ruining Your Marriage http://www.wisebread.com/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/husband_wife_high_five_91622835.jpg" alt="Woman putting her spouse on a budget without ruining marriage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The quickest way to sour a marriage is to nag your spouse about money and try to control every cent they spend. However, keeping mum about your finances can lead you and your spouse into a lot of debt or overall poor finances. Here are ways to get your spouse on a budget, without ruining your marriage.</p> <h2>Counseling Is Okay!</h2> <p>Many couples make the mistake in thinking that marriage counseling is only for marriages that are in trouble. However, counseling can be a helpful tool even when your marriage is healthy. Having a mediator help you navigate financial woes can even be desirable, so that both you and your spouse feel like they are heard.</p> <p>To seek out counseling for your finances within marriage, you can talk with a financial adviser that has your best interest in mind, a marriage and family therapist, a pastor, or even an older couple who you consider wise and financially stable. It might seem embarrassing to reach out for help, but it could be the wisest step to keeping your marriage and finances strong.</p> <h2>Set Up Budget Dates</h2> <p>Just as you would set up regular date nights, set up monthly budget dates. Treat your spouse to their favorite coffee drink and discuss the numbers for the month, as well as goals for the next month.</p> <p>Budget dates should not be a time where you point the finger. It should be a time for mutual discussion and growth. Depending on which financial area your spouse is in charge of, ask for their feedback. For example, if your spouse does the grocery shopping, did they feel like they had enough money that month or was it too tight? If your spouse is requesting more money for the grocery budget, you can decide together what to cut to accommodate.</p> <p>Sometimes it is a good idea to invite your children to these meetings, especially if they are older than 10. Kids need to see the &quot;why&quot; behind the reasons they can't go to camp all summer long or get everything they want. Also, allowing your kids see and experience how you budget successfully only sets them up for budgeting success later on.</p> <p>See also: <a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married?ref=seealso">8 Things I Learned About Money After Getting Married</a></p> <h2>Find What Inspires Them</h2> <p>Sometimes it can be hard to scrimp and sacrifice just for the sake of saving money. We all need a purpose to have the motivation to work at something. Whether it's for the dream vacation or just finally being able to live debt-free, find the goals that both of you want to achieve and set the budget that will make it happen. Show that if you both tighten up your spending and stay the course, the reward will be waiting at the finish line.</p> <h2>Keep Things Fun</h2> <p>Find ways to lighten things up and make staying on budget fun, so it doesn't get tedious or simply boring. You don't have to wait until you've saved enough for the dream vacation to enjoy a reward for your hard work. Add milestones along the way that allow the two of you to celebrate. Turn it into a game to see who can find the best deals or other challenges that keep both of you interested. Don't forget about creative ways to make extra money, too. Perhaps you two can do something together that will earn extra cash.</p> <h2>Practical Tips to Get Your Spouse on a Budget</h2> <p>So far, the marriage budgeting tips have been about the mentality behind savings. Once you get your spouse on board with your budget, then use these practical tips to stay successful.</p> <ul> <li>Budget for you and your spouse to have &quot;mad money&quot; each month. This can be $25 or $500, depending on your budget. However, this money can be spent however your spouse wants. This allows both of you to spend on yourselves without guilt.<br /> &nbsp;</li> <li>Use an easy-to-use budgeting app that connects to your accounts and syncs with each of your phones. Encourage your spouse to look at it and track spending daily.<br /> &nbsp;</li> <li>Have savings taken out automatically. If you wait until the end of the month to put money into savings, you might find you end up short each month. Make savings a priority or take advantage of debit cards that round up purchases and deposit the extra into your savings account.<br /> &nbsp;</li> <li>Stop using credit cards if they are too hard to control. Taking them away for a few months can help you get back on track.</li> </ul> <h2>Separate Accounts</h2> <p>Separate accounts can be useful for managing expenses and ensuring there's no opportunity to overdraw for a budget. If you split the financial responsibilities of a household, it makes sense to manage your own accounts for your assigned budgets. Just make sure there's accountability and transparency.</p> <p>Marriage is hard, and budgeting is just as difficult. Put them both together, and you could have a recipe for disaster. It's important to be open and honest so that you don't end up in a financial disaster.</p> <p><em>How do you and your spouse stay on a budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-married">5 Money Moves to Make the Moment You Decide to Get 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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-regular-budget-meetings-might-save-your-marriage">6 Ways Regular Budget Meetings Might Save Your Marriage</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-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting Family agreements bank accounts compromise counseling marriage paying bills relationships spending spouse teamwork Tue, 09 Aug 2016 09:00:09 +0000 Ashley Eneriz 1767118 at http://www.wisebread.com How to Support Your Broke Parents http://www.wisebread.com/how-to-support-your-broke-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-support-your-broke-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/47159634.jpg" alt="Woman learning how to support her broke parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's hard enough to support yourself nowadays, so what happens when you're faced with the prospect of supporting your parents? It can create stress in your life &mdash; not to mention put a strain on other relationships, especially between you and your spouse &mdash; but it doesn't have to go down like that. If your parents are teetering on tapped out, and looking to you for help, here's how to make the best of it for everybody involved.</p> <h2>1. Recognize Their Hardship and Provide Emotional Support</h2> <p>It's not easy to ask anyone for money, especially when you're a self-sufficient adult. But sometimes things don't always work out financially. If your parents are experiencing a serious financial downturn &mdash; like, they're broke &mdash; the first thing you need to do is recognize their plight and offer emotional support. Even if they haven't always been the most responsible people financially, the last thing they need right now is your judgment. Let them know that you're there for them to talk to, vent, cry, or whatever they need to do to get over the initial blow of being bone dry. Assure them that you'll be there for them as a pillar of emotional support whenever they need it.</p> <h2>2. Help Them Navigate the Road to Government Assistance</h2> <p>If your parents qualify for government assistance &mdash; and if they're truly dried up financially, they will &mdash; help them navigate the red tape of getting what they need to survive. There will be agencies to visit and plenty of forms to fill out in order qualify, and if they're of a certain age, they may require your capabilities to expedite the process.</p> <h2>3. Introduce Them to New Ways to Make Extra Money</h2> <p>What's so great about the American marketplace today is that there are so many (relatively) easy ways to make extra cash. Depending on how mobile and motivated your parents are (if they're broke, they should be plenty motivated!), they could bring in a decent amount of dough by becoming drivers for Uber or Lyft; watching people's pets by signing up with DogVacay or Rover; or hosting travelers by offering guests accommodations in their home via Airbnb, VRBO, or Roomorama. My own parents have been financially strapped at times over the past few years, and they've converted part of their home into rental efficiencies to bring in extra money. These are just a few of the more popular ways to earn income without a grueling schedule or backbreaking work, but you'll find other viable options with a little research into the &quot;<a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy" target="_blank">gig economy</a>.&quot;</p> <h2>4. Tap Into Your Own Contacts for Potential Job Opportunities</h2> <p>You've made a ton of contacts over the years to help yourself financially, so maybe you can tap into those resources to help out Mom and Dad. There's absolutely no shame in that game. You probably shouldn't hit up somebody you've just met to ask if they have extra work for your parents, and your parents definitely shouldn't expect an executive position out of this deal, but maybe one of your long-standing contacts with whom you have a good rapport and mutual respect has some office or light cleaning work they can throw your way. There's no harm in asking around.</p> <h2>5. Consider Paying &quot;Out of Sight, Out of Mind&quot; Recurring Bills</h2> <p>If your parents' money situation (or lack thereof) has really hit the skids, you might need to open your own wallet to alleviate some of their financial pain. That doesn't necessarily mean that you need to take over all their bills &mdash; you have plenty of your own to pay, remember, and your own wellbeing is your first priority &mdash; but there may be areas where you can help, however nominally.</p> <p>My friend Maria is a small-business owner, and she recently told me about how she helps her parents who are currently in a financial conundrum.</p> <p>&quot;My parents are broke, mainly because they never pursued an education and have worked hourly jobs their entire life,&quot; she said. &quot;I suggest people help their parents by taking care of recurring bills that you can just charge on a monthly basis without having to have a constant dialogue about expenses. Parents usually tend to feel bad asking for help, so it could be a bit humiliating for them to constantly have to ask for money. I help my parents by paying their health insurance and utility bills.&quot;</p> <h2>6. Offer to Help Them Downsize and Restructure Their Life</h2> <p>If your parents are broke, but they have assets that can reduce their debt load, now is the time to downsize. Maybe it's moving into a smaller home, or maybe it's selling off some long-held prized possessions. These prospects aren't exactly attractive, granted, but this situation that they're in is exactly why people make investments in the first place &mdash; to provide financial padding in times of strife. Material possessions are hard to part with &mdash; especially when you've worked so hard to earn them &mdash; but food, water, and shelter are more important than an old coin collection or a garage full of valuable treasures. In addition, help them restructure their life and rearrange their priorities so they're living in the most efficient manner possible once they get back on track.</p> <h2>7. Evaluate Your Own Life to See How They Can Fit In</h2> <p>Worst-case scenario, your parents need to become your dependents and move in with you and your family. It may not be the most ideal solution, but most of us would take our parents in, especially if they can still care for themselves, before letting them lose everything to debt and be faced with homelessness. If that's your reality, it's not the end of the world. Take a deep breath, schedule a family meeting, and sit down to discuss how to best make this work for everyone. Who knows, you might find that it's not so bad after all. The kids will have Grandma and Grandpa around more often, you'll have a little extra help around the house (hopefully), and you now have a round-the-clock babysitter so you can sneak out for a cold one &mdash; because God knows you deserve it.</p> <p><em>Are your parents broke? How are you helping them weather the storm? Let's chat in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/how-to-support-your-broke-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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-16-cardinal-rules-of-loaning-money-to-friends-and-family">The 16 Cardinal Rules of Loaning Money to Friends and Family</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-put-your-spouse-on-a-budget-without-ruining-your-marriage">How to Put Your Spouse on a Budget Without Ruining Your Marriage</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-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> <li class="views-row views-row-4 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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family broke helping out lending money money trouble parents paying bills struggling Fri, 29 Jul 2016 09:00:17 +0000 Mikey Rox 1760752 at http://www.wisebread.com How to Sell Your Kid's Stuff at a Consignment Sale http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-sell-your-kids-stuff-at-a-consignment-sale" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/hanging_baby_clothes_61959774.jpg" alt="Learning to sell your kid&#039;s stuff at a consignment sale" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you have kids, clothing and toys seem to multiply by the minute. One way I like to stay on top of decluttering is to sell my kids' outgrown items at consignment sales. Here are my top tips to cash in on your kid items through local sales.</p> <h2>How to Find a Local Consignment Sale</h2> <p>I have sold my kid items at an actual consignment shop and a semiannual consignment sale. The latter is better. With a consignment shop, you are limited and do not tend to make as much as you'd hoped. However, with a semiannual consignment sale, you are able to set your own prices, drop off your items, and then pick up what does not sell at the end of the week.</p> <p>Find a local consignment sale by doing a web search of &quot;(your city) + consignment sale&quot; to see if there are any in your area. You can also go to the&nbsp;<a href="https://www.jbfsale.com/home.jsp">Just Between Friends</a> website and search local consignment sales. It will cost $10&ndash;$20 to sign up to be a <em>consignor</em>, and most sales happen at the beginning of spring and fall.</p> <h2>Make Your Items Shine</h2> <p>There are several volunteers who will look over your items for sale, and they can be picky. Make sure your items are in the best shape possible. Spot treat and wash clothing and shoes. Wipe down toys and books. The better your items look, the quicker they will sell.</p> <p>Try using a <a href="http://amzn.to/2ad1S3m">Magic Eraser</a> for spots or scribbles on dolls or plastic toys. I also like to use fabric softener and a laundry brightener when washing the kid clothing to make it look even better. All battery-operated toys will also need to include batteries, so be sure to stock up on packs from the .99 Cent Store or Dollar Tree.</p> <h2>The Brand Name Sweet Spot</h2> <p>More common brand names like Cherokee, Circo, or Carters will sell, but at lower prices. For example, a cute outfit from Target might have cost you $20 and would sell for $3&ndash;$5. Higher end brand names like Gap and Gymboree will sell for more, especially if it is a recent style. Specialty brands such as Naartjie, TEA, or Isobella &amp; Chloe might be better sold online, since many shoppers are not familiar with these brands.</p> <h2>Group Like Items Together</h2> <p>Grouping similar items together for one price helps you to sell more of your stuff and earn more money. I try to group same-sized outfits or pieces together to increase my chance of selling. At these consignment events, there are generally a lot of baby clothes, and there is a good chance no one wants to buy a single onesie for $2. However, if you put together five onesies and five pairs of baby pants for $10, there is a better chance that a shopper will buy it.</p> <p>I also like to group together books to make a better profit. I have found that the books should be related to make the most money. For example, putting an early reader book with some baby books will probably not sell. However, if I put several of the Magic Treehouse series together or several board books together in a bag, then its salability increases dramatically.</p> <h2>Discover What the Best and Worst Sellers Are</h2> <p>If you know of individuals who have consigned in the past, ask them what sells and what doesn't sell well for that particular sale. In my experience, maternity clothes and generic baby items do not sell well. Usually my local consignment sale is full of baby equipment and baby clothes, making it hard to compete.</p> <p>However, for the sale that happens right before Christmas, toys are hot sellers. Shoppers seem more inclined to splurge with the holiday season in mind. I have also found that attractive, brand name clothing in sizes 4-7 sell better than the smaller sizes. I also have good luck with my book lots.</p> <h2>Don't Be Afraid to Discount</h2> <p>Many consignment sales will offer a 50% off day at the end of the sale. Take advantage of this and mark your items for discount, unless you believe you can get a better price on eBay or Craigslist. For most of my items, I price them to sell. Usually my best items are gone before the discount day. The discount day then allows me to sell the rest of my stuff rather than having to take it home.</p> <h2>Get a Bigger Cut</h2> <p>If you volunteer to work the sale, you might get some benefits. For my local sale, volunteers get into the pre-sale early and receive an additional 5% back on their sold items. I will only volunteer if the 5% would equal a nice amount of money and if I want to get into the pre-sale.</p> <p><em>Have you ever sold in a consignment sale? How was your experience? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale">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/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-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-free-or-cheap-toys-that-will-make-your-kid-smarter">14 Free or Cheap Toys That Will Make Your Kid Smarter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</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/five-tips-for-a-smooth-nanny-share">Five Tips for a Smooth Nanny Share</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Lifestyle clothes consignment sales kids selling thrift stores toys used Mon, 25 Jul 2016 09:30:34 +0000 Ashley Eneriz 1753336 at http://www.wisebread.com