Health and Beauty http://www.wisebread.com/taxonomy/term/4803/0 en-US Women Pay More for Health Care — Here's How to Pay Less http://www.wisebread.com/women-pay-more-for-health-care-heres-how-to-pay-less <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/women-pay-more-for-health-care-heres-how-to-pay-less" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_glases_hat_495205748.jpg" alt="Woman learning she plays more for health care than men" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret that a variety of factors can affect your health care costs. For example, people who smoke usually pay more for health insurance, and an unhealthy lifestyle can increase the risk of chronic illnesses and lead to more trips to see the doctor. But among the many factors triggering higher health care costs, it's being a woman that's perhaps the most obnoxious.</p> <p>Before the Affordable Care Act, women buying health insurance on the individual market paid premiums as much as <a href="http://www.healthline.com/health-news/should-women-pay-more-healthcare-services" target="_blank">50% higher than men</a> due to gender rating, a practice where health insurance providers charged women more because they were considered a higher risk. Gender rating is now illegal, but this doesn't mean women are saving big bucks on health care costs.</p> <p>According to data provided by the health care company Vitals, women spend on average <a href="http://www.womenshealthmag.com/life/women-pay-more-healthcare" target="_blank">69% more out-of-pocket</a> than their male counterparts for health care. That's a huge difference &mdash; even from the now-abolished gender rating system. Considering how women statistically earn less than men in just about every occupation, many women feel the pinch. But the question remains, why do women pay more, and what can they do about it?</p> <h2>Women Use More health Care Services</h2> <p>Compared to men, women typically <a href="https://www.ncbi.nlm.nih.gov/pubmed/10718692" target="_blank">use more health care services</a>, which could explain higher health care costs. Go figure. They're more likely to ask questions about their health, get routine screenings, and schedule appointments when sick. Being proactive helps women maintain their health, but it comes at a cost.</p> <p>Additionally, some women experience higher health care costs because of certain procedures, including gynecologic surgeries. Women are also six times more likely to have knee replacement surgery &mdash; a cost that can soar up to $65,000 &mdash; and women are two times more likely to develop cataracts, which can cost up to $5,000 per eye to correct.</p> <p>And let's not forget the cost of labor and delivery for women. That's big business with the average national cost for a routine delivery at $8,775, and the average for a C-section at $11,525. (Worse, this number doesn't include prenatal care or post-delivery care.) And even if women have health insurance, high deductibles typically mean paying a large percentage of services out-of-pocket.</p> <h2>Women Live Longer Than Men</h2> <p>Women also pay more for health care because they live on average two years longer than men. That's an extra two years of paying health insurance premiums and out-of-pocket costs for health care services. Even if a woman is healthy during her younger years, she may develop at least one ailment later in life that requires regular doctor visits, especially as she moves closer to retirement age. Studies suggest that a 55-year-old healthy woman retiring today would spend about $79,000 more than a similar man on health care costs during her final years.</p> <h2>How Can Women Protect Themselves From Higher Costs?</h2> <p>When it comes to the cost of health care, it is what it is &mdash; but there are plenty of ways for women to prepare and possibly reduce their expense.</p> <h3>Don't Ignore Health Screenings</h3> <p>Preventive care reduces risk factors that trigger many chronic illnesses and can thus lower overall health care costs. Under the Affordable Care Act, you don't have to pay for many preventive care services delivered by a doctor or medical facility within your insurance company's network. These include immunizations, annual physical examinations, colonoscopies, mammograms, and other screenings.</p> <h3>Make Healthy Choices</h3> <p>A healthy lifestyle can also reduce your number of trips to the doctor. Eat a healthy diet of fruits, vegetables, low-fat foods, and lean meats. Exercise for at least 30 minutes three times a week. Apply sunscreen when outdoors to reduce your risk of skin cancer and stay physically fit during your retirement years.</p> <h3>Compare the Cost of Services</h3> <p>To lower your health care costs, compare the cost of services at different facilities. You'll find that some facilities within your insurer's network charge significantly different prices for the same services. For example, an in-network hospital may charge $1,500 for an overnight sleep study whereas an in-network sleep clinic may only charge $600 for the same study.</p> <h3>Don't Underestimate Health Care Costs</h3> <p>Prepare for health care costs now and in the future. This includes having adequate health care coverage to reduce your out-of-pocket expenses &mdash; as much coverage as you can afford based on your present health care needs. And while you're saving for retirement, don't forget to plan for future health care costs. Women who live longer than their spouses are left to manage health care costs on their own. Therefore, look into purchasing long-term care insurance. Don't wait until you are ready to retire to buy a policy; it's more expensive once you're at that stage of your life. If you lock in a price while you're young and relatively healthy, however, you'll pay lower premiums over the long-term.</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/women-pay-more-for-health-care-heres-how-to-pay-less">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/health-insurance-how-to-fight-back-against-4-common-claim-denials">Health Insurance: How to Fight Back Against 4 Common Claim Denials</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/11-surprising-things-your-hsa-will-cover">11 Surprising Things Your HSA Will Cover</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-health-insurance-benefits-youre-probably-not-using">6 Health Insurance Benefits You&#039;re Probably Not Using</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-simple-ways-to-protect-yourself-from-medical-records-theft">7 Simple Ways to Protect Yourself From Medical Records Theft</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-must-know-about-health-care-open-enrollment">5 Things You Must Know About Health Care Open Enrollment</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance doctors gender cap gender rating health care life span medical preventive care women Thu, 12 Jan 2017 10:00:11 +0000 Mikey Rox 1871076 at http://www.wisebread.com 5 Ways to Prevent the Winter Blues from Busting Your Budget http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-prevent-the-winter-blues-from-busting-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/woman_sad_window_507633424.jpg" alt="Woman keeping SAD from destroying her budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you start feeling a bit funky once the cold weather hits? For some, seasonal change can trigger depression called seasonal affective disorder, or SAD. With SAD, your symptoms start in the fall and can continue throughout the winter months. You might feel more tired or moody than usual. You may gain weight, oversleep, or have a heavy feeling in your arms and legs.</p> <p>Though doctors don't know<em> exactly </em>what causes SAD, it might have something to do with a decrease in sunlight. Less sun can affect anything from your circadian rhythm to your serotonin and melatonin levels. The result? You don't feel yourself. And you may not maintain your usual habits in other areas of your life, like spending.</p> <p>Here's how to keep SAD from sabotaging your budget this winter &mdash; as well as some things you can do to help yourself get out of a funk on the cheap. (See also: <a href="http://www.wisebread.com/13-creative-ways-to-avoid-spending-money?ref=seealso">13 Creative Ways to Stop Spending Money</a>)</p> <h2>1. Unlink Payment Methods</h2> <p>While you might not randomly head out to the store at midnight, online shops are always open. You may have even linked your credit cards or PayPal account to your favorite store. Consider unlinking your payment methods so you'll need to pause for a moment before pushing the buy button. In the time it takes you to find your wallet, you may have second thoughts about your purchase.</p> <h2>2. Practice Self-Care</h2> <p>Instead of rushing to retail therapy to soothe yourself, consider spending time versus money. Practice self-care by doing things to ease your sadness. Take a warm bath, go for a walk, or visit YouTube to find a new yoga video. If you're having trouble thinking of what might make you feel better, try drafting up a list you can consult when you're feeling low. (See also: <a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap?ref=seealso">7 Online Workout Stations for Free or Cheap</a>)</p> <h2>3. Enjoy Free Stuff</h2> <p>You may also want to make a list of all the free and fun things going on in your area. Being around people is important for people who have SAD, and it can help boost your mood. Check local calendars for events that look interesting to you. Instead of buying new books or music, check them out from your library.</p> <p>And when you want to spend, try consulting with the <a href="http://www.wisebread.com/never-miss-free-ice-cream-again-complete-calendar-of-annual-free-stuff-days">Calendar of Annual Free Stuff</a> before heading out. There are many events throughout the year where you can score free food and more, allowing you to indulge without the financial guilt.</p> <h2>4. Cook Ahead</h2> <p>If you find you're spending tons of money on takeout or restaurant meals, plan ahead. You can make meals without much effort by using a Crock-Pot. Here are <a href="http://www.wisebread.com/25-great-cheap-and-easy-crock-pot-recipes">25 easy recipes</a> to get you started. And if you're really stuck on what you should consume, here's a <a href="http://www.wisebread.com/what-to-eat-every-day-a-month-of-frugal-meals">frugal meal plan</a> for every single day this month. Eating a healthy diet may even help with your SAD symptoms. (See also: <a href="http://www.wisebread.com/how-to-eat-well-on-just-20-a-week-with-meal-plans?ref=seealso">How to Eat on $20 a Week (With Meal Plans)</a>)</p> <h2>5. Reach Out</h2> <p>In the study on sadness and shopping, the researchers did discover an important link. The people who were sad were also more self-focused, which ultimately led to more spending. Thinking of others may help break the cycle. Instead of driving yourself to the mall when you're feeling down, you might call a friend to chat or meet up.</p> <h2>Easy Ways to Combat SAD</h2> <p>There are some things you can do at home to help ease your SAD symptoms. Of course, if you have concerns about your mood or health, it's always a good idea to make an appointment with your primary care physician.</p> <h3>Open Your Curtains</h3> <p>No, really. Do anything and everything you can to get more sunlight into your life. This may mean that you'll want to contact a landscaper to trim branches or bushes that are blocking light from getting into your home. Consider moving furniture, like your desk or reading chair, next to windows in your home or office.</p> <h3>Venture Outdoors</h3> <p>The weather may be frightful, but a quick walk around the block might make your day a bit more delightful. Getting in as much sun as possible can help lift your spirits. You'll be able to catch some rays even on cloudy days. Try to get outside within two hours of waking for the best results.</p> <h3>Exercise Daily</h3> <p>Moving your body is good no matter what, but for people with SAD, it's particularly important. Working out relieves stress and anxiety. These things can exacerbate SAD symptoms. Bonus points if you can exercise in the sunlight while getting in some fresh air.</p> <h3>Spend Money</h3> <p>On the right stuff, that is. There are a few products that can help with SAD. Look into buying a portable <a href="http://amzn.to/2hNmrtb">light box</a> that is made to emulate the sun. A light box works by stimulating all your eye's photoreceptors. Some people even choose to take certain supplements to ease their symptoms, including St. John's wort, SAMe, melatonin, and omega-3 fatty acids. Always consult with your doctor before starting any supplements.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-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-8"> <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-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-prescription-drug-coupons">7 Things You Need to Know About Prescription Drug Coupons</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Cooking depression free stuff mental illness retail therapy SAD seasonal affective disorder self care spending Thu, 05 Jan 2017 10:00:09 +0000 Ashley Marcin 1865738 at http://www.wisebread.com 7 Things You Need to Know About Prescription Drug Coupons http://www.wisebread.com/7-things-you-need-to-know-about-prescription-drug-coupons <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-need-to-know-about-prescription-drug-coupons" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pills_money_medicine_520882000.jpg" alt="Learning what you need to know about prescription drug coupons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have health insurance to help cover the cost of prescription drugs, that's great. But the average insured American still spends nearly $200 a year on prescription copays.</p> <p>Prescription drug coupons can help defray that hefty expense. You present them at the register of your pharmacy just like any other coupon. They reduce your copay, but do not affect the price your insurer pays for the drug. Drugmakers offer these coupons as a form of marketing, and while they can help patients, before using them you should know a few things about how these programs work.</p> <h2>1. Sometimes Brand Name Is Cheaper Than Generic</h2> <p>If your copay for generic medication is $10, but a coupon brings your copay for a similar brand name drug down to $4, you'll save money by going with the brand name. This is the major attraction of drug coupons for patients.</p> <h2>2. Don't Get Steered Into Suboptimal Treatment</h2> <p>It's hard to see how saving money could be bad for your health. But health care decisions should be made between patient and doctor, without intrusion from marketing. Why? Consider this: Doctors often have the choice of multiple drugs to treat any given ailment. Maybe Drug A, a tried and true generic, is the best choice for you, but you ask your doctor for Drug B because you have a coupon that would cover most of your copay. The doctor accommodates you, so you save money &mdash; but your treatment has suffered. This is not a hypothetical situation; a Consumer Reports analysis found more than one generic that works as well as or <a href="http://www.consumerreports.org/cro/2012/03/don-t-get-hooked-on-prescription-drug-coupons/index.htm">better than a name brand</a>.</p> <h2>3. Coupons Could Cost You More in the Long Run</h2> <p>Like a cable TV teaser rate, the coupon program won't last forever. Once you've established treatment for a chronic condition with the brand name drug, and the coupon ends, you may spend years paying the higher post-coupon price.</p> <h2>4. You May Not Be Eligible to Use the Coupon</h2> <p>Some discount programs exclude members of Medicare, Medicaid, and uninsured people. Always read the fine print.</p> <h2>5. The Coupon Might Not Be Your Cheapest Option</h2> <p>Make sure to do the math before opting for a brand name with a coupon over a generic &mdash; the generic still might be cheaper.</p> <h2>6. Coupons May Spike Your Insurance Premiums</h2> <p>When you use a coupon, you pay less &mdash; but your insurance company may pay up to 85% more than it would have if you had chosen a less expensive drug. Who cares? Most of us don't have much sympathy for insurance companies. But when your insurer pays more for drugs, it may pass that to you in the form of higher premiums.</p> <p>&quot;An individual patient who receives a coupon might not realize that, although that particular prescription may cost less that month, overall what it does is to <a href="http://khn.org/news/drug-coupons/">raise costs for everyone</a>, including themselves,&quot; Susan Pisano told Kaiser Health News on behalf of trade group America's Health Insurance Plans.</p> <h2>7. Always Get Coupons From a Reputable Source</h2> <p>Don't just click any link online and start entering personal information about what medications you take. A good place to ask about discount programs is your doctor's office. Online, you can enter the drug name and other details at <a href="https://www.pparx.org">Partnership for Prescription Assistance</a>, and it will connect you to programs you qualify for.</p> <p>Another convenient and safe way to find discounts is by downloading an app such as <a href="https://www.goodrx.com/">GoodRX</a> or <a href="http://werx.org/">WeRx</a> onto your phone. These apps not only find printable coupons, they will also suss out good prices near you on both prescription and over-the-counter medicines, and let you know about pharmacy rewards programs and other opportunities to save.</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/7-things-you-need-to-know-about-prescription-drug-coupons">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-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-you-can-save-money-on-prescription-medications">7 Ways You Can Save Money On Prescription Medications</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-to-get-your-toiletries-for-cheap-or-even-free">6 Ways to Get your Toiletries for Cheap or Even Free!</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/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-the-wii-fit-a-cheap-workout">Is the Wii Fit a cheap workout?</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-generic-wellness-buys-better-than-the-expensive-originals">7 Generic Wellness Buys Better Than the Expensive Originals</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Shopping apps brand name drug coupons drugstores generic medicines pharmacies prescriptions Wed, 04 Jan 2017 11:00:06 +0000 Carrie Kirby 1865344 at http://www.wisebread.com The 5 Best Emergency Kits http://www.wisebread.com/the-5-best-emergency-kits <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-emergency-kits" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/emergency_kit_487398352.jpg" alt="Using the best emergency kits" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You never know when a disaster can strike, and that&rsquo;s why you need to be prepared for anything. The CDC and American Red Cross both recommend having at least a three-day supply of food, water, and emergency supplies at your disposal, in case of an unexpected disaster.</p> <p>To protect yourself and your family, consider keeping a well-stocked emergency kit in your home, office, and car. Whether you&rsquo;re dealing with a flood, car accident, blizzard, storm, or evacuation, you&rsquo;ll be prepared for anything. Make sure to keep your kit organized and in a convenient place so that you can easily access what you need, right when you need it.</p> <h2>What Is an Emergency Kit?</h2> <p>An emergency supply kit contains everything necessary to sustain you during an emergency. Emergency kits come in all shapes, sizes, and price ranges. You can also make a kit yourself, but this may be more expensive than just purchasing a quality kit outright.</p> <p>Your emergency kit should include a <a href="http://www.wisebread.com/the-5-best-first-aid-kits" target="_blank">first-aid kit</a>, food and water, a lighting source, and any other essential safety supplies necessary to help you survive for at least three days after a disaster. You&rsquo;ll also want to personalize your kit with any medical or personal supply items you think are necessary for your family. This will keep you safe and provide you with the peace of mind that you&rsquo;ll be ready for any unexpected emergency.</p> <h2>Top 5 Emergency Kits</h2> <h3>Ready America Deluxe Emergency Kit</h3> <p><a href="http://amzn.to/2hRlEXp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ready%20america.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2hRlEXp" target="_blank">Ready America Deluxe Emergency Kit 4-Person Backpack</a> has sufficient supplies to sustain four people for three days. It has three days worth of U.S. Coast Guard approved food and water for four people, with a five-year shelf life. It also has a 107-piece first aid kit, light sticks, gloves, four-function emergency power station (with a flashlight, radio, siren, and charger), multifunction tool, goggles, duct tape, and much more, all in a high-quality backpack. For a two-person family, consider the highly-rated <a href="http://amzn.to/2iOaqS4" target="_blank">Ready America Emergency Kit, 2-Person, 3-Day Backpack</a>.</p> <p><a href="http://amzn.to/2hRlEXp" target="_blank"><em>Currently $84.35 on Amazon</em></a></p> <h3>Wise Foods 5-Day Survival Backpack</h3> <p><a href="http://amzn.to/2i918PW"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wise%20food.jpg" width="220" height="220" align="right" alt="" /></a>The <a href="http://amzn.to/2i918PW" target="_blank">Wise Foods 5-Day Survival Backpack</a> has enough supplies to last one person five days. The survival pack includes food, water pouches, a portable stove, cup, flashlight, 42-piece first aid kit, waterproof matches, a deck of playing cards, and much more, all included in a high-quality backpack. This comes from the reputable Wise Foods brand, so the food is designed to taste good and sustain you. This has great reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2i918PW" target="_blank"><em>Currently $67.94 on Amazon</em></a></p> <h3>Deluxe 2-Person Perfect Survival Kit</h3> <p><a href="http://amzn.to/2i9amLP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/deluxe.jpg" width="220" height="220" align="right" alt="" /></a>The best-selling <a href="http://amzn.to/2i9amLP" target="_blank">Deluxe 2-Person Perfect Survival Kit</a> has sufficient supplies to sustain two people for three days following a disaster. It has emergency food and water with a five-year shelf life, radio, flashlight, emergency stove, light sticks, sleeping bag, tent, gloves, hygiene kit, 42-piece first aid kit, deck of playing cards, and much more. This all comes in a high-quality multi-pocket hiker&rsquo;s backpack that still has room for additional items. This has twice the amount of water of most kits and is ideal for an earthquake, hurricane, fire, auto accident, evacuation, or other emergency situation.</p> <p><a href="http://amzn.to/2i9amLP" target="_blank"><em>Currently $95.95 on Amazon</em></a></p> <h3>Personal Survival Kit and Emergency Pack</h3> <p><a href="http://amzn.to/2j3kEx4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/personal%20survival.jpg" width="245" height="174" align="right" alt="" /></a>The comprehensive <a href="http://amzn.to/2j3kEx4" target="_blank">Personal Survival Kit and Emergency Pack</a> is organized with the items that are most likely needed first on top to assist you in an emergency situation. It has food and water with a five-year shelf life, a 46-piece first aid kit, hand warmers, duct tape, waterproof matches, headlamp, glow sticks, a multipurpose tool, gloves, and much more. The kit comes in a heavy-duty clear waterproof plastic dry bag, which can be hung from your car headrest or placed in your car trunk or home. The clear bag allows you to see everything inside at a glance, so you can quickly grab what you need.</p> <p><a href="http://amzn.to/2j3kEx4" target="_blank"><em>Currently $79.99 on Amazon</em></a></p> <h3>Mayday Deluxe 2-Person Backpack Kit</h3> <p><a href="http://amzn.to/2hRllvP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mayday.jpg" width="245" height="152" align="right" alt="" /></a>The <a href="http://amzn.to/2hRllvP" target="_blank">Mayday Deluxe 2-Person Backpack Kit</a> has everything you could need for any emergency. It has a camper stove, a tent, flashlight, light stick, radio, gloves, water purification tablets, waterproof matches, utility knife, U.S. Coast Guard approved food and water with a five-year shelf life, and a 54-piece first aid kit. The high-quality, heavy-duty backpack is sturdy and has some room left in it, so you can add more items, if necessary. It is compact enough to keep anywhere, making it ideal for your home or car.</p> <p><a href="http://amzn.to/2hRllvP" target="_blank"><em>Currently $67.00 on Amazon</em></a></p> <p>And those are our recommendations for the best emergency kits. 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-emergency-kits">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-first-aid-kits">The 5 Best First Aid Kits</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-travel-toiletry-bags">The 5 Best Travel Toiletry Bags</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</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-toilet-papers">The 5 Best Toilet Papers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping Travel 5 best emergency kits first aid first aid kit kit product reviews shopping Wed, 04 Jan 2017 10:00:14 +0000 Andrea Cannon 1868208 at http://www.wisebread.com Flashback Friday: 76 New Year's Resolutions That'll Make 2017 Your Year http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_2017_loading_624248520.jpg" alt="Woman making new year&#039;s resolutions for 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no dancing around it &mdash; 2016 has been a garbage year. Most of us are ready to enthusiastically wave goodbye to it on New Year's Eve and usher in a fresh start. And even though most resolutions are abandoned by February, if you incorporate focused, realistic goals, your chances for success are far greater. So let's give it a go when the clock strikes midnight. Here are 76 New Year's resolutions that will make 2017 your best year ever!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-518171446_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off?ref=fbf" target="_blank">15 Easy to Keep New Year's Resolutions That Really Pay Off</a> &mdash; The smartest way to make goals that will stick is to make them easy. If they're difficult and vague, you won't be motivated enough to keep them. These are all easy, focused, and will make your life so much better.</p> <p><a href="http://www.wisebread.com/successful-new-years-resolutions-have-this-one-thing-in-common-does-yours?ref=fbf" target="_blank">Successful New Year's Resolutions Have This One Thing in Common &mdash; Does Yours?</a> &mdash; The secret to achieving these holiday goals is to understand why the successful ones actually work. This breaks down the one thing all successful resolutions have in common. Make sure it's part of yours, too!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_dog_pet_499423418_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make?ref=fbf" target="_blank">4 New Year's Resolutions Your Pet Wants You to Make</a> &mdash; Your pet lives for you. They think you're the best creature on this Earth. So why not consider what they'd want for you when making your annual list of resolutions? Seeing your dog with that goofy grin will be more than worth it.</p> <p><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master?ref=fbf" target="_blank">23 Frugal Living Resolutions Anyone Can Master</a> &mdash; Living frugally is a trend that will never go away. We could all spend less money and buy fewer things. All of these brilliantly simple resolutions incorporate the frugal mindset. A little saving can go a long way.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/friends_new_years_498059820_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=fbf" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a> &mdash; Money. We all need more of it. Living paycheck-to-paycheck is a miserable way to live. Taking these small steps to building your financial cushion will give you financial freedom, and ultimately, a better life.</p> <p><a href="http://www.wisebread.com/25-small-new-year-s-resolutions-you-can-start-today?ref=fbf" target="_blank">25 Small New Year&rsquo;s Resolutions You Can Start Today</a> &mdash; Why wait until the ball drops? Get started on your resolutions now! These steps are all small and easy-to-make. After all, the early bird gets the worm, right?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">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-19"> <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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 30 Dec 2016 10:30:30 +0000 Chrissa Hardy 1865098 at http://www.wisebread.com The 5 Best Toilet Papers http://www.wisebread.com/the-5-best-toilet-papers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-toilet-papers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_toilet_paper_482403609.jpg" alt="Baby using the best toilet papers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let&rsquo;s face it; we all need toilet paper. What we <em>don&rsquo;t</em> need is to waste money on ineffective options that just can&rsquo;t get the job done. That&rsquo;s why we&rsquo;ve found some of the best choices to get the dirty job done right.</p> <h2>What Is Toilet Paper?</h2> <p>Toilet paper is an essential product in any bathroom. Considering that the average American uses nearly <a href="http://www.encyclopedia.com/science-and-technology/technology/technology-terms-and-concepts/toilet-paper">21,000 sheets of toilet paper a year</a>, it&rsquo;s important that you find a brand that you like. Everyone has their own personal preferences, but we can all agree that we need something absorbent and strong. Fortunately, with so many brands vying for your purchase, you can easily find the perfect one to fit the bill.</p> <h2>Top 5 Toilet Papers</h2> <h3>Angel Soft Bath Tissue</h3> <p><a href="http://amzn.to/2isAYIa"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/angel%20soft.jpg" width="227" height="230" align="right" alt="" /></a>An Amazon best-seller, the <a href="http://amzn.to/2isAYIa">Angel Soft Bath Tissue</a> is soft, thick, and strong. It gets the job done without shredding or leaving any lint behind. The two-ply toilet paper is easily flushable, septic-safe, and dissolves quickly. With 264 sheets per roll, each double roll is equivalent to two regular rolls.</p> <p>This is recommended by Good Housekeeping. It is one of the &ldquo;most wished for&rdquo; items on Amazon and has outstanding online reviews, including more than 3,300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2isAYIa"><em>Currently $21.99 on Amazon</em></a></p> <h3>Scott 1000 Sheets Per Roll Toilet Paper</h3> <p><a href="http://amzn.to/2isN6ZM"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/scott.jpg" width="245" height="230" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in bath tissue, the <a href="http://amzn.to/2isN6ZM">Scott 1000 Sheets Per Roll Toilet Paper</a> is better if you prefer thinner paper. It is absorbent and strong, even when wet, so it&rsquo;s more durable than your average one-ply toilet paper. It leaves no dust or lint behind. The one-ply toilet paper dissolves quickly and easily, so it's safe for sewer and septic systems. It breaks up four times faster than the average bathroom tissue for fewer clogs.</p> <p>With 1,000 sheets per roll, it&rsquo;s one of the nation&rsquo;s longest lasting rolls, so you won&rsquo;t need to change the roll as often. This offers a great value for the money and is recommended by Good Housekeeping. It is one of the &ldquo;most wished for&rdquo; items on Amazon and has outstanding online reviews, including more than 2,300 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2isN6ZM"><em>Currently $17.98 on Amazon</em></a></p> <h3>Quilted Northern Ultra Plush Toilet Paper</h3> <p><a href="http://amzn.to/2isLorn"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/quilted.jpg" width="245" height="204" align="right" alt="" /></a>If you prefer soft toilet paper, then the <a href="http://amzn.to/2isLorn">Quilted Northern Ultra Plush Toilet Paper</a> is the one for you. The thick, plush three-ply toilet paper has comfort cushions, which allows you to use less paper each time, and features an Innerlux layer for luxurious comfort. The premium brand toilet paper is gentle, absorbs well, and remains strong when it&rsquo;s wet or dry. It is also easily flushable and septic-safe.</p> <p>Good Housekeeping deemed this the softest toilet paper available. It is also recommended by Consumer Reports. It is an Amazon best-seller and has outstanding online reviews, including more than 6,100 five-star reviews on Amazon. Consumer Reports and Good Housekeeping also recommend the <a href="http://amzn.to/2ijHNyx">Quilted Northern Ultra Soft and Strong Toilet Paper</a>.</p> <p><a href="http://amzn.to/2isLorn"><em>Currently $21.87 on Amazon</em></a></p> <h3>Cottonelle Ultra ComfortCare Toilet Paper</h3> <p><a href="http://amzn.to/2ia0vs1"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cottonelle.jpg" width="245" height="189" align="right" alt="" /></a>The <a href="http://amzn.to/2ia0vs1">Cottonelle Ultra ComfortCare Toilet Paper</a> is ideal for anyone who prefers thicker, more luxurious toilet paper. The cushiony CleanRipple texture removes more and gets you cleaner. The two-ply toilet paper is soft and gentle, while remaining strong and absorbent. It leaves no lint behind and stays together while absorbing liquid. The SafeFlush technology makes it safe for sewer and septic systems, so it will disintegrate quickly after it is fully immersed in the toilet.</p> <p>This is recommended by The Sweethome. It is an Amazon best-seller and one of the &ldquo;most wished for&rdquo; items on Amazon. It also has outstanding online reviews, including more than 3,200 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2ia0vs1"><em>Currently $6.29 on Amazon</em></a></p> <h3>Charmin Ultra Soft Toilet Paper</h3> <p><a href="http://amzn.to/2iH0EjP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/charmin.jpg" width="230" height="230" align="right" alt="" /></a>The <a href="http://amzn.to/2iH0EjP">Charmin Ultra Soft Toilet Paper</a> is truly ultra-soft, strong, thick, and absorbent. The thick paper feels more luxurious than other brands. The comfort cushion design achieves a better clean. The two-ply paper holds up well when wet. It is Roto-Rooter approved, so it&rsquo;s clog-safe and septic-safe. Each mega roll has 308 sheets per roll and equals four regular rolls, so it&rsquo;ll last longer.</p> <p>This is recommended by Good Housekeeping. It is an Amazon best-seller and has outstanding online reviews, including nearly 1,300 five-star reviews on Amazon. Good Housekeeping and The Sweethome also recommend the <a href="http://amzn.to/2hyd4yr">Charmin Ultra Strong Flushable Mega Toilet Paper</a>.</p> <p><a href="http://amzn.to/2iH0EjP"><em>Currently $22.65 on Amazon</em></a></p> <p>And those are our recommendations for the best toilet paper. 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-toilet-papers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-manual-toothbrushes">The 5 Best Manual Toothbrushes</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-bidet-seats">The 5 Best Bidet Seats</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-nail-clippers">The 5 Best Nail Clippers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Home Shopping 5 best bath products bathroom hygiene product reviews shopping toilet toilet paper Thu, 29 Dec 2016 10:00:14 +0000 Andrea Cannon 1864676 at http://www.wisebread.com The 5 Best Wireless Hair Clippers http://www.wisebread.com/the-5-best-wireless-hair-clippers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-wireless-hair-clippers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_beard_clippers_506483312.jpg" alt="Man using best wireless hair clippers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Wireless hair clippers provide a safe, easy solution for cutting and trimming your hair at home. They are easy to store and perfect for traveling, allowing you to groom your hair whenever and wherever you please. By cutting your own hair from home, you can avoid costly trips to the barber, saving you endless amounts of time and money.</p> <h2>What Are Wireless Hair Clippers?</h2> <p>Wireless hair clippers are specialized electronic devices that allow you to cut your hair from home. The clippers&rsquo; blades work like a row of tiny scissors to cut, trim, and shape the hair effortlessly. Wireless clippers have improved immensely in recent years and some can match the results of professional barber clippers.</p> <p>Cordless clippers allow you complete freedom to cut your hair unrestricted. <a href="http://www.wisebread.com/the-5-best-hair-clippers">Traditional hair clippers</a> can do a great job trimming your hair, but if you want something more portable and convenient, you&rsquo;ll want to find a good set of wireless hair clippers.</p> <h2>Top 5 Wireless Hair Clippers</h2> <h3>Wahl Lithium Ion Clipper</h3> <p><a href="http://amzn.to/2iq9V05"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wahl.jpg" width="156" height="245" align="right" alt="" /></a>Amazon&rsquo;s Choice for wireless hair clippers, the <a href="http://amzn.to/2iq9V05">Wahl Lithium Ion Clipper</a> is perfect for cuts, trims, and touch-ups. The smooth-cut self-sharpening precision ground blades stay sharp for longer and offer an easy, worry-free haircut with no snagging, uneven cutting, or pulling. The lithium-ion powered heavy duty motor, contoured shape, and enhanced blades provide 50% more power and cut hair 40% faster, compared to standard Wahl clippers. It charges in three hours, has an impressive two-hour run time, and holds the charge for up to one year. It also offers a 10-minute quick charge for instant power.</p> <p>The comprehensive kit includes a premium multi-cut clipper, blade guard, soft storage case, two hair clips, barber comb, styling comb, cleaning brush, blade oil, scissors, barber cape, a complete set of 14 guide combs, left ear taper, right ear taper, eyebrow guide, and ear trim guide. It also includes a matching detail trimmer, which is perfect for trimming necklines and sideburns. You can achieve a professional-looking haircut at home in less time and energy thanks to this complete haircut and touch-up kit.</p> <p>This is the most frequently recommended and highest rated set of wireless hair clippers online. Wahl is also the #1 clipper brand and the brand chosen by professionals. The set is backed by a 30-day money-back guarantee and a five-year limited clipper warranty. It also has outstanding online reviews, including more than 800 five-star reviews on Amazon. If these clippers aren&rsquo;t right for you, consider some of Wahl&rsquo;s other highly rated clippers, including the <a href="http://amzn.to/2iq5UJ7">Wahl Professional five-star Cord/Cordless Magic Clip</a> and the <a href="http://amzn.to/2igAUxY">Wahl Professional Cordless Designer Clipper</a>.</p> <p><a href="http://amzn.to/2iq9V05"><em>Currently $40.49 on Amazon</em></a></p> <h3>Panasonic Hair Clipper and Beard Trimmer</h3> <p><a href="http://amzn.to/2igBxYx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/panasonic_0.jpg" width="76" height="245" align="right" alt="" /></a>With the <a href="http://amzn.to/2igBxYx">Panasonic All-in-One Cordless Hair and Beard Trimmer</a>, you can quickly and safely groom dry or in the shower. The adjustable dial offers 14 individual hair and beard trimmer settings. The sharp 45-degree acute-angle stainless steel blades offer precision trimming. They are also hypoallergenic for safe, non-irritating grooming on sensitive skin. With a single touch, you can engage the slide-up detail trimmer to clean up stray, unwanted hairs and shape the sideburns, beard, and mustache. The versatile trimmer includes precision-honed, fast-action, spring-loaded blades to quickly cut, trim, and shape the hair.</p> <p>The high-performance, all-in-one hair, beard, and body trimmer features a slim, ergonomic design that can be used comfortably in either hand and is perfect for travel. The gently curved, ergonomic, rubberized grip offers total control so you can cut and trim your hair more easily and quickly. The battery recharges in eight hours, allowing for 50 minutes of cordless use. There is a convenient charge indicator on the handle, so you can monitor the charging progress. You can also use this corded for uninterrupted use. The washable design allows you to easily clean it under warm running water.</p> <p>This also includes blade oil and a cleaning brush. It is backed by Good Housekeeping and has a limited warranty. It also has outstanding online reviews, including more than 600 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2igBxYx"><em>Currently $29.95 on Amazon</em></a></p> <h3>TRYM II</h3> <p><a href="http://amzn.to/2iq6rel"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/trym.jpg" width="141" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2iq6rel">TRYM II</a> is a rechargeable clipper with professional-grade compound metal blades designed for precision cutting. It can be used to trim your hair, body, mustache, and beard without any snagging or pulling of the hair. The improved design is made from professional-grade parts and has a stronger battery and sharper, higher-quality blade that is made to last. The kit includes four trimming attachments, a cleaning brush, and blade oil. The sleek, modern design can complement any bathroom and is one of the things most commonly mentioned throughout the reviews.</p> <p>This has outstanding online reviews, including more than 2,600 five-star reviews on Amazon. It is also backed by a satisfaction guarantee and a one-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2iq6rel"><em>Currently $29.99 on Amazon</em></a></p> <h3>Philips Norelco Hair Clipper</h3> <p><a href="http://amzn.to/2iDtTE8"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/philips_0.jpg" width="90" height="245" align="right" alt="" /></a>The lightweight <a href="http://amzn.to/2iDtTE8">Philips Norelco Hair Clipper</a> is high quality, easy to use, and easy to travel with. It has 24 built-in length settings, with no additional attachments required, making it perfect for travel. You can achieve a precise cut on thick hair twice as fast, thanks to the DualCut Technology. The lithium-ion power clipper has a rechargeable battery, battery light indicator, and turbo button for a higher blade speed. The metal guard and self-sharpening titanium blades offer better performance and reduced friction. The unique lift and flow comb smoothly catches and releases hair without clogging.</p> <p>It offers up to 120 minutes of cordless use after a one-hour charge. You can also use it with a cord for uninterrupted use. It is easy to clean, with a detachable head, washable blades, and stray hairs trapped in the unit. The washable, self-sharpening titanium blades are maintenance-free. The clippers also come with a hair comb, storage case, and cleaning brush.</p> <p>This has outstanding online reviews, including more than 500 five-star reviews on Amazon. It is built to last and is backed by a five-year warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2iDtTE8"><em>Currently $26.39 on Amazon</em></a></p> <h3>Braun Hair Clipper and Trimmer for Men</h3> <p><a href="http://amzn.to/2iq6qqx"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/braun.jpg" width="69" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2iq6qqx">Braun Hair Clipper and Trimmer</a> has 17 precise length settings and two smart trimming attachments. The Memory Safety Lock system conveniently locks and memorizes the last used length setting, even after removing the attachment. It has a powerful motor, dual battery system, and lifetime lasting stay-sharp stainless steel blades for precision cutting and constant power. It has a comfortable rubberized grip for safe handling. It is fully washable for easy cleaning under running water.</p> <p>This fully charges in one hour, has a five-minute quick charge, and offers up to 50 minutes of use. It has outstanding reviews and is commonly recommended online.</p> <p><a href="http://amzn.to/2iq6qqx"><em>Currently $49.80 on Amazon</em></a></p> <p>And those are our recommendations for the best wireless hair clippers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-wireless-hair-clippers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/the-5-best-emergency-kits">The 5 Best Emergency Kits</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-toilet-papers">The 5 Best Toilet Papers</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-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best beard trimmer hair clippers product reviews razor shopping wireless hair clippers Wed, 28 Dec 2016 10:36:21 +0000 Andrea Cannon 1864100 at http://www.wisebread.com 15 Easy to Keep New Year's Resolutions That Really Pay Off http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-easy-to-keep-new-years-resolutions-that-really-pay-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-518171446.jpg" alt="these easy new year&#039;s resolutions really pay off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>New Year's resolutions are designed to help you improve your life in the new year. However, the vast majority of us have a very hard time sticking to them past January. That's why we've found some small changes you can realistically make that will result in a big difference over time. (See also: <a href="http://www.wisebread.com/12-frugal-skills-you-must-have-to-survive-mondays?ref=seealso" target="_blank">12 Frugal Skills You Must Have to Survive Mondays</a>)</p> <h2>Fitness Resolutions</h2> <p>Two of the top three New Year's Resolutions of 2016 had to do with staying fit and losing weight. Fortunately, there are some simple changes that you can make in the new year that will help you achieve your fitness goals more quickly.</p> <h3>1. Set Achievable Goals</h3> <p>Set achievable fitness goals on a daily, weekly, or monthly basis. You aren't going to get that perfect body overnight, so set goals that you can realistically achieve. Reward yourself when you reach your milestones by taking a day off, paying for a special exercise class, or purchasing affordable new workout gear. Don't over think things, try not to get frustrated, and remember that fitness takes time.</p> <h3>2. Save Money On Your Fitness</h3> <p>Getting in shape doesn't have to cost a fortune. There are endless ways to get in shape for free, such as running, yoga, and hiking. You can even join a hiking group or find free yoga classes near you to shake up your workout routine and spend time with friends without breaking the bank. You can also find free workout apps, follow fitness Instagram accounts, or follow a YouTube fitness page for new workouts and inspiration. (See also: <a href="http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership?ref=seealso" target="_blank">13 Easy Ways to Save on Your Gym Membership</a>)</p> <h3>3. Keep a Food Journal</h3> <p>Keeping a food journal can keep you on track and accountable for what you eat. By writing down every little crumb that you eat on a daily basis, you can look back every week and see what you need to improve on and how well (or how poorly) you actually eat. It can also encourage you to eat fewer calories, improve your health, and help you make positive dietary changes for life. Your doctor or personal trainer may have already recommended that you keep a food journal, and the new year is the best time to start.</p> <h2>Health Resolutions</h2> <p>For the new year, focus on improving your overall well-being by making healthy changes that you can stick to.</p> <h3>4. Skip the Snooze Button</h3> <p>Waking up earlier can help you achieve so much more every week. By cleaning, stretching, or completing one item from your &quot;to-do&quot; list during your extra time, you can get your day started on a more productive note. However, waking up earlier can be difficult, so try getting up early (or ignoring the snooze button) just one day per week.</p> <h3>5. Multitask More</h3> <p>During commercial breaks, try multitasking. Do a quick exercise set or quick clean during each commercial break. For the average 60-minute show, there are about 13-19 minutes of commercials. Imagine what you could get done with all that extra time.</p> <h3>6. Start Meditating</h3> <p>Meditating has dozens of health and stress-reducing benefits. It can help you sleep better, make better decisions, and refocus your energy in a positive way. If you aren't familiar with meditation, consider starting with breathing exercises or use apps like <a href="https://www.headspace.com/register/free-trial?" target="_blank">Headspace</a> to get you started. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h3>7. Exercise More</h3> <p>The Centers for Disease Control and Prevention recommend getting at least two and a half hours of exercise each week. This means that you should be working out about 30 minutes per day, five days per week. This is a very attainable goal that can have huge health and fitness benefits both in the short- and long-term.</p> <h3>8. Clear Away Clutter</h3> <p>Clearing clutter from your life will make you more organized and productive, can decrease stress, and can make way for new things in your life. (See also: <a href="http://www.wisebread.com/how-to-clear-out-financial-clutter?ref=seealso" target="_blank">How to Clear Out Financial Clutter</a>)</p> <h3>9. Drink Water in the Morning</h3> <p>Drinking a glass of water first thing in the morning on an empty stomach is a great way to soothe the stomach, curb your appetite throughout the day, boost energy, and improve overall health. It can also help you detoxify the body and even lose weight, helping you stick to your fitness and health resolutions.</p> <h3>10. Volunteer More</h3> <p>Volunteering more often has countless benefits for both you and those you volunteer for. While others can benefit from your time, energy, and talents, you can feel good about yourself for your efforts. Volunteering also looks great on your job applications, can help you make new friends, and most importantly, you're helping to make the world a better place.</p> <h2>Financial Resolutions</h2> <p>In 2016, more than half of Americans had a finance-related resolution. Fortunately, there are some simple changes you can make that can result in huge savings.</p> <h3>11. Save Your 5's</h3> <p>Save all $5 bills in a designated jar or drawer. At the end of every month, apply them toward your debt, emergency fund, or retirement account. You'll be amazed at how quickly this adds up, and you won't feel a huge difference in your spending. This is known as &quot;<a href="https://www.quickenloans.com/blog/5-savings-plan" target="_blank">The $5 Savings Plan</a>&quot; and can help you save hundreds each month. Even if you only save one $5 every week, you'll save an extra $260/year.</p> <h3>12. Invest an Extra $35/Week</h3> <p>According to <a href="https://www.daveramsey.com/blog/retire-a-millionaire-on-35-a-week" target="_blank">Dave Ramsey</a>, by investing $35/week for 40 years, you can retire a millionaire.</p> <h3>13. Sign Up for Automatic Deposits</h3> <p>Consider signing up for automatic deposits to your savings account every month. The money will add up quickly and you won't feel like you're missing much.</p> <h3>14. Eat Out Less</h3> <p>Eating out less often will save you money and can even help you achieve your fitness goals more quickly. If you eat out all the time, just try cutting back on your morning coffee or to-go orders by one day per week.</p> <h3>15. Cut Expensive Habits</h3> <p>By cutting an expensive habit like smoking, you can save up to $2,321 per year. Not only is this great for your pocketbook, but it is also a healthy change you can make in the new year. (See also: <a href="http://www.wisebread.com/save-a-surprising-amount-by-quitting-these-4-bad-habits?ref=seealso" target="_blank">Save a Surprising Amount by Quitting These 4 Bad Habits</a>)</p> <h2>How to Stick With Your Resolutions</h2> <p>According to The University of Scranton, only <a href="http://www.statisticbrain.com/new-years-resolution-statistics/" target="_blank">8% of Americans are actually successful</a> in achieving their New Year's resolutions. To ensure that you're part of that 8% this year, write down your resolutions in a place that you can see them daily. Also, determine what measurable steps you need to take to accomplish these goals. Consider using a <a href="http://www.wisebread.com/this-simple-journal-may-be-the-fix-for-your-finances" target="_blank">bullet journal</a> to help you track your goals and monitor your progress.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/17-reasons-to-look-forward-to-2017">17 Reasons to Look Forward to 2017</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Life Hacks Health and Beauty 2017 financial goals fitness fitness goals Holidays life goals New Year new year's resolutions resolutions Tue, 27 Dec 2016 10:30:34 +0000 Andrea Cannon 1860475 at http://www.wisebread.com 4 New Year's Resolutions Your Pet Wants You to Make http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-new-years-resolutions-your-pet-wants-you-to-make" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_dog_pet_499423418.jpg" alt="Woman making New Year&#039;s resolutions her pet wants" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Making New Year's resolutions feels great, but let's face it &mdash; we are terrible at it. According to research by a University of Scranton, Journal of Clinical Psychology study, only 8% of people who make New Year's resolutions <a href="http://www.statisticbrain.com/new-years-resolution-statistics/">actually achieve their goals</a>. If you're like most people, your plans to go to the gym four times a week, stop wasting time on Facebook, and organize your entire home are probably going to fizzle before the end of January.</p> <p>But there is someone in your life who can help you create achievable New Year's resolutions: your pet. What Fido and Fluffy want from you in 2017 are actually things that will help to make <em>your </em>life better. So forget the usual resolutions this year, and make some resolutions that will make your pet (and you!) happy:</p> <h2>1. Go On a Daily 30-Minute Walk</h2> <p>You know that Rover loves going on walks with you, but some days, it's all you can do to walk him around the block to his favorite fire hydrant. Especially in the winter, it can be very easy to hustle through a quick walk in the cold and head back inside to your laptop and Netflix.</p> <p>But your pooch loves the daily exercise and stimulation that a long walk can offer &mdash; even in cold weather &mdash; and he's not able to understand your enthusiasm for binge-watching The Crown. A nice long walk is just what he wants, even when you want to curl up with a hot chocolate.</p> <p>Of course, a daily 30-minute walk is literally just what the doctor ordered for <em>you</em>, too. Not only does a daily walk help you maintain (or lose) weight, but such moderate exercise helps to prevent and <a href="https://www.washingtonpost.com/lifestyle/wellness/the-many-benefits-of-walking-30-minutes-a-day/2015/10/19/cf12c938-71e1-11e5-9cbb-790369643cf9_story.html?utm_term=.fdbd86286857">reduce the severity of chronic diseases</a> like high blood pressure and diabetes. In addition, the exercise and the time outside can both help to improve your mood.</p> <p>Rather than making a resolution to become a gym rat &mdash; and plunking down the gym's hefty joiner's fee and monthly membership fee &mdash; resolve to take Rover for a long walk every day, no matter the weather. You'll both be happier for it.</p> <h2>2. Take More Naps</h2> <p>Mittens may act aloof, but there is something she wishes you'd do more of: nap with her. Cats are notorious nappers (and cuddlers), and there is nothing more satisfying than taking a snooze with a purring kitty perched on your belly.</p> <p>Of course, such naps are going to do more than just make your cat happy. They will also improve your health, your mood, and your level of self-control. According to a 2011 study by the Center for Disease Control, an estimated 50 to 70 million Americans are <a href="https://www.cdc.gov/mmwr/PDF/wk/mm6008.pdf">suffering from sleep deprivation</a>. And being sleep deprived means that you are more vulnerable to chronic illnesses and more irritable, not to mention too mentally exhausted to avoid procrastination.</p> <p>So this year, commit to curling up with your cat and catching 40 winks a couple of times a week. She'll love the closeness, and you'll reap the benefits of being well-rested.</p> <h2>3. Do Less</h2> <p>Having a full social calendar can be tough on your pets. They miss you terribly when you go out in the evening, especially if you are already working long hours. They would love nothing more than to have you home and available for tug-of-war, fetch, or belly rubs most nights.</p> <p>It turns out that having a wall-to-wall schedule of events in your life isn't so great for you, either. According to Eldar Shafir and Sendhil Mullainathan, authors of the book <a href="http://amzn.to/2i7M5VV">Scarcity: The New Science of Having Less and How It Defines Our Lives</a>, you're likely to make bad decisions if you have too little free time. Here's why: Managing your time is something like packing a suitcase. If you have an empty suitcase (or an empty schedule), it's easy to add something new. But if your suitcase or schedule is full, then you have to decide what to remove in order to add a new commitment, and that can be stressful.</p> <p>The commitments that are most likely to come out of the &quot;time suitcase&quot; are the ones that don't feel urgent &mdash; like your commitment to spend time with your pets. But not only does spending time with your four-footed friends make them happier, it is also a great way to relieve your own stress. It is well documented that interaction with animals reduces tension and improves mood.</p> <p>That's not to say that you should completely clear your social calendar so you can spend every moment with Buddy and Boots. But if you resolve to do less in 2017, you can take the time to determine whether you really want to say yes to the invitations that come your way. Then you'll only agree to the ones that you really want to do &mdash; and make yourself and your pets happier.</p> <h2>4. Clean More</h2> <p>Bandit can't get on his favorite spot on the sofa because the laundry basket is in the way. Cleo's litter box has gotten so ripe she's leaving &quot;gifts&quot; on the floor beside it. They may not be able to tell you in words (although your cat's method of protest can be pretty eloquent), but your pets would love it if your house were a little cleaner.</p> <p>Tidying up would also offer a big benefit to you. According to Sherrie Bourg Carter, writing for Psychology Today, &quot;Messy homes and work spaces <a href="https://www.psychologytoday.com/blog/high-octane-women/201203/why-mess-causes-stress-8-reasons-8-remedies">leave us feeling anxious</a>, helpless, and overwhelmed.&quot; Those piles of clothes and papers overwhelm our senses and make it difficult to truly relax. That can affect everything from your mood to your ability to sleep well at night.</p> <p>Getting on a cleaning routine this year will not only help your pets to feel comfortable in your home, but it will help you feel better, too. And knowing that you can have unexpected guests drop by without worrying about the pet hair tumbleweed in the living room or the freshness of the litter box is an incredibly freeing sensation.</p> <h2>Listen to Your Pets</h2> <p>Resolutions are often grand promises to ourselves, but making small promises to our pets will actually lead to a better, healthier, and happier year. For 2017, resolve to get more purring and tail wagging from your pets, and you'll also reap the rewards for yourself.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make">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/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</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-ways-to-get-fit-with-your-dog">7 Ways to Get Fit With Your Dog</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/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</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-exercises-to-do-at-work-that-dont-make-you-look-silly">10 Exercises to Do at Work That Don&#039;t Make You Look Silly</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Home Lifestyle cleaning disease reduction exercise getting outside napping New Year's pets relaxing resolutions walking Mon, 26 Dec 2016 11:00:07 +0000 Emily Guy Birken 1860477 at http://www.wisebread.com Best Money Tips: DIY Cold Remedies From Around the World http://www.wisebread.com/best-money-tips-diy-cold-remedies-from-around-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-diy-cold-remedies-from-around-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_tissue_mug_185711581.jpg" alt="Woman learning DIY cold remedies from around the world" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on DIY cold remedies from around the world, simple money challenges to beef up your savings, and ways to hack your KitchenAid stand mixer.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.cheapism.com/blog/diy-common-cold-cures-15290/">14 DIY Cold Remedies From Around the World</a> &mdash; Ginger and turmeric tea is effective against colds and stomach ailments. [Cheapism]</p> <p><a href="http://www.everybodylovesyourmoney.com/2016/12/21/simple-money-challenges.html">8 Simple Money Challenges That Will Beef Up Your Savings</a> &mdash; These simple money challenges can propel you to financial freedom. Read up on each of them to find the one that works best for you! [Everybody Loves Your Money]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/1220/Fifteen-ways-to-hack-your-KitchenAid-stand-mixer">Fifteen ways to hack your KitchenAid stand mixer</a> &mdash; Use the flat beater attachment to mash your fruits and vegetables for foods like guacamole, roasted pumpkin, and chunky apple sauce. [The Monitor]</p> <p><a href="http://www.popsugar.com/smart-living/How-Holiday-Hero-42818198">How to Go From Zero to Holiday Hero</a> &mdash; Lend a hand at your local food shelter. They'll need the help during the busy holiday season. [PopSugar Smart Living]</p> <p><a href="http://www.cleverdude.com/content/money-saving-uses-for-used-pantyhose/">Money Saving Uses for Used Pantyhose</a> &mdash; Ball up old pantyhose and attach it to the end of your broom to make a duster with extra reach. [Clever Dude]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.moneyspruce.com/take-advantage-5-free-things-always-pay/">Take Advantage of 5 Free Things You Always Had to Pay For</a> &mdash; Thanks to streaming services like Spotify, Pandora, and YouTube, you can listen to virtually any song you want for free. [Money Spruce]</p> <p><a href="http://moneyqanda.com/make-money-on-fiverr/">Top 15 Easy Ways You Can Make Money on Fiverr</a> &mdash; There is always a demand for greeting cards. You can sell customized cards on Fiverr and possibly turn this into a passive income stream by charging for downloading rights to your existing designs. [Money Q&amp;A]</p> <p><a href="http://www.cultofmoney.com/2016/12/21/save-500-living-paycheck-paycheck/">How to Save $500 While Living Paycheck to Paycheck</a> &mdash; Pick up a side job or two and aim to earn an extra $100 each week. [Cult of Money]</p> <p><a href="http://www.getorganizedwizard.com/blog/2016/12/4-easy-ways-establish-family-routines/">4 Easy Ways To Establish Family Routines</a> &mdash; Get the whole family involved! It'll foster bonds within the family as well as a sense of responsibility for the home. [Get Organized Wizard]</p> <p><a href="http://www.bestkeptself.com/5-quick-and-healthy-breakfast-ideas-to-power-you-through-your-day/">Five quick and healthy breakfast ideas to power you through your day</a> &mdash; Avocado toast is an easy and delicious breakfast. For an extra dose of protein, add a fried egg or hemp seeds. [Best Kept Self]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-diy-cold-remedies-from-around-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-frugal-ways-to-treat-the-common-cold">9 Frugal Ways to Treat the Common Cold</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-cheap-and-natural-ways-to-fight-the-cold-and-flu">7 Cheap and Natural Ways to Fight the Cold and Flu</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/women-pay-more-for-health-care-heres-how-to-pay-less">Women Pay More for Health Care — Here&#039;s How to Pay Less</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-cheap-and-easy-homemade-mosquito-repellents">4 Cheap and Easy Homemade Mosquito Repellents</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/20-healthy-habits-that-can-hurt-you">20+ Healthy Habits That Can Hurt You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips cold remedies Fri, 23 Dec 2016 10:30:24 +0000 Amy Lu 1859511 at http://www.wisebread.com 7 Ways You Can Save Money On Prescription Medications http://www.wisebread.com/7-ways-you-can-save-money-on-prescription-medications <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-you-can-save-money-on-prescription-medications" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-491364946.jpg" alt="save money on prescription medications" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When Kyle Willis walked into the emergency room in 2011, he was diagnosed with a severe tooth infection. Doctors gave him prescriptions for both antibiotics and painkillers and sent him home. But on a tight budget and with no insurance, he could only afford to get one prescription. In excruciating pain, he opted for the painkillers.</p> <p>Days later, the infection spread to his brain, and Willis <a href="http://abcnews.go.com/health/insurance-24-year-dies-toothache/story?id=14438171" target="_blank">died from the infection</a>.</p> <p>Willis' case highlighted a major problem millions of people face each day. Medications can cost hundreds or even thousands of dollars. If you are uninsured or underinsured, you sometimes have to make the choice between filling a prescription or skipping rent or other necessary bills.</p> <p>But there are programs in place that can help. Below are free resources that can help you save money on your medicines. (See also: <a href="http://www.wisebread.com/9-ways-to-save-on-prescriptions?ref=seealso" target="_blank">9 Ways to Save on Prescriptions</a>)</p> <h2>Discount Prescription Programs</h2> <p>There are several nationwide discount prescription savings programs available to the public, regardless of your income.</p> <h3>1. FamilyWize</h3> <p><a href="https://familywize.org/" target="_blank">FamilyWize</a> is a free program where you can download or print off a discount card and use it at any major pharmacy. Use the card if you do not have insurance, or if your insurance will not cover a particular medicine. Just ask the pharmacist to run the card's information. On average, you can <a href="https://familywize.org/prescription-savings-card/how-it-works" target="_blank">save 43% on your prescriptions</a>.</p> <h3>2. WebMDRX</h3> <p>Like FamilyWize, the <a href="http://www.webmd.com/rx/card/" target="_blank">WebMDRX discount savings card</a> is free for anyone to use. It can be used at 60,000 pharmacies nationwide and can be shared with friends and family. Just show the card to the pharmacist when you drop off your prescription to get the discount.</p> <h2>Pharmaceutical Programs</h2> <p>Major pharmaceutical companies offer special programs for people who cannot afford their brand name medications. Millions of people qualify each year to receive free medicines directly from the manufacturer. Below are just a few programs available from major companies. Check out the manufacturer of your medications to see if they offer similar programs.</p> <h3>3. AZ&amp;Me</h3> <p>AstraZeneca, the maker of major drugs like Nexium, Crestor, Symbicort, and more, offers the <a href="https://www.astrazeneca-us.com/medicines/Affordability.html" target="_blank">AZ&amp;Me program</a> for people who cannot afford their medications. Last year, the program helped 286,000 people get access to medicine they otherwise couldn't afford.</p> <p>The program is designed to help people who do not have insurance, those in Medicare Part D, and those who have recently undergone a financial crisis, such as a job loss. To find out more about the program or to find out if you're eligible, call 1-800-AZandME (292-6363).</p> <h3>4. Merck Helps</h3> <p>Merck, the creator of drugs like Dulera, Gardasil, and Singulair, helps people get the medications they need through the <a href="http://www.merckhelps.com/" target="_blank">Merck Helps</a> program.</p> <p>To qualify for the program, you must be a United States resident and have a valid prescription. You must not have any insurance coverage and be unable to afford your medications. According to their site, you may qualify for assistance if you make less than $47,520 as an individual, under $64,080 for couples, or $97,200 or less for a family of four.</p> <h3>5. Pfizer</h3> <p>As one of the largest pharmaceutical companies in the country, Pfizer is known as the creator of major drugs like Lipitor and Zoloft. But it also runs a <a href="http://www.pfizer.com/health/financial_assistance_programs/patient_assistance_programs" target="_blank">Patient and Prescription Assistance Program</a> that helps people receive medicine for free or at a significant discount. If you need help getting a specific Pfizer medication, their website <a href="http://www.pfizerrxpathways.com/" target="_blank">Pfizer RxPathways</a> can help you find different options and navigate the process.</p> <h2>6. Drug Coupons</h2> <p>When your doctor prescribed you a new medicine, she may have handed you a manufacturer coupon along with the prescription. But what you may not have known is that those coupons are not just for doctors to hand out; customers can access them, too.</p> <p>If you are on any brand name drug, rather than a generic medication, check out the drug's website. Many times the manufacturer will offer a special discount card or savings program that will drop the cost.</p> <p>For example, Fetzima is a relatively new drug for depression. And even with insurance, it can be pricey. But if you go on the Fetzima website, you can get a savings card where eligible patients can buy the drug for as little as <a href="https://www.fetzima.com/depression-resources/savings-card?icid=fetzima_savings_header">$10 a month</a>. Just print the card and bring it to the pharmacy when you pick up the prescription to get the discount.</p> <h2>7. Comparison Shop</h2> <p>Not all pharmacies are created equal. One pharmacy may charge much more for the same drug than another pharmacy, even if they're within just a few blocks of each other. <a href="https://www.goodrx.com/" target="_blank">GoodRX</a> is a resource you can use to comparison shop for the best deal before you leave your home. It will tell you what each drug will cost at different pharmacies and if there are any coupons available.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/7-ways-you-can-save-money-on-prescription-medications">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-prescription-drug-coupons">7 Things You Need to Know About Prescription Drug Coupons</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/11-surprising-things-your-hsa-will-cover">11 Surprising Things Your HSA Will Cover</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/health-insurance-how-to-fight-back-against-4-common-claim-denials">Health Insurance: How to Fight Back Against 4 Common Claim Denials</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-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-times-to-consider-declining-your-employers-health-coverage">3 Times to Consider Declining Your Employer&#039;s Health Coverage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping coupons discount programs drug stores health care health insurance medications pharmacies prescriptions price comparisons Wed, 21 Dec 2016 10:01:03 +0000 Kat Tretina 1858983 at http://www.wisebread.com Health Insurance: How to Fight Back Against 4 Common Claim Denials http://www.wisebread.com/health-insurance-how-to-fight-back-against-4-common-claim-denials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/health-insurance-how-to-fight-back-against-4-common-claim-denials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/xbxvbc.jpg" alt="repeal these common health insurance claim denials" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Denials of medical claims are all too frequent. Roughly 14% of all claims are <a href="https://billadvocates.com/8-common-claim-denials-appeal/" target="_blank">denied every year</a>, according to Department of Labor records. Not only that, but almost 10% of claims processed by insurance companies contain errors. Your claim could have been denied because it was coded as a different procedure than what you received from the doctor!</p> <p>There is a silver lining in the clouds of denial or error, however. You can always appeal a health care claim denial. Patients who appeal win about 50% of the time. Not only that, but the more familiar with health care claims you become, the more you will learn about what's covered &mdash; and what is not.</p> <p>The passage of the Affordable Care Act (ACA) increased rights to appeal, whether you are covered under ACA or not. Think of it this way: You or your employer, or both, are already paying a hefty price for health care. Appealing your denial and knowing how to determine errors is part of getting what you and your company have already paid for.</p> <h2>Before You Appeal: Know the Codes and How to Appeal</h2> <p>Any appeal to a health insurance company has to contain some basic knowledge of the information they provide you, as well as your rights.</p> <p>After a visit to a physician's office or a procedure, you will receive a form called an Explanation of Benefits (EOB) from the insurance company. An EOB arrives for all claims, approved or denied. It details what was charged, what the insurance company paid, and sometimes a remainder of what the patient is responsible for.</p> <p>If a claim was denied, it will receive a code. Most insurance companies provide a key to the code. (Check the back of the form.) If it does not, call and ask the insurance company what the code means.</p> <h2>The Four Most Commonly Denied Claims</h2> <p>At times, knowing the code will immediately help you appeal a denial. Sometimes the denial is the result of sheer error. Here are the four most commonly denied claims.</p> <h3>1. Your Plan Does Not Cover the Procedure</h3> <p>If the code indicates that the denial occurred because the plan did not cover the procedure, check your plan to see if it is, in fact, covered. If you received a vaccination, for example, double check what kinds of services your plan covers. Many plans cover preventive care (care received to prevent disease before it begins, rather than to treat a condition that exists). Vaccinations and flu shots are both examples of preventive care. This type of denial is surprisingly common.</p> <p>A similar situation can occur with vision claims. You may receive a denial stating that vision care is not covered. However, many policies cover eye care if it is needed medically. People with diabetes, for example, are covered for annual exams because the condition can affect vision, while regular eye exams are not. Plans can cover surgery for cataracts, but not eyeglasses.</p> <p>Errors of this kind can be appealed fairly easily. If you were denied because of lack of coverage and the procedure was in fact covered, call the health insurance company. Be sure to make note of the name of the person you spoke to, their title, and the date.</p> <h3>2. Errors in Coding</h3> <p>Knowing the code can also help you discover a coding error. You may find that the code for the service doesn't actually match what you visited the doctor for. The procedure or diagnosis code could have been entered incorrectly. You should also check every piece of information, including your name, date of service, place of service, and provider number. If any of these are erroneous, it can result in a denial.</p> <p>If you find a coding error, call the billing office of the doctor or hospital involved and ask them to resubmit the bill with the correct code. Again, it's vital to get the name of the person, their title, and the date.</p> <h3>3. Payment for a Procedure Was Included in the Allowance for a Related Procedure Performed the Same Day<strong> </strong></h3> <p>Patients are not responsible for a charge like this. Call your provider's office and ask for an adjustment to the bill.</p> <h3>4. You've Reached the Maximum Amount of Times a Service Is Covered</h3> <p>Again, the best action is to double check your policy. Is it true that it is only covered a maximum amount of times? If there is a dollar limit, check it against what you received. Contact your insurance company in the case of any errors.</p> <p>For a denial of this type, check what the provider's discount is as well. Many doctor's offices and suppliers contact an insurance company to set a price for goods and services that is less than the market rate. You could be charged the market rate unless you specifically follow up about the discount. Even if you are denied legitimately for the maximum number of times a service is covered, you are still eligible for the discount the provider offers.</p> <p>Given the frequency of denials and related errors, it's wise to be on your guard every time a denial is issued. Don't assume the denial is correct! Appeal and follow up on your appeals as needed.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/anum-yoon">Anum Yoon</a> of <a href="http://www.wisebread.com/health-insurance-how-to-fight-back-against-4-common-claim-denials">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-pay-more-for-health-care-heres-how-to-pay-less">Women Pay More for Health Care — Here&#039;s How to Pay Less</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/11-surprising-things-your-hsa-will-cover">11 Surprising Things Your HSA Will Cover</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/still-without-health-insurance-here-s-how-much-the-penalties-will-cost-you">Still Without Health Insurance? Here’s How Much the Penalties Will Cost You</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-about-a-price-list-at-the-hospital-or-doctor-s-office">How About a Price List at the Hospital or Doctor’s Office?</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-types-of-health-insurance-plans">The Types of Health Insurance Plans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance affordable care act appeals denials doctors explanation of benefits health care health insurance insurance claims medical Tue, 20 Dec 2016 11:00:15 +0000 Anum Yoon 1858109 at http://www.wisebread.com The 5 Best Gel Eyeliners http://www.wisebread.com/the-5-best-gel-eyeliners <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-gel-eyeliners" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wearing_eyeliner_538353480.jpg" alt="Woman wearing best gel eyeliners" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you love a winged eye or a cat eye, you can achieve the perfect makeup look with the right gel eyeliner. The gel formula will allow you to achieve an accurate, long-lasting application, whether you prefer a subtle or dramatic effect. (See also: <a href="http://www.wisebread.com/the-5-best-liquid-eyeliners?ref=seealso">The 5 Best Liquid Eyeliners</a> and <a href="http://www.wisebread.com/the-5-best-pencil-eyeliners?ref=seealso">The 5 Best Pencil Eyeliners</a>)</p> <h2>What Is Gel Eyeliner?</h2> <p>Gel eyeliner is a cosmetic product that can be used to define or enhance the eyes, helping you create any eye shape you desire. The long-lasting eyeliner is applied around the contours of the eyes to create anything from a defined line to a smoky eye.</p> <p>It may seem like gel eyeliner is more difficult to apply, but once you get the hang of it, you likely won&rsquo;t ever go back to pencil. To apply, use an angled eyeliner brush to glide the eyeliner in small strokes across the lash line from the inner to the outer corner, until the desired intensity is achieved. If this is too difficult, make small dots along the lash line and then, connect the dots. If you have trouble getting a steady hand, rest your elbow on a table.</p> <h2>Top 5 Gel Eyeliners</h2> <h3>REVLON Colorstay Crème Eyeliner</h3> <p><a href="http://amzn.to/2h3UvR1"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/revlon_6.jpg" width="220" height="197" align="right" alt="" /></a>The <a href="http://amzn.to/2h3UvR1">REVLON Colorstay Crème Eyeliner</a> stays put and dries quickly so you can achieve the perfect look in no time. The waterproof creme-gel formulation is silky and features colorstay long-wearing technology for up to 24 hours of bold color impact that doesn&rsquo;t smear or smudge. The intense pigments provide high impact color, which will allow you to get a precise line. The airtight pot includes a built-in brush for easy, smooth application.</p> <p>This received the Allure Best of Beauty Award and is recommended by publications like Cosmopolitan and Into the Gloss. If you prefer liquid eyeliner, consider the<a href="http://amzn.to/2ghyE4N"> Revlon ColorStay Liquid Liner</a>. If you prefer pencil eyeliner, consider the <a href="http://amzn.to/2hc4dRH">Revlon ColorStay Eyeliner With SoftFlex</a>.</p> <p><a href="http://amzn.to/2h3UvR1"><em>Currently $6.47 on Amazon</em></a></p> <h3>BOBBI BROWN Long Wear Gel Eyeliner</h3> <p><a href="http://amzn.to/2gjoghM"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bobbi%20brown.jpg" width="245" height="157" align="right" alt="" /></a>If you don&rsquo;t mind spending a bit more on your eyeliner, then you won&rsquo;t find better than the award-winning <a href="http://amzn.to/2gjoghM">BOBBI BROWN Long Wear Gel Eyeliner</a>. The long-wearing, water-resistant liner lasts all day, but removes easily. The innovative eyeliner gives the glossy look of liquid liner and is easy to apply, even for beginners. It offers a no-smudge, no-smear, quick-dry finish and won&rsquo;t budge once it has dried. The rich consistency glides on and provides vibrant, highly-pigmented color. It can be used to create subtle to dramatic looks and is easy to build for intensity.</p> <p>This comes in a wide range of colors and is gentle enough for sensitive eyes. It received the Allure Best of Beauty Award three times and is recommended by Good Housekeeping, Glamour, The Independent, Cosmopolitan, Rank &amp; Style, and Into the Gloss. It also has outstanding reviews from beauty mavens and professional makeup artists, and has a devoted following. If you like your new eyeliner, then the <a href="http://amzn.to/2hc8jcw">Bobbi Brown Long-Wear Gel Eyeliner Set 3-Piece Set</a> can offer a good price for two eyeliners and a brush.</p> <p><a href="http://amzn.to/2gjoghM"><em>Currently $26.00 on Amazon</em></a></p> <h3>Maybelline New York Eye Studio Lasting Drama Gel Eyeliner</h3> <p><a href="http://amzn.to/2hc6jBa"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/maybelline_6.jpg" width="162" height="245" align="right" alt="" /></a>If you&rsquo;re looking for something that is truly smudge-proof and waterproof, then the <a href="http://amzn.to/2hc6jBa">Maybelline New York Eye Studio Lasting Drama Gel Eyeliner</a> is perfect for you. The long-wearing, everyday liner stays put for 24 hours. It is easy to apply and won&rsquo;t crease or run. It can help you enhance your eyes and create a defined or dramatic look. The oil-free formula holds highly concentrated pigments in a clear gel base for the most intense color possible.</p> <p>The ophthalmologist-tested liner is ideal for use with sensitive eyes, contact lens wearers, and hooded eyelids. It comes with a brush and is available in a range of colors. It is recommended by publications like Rank &amp; Style and Into the Gloss. If you prefer liquid eyeliner, consider the <a href="http://amzn.to/2gjwXbJ">Maybelline New York Eye Studio Master Precise Liquid Eyeliner</a>.</p> <p><a href="http://amzn.to/2hc6jBa"><em>Currently $6.74 on Amazon</em></a></p> <h3>L'Oreal Paris Infallible Lacquer Eyeliner</h3> <p><a href="http://amzn.to/2hc1isv"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/loreal_8.jpg" width="94" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2hc1isv">L'Oreal Paris Infallible Lacquer Eyeliner 24H</a> glides on smoothly for a clean, precise line with an intense, glossy finish. The high-shine, lacquer eyeliner lasts for 24 hours. It includes a flat brush for easy application and allows you to get results similar to liquid eyeliner in no time.</p> <p>This comes in a range of rich, fade-free colors. It is ophthalmologist-tested and suitable for sensitive eyes and contact lens wearers. It is recommended by publications like Into the Gloss. If you prefer liquid eyeliner, consider the <a href="http://amzn.to/2hc81Tf">L'Oreal Paris The Super Slim Eyeliner by Infallible</a>. If you prefer pencil eyeliner, consider the <a href="http://amzn.to/2gjnKQN">L'Oreal Paris Infallible Never Fail Eyeliner</a>.</p> <p><a href="http://amzn.to/2hc1isv"><em>Currently $7.49 on Amazon</em></a></p> <h3>NARS Eye Paint</h3> <p><a href="http://amzn.to/2grnPjN"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/nars_2.jpg" width="245" height="192" align="right" alt="" /></a>The <a href="http://amzn.to/2grnPjN">NARS Eye Paint</a> is a versatile long-lasting eyeliner that can also be used as an eye shadow or highlighter. The silky, hyper-saturated shades glide on smoothly, while the weightless gel texture dries quickly. The rich, high-impact pigments last for 18 hours.</p> <p>This comes in a wide variety of colors, including in metallic and matte shades. It is recommended by publications like The Independent, Into the Gloss, and Rank &amp; Style.</p> <p><a href="http://amzn.to/2grnPjN"><em>Currently $9.00 on Amazon</em></a></p> <p>And those are our recommendations for the best gel eyeliners. 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-gel-eyeliners">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-8"> <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-pencil-eyeliners">The 5 Best Pencil Eyeliners</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-emergency-kits">The 5 Best Emergency Kits</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-toilet-papers">The 5 Best Toilet Papers</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-smart-water-bottles">The 5 Best Smart Water Bottles</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-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best best eyeliner eyeliners gel eyeliner makeup product reviews shopping Fri, 09 Dec 2016 10:30:27 +0000 Andrea Cannon 1850893 at http://www.wisebread.com 5 Ways to Keep Anxiety From Ruining Your Budget http://www.wisebread.com/5-ways-to-keep-anxiety-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="/5-ways-to-keep-anxiety-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/friends_women_jogging_538947995.jpg" alt="Friends keeping anxiety from ruining their budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life gets tough sometimes. When work is overwhelming, you are fighting with your parents, and the news seems to get grimmer every day, you might find yourself shopping your way into a better mood or pulling the covers over your head and ignoring all of your responsibilities.</p> <p>Stress, anxiety, and depression affect all of us at some time or another. And whether you are dealing with occasional and momentary periods of stress, or you are in the grips of a long-term and serious depressive episode, your mental state can often wreak havoc on your finances. It's not easy to protect your budget from your anxiety's destructive impulses, but the following types of self-care will not only help you to feel better when stress strikes, but they will also protect your bottom line.</p> <h2>1. Recruit an Accountability Partner</h2> <p>Accountability partners are an important strategy for improving your finances. Not only does having a partner motivate you to stay on the straight-and-narrow while you pay down debt or increase your savings, but working with someone else can offer you encouragement when you are feeling down and add some fun to a long process.</p> <p>All of these benefits are also crucial if you are trying to keep your budget looking healthy while you're dealing with stress, anxiety, or depression. In the case of trying to keep your mental state from hurting your finances, your accountability partner may act a little bit more like a sponsor from a 12-step program. You can call that person when you are overwhelmed and count on her to remind you of why a shopping binge will not actually help you feel better.</p> <p>Obviously, you and your accountability partner need to be able to offer each other the emotional support you both need. In times of widespread anxiety, it can be a little more difficult to find a partner when everyone is feeling overwhelmed. However, leaning on each other is often a great way for two friends to both feel better and make the best financial choices for themselves.</p> <h2>2. Meditate</h2> <p>Mindfulness meditation has been proven to <a href="http://www.npr.org/sections/health-shots/2014/01/07/260470831/mindfulness-meditation-can-help-relieve-anxiety-and-depression">alleviate the symptoms</a> of both anxiety and depression. The focus of such meditation is to train your brain to remain in the moment, rather than obsess over the past or worry about the future. Such mindfulness will not only help you to put worries in perspective, but it can also help you to recognize the link between your emotions and your financially-destructive behavior.</p> <p>For instance, let's say that after a day of bingeing on news online, you badly want to put a lavish vacation on credit, just so you have something to look forward to. If you take 10 minutes to meditate instead, it can help you to see that your anxiety will not be helped by a vacation you can't afford. It will also allow you to feel your anxiety, rather than push it away, which is a much more productive method of getting past the negative feelings.</p> <p>If you have never meditated before, there are many <a href="http://www.nytimes.com/well/guides/how-to-meditate">beginner's guides</a> out there to teach you the practice of mindfulness.</p> <h2>3. Go for a Run</h2> <p>Exercise is the closest thing we have to a no-fail antidepressant. Research has shown that people are <a href="https://today.duke.edu/2000/09/exercise922.html">happier after breaking a sweat</a> than they were beforehand, even if they had to force themselves to go to the gym.</p> <p>In addition, an exercise habit can help you to avoid budget-destroying habits you might otherwise engage in, like retail therapy or a weekend-long Netflix marathon that keeps you from taking care of your grocery shopping and laundry.</p> <p>Of course, when you are in the midst of a deep funk, the idea of lacing up your sneakers and going out for a life-affirming run sounds about as enticing as getting a root canal. This is another place where your accountability partner can help you do what's best for you both. Set up a regular date to exercise together, and you will both get to enjoy the endorphins and the good company.</p> <h2>4. Volunteer</h2> <p>Depression, anxiety, and stress are often side effects of feeling helpless. When it feels as if you have little power over your circumstances, it's easy to retreat into bad and expensive habits to help yourself feel better.</p> <p>But there is always meaningful work that we can do to improve lives &mdash; even if we can't improve our own. That is why volunteering for a cause you believe in can be such an important tool in improving your outlook on the world. According to a 2008 study by the London School of Economics, people who volunteer <a href="https://www.ncbi.nlm.nih.gov/pubmed/18321629">experience greater happiness</a> than those who do not.</p> <p>The researchers theorize that volunteering makes you happier because it helps to put your situation in perspective. In addition, volunteering your time helps alleviate depression because it allows you to feel like you are a part of something important that is doing good in the world.</p> <h2>5. Engage in Productive Self-Care</h2> <p>Sometimes things feel so bleak that you really do need to retreat and take care of yourself. There is nothing wrong an occasional &quot;Stop the world, I want to get off!&quot; day for yourself. But there can be a fine line between healthy and productive self-care, and self-destructive wallowing. For instance, buying a bottle of nail polish might make you feel good, which could prompt you to keep buying to keep that good feeling going. Instead, you might be better served by inviting a friend over to paint your nails together.</p> <p>To make sure your self-care is helpful rather than harmful, start with your needs. Ask yourself what needs are not being met right now, and listen carefully to the answer that bubbles to the surface. Wallowing is often a passive reaction, whereas productive self-care is when you engage in fulfilling your unmet needs. Taking the time to think through what you need may help you realize that you don't actually want to go out drinking, but instead you need to talk with a good friend.</p> <h2>Don't Let Depression, Anxiety, and Stress Hurt Your Finances</h2> <p>When your thoughts get stuck in a hamster wheel of anxiety or depression, the easy method of handling your distress can often cause you financial stress. Being intentional and mindful about how you handle your negative mental states can help to alleviate your feelings of helplessness and keep your finances healthy.</p> <p>If you are experiencing severe depression and/or suicidal thoughts, please contact the National Suicide Prevention Lifeline at 1-800-273-8255.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-keep-anxiety-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-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</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-ways-to-prevent-the-winter-blues-from-busting-your-budget">5 Ways to Prevent the Winter Blues from Busting Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Lifestyle anxiety bingeing budgeting depression exercise Help mental health overspending self care stress volunteering Tue, 06 Dec 2016 11:00:09 +0000 Emily Guy Birken 1843967 at http://www.wisebread.com 7 Ways to Sneak More Exercise Into Your Busy Schedule http://www.wisebread.com/7-ways-to-sneak-more-exercise-into-your-busy-schedule <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-sneak-more-exercise-into-your-busy-schedule" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cigna-busy-exercise-schedule.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A good workout is the key component of some of the most successful people's daily routines. Not only does exercise boost your energy, but it also relieves stress and releases those <a href="http://health.usnews.com/health-news/diet-fitness/slideshows/7-mind-blowing-benefits-of-exercise">feel-good endorphins</a> that make you feel like you can conquer any task. President Barack Obama, media icon Oprah Winfrey and billionaire Richard Branson all swear by their <a href="http://www.businessinsider.com/exercise-routines-of-successful-people-2015-6">daily workout routines</a>. And if they can make time for exercise, so can you.</p> <p>Try some of these tips for sneaking more fitness into your busy life.</p> <h2>1. Set Small Daily Goals</h2> <p>Would you like to drop a few pounds, or is it chiseled abs that you're after? Or maybe you're looking to add more heart-healthy aerobic exercise to your routine. Whatever your motivation for embarking on this journey to <a href="http://www.cigna.com/healthwellness/hw/medical-topics/exercise-and-physical-activity-ideas-aa165656#aa165656-sec">sneak more fitness into your life</a>, sit yourself down with a pen and notepad and pinpoint a clear fitness goal. Then write down a list of all the little daily goals you'll need to achieve in order to reach it.</p> <p>Simply having a goal to visualize, like building up enough arm strength to complete a pull-up or the endurance to run a 5K, will help keep you focused. And when you break your overarching goal down into several smaller goals, the finish line starts to feel a whole lot more attainable.</p> <h2>2. Fuel Yourself With Energizing Foods</h2> <p>Some foods are naturally energizing, while others are more inclined to make us feel sleepy and sluggish. And, as we all know from experience, it can feel impossible to muster up the willpower to be active when you're drowsy. Solution: Eat more activating foods.</p> <p>Almonds make for a convenient snack, for example, and their high caloric content will give you the fast fuel you need to rev up for a swim in the lap pool or a neighborhood run. Fruits and vegetables of all kinds are packed with the energizing vitamins your body needs to keep you feeling alert and motivated. On the avoid list are sugary snacks that can lead to an energy crash as well as processed foods that are harder for the body to metabolize.</p> <h2>3. Touch Your Toes</h2> <p>You can do it anywhere and it needn't take more than a couple of minutes. It's one of the simplest exercises out there, yet touching your toes can benefit you in big ways. Toe touches help to increase your range of motion, which can slowly but surely <a href="http://www.menshealth.com/fitness/3-minute-flexibility-routine">boost your flexibility</a> &mdash; and that's something that will give you a boost in any workout routine. Not only is good flexibility key to building muscle, it also helps your body avoid injuries. So when you're waiting for the coffee to brew or for the oven to heat, sneak in some gentle toe-touches.</p> <h2>4. Make a Workout of Your Morning Commute</h2> <p>Why not capitalize on your commute? If you live within a reasonable distance from your workplace, opt to commute on bicycle or foot. By getting a little exercise en route to and from the office, you'll make efficient use of what would otherwise be sedentary time. If you live too far to walk or bike, park a little further from the entrance and take the stairs instead of the elevator to your office.</p> <h2>5. Walk for 30 Minutes</h2> <p>Not only is walking highly accessible with no need for fancy fitness equipment, it can be done at day or night, at a park or at a shopping mall &mdash; or even around the house. <a href="http://www.adaa.org/living-with-anxiety/managing-anxiety/exercise-stress-and-anxiety">Just five minutes</a> of aerobic walking can increase your energy and mental agility, but most fitness experts suggest extending your walk for 30 minutes if you also want to <a href="http://www.statesmanjournal.com/story/life/2015/03/30/walk-health-minutes-day-can/70364108/">ward off chronic disease</a>. If you're finding it difficult to carve out a full half hour for your aerobic walk, find solace in knowing that you can break it up and still get all the health benefits, so long as you're completing 30 cumulative minutes of brisk walking over the course of the day.</p> <h2>6. Keep Your Gym Clothes Handy</h2> <p>Bring them to work. Keep a spare set in the car. Treat them as you would your wallet and don&rsquo;t leave home without them. Whenever you have down time is a great time to get your sweat on. So don't let yourself miss out on an impromptu jog through the park just because you don't have easy access to a pair of sneakers.</p> <h2>7. Recruit an Exercise Buddy</h2> <p>It can be much easier to stay true to your fitness goals when you have a friend, family member or colleague at your side. Exercising with a partner actually <a href="http://www.fitnessmagazine.com/mind-body/inspiration/7-ways-to-find-a-fitness-buddy/">improves weight-loss results</a> because your partner can help keep you motivated on days when your commitment starts to waver.</p> <p><em>This information does not replace the advice of a doctor. Please consult your physician before beginning this or any exercise program.</em></p> <p><em>This article is sponsored by Cigna. It is for educational purposes only and is intended to promote consumer health. It is not intended as medical advice and you should always consult a professional for medical advice. For other tips on using your health benefits, visit </em><a href="http://www.cigna.com/takecontrol/">http://www.cigna.com/takecontrol/</a>. <em>&nbsp;All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/7-ways-to-sneak-more-exercise-into-your-busy-schedule">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-9"> <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-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</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/30-unexpected-uses-for-mineral-oil">30 Unexpected Uses for Mineral Oil</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/want-to-keep-your-dispoable-razor-blades-sharp-use-your-arm">Want to Keep Your Disposable Razor Blades Sharp? 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