Budgeting http://www.wisebread.com/taxonomy/term/4804/all en-US How to Make Sure You're Getting a Deal With Groupon Getaway http://www.wisebread.com/how-to-make-sure-youre-getting-a-deal-with-groupon-getaway <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-sure-youre-getting-a-deal-with-groupon-getaway" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mid_adult_couple_shopping_using_laptop_and_credit_card.jpg" alt="Mid adult couple shopping using laptop and credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you've ever explored different ways to save on travel, you've probably stumbled on <a href="http://tracking.groupon.com/r?tsToken=US_AFF_0_201409_1663122_0&amp;url=https%3A%2F%2Fwww.groupon.com%2Foccasion%2Fhot-travel-deals%3Fz%3Dskip%26utm_medium%3Dafl%26utm_campaign%3D201409%26mediaId%3D1663122%26utm_source%3DGPN" target="_blank">Groupon Getaways</a>. Like traditional Groupon deals, Groupon Getaways promise huge discounts on hotels and hotel-and-airfare packages if purchased within a limited time frame.&nbsp;(See also: <a href="http://www.wisebread.com/the-6-best-vacation-deal-websites?ref=seealso" target="_blank">6 Best Vacation Deal Websites</a>)</p> <p>It's easy to see their allure. Groupon Travel recently advertised a one-week&nbsp;Italy vacation with airfare for $999&nbsp;per person. It featured round-trip flights to Naples from major cities like Chicago and New York, and six or seven nights at a hotel in the ancient town of Paestum, south of Naples.</p> <p>That sounds like a good deal, but is it? Let's explore this Groupon travel package and others to find out.</p> <h2>Deconstructing a Groupon&nbsp;Getaway</h2> <p>Before we can decide if this is a good deal, it helps to know what exactly was included. Here's what the Groupon travel website offered with the package.</p> <h3>Flights and transportation</h3> <ul> <li> <p>Round-trip airfare from New York (JFK), Boston (BOS), or Chicago (ORD)</p> </li> <li> <p>Manual shift economy car rental for duration of trip</p> </li> </ul> <h3>Hotel</h3> <ul> <li> <p>A stay of six or seven nights at&nbsp;Hotel Ariston in Paestum</p> </li> </ul> <p>For $99 extra per person, you could also score free breakfast at your hotel daily, along with a Bufala cheese tasting.</p> <p>Read further and you'd see this package came from a company called&nbsp;Great Value Vacations. And while your vacation isn't guided, the company went through the trouble of creating a sample itinerary with suggestions of cities and sights to see &mdash; stops in Rome to see Piazza Navona and Trevi Fountain, for example, along with tips on seeing the buried city of Pompeii and the unparalleled beauty of Capri and Anacapri. Of course, you'd have to pay out of pocket to see all those sights, just as you would if you'd booked your airfare and hotel yourself.</p> <p>In the ad's fine print it said that the Groupon was limited to one per person, yet the price was based on two people sharing a room and there was a $500 fee to travel solo.</p> <p>Another detail to note: The fine print said that &quot;additional fees apply to select departure dates.&quot; And while there were a ton of departure dates available, they weren't flexible at all. Worse, only two of the departure dates and cities offered came with the advertised price tag of $999. To fly out of Chicago in July, for example, costs $1,724 per person instead of $999. Out of New York in September on select dates? That would set you back $1,249.</p> <p>So much for that.</p> <p>Out of curiosity, I checked for a similar trip on Expedia using random dates this summer and fall. While I didn't find any hotel packages that included a stay in Paestum, here's what I did find: Airfare, hotel, and rental car packages from Chicago to Naples started at $759 for a week in September. Similar packages from Boston to Rome in October started at about $525.</p> <p>Plugging in a bunch of different dates and cities, I found dozens of similar packages for less than $1,000 &mdash; and sometimes a lot less. Best of all, these packages allow you to pick your dates and your hotel instead of locking you in.</p> <p>So, while $999 per person for a week in Italy with a hotel and rental car seemed like a good deal, it may not be that great after all. (See also: <a href="http://www.wisebread.com/11-ways-to-save-money-on-holiday-travel?ref=seealso" target="_blank">11 Ways to Save Money on Travel</a>)</p> <h2>How to evaluate Groupon Getaways</h2> <p>The Italy package is just one example of a sour &quot;deal,&quot; but there are many, many more. There are also plenty of travel packages that <em>are</em> a good deal.</p> <p>For example, Groupon Getaways recently offered a $599 all-inclusive trip to Negril, Jamaica from certain cities. If you departed from Atlanta on June 1, you would have paid $599 for round-trip airfare and an all-inclusive stay at the Riu Negril.</p> <p>I checked outside of Groupon, and similar flights started at $570 per person on discount airline Spirit. That was for the flight alone. It would cost another $200 a night to stay at the all-inclusive Hotel Riu Negril. Obviously, this was an awesome deal if you lived near Atlanta or could get there cheaply. (See also: <a href="http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget?ref=seealso" target="_blank">How to Save Up a Big Travel Budget</a>)</p> <p>So, how can you sort the good deals from the bad? Consider these tips.</p> <h3>1. Price out Groupon packages to see how much you'll save</h3> <p>The best way to save money with Groupon Getaways is to price out each trip and its components individually. With the Italy itinerary mentioned above, there were scads more affordable options with a lot more flexibility. But, you may not have known that if you didn't do some digging to see how much everything costs.</p> <p>The same can be true when you <em>are </em>getting a good deal. As with the Riu Negril package mentioned above, pricing the components out individually can accurately depict your savings. But you won't know how much you'll save if you never check.</p> <h3>2. Avoid packages with excessive fine print or blackout dates</h3> <p>The big problem with Groupon Getaways is all the fine print. Some only offer the packages on certain dates and from certain airports. Others have so many exclusions it's hard to keep track, or they add a surcharge if you travel alone. Make sure to read all the details so you know what you're getting into.</p> <h3>3. Factor in the costs of getting to a specific airport</h3> <p>If you're considering a Groupon Getaway that includes airfare, make sure to add in the costs of getting to a big city airport. Most of the packages only offer departures from major airline hubs like New York, Chicago, Boston, and Los Angeles. If you live in Boise, Idaho, you'll need to get to one of those airports first. Unfortunately, that costs money, too.</p> <h3>4. Just because&nbsp;it's &quot;on sale&quot; doesn't mean it's a good deal</h3> <p>While this last tip is broader, it's probably the most important. Just because something says it's a deal doesn't mean it will save you money. The Italy vacation referenced above said it had a $1,599 retail value and saved you 38 percent, but it likely wouldn't have. At the end of the day, it's important to do your research and decide for yourself. A little bit of digging can ensure any decision you make is an informed one.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/how-to-make-sure-youre-getting-a-deal-with-groupon-getaway">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/what-to-do-about-a-terrible-airbnb-stay">What to Do About a Terrible Airbnb Stay</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-spring-break-budget-busters-to-avoid">11 Spring Break Budget Busters to Avoid</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-useful-items-hotels-usually-provide-for-free">14 Useful Items Hotels Usually Provide for Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-most-affordable-beach-towns-in-mexico">8 Most Affordable Beach Towns in Mexico</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel flight deals groupon groupon getaway hotels travel travel tips vacation vacation tips Mon, 26 Jun 2017 08:30:18 +0000 Holly Johnson 1971632 at http://www.wisebread.com How to Rise Above Financial Jealousy http://www.wisebread.com/how-to-rise-above-financial-jealousy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-rise-above-financial-jealousy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/portrait_of_an_attractive_woman_at_table_ lotus_pose.jpg" alt="Portrait of an attractive woman at table , lotus pose" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financial jealousy usually comes from judging a book by its cover, and seeing only one side of the story. You see a successful person driving a fancy sports car and the envy monster comes out. Or, you have a co-worker who is always wearing new clothes, new accessories, and carrying the latest gadgets. Your mind works overtime creating a perfect life around that facade.</p> <p>But really, you don't know the half of it. That person could be completely miserable, and may be caught in the downward spiral of retail therapy. They could be massively in debt. They might also work 90-hour weeks at multiple jobs, giving them very little time to enjoy the fruits of their labor. There are two sides to every story, and chances are, you barely know anything about either. So when you start feeling those pangs of envy, here's how to rise above. (See also: <a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor?ref=seealso" target="_blank">6 Ways Envy Is Keeping You Poor</a>)</p> <h2>Remember that the grass is not always greener</h2> <p>There is a scene in the movie <em>The Firm</em> that sums this up perfectly. After becoming embroiled with a mafia law firm, Tom Cruise's character is fighting to stay alive. He's wealthy, he has everything he ever wanted, but his life is all but over. At one point, his wife says, &quot;Let's put the books away, pretend we're back in our old, beat-up apartment, broke, and we find some money we forgot in pockets. We'll send out for pizza. Drink beer. And watch <em>Star Search</em>.&quot; Times were better when they were struggling, because their happiness did not come from money and possessions; it came from each other.</p> <p>Someone else may look like they have the perfect life, and never struggle, but money is not the answer to everything. They may even be envious of you, your life, and your relationship with your family and friends.</p> <h2>Ask yourself why you're so jealous</h2> <p>Sometimes our gut reaction to seeing the wealth of others is to instantly think, <em>I wish I had that.</em> The next time that happens, follow it up with, <em>but why do I want that?</em></p> <p>Let's take the guy with the super expensive sports car. Sure, it's flashy and can do 220 mph. But when can you ever go that fast on American roads? Do you know what kind of mileage it gets? Chances are, it's one horrendous gas guzzler. The maintenance on those cars is prohibitively expensive. The tires cost a fortune, as does the insurance. And then there's the fear of leaving it anywhere it could get scratched, dinged, or stolen.</p> <p>Your current car may not be flashy, but it does the job, it's reliable, and you don't worry about it when it's not parked safely in your garage. And this is just one example. Houses, expensive clothes, jewelry, gadgets, and designer trinkets can consume you. Consider that the next time you see someone driving a Lamborghini.</p> <h2>Look at what you already have</h2> <p>According to the U.S. Census Bureau, the average household income in 2014 was $73,298. If you plug that into the website <a href="http://www.globalrichlist.com/" target="_blank">Global Rich List</a>, you can see how you compare to the rest of the world; the result is staggering. With an income of just under $74k, you are in the top 0.11 percent of the richest people in the world. Raise that to $100k and it becomes 0.08 percent. Think about that for a second.</p> <p>Many people have limited access to clean drinking water and healthy meals. For some, health care is nonexistent. Many people live in shanty towns, are homeless, or struggle to put food on the table every day. When you find yourself wishing for things another person has, consider that you are wealthy in the grand scheme of things. Let's not forget, we live in a society that eats food before and after a main meal. Appetizers and desserts are commonplace for us, but exorbitant luxuries for many. Perspective is everything.</p> <h2>There are more important things in life than money</h2> <p>When someone says, &quot;Money cannot buy happiness&quot; your natural reaction is to respond with something like, &quot;Well, it sure makes things a lot easier.&quot; And that's true. Money can buy travel, shelter, and experiences. It can give you peace of mind. But, it cannot buy the most important things in our lives. Health, for instance. Imagine waking up tomorrow to find out you or a loved one is very sick. Your financial jealousy immediately flies out of the window. Who cares if Mr. Jones has a brand-new BMW? You just want good health for yourself or your loved one.</p> <p>Money cannot buy real, unconditional love. Possessions can bring happiness for a little while, but most of them become next year's Goodwill donations or eBay sales. When we have the love of wonderful people, great health, enough to eat and drink, and plenty to laugh about, we are rich indeed. (See also: <a href="http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated?ref=seealso" target="_blank">5 Reasons Being a Millionaire Is Overrated</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-rise-above-financial-jealousy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-peer-pressure-from-destroying-your-finances">How to Keep Peer Pressure From Destroying Your Finances</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-envy-is-keeping-you-poor">6 Ways Envy Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-sloth-is-keeping-you-poor">6 Ways Sloth Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor">7 Ways Pride Is Keeping You Poor</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-five-stages-of-not-shopping">The Five Stages of Not Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle envy financial jealousy grass is always greener jealousy keeping up with the joneses seven deadly sins Fri, 23 Jun 2017 09:00:10 +0000 Paul Michael 1971277 at http://www.wisebread.com 8 Most Affordable Beach Towns in Mexico http://www.wisebread.com/8-most-affordable-beach-towns-in-mexico <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-most-affordable-beach-towns-in-mexico" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/playa_del_carmen.jpg" alt="Playa del Carmen" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Mexico is filled with gorgeous beach towns that beckon global tourists year-round. The great thing is, many of them are affordable. That's especially true these days for Americans carrying U.S. dollars, since the exchange rate is so attractive now. Here are eight of the most affordable Mexican beach towns to visit, plus why you should go.</p> <h2>1. Loreto</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/shopping_in_loreto_mexico.jpg" width="605" height="340" alt="" /></p> <p>Situated on the Baja California Peninsula, Loreto offers more than a cool splash in blue waters. It's also home to the centuries-old church, Misión de Nuestra Señora de Loreto, and prehistoric cave paintings at the Sierra de la Giganta mountain range.</p> <p>Beach-lovers can see pelicans, dolphins, and whales off the coast around Bahía de Loreto National Park. If you come in spring, you may also catch the migration of whales. For those after a little more active vacation, there is plenty of snorkeling and sport fishing, too.</p> <p>Best of all, three-star hotels in Loreto start at just $50 per night. (See also: <a href="http://www.wisebread.com/caribbean-island-vacations-anyone-can-afford?ref=seealso" target="_blank">Caribbean Island Vacations Anyone Can Afford</a>)</p> <h2>2. Mazatlán</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/mazatlan_mexico_scenic_look_out_point.jpg" width="605" height="340" alt="" /></p> <p>Referred to as the Pearl of the Pacific, this resort town boasts 11 miles of boardwalk that promises lovely strolls along the sea. Mazatlán is also known for gorgeous architecture, friendly locals, a rich history, and a world-renowned night life district called Zona Dorada (Golden Zone).</p> <p>A fun to-do list could include visiting the Immaculate Conception Cathedral in the historic part of town, dropping by the Zona Dorada to mingle with fellow tourists, and catching breathtaking sunsets.</p> <p>Like surfing? Mazatlán is known as a surfing haven because of its enormous waves. If you are visiting as a family, you can also take the little ones to the Mazatlán Aquarium.</p> <p>Mazatlán is convenient to get to and offers semitropical weather all year. Plus, you can find three-star hotels starting from $70. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=seealso" target="_blank">Best Hotel Credit Cards</a>)</p> <h2>3. Todos Santos</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/quiet_each_near_cabo_on_the_pacific_ocean.jpg" width="605" height="340" alt="" /></p> <p>Popular with both artists and surfers, Todos Santos is located on Mexico's Baja California Peninsula. History enthusiasts might drop by the local Profesor Néstor Agúndez Martínez Cultural Center while beach-lovers might hang out at surfer-friendly San Pedrito, Los Cerritos, or La Pastora.</p> <p>While surfing is the most popular activity in Todos Santos, it's not the only adventure on the menu: You can go kayaking, camping, fishing, or hiking. You can also take part in an eco-tour.</p> <p>In the winter, Todos Santos is a premier spot to watch the migration of gray whales. And walking through the historic part of town will get you to numerous art galleries.</p> <p>You can find hotels starting at $30, although most three-star hotels cost $90 per night and up. (See also: <a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards?ref=seealso" target="_blank">Once-In-a-Lifetime Experiences I've Earned with Credit Card Rewards</a>)</p> <h2>4. Troncones</h2> <p>Troncones is a beach village 30 minutes away from Zihuatanejo-Ixtapa International Airport. The city is best known for its beaches and four main surf spots: La Saladita, Troncones Point, the Ranch, and La Boca. If surfing isn't your thing, you can still relax on the beautiful beaches with a good book. Animal lovers will also enjoy the many local pelicans and sea turtles.</p> <p>In Troncones, three-star hotels start at around $80 per night.</p> <h2>5. Playa del Carmen</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/playa_del_carmen_tourist_district_mayan_riviera_mexico_shops_restaurants.jpg" width="605" height="340" alt="" /></p> <p>Coastal resort town Playa del Carmen is the third largest city of its state, Quintana Roo, with seemingly endless palm trees, coral reefs, nightclubs, and restaurants. While it might be a bit more touristy than the other towns on the list, it makes up for it by its closeness to Cancun's International airport.</p> <p>In Playa del Carmen, you can spend the day diving, snorkeling, or swimming. In addition to its water-related activities, Playa del Carmen is also world famous for its restaurants and night life. At night, catch Mayan dance performances and free salsa classes while perusing the shops on the city's famous strip, 5th Avenue.</p> <p>For warm weather and fewer tourists, you may want to visit in April and May. Three-star hotels near the beach start at $50 per night. (See also: <a href="http://www.wisebread.com/5-international-destinations-you-can-visit-for-50-a-day?ref=seealso" target="_blank">5 International Destinations You Can Visit for $50 a Day</a>)</p> <h2>6. Puerto Escondido</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/puerto_escondido_mexico_493313786.jpg" width="605" height="340" alt="" /></p> <p>Situated along the Pacific coast in the state of Oaxaca, this beach town has become known as a world-class surf destination. But if you&rsquo;re not a surfer, there's still plenty to do. The town features a number of beaches where you can snorkel, swim, fish, and windsurf. And you can always just watch the powerful waves and surfers who ply them from the beach.</p> <p>If you want to soak in a little culture on land, try a Mexican cooking class and trip to the local market. For bustling nightlife, check out the bars at Zicatela beach. Some nights they may even have&nbsp;live music.</p> <p>Three-star hotels start at around $40 a night.(See also: <a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips?ref=seealso" target="_blank">How to Use Travel Rewards Cards to Get Free Trips</a>)</p> <h2>7. La Paz</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/the_public_beach_with_water_slide_in_la_paz_mexico.jpg" width="605" height="340" alt="" /></p> <p>The capital of Baja California Sur is one of Mexico's best beach towns. La Paz is filled with lovely beaches, gardens, and parks. The town is also home to an array of seafront restaurants, hotels, and museums.</p> <p>Whether you want to go diving, watch the whales, or enjoy a secluded beach on your own, La Paz has tons to offer. Among La Paz's most famous beaches are Playa Balandra (especially great for kids), Playa el Coromuel, Playa Caimancito, Playa Pichilingue (ideal for camping), and Playa Tecolote, from which you can leave to see the island Espíritu Santo (or the Holy Spirit) &mdash; a Unesco World Heritage site. At any of these famous beaches, you can go kayaking or snorkeling, or simply enjoy the cliffs and inlets.</p> <p>Three-star hotels in La Paz start at just $50 per night. (See also: <a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds?ref=seealso" target="_blank">Flight Booking Hacks to Save You Hundreds</a>)</p> <h2>8. Sayulita</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunrise_over_coast_of_sayulita_mexican.jpg" width="605" height="340" alt="" /></p> <p>Like many Mexican beach towns, Sayulita is affordable, beautiful, and surfer-friendly. The city also offers delicious seafood along with plenty of activities to keep you occupied.</p> <p>Since the waves are beginner-friendly, Sayulita is a great option if you want to learn how to surf with your kids. If you're after natural beauty and snorkeling opportunities, on the other hand, consider a day trip to nearby Marieta Islands.</p> <p>While in town, drop by Sayulita Fish Taco, a bar offering more varieties of tequila than you can count.</p> <p>Plan on paying $15 per night to stay in a hotel or $115 per night for three-star hotels. (See also: <a href="http://www.wisebread.com/8-amazing-hawaiian-resorts-you-can-book-with-rewards-points?ref=seealso" target="_blank">8 Amazing Hawaiian Resorts You Can Book With Rewards Points</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/8-most-affordable-beach-towns-in-mexico">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or 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/how-to-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-that-anyone-can-travel-for-free">7 Ways That Anyone Can Travel for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel budget travel mexican vacation mexico saving money on vacation travel tips tropical destinations Fri, 23 Jun 2017 08:30:13 +0000 Holly Johnson 1971281 at http://www.wisebread.com 6 Terrible Money Moves to Avoid on the First Date http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-terrible-money-moves-to-avoid-on-the-first-date" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_rejecting_a_geek_boy_in_a_blind_date.jpg" alt="Woman rejecting a geek boy in a blind date" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dating is tough, and first dates can be particularly awkward if you don't know anything about the other person. What you say and do can determine whether there's a second date, so it's important to present your best self. You shouldn't expect perfection, so don't stress too much about stumbling over your words or moments of silence. Chances are, these won't make or break the night. But you might shoot yourself in the foot if you make a few terrible money moves.</p> <p>Want to improve the odds of seeing this person again? Here are six money moves to avoid on the first date. (See also: <a href="http://www.wisebread.com/8-ways-to-save-on-a-first-date-without-looking-cheap?ref=seealso" target="_blank">8 Ways to Save on a First Date Without Looking Cheap</a>)</p> <h2>1. Announcing that you're splitting the check</h2> <p>If I've said it once, I've said it a million times: There's nothing wrong with going Dutch on a first date &mdash; just don't be a jerk about it. If you initiated the date, pick up the tab. Conversely, if the other person initiated the date, you can expect that they'll pick up the tab, but don't assume that's the case. Offer to pay half, and make your decision on whether you want to have a second date based on their willingness to accept your offer, or if they cover all of it.</p> <p>If the date was a mutual decision, make a good impression by offering to pay. If your date insists on paying half, there's nothing wrong with that, and nobody should get their feelings hurt about it. But don't force the issue or make your date feel uncomfortable. In fact, don't mention splitting the bill at all until they offer. It's just bad form. (See also: <a href="http://www.wisebread.com/who-should-pay-for-the-first-date?ref=seealso" target="_blank">Who Should Pay for the First Date?</a>)</p> <h2>2. Taking advantage of your date's generosity</h2> <p>If your date picks up the tab for the night, go easy on his or her pocket. There might be wiggle room in the budget for dinner, drinks, and maybe dessert, but this doesn't give you the green light to order the most expensive item on the menu or suggest costly activities that leave your date broke. Not to say you should only order a cheap salad and water, but be reasonable.</p> <h2>3. Overspending to impress your date</h2> <p>In an effort to impress your date, it's easy to go a little overboard to create a memorable night. You should have fun, but not at the expense of your bank account. Check your finances and determine how much you're able to spend for the night, and then recommend a restaurant or activities within your budget.</p> <p>You don't have to break the bank to impress the other person. If that&rsquo;s what it takes to guarantee a second date, this isn't the person for you. (See also: <a href="http://www.wisebread.com/how-much-should-you-actually-be-spending-on-a-date?ref=seealso" target="_blank">How Much Should You Actually Be Spending on a Date?</a>)</p> <h2>4. Asking personal financial questions</h2> <p>If you have a firm grip on your personal finances, you will likely seek a partner with a similar financial mindset. It's important to have financial discussions with a significant other to avoid surprises down the road. But the first date isn't the time or the place to get into all that nitty-gritty. If anything, your date might consider personal financial questions intrusive, which sets a negative tone for the night.</p> <p>Likewise, if you pry or inquire about your date's income, this person might assume you have an ulterior motive. And if you ask about their debt or credit score, they might feel you're getting too close to soon, which can scare them away.</p> <p>Give it some time. Wait until you have mutual feelings for each other. Only then should you sit down and have an honest discussion about your financial lives so you can make the best decisions for yourselves moving forward.</p> <h2>5. Bragging about your salary</h2> <p>Not only should you avoid asking your date personal questions about their financial life, avoid sharing too much information about your financial life too soon. Maybe you're proud of your job, your accomplishments, and your strong financial background. Or maybe you feel dropping salary information will amaze the other person and keep them around. But bragging can be a turn off.</p> <p>If you spend the majority of the night patting yourself on the back and revealing how much you earn and/or spend, your date could conclude that your ego is too big and run for the hills, or only stick around because of what you bring financially to the table.</p> <p>It is common and acceptable to ask about occupations on a first date, but don't get into detail about salaries.</p> <h2>6. Airing your dirty laundry</h2> <p>Bringing up negative aspects of your financial life on a first date can be just as disastrous as bragging. Remember, the idea is to make a great impression, not come off as a liability. If you mention your poor credit history, excessive credit card debt, or poor financial outlook, yet your date has a tight handle on their finances, this person could make assumptions before getting to know you and presume you're irresponsible.</p> <p>You shouldn't hide these issues, but you should get to know each other before airing your dirty laundry.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date">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/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</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-it-pays-to-stay-single">6 Ways It Pays to Stay Single</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-you-actually-be-spending-on-a-date">How Much Should You Actually Be Spending on a Date?</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/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</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/if-youre-doing-this-on-your-first-date-youre-not-getting-a-second">If You&#039;re Doing This on Your First Date, You&#039;re Not Getting a Second</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle Dating etiquette first date money conversations money moves relationships Spending Money Tue, 13 Jun 2017 09:00:08 +0000 Mikey Rox 1964080 at http://www.wisebread.com How to Resist the Expensive "Once in a Lifetime" Mentality http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-resist-the-expensive-once-in-a-lifetime-mentality" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_having_fun_shopping.jpg" alt="Happy woman having fun shopping" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I spent part of my junior year of college abroad. While I was there, I got a lot of emails from home asking me if I'd done this or that yet, and many of them ended with the reminder, &quot;You'll only get to do this once!&quot;</p> <p>While I did do some things that were out of the ordinary, I tried to keep myself in check. I knew I had a limited budget and that there'd be hell to pay if it ran out before I got home.</p> <p>As it turns out, this &quot;once in a lifetime&quot; mentality gets a lot of people in trouble. They spend too much, take on debt, end up with stuff they don't even want or need, and more. When we think that something only happens once in a lifetime (or, at least, very rarely), we feel like that alone justifies spending more money than we usually would.</p> <p>As my time in Europe shows, though, it's possible to curb this impulse and still have a memorable, meaningful time. Here's how.</p> <h2>1. You do you</h2> <p>Sure, you may only get to do something once in a lifetime, but that doesn't mean you have to say &quot;yes&quot; to every option. If you're planning a wedding and flowers are important to you, go all out. But if they aren't important to you, there are a million cheaper ways to decorate, and some of them may even reflect your personality better.</p> <p>Know yourself, and choose how to spend your money based on what you know and like. Put your money into things that will create the memories you want to have, and leave the rest behind. (See also: <a href="http://www.wisebread.com/5-mental-biases-that-are-keeping-you-poor?ref=seealso" target="_blank">5 Mental Biases That Are Keeping You Poor</a>)</p> <h2>2. Know your bottom line</h2> <p>Decide, preferably before you're in the middle of your once-in-a-lifetime event, exactly how much you are willing to spend. If you're going on a cruise, decide before you leave exactly how much you're willing to spend on excursions and souvenirs. Make sure you do your research before you decide how much you can spend in certain categories. This will help you keep your spending in check, because you'll know what is possible and what is way too far out of your budget.</p> <h2>3. Track your spending</h2> <p>I know, you're supposed to be having fun. But the truth is that you will have a better time knowing you're staying within your budget than you will if you're carrying around a nagging worry about money all the time.</p> <p>You can keep detailed records if you want to, but working with round numbers is OK, too. The idea is that looking at your receipts at the end of the day and adding them up will help you know where you stand with your budget. Sometimes, coming face-to-face with a big expenditure early in your trip or your event will help you to spend less later.</p> <h2>4. Remember why you're here</h2> <p>Keep in mind why you are participating in your once in a lifetime event, and why it's worth spending money on at all. If you're planning a wedding, remember how much you love your future spouse. If you're traveling, remember why travel is important to you and why you chose this trip in particular. Keeping your <em>why </em>in the forefront of your mind will help you make better choices with your money. You will be more likely to choose to spend on things that are important to you, and forget the rest. (See also: <a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget?ref=seealso" target="_blank">How One Nice Thing Can Ruin Your Whole Budget</a>)</p> <h2>5. Put it in the budget</h2> <p>If you like spending a lot of money on once in a lifetime events and you don't want to stop, put that in your budget and set aside some money each month for it. That way, when something special does come along, you can follow the impulse to splurge without putting yourself deep in debt later.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-problems-you-can-solve-with-20">8 Problems You Can Solve With $20</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-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</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/when-self-care-actually-harms-your-budget">When Self-Care Actually Harms Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping mental biases once in a lifetime saving money Shopping Tricks Spending Money treat yourself Tue, 13 Jun 2017 08:30:18 +0000 Sarah Winfrey 1964079 at http://www.wisebread.com 6 Lessons on How to Be a Financial Grownup From Bobbi Rebell http://www.wisebread.com/6-lessons-on-how-to-be-a-financial-grownup-from-bobbi-rebell <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-lessons-on-how-to-be-a-financial-grownup-from-bobbi-rebell" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_serious_successful_517011428.jpg" alt="Woman learning how to be a financial grownup" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thanks to Toys 'R Us and its catchiest ad ever, I spent several years never wanting to grow up. Being a kid was easy, and being a grownup always seemed terrifying. It meant being financially responsible for everything and struggling to make ends meet while pursuing my goals.</p> <p>Luckily, every single person on this planet can relate to that fear, and they are all trying to make it on their own, as well. So when I read the new book by <a href="http://www.bobbirebell.com/" target="_blank">Bobbi Rebell</a>, award-winning TV anchor and former personal finance columnist at Reuters, entitled <em>How to Be a Financial Grownup</em>, I was immediately put at ease.</p> <p>Rebell's book is a compelling collection of stories from successful entrepreneurs and famous faces, detailing the moments they became financial grownups, and the wisdom they picked up along the way. Rebell brilliantly interweaves these powerful stories with her own expertise, and provides actionable steps to make your financial goals a reality. Here are the lessons on how to be a financial grownup that stuck with me the most.</p> <h2>1. Don't compare your path to others</h2> <p>The third chapter of <a href="http://amzn.to/2rRSEUK" target="_blank"><em>How to Be a Financial Grownup</em></a>, titled &quot;Careers Are for Making Money&quot; is my absolute favorite section of the book. Fashion designer Cynthia Rowley, Betterment CEO Jon Stein, Macy&rsquo;s Chairman and CEO Terry J. Lundgren, and others share their stories of how they made it big. All have extremely different paths to success, and some had significant bumps along the way. But you have your own unique background, which shapes your own unique goals. Follow them, and embrace the fact that you are putting yourself out there as someone new, hungry, and different from the rest.</p> <h2>2. Accept that failure is a given</h2> <p>You're going to fail. You're going to struggle. You're going to get burned. It's inevitable. And failure can come in many different forms, but none should deter you from chasing your goals. An extreme example of struggle is when Jim Cramer, host of <em>Mad Money</em>, shared his story with Rebell of being the target of multiple robberies while living in Los Angeles, and upon returning from a journalism assignment in San Diego, learned he was evicted from his L.A. apartment. Cramer was homeless, and his financial grownup moment came when he realized he never wanted to be that poor again. He switched from a career in journalism to finance.</p> <p>The good thing about human beings is our incredible ability to adapt to our surroundings. So when you're facing an epic financial or professional failure, you'll still be able to get some clarity, pick yourself up, and try again the next day.</p> <h2>3. Allow yourself to splurge on those lattes, sometimes</h2> <p>Rebell fully acknowledges that gourmet, pricey lattes should not be an everyday occurrence. We've heard a million times before that expensive coffee is the reason we're all broke, why we can't buy houses, etc. Luckily, Rebell finds a healthy balance between overspending on and abstaining from your morning beverage of choice. Her two exceptions to the &quot;never buy lattes&quot; rule are as follows:</p> <ul> <li>&quot;Buy coffee at a coffee shop if you're going there for social reasons. Meeting friends at a coffee shop is going to be a lot cheaper than going out for a meal.&quot;<br /> &nbsp;</li> <li>&quot;If you're using the coffee shop as an ad hoc office, by all means buy some coffee. Sitting at a coffee shop for a few hours to get some work done, or having a meeting, is a lot less expensive than paying rent on an office.&quot;</li> </ul> <p>See? It's all about balance and moderation. Being a financial grownup shouldn't mean setting restrictive limits on things you enjoy, so long as you don't overdo it.</p> <h2>4. Push bad debt out of your way</h2> <p>According to Rebell, bad debt &mdash; most commonly credit card debt and student loan debt &mdash; is what's standing in your way of becoming a financial grownup. You don't need all of your bad debt to be paid off to before you become a financial grownup, though. The first step to reaching financial maturity is acknowledging the obstacles in front of you. Then you come up with a strategy to defeat them, including reasonable goals that you can meet on a flexible timeline. This process will never be as simple as, &quot;Day 1: Add up bad debt, Day 2: Pay it all off,&quot; unless you stumble upon a pile of cash. But coming up with a realistic plan that works will be immensely rewarding.</p> <h2>5. Nurture your relationship with credit</h2> <p>The thing about credit is that it's not all bad. We all want to be careful about the way we spend money and manage bad debt, but credit is something to be built, embraced, and closely monitored. You need it, even if you'd rather avoid it altogether.</p> <p>This is something millennials should work on. NerdWallet found that about a third of people ages 18 to 34 have never applied for a credit card. While it's wise to have a healthy fear of how irresponsible spending with credit cards can ruin your life, you still need to build credit in order to eventually buy a car or house, and to do all the other things financial grownups do. Rebell suggests using only a small portion of the credit you have available, &quot;ideally about 10 percent, and really try to use no more than 30 percent.&quot;</p> <h2>6. Stop asking the wrong questions</h2> <p>When Rebell asked Kevin O'Leary, successful entrepreneur and star of <em>Shark Tank</em>, to share his financial grownup moment, he recalled a powerful conversation with his stepfather. O'Leary was in high school when his stepfather, George, asked him what he wanted to do with his life. O'Leary wanted to skip college and become a photographer. George told him that &quot;'to be or not to be' isn't the question. The question is: What are you willing to do in order to be what you want to be?&quot;</p> <p>That shift in mindset helped O'Leary realize he wasn't willing to make the sacrifices involved in becoming a photographer. He wanted to make money, and in his business ventures he has made lots of it. That financial freedom has, in turn, allowed him to take up photography in his free time.</p> <p>So when you think about each goal you set for yourself, you shouldn't be asking what you want, but rather, how you're going to get it, and strategize from there.</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/6-lessons-on-how-to-be-a-financial-grownup-from-bobbi-rebell">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/these-5-money-saving-hacks-are-a-huge-waste-of-time">These 5 Money-Saving Hacks Are a Huge Waste of Time</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/read-ageproof-living-longer-without-running-out-of-money-or-breaking-a-hip-to-live-your-best-life">Read &quot;AgeProof: Living Longer Without Running Out of Money or Breaking a Hip&quot; to Live Your Best Life</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-money-lessons-to-take-from-the-great-depression">9 Money Lessons to Take From the Great Depression</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-50-money-moves-you-need-to-make-when-big-changes-happen">Flashback Friday: 50 Money Moves You Need to Make When Big Changes Happen</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-money-lessons-we-can-learn-from-celebrities">Flashback Friday: 38 Money Lessons We Can Learn From Celebrities</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting budgeting finances financial grownup financial success frugal living investing life lessons money lessons saving money Thu, 08 Jun 2017 08:30:18 +0000 Chrissa Hardy 1962380 at http://www.wisebread.com How to Avoid These 12 Summer Travel Mistakes http://www.wisebread.com/how-to-avoid-these-12-summer-travel-mistakes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-avoid-these-12-summer-travel-mistakes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-623691410.jpg" alt="summer travelers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Planning to get away this summer? Conserve your cash on general expenses so you can spend more on the things you'd like to do. Some pricey travel hiccups are unavoidable, but most of them you can definitely sidestep with a little bit of planning. Here are 12 tips on how to avoid costly travel mistakes.</p> <h2>1. Booking your entire hotel stay with one reservation</h2> <p>Like the stock market, nightly hotel rates fluctuate based on demand, time of year, and other factors, which means that you may not be getting the very best deal if you book the entire length of your stay in one reservation.</p> <p>In fact, you could save up to 40 percent off your entire stay by playing with your booking dates within the reservation system before you commit. For example, a five-night reservation at a popular hotel may book for $190 per night, but if you book the transaction as a one-night <em>and</em> a four-night reservation, the nightly rate drops to $127 the first night and $126 per night for the additional four nights. A great site to help you master this technique is <a href="https://findoptimal.com/en/" target="_blank">FindOptimal.com</a>, which will use its patent-pending technology to optimize your saving potential by providing cost-cutting solutions over two reservations instead of a single booking.</p> <h2>2. Overbooking your activity itinerary</h2> <p>I'm a planner through and through. My vacation days are jam-packed the moment I arrive at my destination, sometimes to the dismay of my travel partners who prefer a more leisurely approach to new-area exploration. While staying busy and active on vacation is my idea of a good time, I can admit that my tight schedule has hit a few snags in the past. Things don't always go according to plan and I've lost money on activity reservations because I was just too tired to do one more thing that day. Avoid this mistake by creating a loose itinerary ahead of time &mdash; do your research but don't lock down everything hour by hour unless it's something that's only offered on specific dates and times, or is in danger of being sold out. Once you have what you'd like to do on paper, fill in when you'd like to do them once you've arrived and are settled.</p> <h2>3. Over-packing things you don't need</h2> <p>Over-packing can present several dilemmas over the course of your trip, starting with the cost of exceeding the 50-pound checked bag limit before boarding your flight. If you're unable to transfer the overage to other bags you may be carrying, you will be required to pay up. Not a great start to your vacation. Then you have to lug that luggage around with you wherever you go, and you'll curse the day you bought that extra pair of shoes when you're hunched over like Quasimodo because you've carried the equivalent of a well-fed preteen on your back for miles.</p> <p>Let's not forget the trip home either. Now you have to buy an additional bag or leave clothing and accessories behind to make room for the items you've acquired during your travels. You can avoid all this hassle by editing your bag before you ever leave your house. Pack it, let it sit for a day so you can think about everything thing that's in it, then revisit it and pare down to only the essentials. (See also: <a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on?ref=seealso" target="_blank">8 Things You Should Always Pack in Your Carry-On</a>)</p> <h2>4. Racking up international transaction fees</h2> <p>While abroad, you could get slammed with international fees for both your credit and debit cards. Call your card providers to understand their international fees, and consider getting a new card if your current ones don't have good rates for overseas purchases. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=seealso" target="_blank">Best Credit Cards with Zero Foreign Transaction Fees</a>)</p> <p>&quot;Be sure to set a travel notice for your credit card so that your provider doesn't lock your account on suspicion of fraud,&quot; adds Benjamin Glaser, features editor for shopping-comparison site DealNews. &quot;For debit cards, find your bank's international ATM partners. You will still get charged a fee every time you withdraw money, but you will avoid an additional fee for going out of network.&quot;</p> <p>It's also a good idea to keep at least $100 cash on you at all times during vacation for emergency situations. You don't want to be S.O.L. if your card is declined or if it gets lost or stolen. (See also: <a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had?ref=seealso" target="_blank">12 Travel Perks You Didn't Know Your Credit Card Had</a>)</p> <h2>5. Traveling solo</h2> <p>I thoroughly enjoy dining alone and going shopping or to see a movie by myself, but when I travel I prefer to have a partner. For starters, how spectacular will my trip be if I don't have anyone with whom to share my experiences? Secondly, traveling with a companion cuts almost all expenses in half, including lodging, grocery bills, ground transport fares, and more. The buddy system is always a more economical option if you practice good personal finance, in my opinion.</p> <h2>6. Waiting to book ground transportation at your destination</h2> <p>A few years ago I traveled to Memphis, Tennessee, for my birthday and decided to book the car at the destination airport. <em>It's Memphis</em>, I thought to myself, how many people are renting cars here? Big mistake. Murphy's Law dictates then when I think something stupid like that, all the cars are sold out when I arrive. As such, I had to pay a premium for the car they were able to find me, which was a major letdown and an expensive annoyance.</p> <p>Booking ahead also applies to chauffeured transportation to avoid higher-than-standard rates on the ground.</p> <p>&quot;In many cases you can order a shared or private transfer at a lower cost than taking a taxi,&quot; says Isar Meitis, president of travel-booking site Last Minute Travel. &quot;Plus, you can have a designated driver waiting with your name, saving you a lot of time, and, in many cases, money. Also, many tourist attractions are cheaper if you book them prior, compared to a 'walk-in.' For a family with kids, these savings add up very quickly. In addition, these tickets can usually be picked up from a will-call kiosk or booth, which also means you don't have to wait in lines.&quot;</p> <h2>7. Dining out for most meals</h2> <p>One of the most budget-draining parts of your vacation is food, especially if you're eating out for most of your meals. You already know this. But you can cut the fat &mdash; literally and figuratively &mdash; by taking advantage of the complimentary breakfast that may be included with your hotel stay, locating free happy hour snacks and deals in the area (many hotels are now offering a free wine reception in the afternoons for guests); and buying groceries locally that you can make in the kitchen at your accommodations. And I always consult Groupon and Restaurant.com for discounts before choosing where I'll eat. (See also: <a href="http://www.wisebread.com/4-secrets-to-eating-great-food-for-cheap-while-traveling?ref=seealso" target="_blank">4 Secrets to Eating Great Food for Cheap While Traveling</a>)</p> <h2>8. Leaving the hotel fridge stocked</h2> <p>Minibars are problematic if you have self-control issues, or children. It's easy to ravage these goodies when you're famished, and eventually you'll give in to your kids begging to get at the gummy bears in the bear-shaped bottle. Your resistance is futile, in fact.</p> <p>&quot;Hotel fridges can come in handy, but they can also be expensive &mdash; especially with hungry little ones looking for a drink or snack,&quot; says Lissa Poirot, editor-in-chief of travel-review site Family Vacation Critic. &quot;Many times, the cost of a single in-room water bottle is the same cost as what you'd spend on a full case of water &mdash; so take advantage of that. Ask your hotel to clear out the in-room fridge &mdash; they can do that &mdash; and then fill it with your own supplies.&quot;</p> <h2>9. Assuming you're locked into your original reservations</h2> <p>Airlines and travel-booking sites have given us cause to pause before canceling our reservations, because they hit us straight in the pocket if we want to make an amendment to our itineraries. But that's not always the case, and it's worth investigating the fine print of your reservations if you've since found a way to save additional cash.</p> <p>&quot;Most hotel bookings today are refundable, up to almost the very last minute,&quot; Meitis says. &quot;Even after a booking was made, if a traveler can find a better deal, they can make the same reservation for less, and then cancel the original reservation. Obviously, the traveler needs to first verify he or she is not within penalty at the time of cancellation.&quot; (See also: <a href="http://www.wisebread.com/9-simple-ways-to-save-on-hotel-stays?ref=seealso" target="_blank">9 Simple Ways to Save on Hotel Stays</a>)</p> <h2>10. Traveling to popular summer destinations during peak season</h2> <p>The term &quot;peak season&quot; is enough to keep me away, and you should avoid the high time at popular destinations, too. Not only will you pay far and above for just about everything you would during the offseason &mdash; from transportation to lodging to gas &mdash; but you'll have a heck of a time getting around and staying sane. If traffic and hourslong waits in line at amusements don't drive you crazy, your restless companions will. Do yourself a favor a book the road less traveled.</p> <h2>11. Failing to budget for extra costs on cruises and at resorts</h2> <p>While you might have snagged a great cruise or resort fare, it's important to keep in mind additional costs when budgeting for your trip. You never want to be caught off-guard when you're just about broke at the end of your journey. Avoid sticker shock by familiarizing yourself with all additional costs on a cruise or at the resort in advance.</p> <p>&quot;Gratuities are one of the top costs that can catch travelers by surprise,&quot; explains Colleen McDaniel, senior executive editor of CruiseCritic.com. &quot;While it can be quite convenient not worrying about tipping while onboard, remember that gratuities are automatically added to your final bill, generally on a per person, per day basis. The total cost can add up to hundreds, maybe more, depending on the number of guests in your party and the number of days you're sailing.&quot;</p> <p>Take that cost into account when budgeting for your trip to be sure that deal really is as great as it seems. Other added costs to consider include beverages, internet, shore excursions, and alternative dining. (See also: <a href="http://www.wisebread.com/9-travel-expenses-you-forgot-to-budget-for?ref=seealso" target="_blank">9 Travel Expenses You Forgot to Budget For</a>)</p> <h2>12. Overreliance on your mapping apps</h2> <p>I traveled to Costa Rica once where my husband and I rented a car to drive from our first stop at a resort below the Arenal Volcano to a beach resort a few hours away in Guanacaste. We decided to follow new friends on their newly planned scenic route, but when it turned out to be much longer than anticipated, we broke off from the group to get back on an easier path. We plugged the destination into Google Maps, which we assumed would choose the most efficient route, but our choice was ill-advised. The service cut us across the country through about 30 miles of very rocky and mountainous rural terrain that, frankly, scared us half to death.</p> <p>Asad Raza, co-founder of the travel blog Off the Beaten Trails, offers a similar warning against relying too heavily on mapping services when you're in foreign territory.</p> <p>&quot;We planned to go to Hoota Cave in Oman and decided to check the route on Google Maps and follow it,&quot; he recalls. &quot;Unfortunately, the route given was only accessible with a four-wheel drive and we just had a saloon car [<em>that's a sedan in the U.S.</em>]. It wasn't until we consulted with a local that we found the right route to follow. We ended up wasting four to five hours.&quot;</p> <p>&quot;We learned that we should not <em>only</em> rely on Google Maps, but also should do plenty of research and always be ready to consult with locals,&quot; Raza adds.</p> <p>Sound advice for staying alive while traveling, for sure.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-avoid-these-12-summer-travel-mistakes&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Avoid%2520These%252012%2520Summer%2520Travel%2520Mistakes.jpg&amp;description=How%20to%20Avoid%20These%2012%20Summer%20Travel%20Mistakes"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Avoid%20These%2012%20Summer%20Travel%20Mistakes.jpg" alt="How to Avoid These 12 Summer Travel Mistakes" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/how-to-avoid-these-12-summer-travel-mistakes">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/7-ways-using-credit-can-help-you-enjoy-a-cheaper-safer-summer-vacation">7 Ways Using Credit Can Help You Enjoy a Cheaper, Safer Summer Vacation</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-affordable-family-getaways-when-you-dont-have-a-vacation-fund">7 Affordable Family Getaways When You Don&#039;t Have a Vacation Fund</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-save-on-your-next-glamping-trip">5 Ways to Save on Your Next Glamping Trip</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-things-you-can-do-now-to-prep-for-your-best-summer-ever">14 Things You Can Do Now to Prep for Your Best Summer Ever</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel costly mistakes frugal travel saving money summer travel summer vacation travel budget travel hacks travel tips Thu, 08 Jun 2017 08:30:18 +0000 Mikey Rox 1961856 at http://www.wisebread.com 5 Ways to Save on Your Next Glamping Trip http://www.wisebread.com/5-ways-to-save-on-your-next-glamping-trip <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-save-on-your-next-glamping-trip" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_enjoying_luxury_camping_holiday_in_yurt.jpg" alt="Couple Enjoying Luxury Camping Holiday In Yurt" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Camping allows you to immerse yourself in nature. But some of us are attached to some of our everyday luxuries. Enter <em>glamping, </em>or glamorous camping.</p> <p>With glamping, you can choose to stay in heated tents, decked-out yurts, secluded tree houses, fully-equipped retro trailers, or deluxe cabins. And you never have to sacrifice your comfort for a weekend in the woods. The problem is, glamping can be as expensive as staying in a boutique hotel. For instance, a luxury cabin near Grand Teton National Park in Wyoming starts at more than $250 a night.</p> <p>But you don&rsquo;t have to break your budget. The premium pricing on glamping accommodations are based on location, views, and party size, sure, but you're also paying for amenities. So if you have the choice between a bare-bones cabin for a reasonable price and one with a higher rate that provides linens, towels, and air conditioning, for example, go for the minimalist option. Bring your own fresh linens and towels, and a fan to keep you cool.</p> <p>Here are some other ways you can save money on your next glamping trip, without feeling like you're sacrificing anything.</p> <h2>1. Hunt for deals</h2> <p>Visit daily deal sites and blogs like <a href="https://glampinghub.com/" target="_blank">Glamping Hub</a> for glamping deals and discount accommodations. If you have a AAA, Sam's Club, or a Costco membership, you may be eligible for additional discounts for lodging and food in the area.</p> <h2>2. Get the timing right</h2> <p>If the destination charges an entrance fee, see if there are any times with reduced or waived fees. For example, the National Park Service offers a few <a href="https://www.nps.gov/planyourvisit/fee-free-parks.htm" target="_blank">days with free admission</a> every year. If you frequently take glamping trips, you might consider the <a href="https://store.usgs.gov/pass/annual.html" target="_blank">Park Service&rsquo;s annual pass</a>, which offers unlimited access to all your favorite camping spots, any time of year.</p> <p>During peak times like Memorial Day, 4th of July, and Labor Day, however, everything from the cost of the campsite to the cost of fuel will go up. Check the prices of your chosen campsite to figure out when it's cheapest to go.</p> <h2>3. Skip the package deals</h2> <p>All-inclusive glamping packages can be convenient, but they are usually very expensive. Some packages include on-site dining rooms with exquisite meals, yoga studios, saunas, and planned activities for guests. Instead, save money by planning the trip and making food and additional activity arrangements yourself.</p> <h2>4. Compare prices with public campsites</h2> <p>You can find private campgrounds and campsites available for glampers who want luxurious accommodations through <a href="http://koa.com/" target="_blank">Kampgrounds of America (KOA)</a>. You search by destination first, and select how you'd like to glamp: cabin, RV site, tents, or &quot;unique lodging&quot; which includes airstreams, yurts, or restored train cabooses. Many RV parks also offer &quot;glampsites&quot; with shared facilities and various amenities. You might be able to save a few dollars by booking a public glampsite at a national park, but some of these facilities are privately owned, so you'll need to see where you can get the most for your money.</p> <p>Some locations rent out cabins, motor homes, and other affordable accommodations at around $100 or less per night. They are also equipped with bathrooms and a kitchen, so you can have the accommodations you want without breaking the budget. (See also: <a href="http://www.wisebread.com/camping-for-a-week-is-only-160-at-these-national-parks?ref=seealso" target="_blank">Camping for a Week Is Only $160 at These National Parks</a>)</p> <h2>5. Bring items you already own</h2> <p>Bring comfortable pillows, blankets, lanterns, tiki torches, a cooler, a portable grill, and any other creature comforts from home to deck out your space, rather than paying extra for a cabin or heated tent with these same perks. You'll also want to buy firewood and bring it with you as it will be more affordable than paying for it at the campsite. (See also: <a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads?ref=seealso" target="_blank">The 5 Best Camping Sleeping Pads</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-ways-to-save-on-your-next-glamping-trip&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520to%2520Save%2520on%2520Your%2520Next%2520Glamping%2520Trip.jpg&amp;description=5%20Ways%20to%20Save%20on%20Your%20Next%20Glamping%20Trip"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Ways%20to%20Save%20on%20Your%20Next%20Glamping%20Trip.jpg" alt="5 Ways to Save on Your Next Glamping Trip" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/5-ways-to-save-on-your-next-glamping-trip">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</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-using-credit-can-help-you-enjoy-a-cheaper-safer-summer-vacation">7 Ways Using Credit Can Help You Enjoy a Cheaper, Safer Summer Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel camping trip frugal camping glamorous camping glamping luxury camping saving money summer travel Wed, 31 May 2017 08:30:09 +0000 Andrea Cannon 1957428 at http://www.wisebread.com 11 Things That Should Never Cost More Than $99 http://www.wisebread.com/11-things-that-should-never-cost-more-than-99 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-things-that-should-never-cost-more-than-99" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_trying_on_shoes.jpg" alt="Girl trying on shoes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life is expensive, y'all. Food, rent, home energy, gas &mdash; the basic necessities for modern living &mdash; cost a fortune these days. This is precisely why we need to avoid overpaying elsewhere in our budget. Save yourself some dough by rethinking some of these could-be pricey purchases that should never come in at more than $99.</p> <h2>1. Men's haircut</h2> <p>I don't have the beautiful ginger locks I once had &mdash; it's gettin' pretty sparse up there, friends &mdash; but even when I did have a generous coif to maintain, I never spent more than $20 on a haircut. I spend even less now &mdash; from $8 to $15 at Great Clips (they often have $9.99 specials in my area, and I receive $2 off regularly priced haircuts when I show my local gym membership). Unless you're getting a serious 'do done, you shouldn't pay more than $35. That's the highest I've ever forked over &mdash; in Manhattan &mdash; which included shampoo, cut, rinse, and hot towel service. Even then, I could have done without three of those things.</p> <h2>2. Jeans</h2> <p>If you read my posts frequently, you know I like to shop. Clothing is one of my few budget vices, and I'm generally not apologetic about the amount of money I spend to look good. I do draw the line at expensive jeans, however.</p> <p>In the past, I've spent more than $100 on a single pair of jeans &mdash; with purposefully designed holes in them, no less. But you know what happens to them? Eventually I get tired of them or they fade or I lose/gain too much weight to wear them, and they get sent to charity. And when I started putting that sitch in perspective, I decided I'd much rather send $20 jeans to charity than $150 jeans. Now I almost strictly buy denim at the J.Crew Factory Store (they retail for around $65) that I can score between 40 percent and 60 percent off, and many times I have an additional discount on top of that. I've also started selling my unwanted jeans on Swap.com to recoup some of that cost. I recommend the latter strategy if you have stylish, in-good-shape denim lying around. You may be surprised at how much you'll get for your old clothes. (See also: <a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes?ref=seealso" target="_blank">How I Make $800 on Month on eBay Selling Used Clothes</a>)</p> <h2>3. Halloween costume</h2> <p>Some of my friends are super into Halloween, spending hundreds of dollars on their elaborate costumes each year. I don't get it. A couple Benjis on a goofy get-up that you'll wear one time for, like, four hours? Get outta here. Raid your closet and the local thrift and craft stores to DIY your costume if you enjoy the holiday, but there's no reason to spend more than $99 to be an internet meme or a superhero.</p> <h2>4. A dress you'll only wear once</h2> <p>If you plan to be buried in that dress, spring for it. But if you know you'll only wear it once, what's the point of dipping into your savings to buy it? Instead, ask your friends if they have a dress you can borrow for whatever the occasion may be. It'll be new to you, and no one else has to know you borrowed it. Otherwise, try secondhand stores, online consignment shops, and re-accessorizing what you already have to find a dress you won't feel guilty about wearing when you're already short on rent. Or, if you are looking to splurge on a dress, make sure it's versatile enough to wear multiple times. You can never go wrong with an LBD, after all.</p> <h2>5. Multiple trips to Starbucks in one month</h2> <p>Listen, if you have a $99-plus monthly coffee habit, you have a <em>problem</em>. Coffee is so much cheaper when you make it at home. Brew a pot before work and take it to go. Then take that extra cash you save by making coffee at home and put it toward a vacation fund or retirement. (See also: <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-drinking-expensive-coffee?ref=seealso" target="_blank">Here's How Rich You'd Be if You Stopped Drinking Expensive Coffee</a>)</p> <h2>6. Gym membership</h2> <p>Even when I lived in Manhattan, I didn't pay more than $99 a month for a gym membership, and mine gave me access to all the locations on the island, including the steam rooms, saunas, showers, and towel service. It wasn't a luxury gym, <em>per se</em>, but it did have some luxuries. Plus, there are so many ways to get fit for free that a triple-digit monthly charge hardly seems worth it.</p> <p>If I ever pay more than $99, I want somebody to work out for me while I watch. Weight loss through osmosis. I like that idea.</p> <h2>7. Textbook</h2> <p>College courses like to stick it to you by constantly updating the editions of the required textbooks so you have to buy the latest, most expensive version. Sometimes you can't avoid it, but most of the time you can find used versions of the books you need in the campus bookstore or online. Bonus if they have notes from the previous owner in them. Added value!</p> <h2>8. Massage</h2> <p>There are very few professions out there that command nearly $100 per hour for services. Massage therapy is one of them, but usually you're not getting what you deserve for the money, i.e. the therapist has hands like a Tonka truck. Skip the high-end spas and try out your more affordable, local options instead. You can also score really great spa deals on daily deal sites that often cut the prices in half.</p> <h2>9. Sneakers</h2> <p>In New York City, I regularly see people standing in line for expensive limited-edition kicks, and I'm sure you've heard the story about NBA newbie Lonzo Ball, who recently <a href="http://www.latimes.com/sports/sportsnow/la-sp-lonzo-ball-shoes-20170511-story.html" target="_blank">released his own $495 shoes</a>. I get it. Guys love their sneaks and they'll pay out the wazoo for them. But until they make shoes that render me able to fly, I'm perfectly happy staying in the $75 to $95 range for shoes that I plan to get dirty and sweat all over.</p> <h2>10. Warehouse club memberships</h2> <p>We've written about the <a href="http://www.wisebread.com/are-you-wasting-or-saving-money-with-a-warehouse-club-membership" target="_blank">pros and cons of warehouse memberships</a>, and they make sense if you're feeding a large family, but if you're only feeding one or two mouths, you're probably paying more for the membership than you'll save over its annual lifetime. Combine that with the amount of food you'll waste when you buy in bulk without the need to buy in bulk, and you're really doing your wallet a disservice. Clip your coupons and shop small at your local supermarket where there's no fee to enter.</p> <h2>11. Fresh flowers</h2> <p>If you think about it, flowers are the only living, non-consumable item that we buy at extraordinary prices just to watch die and throw in the trash five days later. Would you buy a fish for $100 if the pet store told you you're gonna have to lay it to rest by the end of the week? Absolutely not. Set a reasonable maximum amount for your fresh bouquets, never exceeding $99. Or skip the buds altogether and spring for alternative gifts that bring joy, like ice cream. Wouldn't you be happier with a pint of Ben &amp; Jerry's than a bouquet of wilted roses? So would everyone else.</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/11-things-that-should-never-cost-more-than-99">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-items-you-should-never-buy-online">8 Items You Should Never Buy Online</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</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-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-budget-overhaul-tricks-for-the-recently-unemployed">5 Budget Overhaul Tricks for the Recently Unemployed</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping $99 budget tips expensive buys frugal tips shopping tips Spending Money Thu, 25 May 2017 08:30:13 +0000 Mikey Rox 1953937 at http://www.wisebread.com 8 Reasons You're Still Stuck in a Financial Hole http://www.wisebread.com/8-reasons-youre-still-stuck-in-a-financial-hole <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-reasons-youre-still-stuck-in-a-financial-hole" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/frustrated_intern_working_on_line_at_office.jpg" alt="Frustrated intern working on line at office" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Being broke sucks. There are a million reasons why you might end up in a financial hole, and it always feels awful. The good news is you can often pull yourself out of these bad situations, especially if you make wise decisions with your money.</p> <p>On the other hand, there are also some really poor money decisions that can set you back even further. Avoid these bad calls when you're broke, and you'll stop digging yourself even deeper into debt.</p> <h2>1. Thinking nothing has to change</h2> <p>The minute you realize you're broke, your mindset has to change. How did you get here? What led to being broke? Think long and hard about these things, and understand that something has to give. Telling yourself you can continue your everyday spending habits as if nothing is wrong is only going to dig yourself deeper into a financial hole. And ignoring the problem altogether certainly won't help, either; it'll just make things much, much worse. As unpleasant as it might be to face reality and change the way you spend, it will be much more unpleasant to stay broke. (See also: <a href="http://www.wisebread.com/7-biggest-ways-procrastination-hurts-your-finances?ref=seealso" target="_blank">7 Biggest Ways Procrastination Hurts Your Finances</a>)</p> <h2>2. Emptying the emergency fund</h2> <p>Realizing you're broke can lead to feelings of panic &mdash; being broke is an emergency, right?! Hold on. The last thing you should be doing is raiding your emergency fund to pay everyday expenses, or to continue funding the frivolous spending that landed you here. The truth is, when you're broke, you need a sound emergency fund more than ever. What happens if you lose your job, or your hot water heater dies? Without that money put away, you'll have nothing to help you get by. So, leave your emergency fund right where it is and make other changes in your budget.</p> <h2>4. Taking out a loan</h2> <p>You don't need the financial burden of new debt when you're already broke. Assuming you get approved for a loan, there's no guarantee that you'll even be able to pay it back. That puts your credit score at risk of a critical hit, and can ruin your chances of getting approved for financing in the future.</p> <p>In the same vein, never fall for a payday loan, either. Predatory lenders often target people in times of financial trouble, and are experts at marketing an attractive offer that sounds like the answer to your money troubles. In reality, the obscene interest charges and terms and conditions will leave you way worse off. (See also: <a href="http://www.wisebread.com/how-to-protect-yourself-from-predatory-lending?ref=seealso" target="_blank">How to Protect Yourself From Predatory Lending</a>)</p> <h2>5. Getting buried in overdraft fees</h2> <p>When there's less money in your checking account than you're used to, take extra caution to avoid overdrawing. Overdraft fees can quickly multiply, shooting up to hundreds of dollars and putting you in an even worse financial situation. Your bank may be willing to waive some of the fees if you ask, but it's not a guarantee and certainly not a regular courtesy. If you're not sure how much money you have in your account, check it daily. With technology, there is no excuse. You can either log on to your bank's website every morning, or download your bank's app. (See also: <a href="http://www.wisebread.com/9-ways-to-avoid-overdraft-charges?ref=seealso" target="_blank">9 Ways to Avoid Overdraft Charges</a>)</p> <h2>6. Lying about your financial state</h2> <p>Don't lie to yourself and don't lie to other people. It's hard to admit when you're in a bad money spot. But the truth is that you <em>are</em> broke, and lying will only cause more problems. Take a deep breath and be honest. Politely turn down your friends' invites to go shopping or out to dinner, and explain that you simply don't have the cash right now. They won't hold it against you. You will respect yourself more for being straightforward, and you might even pave the way for someone else to feel comfortable admitting their hardships, too.</p> <h2>7. Gambling</h2> <p>It's easy to think that one big win could solve all of your financial difficulties. But the fact of the matter is that hitting the jackpot in a casino or by playing the lotto is unlikely &mdash; very unlikely. More often than not, people lose tons of money gambling, sometimes in the blink of an eye. This certainly won't make your money troubles any easier. Think of it this way: gambling is for people who can afford to lose money. You can't, so stay away.</p> <h2>8. Refusing to give up luxuries</h2> <p>Maybe you have a maid service clean your house once per week, or you like to have your car professionally detailed. Maybe you love grabbing takeout for lunch, or eating at that great Italian place for dinner every Friday night. Maybe you love your premium cable package, and all your fun monthly subscription boxes.</p> <p>Guess what? All of these luxuries cost money you don't have, and you can go without. Clean your home and car yourself. Clip coupons and use cash back apps at the grocery store, and meal prep all your food at home. Get rid of monthly subscriptions and memberships you aren't using, and think long and hard about cable &mdash; do you really need it?</p> <p>None of these have to be permanent changes. By giving yourself a financial buffer for even a few months, you'll get back on your feet much faster.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/8-reasons-youre-still-stuck-in-a-financial-hole">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/is-an-all-cash-diet-right-for-you">Is an All-Cash Diet Right for You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money">4 Parenting Mistakes to Avoid When Teaching Kids About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</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-budget-overhaul-tricks-for-the-recently-unemployed">5 Budget Overhaul Tricks for the Recently Unemployed</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting being broke daily expenses habits loans overdraft fees procrastination saving money Spending Money Thu, 25 May 2017 08:00:09 +0000 Sarah Winfrey 1953936 at http://www.wisebread.com 4 Parenting Mistakes to Avoid When Teaching Kids About Money http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_girl_looking_at_piggybank.jpg" alt="Little girl looking at piggy bank" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No matter how well you manage your money, you want your kids to grow up making all the right financial decisions. But if they see you overspending, they might adopt your poor money habits without you realizing it.</p> <p>Some parenting fails teach children about money &mdash; in a bad way. Rather than your kids learning from your mistakes, they might be destined to make the same ones you're making right now. Here are some parenting fails to avoid when teaching your kids about money.</p> <h2>Making impulse buys</h2> <p>Every parent has probably had their child ask for a candy bar or other treat while waiting in the checkout line. Telling them no can be difficult, but it beats raising a child who thinks they're entitled to everything they see.</p> <p>Occasional impulse purchases are fine. Getting an ice cream cone after a tough week at school, or going to see a movie after getting a high test grade can be worthwhile motivators for kids to do better in school. But if you spend too much on an impulse buy &mdash; such as the latest tech gadget &mdash; it can show a lack of restraint in how you shop.</p> <p>Even small impulse buys, if made often, can show your child that it's OK to buy something without giving it much thought. Small purchases add up, and a better lesson would be to put that money aside in a vacation fund for the whole family to enjoy.</p> <h2>Not letting them work for their money</h2> <p>Giving a kid an allowance is a great idea, as long as they work for it. Handing over cash each week without them doing anything to earn it can make you seem like a free ATM. Money doesn't just appear in your pocket magically. You work for it, and so should they.</p> <p>Be it earning money with chores or a part-time job, kids can learn the value of a dollar and find out firsthand how many hours of work it takes to afford that pricey pair of sneakers they want.</p> <h2>Not giving them their own bank account</h2> <p>If your kids don't have a savings account or college savings account by age five, you're doing them a disservice. Heck, if you don't have a savings account or retirement account, you're doing <em>yourself </em>a disservice, while also teaching them the poor habit of not saving for the future.</p> <p>As children become teenagers, parents can teach them about managing money by helping them get an ATM or debit card, a checking account, and <a href="http://www.wisebread.com/4-reasons-to-add-your-teen-as-an-authorized-user-on-your-credit-card" target="_blank">possibly a credit card</a> with a low limit.</p> <p>Birthday money and a percentage of their allowance can be put into their savings accounts. Regular trips to the bank to make those deposits also show them how banks work and why they should save. (See also: <a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget?ref=seealso" target="_blank">How to Help Your Kid Build Their First Budget</a>)</p> <h2>Having terrible money habits yourself</h2> <p>You don't have to detail every expense in your budget with your children, but they should have a general sense of what you're budgeting for and why. Sharing this info will teach them how to set their own money goals, and how to manage monthly bills before they're responsible for paying them.</p> <p>If you pay your bills late and constantly complain about how you can't afford the gas bill each month, you're setting a poor example of how to budget for basic expenses. Your kids are watching you, so you should be leading by example.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-self-care-actually-harms-your-budget">When Self-Care Actually Harms 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/5-when-youre-rich-dream-buys-that-arent-that-great">5 &quot;When You&#039;re Rich&quot; Dream Buys That Aren&#039;t That Great</a></span> </div> </li> <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-money-rules-thatll-save-you-big-in-babys-first-year">5 Money Rules That&#039;ll Save You Big in Baby&#039;s First Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family budgeting budgeting tips parenting parenting fails parenting tips saving money Spending Money Wed, 24 May 2017 09:00:10 +0000 Aaron Crowe 1953075 at http://www.wisebread.com 5 Budget Overhaul Tricks for the Recently Unemployed http://www.wisebread.com/5-budget-overhaul-tricks-for-the-recently-unemployed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-budget-overhaul-tricks-for-the-recently-unemployed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-626693162.jpg" alt="Man learning budget overhaul tricks for the recently unemployed" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Losing your job is an overwhelming experience. Not only do you have to deal with the emotional and psychological fallout of being let go, but you also have to quickly figure out how to survive financially until you land a new job.</p> <p>Fortunately, there are some budgeting tricks that even the most budget-averse can use to stretch their dollars after a job loss. Here are five tips that can help you make the most of your finances while you are unemployed. (See also: <a href="http://www.wisebread.com/how-to-manage-debt-while-unemployed?ref=seealso" target="_blank">How to Manage Debt While Unemployed</a>)</p> <h2>Cut spending from easiest to hardest</h2> <p>The trick to an effective budget overhaul is to start your cuts with the expenses you care the least about. Freeing up money that is going to budget items you don't care about is much easier than having to restructure your life by moving to a cheaper place or selling your car. So it is always smart to start with the easy cuts, and move up the chain to the ones that are harder to cut.</p> <h3>1. Cancel unused subscriptions</h3> <p>Subscription-based companies are a huge part of our economy right now, and many companies make their money through subscription services their customers no longer use. You are probably aware of your subscriptions to services such as Audible or Stitch Fix if you use them often, but if you're like many consumers, you're still paying for older subscriptions you've forgotten you signed up for.</p> <p>Taking a couple of hours to comb through your statements to find unused subscription charges and cancel them can free up a surprising amount of money without you having to give up anything you need or use. Even if you are unwilling to do the work of canceling these subscriptions yourself, apps like Trim and Truebill will do the work for you for free.</p> <h3>2. Reduce necessary expenses</h3> <p>Once you've taken care of the expenses that you didn't know you had, you can start working on reducing your necessary expenses &mdash; without eliminating them entirely. In particular:</p> <ul> <li>Cut your cellphone bill by reducing your data plan. Not only will you probably be using less data while you are job hunting from home, but you may already be paying for more data than you need. Android and iPhone users can download the free My Data Manager app to track their data usage.<br /> &nbsp;</li> <li>Call your internet or cable company to downgrade your package. Canceling cable is the standard advice for saving money, and for a good reason &mdash; it's an easy place to trim budget fat. However, even if you don't have cable, you can often negotiate a lower price with your internet service provider simply by asking. When you call, know the lowest going rate your provider is offering to new subscribers, as well as the rates of the competition. Mention that you are a loyal customer for however many years, and ask for some price consideration. (See also: <a href="http://www.wisebread.com/3-tv-must-haves-once-you-cut-the-cable-cord?ref=seealso" target="_blank">3 TV Must-Haves Once You Cut the Cable Cord</a>)<br /> &nbsp;</li> <li>Reduce your energy bills by <a href="http://www.wisebread.com/shrink-your-utility-bill-by-plugging-these-surprising-home-energy-leaks" target="_blank">plugging energy leaks</a>, lowering (or raising) your thermostat, and using your appliances more efficiently.<br /> &nbsp;</li> <li>Lower your food bill by reducing or eliminating dining out, and by following the rules of frugal grocery shopping: eat beforehand, make a list and stick to it, and shop your pantry before you go to the store.</li> </ul> <h3>3. Call your creditors</h3> <p>If you have a student loan, it's a good idea to call your lender let them know of your job loss. <a href="http://www.wisebread.com/what-is-student-loan-forbearance-anyway" target="_blank">Federal student loans offer options</a> for hitting the pause button on your payments if you are struggling financially. While there are no such options for private loans, calling your lender and explaining the situation can still potentially get you a reduction in your monthly payment. Creditors would prefer to have you be proactive about a financial hiccup than have to get in touch with you after you miss a payment.</p> <p>You can make a similar call to your credit card issuer if you are unable to afford the minimum payment. Many banks will work with you if you explain the situation and propose some sort of repayment plan. They may even waive fees and reduce your interest rate. You may also want to request that they report your payments as on time to the credit bureaus. They can always say no, but it's worth asking.</p> <p>Just be aware that many of these actions will mean you are spending more for your loan overall, because they will increase your repayment timeline. If this will give you the breathing room you need until you find another job, it will certainly be worth it, but be mindful of the long-term consequences. (See also: <a href="http://www.wisebread.com/5-tricks-to-consolidating-your-debt-and-saving-money?ref=seealso" target="_blank">5 Tricks to Consolidating Your Debt and Saving Money</a>)</p> <h3>4. Negotiate your rent payment</h3> <p>Even though your rent payment may seem like it's a take-it-or-it leave amount, there is often some wiggle room, especially if you are a reliable tenant and have plans to stay where you are for a while. The best way to accomplish this is by asking your landlord for a longer-term lease in exchange for a discount on your rent. That can be a win-win for both of you.</p> <h3>5. Slash your car payment</h3> <p>Having a car payment is a tough Catch-22 when you are unemployed. Unless you live in a place like New York City, you generally need the car to be able to effectively search for a job and show up to interviews. But without a job, the payments can be overwhelming.</p> <p>If you have good credit, your lender may be willing to let you adjust your loan by extending the term to lower the monthly payment. This helps you keep your car and lower your monthly expenses, although it will increase the amount you pay overall for the life of the loan.</p> <p>If eliminating the expense of the car payment will make a big difference to your unemployment budget, then it might be a good idea to sell the car. This option is best if it will enable you to secure other transportation. In some cases, car owners with enough equity in their cars can sell it off and buy an inexpensive used car for cash.</p> <h2>Know what luxuries you need to keep going</h2> <p>After a major financial setback, many people are tempted to cut every expense to the bone in an attempt to stretch their money as far as it'll go. While you certainly do need to cut back and be mindful of how you spend your money, an austerity budget can be a mistake because it can be next-to-impossible to adhere to. The minute you cheat a little bit on your budget, it triggers the <a href="https://www.psychologytoday.com/blog/changepower/201111/beware-the-what-the-hell-effect-especially-holidays" target="_blank">&quot;what-the-hell&quot; effect</a>, wherein you think that you've already screwed up your budget a little, so why not screw it up a lot?</p> <p>In addition, being unemployed and looking for a job is emotionally taxing. If you cut out every little luxury, then you'll have less emotional bandwidth to keep up the difficult slog of applying for jobs.</p> <p>So it's a good idea to maintain a small line item in your budget for a luxury that will help sustain you through the unemployment. For example, you might maintain your gym membership, so you can keep working out and enjoying the mood-enhancing effects of endorphins. Or you could keep the occasional happy hour with friends, so you can stay connected with your favorite people or former colleagues (who may even provide knowledge that could help you find your next job).</p> <p>The important thing to remember about these types of luxuries is that they do need to be small line items. There is a difference between sustaining yourself and indulging yourself, and you need to keep that difference in mind until you find a new job.</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-budget-overhaul-tricks-for-the-recently-unemployed">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money">4 Parenting Mistakes to Avoid When Teaching Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-things-that-should-never-cost-more-than-99">11 Things That Should Never Cost More Than $99</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/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Job Hunting budget budget tips budget tricks out of work saving money Spending Money unemployment Wed, 03 May 2017 07:49:36 +0000 Emily Guy Birken 1938922 at http://www.wisebread.com 39 Mindless Ways You're Wasting Money in Every Part of Your Life http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_empty_wallet_653879988.jpg" alt="Woman learning mindless ways she&#039;s wasting money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Even though you try to be careful with your money, you are probably wasting a lot of cash without even noticing. If you find yourself wondering where your money goes, see if any of these mindless money wasters are escaping your attention.</p> <h2>1. Superfluous presents</h2> <p>The easiest way to make sure you have a special occasion covered is to buy presents, cards, flowers, cakes, etc. Some special occasions merit this kind of spending, but it's easy to get in the habit of routinely buying small gifts that will quickly be forgotten and eventually get tossed. A quick note is a meaningful way to show you care &mdash; and it's free.</p> <h2>2. High-tech gadgets</h2> <p>Many people automatically get a new cellphone when their contract is up, or buy every new game console that comes out. But do you really need an upgrade? Instead, keep your working tech toy around until it starts to get glitchy.</p> <h2>3. In-app purchases</h2> <p>Those free games and apps are usually trying to sell you something. They make it easy to click and buy a way to beat a hard level of a game or add a new feature to your free app without really thinking about it. Resist!</p> <h2>4. Unused subscriptions</h2> <p>When you were hyped up about getting in shape for the new year, you subscribed to a fitness video channel and watched it a few times. But you are still paying $9.99 per month just in case you decide to get in shape later. Cancel that membership and start saving money.</p> <h2>5. Your morning coffee</h2> <p>Lots of people seem to operate on autopilot during their morning routine. They hit the coffee shop or maybe grab fast food for breakfast. They are blowing money every day before they are awake enough to notice!</p> <h2>6. Recreational shopping</h2> <p>Stores are intentionally designed to trigger buying and extract as much money from shoppers as possible. Walking around a store or mall just for something to do is likely to result in unintended spending.</p> <h2>7. Buying books</h2> <p>You may be in the habit of buying the latest book in a series from your favorite author as soon as you see it at the store. But you can get new book releases at the library for free, or get ebooks instead of paper books, sometimes for lower prices &mdash; plus you won't need to store the book after you read it. Another alternative is to find used books for a fraction of the cost of new books.</p> <h2>8. Buying name-brand everything</h2> <p>People like buying name-brand items and seem to do so without even considering generic alternatives. Sometimes buying name brands makes sense if it offers more features or higher quality, but often the generic version costs a lot less and you won't even notice the difference.</p> <h2>9. Convenience items</h2> <p>Individual serving containers and prepared food items are quick and convenient, but cost much more than larger quantities. With a little planning, you can get the same items and avoid paying extra. (See also: <a href="http://www.wisebread.com/heres-how-much-more-youre-paying-for-these-6-convenience-buys?ref=seealso" target="_blank">Here's How Much More You're Paying for These 6 Convenience Buys</a>)</p> <h2>10. Making minimum payments</h2> <p>Credit card bills show the minimum payment you are required to make each month based on your total balance. Many people simply pay just this amount, but it can take over a decade to pay off a credit card making minimum payments. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">Fastest Way to Pay Off 10K Credit Card Debt</a>)</p> <h2>11. Getting high interest credit cards</h2> <p>Credit cards often offer a low introductory interest rate and later bump it up significantly when the promotional period has ended. Check the interest rates on your accounts and do a balance transfer or debt consolidation loan to get rid of high interest balances. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?ref=seealso" target="_blank">When to Do a Balance Transfer to Pay Off Credit Card Debt</a>)</p> <h2>12. Opening high fee investment accounts</h2> <p>The good news is that you are investing money for retirement, but the bad news is that high fees may be erasing a lot of your gains and could delay retirement by years. Take the extra step to check out the expense ratio on your investment options and choose ones with low fees. (See also: <a href="http://www.wisebread.com/why-warren-buffett-says-you-should-invest-in-index-funds?ref=seealso" target="_blank">Why You Should Invest In Index Funds</a>)</p> <h2>13. Accruing late fees</h2> <p>With free autopay, you can <a href="http://www.wisebread.com/the-pros-and-cons-of-autopay" target="_blank">pay your bills</a> even if you don't bother to open them and avoid late fees.</p> <h2>14. Getting the extended warranty</h2> <p>When you buy a new gizmo, you will often be offered <a href="http://www.wisebread.com/how-free-extended-warranties-work-on-credit-cards?ref=internal" target="_blank">extended warranty coverage</a>. At that moment, saying yes to protect your new toy can seem like the easy answer, but purchasing an extended warranty is often a bad deal for many items including appliances, electronics, and vehicles. (See also: <a href="http://www.wisebread.com/5-times-buying-the-extended-warranty-makes-sense?ref=seealso" target="_blank">5 Times Buying the Extended Warranty Makes Sense</a>)</p> <h2>15. Going along with the crowd</h2> <p>It is easy to get pulled into going to an expensive activity such as a concert or sporting event with friends, but make sure the cost is worth it to you before you commit to going. There are plenty of things you can do together that cost little or no money.</p> <h2>16. Keeping cable TV</h2> <p>Once you get signed up for cable TV or satellite TV, the bills just keep on coming every month unless you do something to make it stop. There are several cost-effective alternatives once you <a href="http://www.wisebread.com/how-everyone-can-cut-cable-and-still-watch-what-they-love-even-sportsfans?ref=internal" target="_blank">cut the cable cord</a>. (See also: <a href="http://www.wisebread.com/3-tv-must-haves-once-you-cut-the-cable-cord?ref=seealso" target="_blank">3 TV Must-Haves Once You Cut the Cable Cord</a>)</p> <h2>17. Hobbies</h2> <p>Some hobbies require continuously buying new materials and equipment. Replace expensive, resource-intensive hobbies with activities that are less focused on trips to the store to buy supplies. (See also: <a href="http://www.wisebread.com/25-hobbies-you-can-start-for-under-10?ref=seealso" target="_blank">25 Hobbies You Can Start for Under $10</a>)</p> <h2>18. Collections</h2> <p>It can be easy to start a collection, but you end up buying things solely to own them and you need space to keep your collection.</p> <h2>19. Extra driving</h2> <p>One great thing about modern life is that you can travel effortlessly from one place to another by driving a car, rather than in a horse and buggy, but driving around is expensive. Save money at the gas pump by cutting down on unnecessary and inefficient trips.</p> <h2>20. Not changing your thermostat setting</h2> <p>If you use a &quot;set it and forget it&quot; approach to temperature control in your house, you are sending extra money to the utility company each month. Instead of leaving the A/C cranked up all summer long, turn the temperature up at night and when you are not home. Better yet, use a <a href="http://amzn.to/2okYqtt" target="_blank">programmable thermostat</a> to automatically adjust the temperature for your schedule.</p> <h2>21. Driving a big car</h2> <p>Sometimes having a big vehicle is handy, but most of the time when I see pickup trucks and SUVs on the road, they have no cargo and only the driver on board. Think about driving a small car instead of a large vehicle to cut your fuel bill and save on the vehicle purchase price as well. You can rent or borrow a large vehicle for occasions when you need extra capacity, or let someone else do the hauling.</p> <h2>22. Carrying extra stuff in your car</h2> <p>If you have extra junk in your trunk, you are paying to haul it around everywhere you go. Get rid of extra stuff you have accumulated in your car to get better gas mileage and improve your vehicle's ride.</p> <h2>23. Keeping your home lit up like Times Square</h2> <p>It is easy to remember to turn on the lights when you walk into a dark room, but it is much harder to remember to turn the lights off when you leave. Forgetting to turn off unused lights and electronics is running up your electric bill.</p> <h2>24. Dining out</h2> <p>It is easy to go through the fast food drive-thru on the way home or take your family out to a casual dining restaurant when you don't feel like cooking, but this costs a lot more than buying groceries and preparing food at home.</p> <h2>25. Up-sizing your orders</h2> <p>When you are offered an upgrade to a large drink and large fries for a dollar, it can seem like a no-brainer to say yes. You always want a good deal, right? But if you don't need a bigger drink and more fries, up-sizing is a waste of money.</p> <h2>26. Buying bottled water</h2> <p>Buying cold bottles of water is convenient, but you can easily bring water from home for almost free. Freeze your refillable bottles of water so they will be cold when you are ready to drink them.</p> <h2>27. Using vending machines</h2> <p>When you are hungry and there is a giant machine filled with snacks nearby, it can be hard to avoid putting money into it. With a little planning, however, you can buy snack items at the grocery store instead and save a lot of money.</p> <h2>28. Entertainment snacking</h2> <p>Many people are in the habit of eating snacks at the movie theater, at ballgames, after work, or when watching TV at home. Are you really that hungry, or are you just in the habit of eating something when some form of entertainment is in front of you? Because you can still enjoy whatever you're watching with or without the snack.</p> <h2>29. Always ordering a drink</h2> <p>When dining out or at meals at home, there is always an opportunity to get a drink. Most people opt for this choice. But are you actually thirsty? And if you are, what's wrong with drinking free water instead of soda?</p> <h2>30. Blindly following expiration dates</h2> <p>Most expiration dates on food are a suggestion rather than a hard rule. Use common sense rather than throwing out food based only on the &quot;use by&quot; or &quot;best before&quot; dates printed on food packaging. (See also: <a href="http://www.wisebread.com/can-i-eat-this-a-quick-guide-to-expiration-dates-and-food-safety?ref=seealso" target="_blank">A Quick Guide to Expiration Dates and Food Safety</a>)</p> <h2>31. Creating premature container waste</h2> <p>Is that empty food container really empty? Use a rubber spatula to get all of the peanut butter out of the jar before recycling it. You can probably get enough for one more PB&amp;J sandwich.</p> <h2>32. Eating too much in one sitting</h2> <p>It's hard to leave only two cookies in the package or to leave a small amount of leftovers in a tupperware container for the next day. Most people will finish off a container of food, even if it is more than they want or need. But that small amount of food may be just right for a snack or to round out the next meal. Save it for later, and save money in the process.</p> <h2>33. Buying new furniture</h2> <p>Instead of automatically going to look at new furniture, check out much cheaper used furniture first at consignment shops and on Craigslist.</p> <h2>34. Buying disposable products</h2> <p>Would you buy something and then immediately throw it away after one use? That's exactly what you are doing when you buy disposable products. I try to minimize wasting money on disposable products by using cloth napkins and reusable rags instead of paper products, for example.</p> <h2>35. Using a storage unit</h2> <p>You have too much stuff to fit in your house, basement, attic, and garage &hellip; but not to worry &mdash; you can rent a storage unit. You're paying for extra room in order to keep things you aren't using. It can be a lot of work to get rid of extra stuff, but you will save money every month by avoiding that storage unit fee. (See also: <a href="http://www.wisebread.com/7-reasons-why-self-storage-is-a-really-bad-idea?ref=seealso" target="_blank">7 Reasons Why Self-Storage Is a Really Bad Idea</a>)</p> <h2>36. Paying for DIY services</h2> <p>You might find yourself signed up for home services such as lawn care and pest control that you could take care of yourself, or perhaps no longer need.</p> <h2>37. Carwash</h2> <p>When your car is dirty, driving through a car wash may seem like a good solution, but you can wash your car at home for a fraction of the cost.</p> <h2>38. Taking the kids to toy land</h2> <p>Will your kids really play with a new toy for more than a few minutes? Instead of mindlessly buying another toy, spend time playing with them and the toys they already have.</p> <h2>39. Pampering your pets too much</h2> <p>Last time I moved, I was embarrassed to find a box labeled &quot;Dog Clothes.&quot; In addition to clothes, my dogs have lots of toys and accessories, too. I could have saved a lot of money if I had thought about what my dogs would actually use rather than impulsively buying things that looked fun.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">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/flashback-friday-23-mental-tricks-thatll-help-you-save-money">Flashback Friday: 23 Mental Tricks That&#039;ll Help You Save Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole 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/people-are-still-spending-too-much-on-their-weddings">People Are Still Spending Too Much on Their Weddings</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-your-lazy-habits-are-costing-you">9 Ways Your Lazy Habits Are Costing You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping how to save money money habits saving money shopping habits Spending Money wasting money Wed, 19 Apr 2017 09:00:09 +0000 Dr Penny Pincher 1930448 at http://www.wisebread.com 34 Ways to Come Up With the Rent Before the Month Ends http://www.wisebread.com/34-ways-to-come-up-with-the-rent-before-the-month-ends <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/34-ways-to-come-up-with-the-rent-before-the-month-ends" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/calendar_money_rent_185251717.jpg" alt="Finding ways to come up with the rent before the end of the month" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you are short on rent, $300 might as well be $3,000,000. Finding the money seems impossible. But don't despair! Here's a list of ways to come up with the rent this month and every month.</p> <h2>1. Call in your markers</h2> <p>Do people owe you money? Now is the time to call in those loans.</p> <h2>2. Return your recent purchases</h2> <p>Did a recent shopping spree put you in this rental money crisis? You can even <a href="http://www.wisebread.com/how-to-return-items-through-your-credit-card-if-the-store-refuses?ref=internal" target="_blank">return unused items through your credit card</a> if the store refuses.</p> <h2>3. Ask for overtime at work</h2> <p>Let your employer and your coworkers know that you are looking for additional shifts.</p> <h2>4. Take over a contract</h2> <p>Is your employer paying an outside contractor for work you could do on the side? Offer to do the job for a flat fee (to be paid outside your regular paycheck).</p> <h2>5. Be a great reference</h2> <p>My husband's company pays up to $5,000 per referral to employees who successfully recruit top talent.</p> <h2>6. Cash in on commuter benefits</h2> <p>Some employers allow their workers to make pre-tax payroll deductions to help pay for commuting costs. Other employers offer money saving commuter perks like free parking to carpoolers, free use of company bikes, or paying for public transit costs outright.</p> <h2>7. Get a second job</h2> <p>This might seem like a no-brainer, but you would be shocked by how many people don't look beyond their 9-5 job for extra cash. (See also: <a href="http://www.wisebread.com/15-ways-to-make-money-outside-your-day-job?ref=seealso" target="_blank">15 Ways to Make Money Outside Your Day Job</a>)</p> <h2>8. Join the gig economy</h2> <p>Drive for Uber, Lyft, or Caviar. Find a job using TaskRabbit or Upwork. Use Fiverr and Mechanical Turk to find micro gigs that you can complete in minutes. (See also: <a href="http://www.wisebread.com/find-a-side-gig-at-these-4-best-micro-jobs-sites?ref=seealso" target="_blank">Find a Side Gig at These 4 Best Micro-Jobs Sites</a>)</p> <h2>9. Create your own job</h2> <p>Every job that I have ever loved <a href="http://www.wisebread.com/my-2016-budget-challenge-job-creation?ref=internal" target="_blank">I have invented</a>. Find something that needs to get done and do it for money. Babysit for your neighbors. Monetize your DJ abilities. Shovel snow. There are all sorts of long- and short-term jobs that require your skill set.</p> <h2>10. Offer day labor on a farm</h2> <p>Farms are always short on labor. It's a physically demanding way to make a buck, but if you like working outside, day laboring on a farm might be a solution to your financial woes.</p> <p>Also, a side perk of many farm jobs is access to free produce. Reduce your grocery bills and get the rent paid!</p> <h2>11. Tuneup your finances</h2> <p>Are you paying for services that you aren't using? Go through your monthly expenses with a fine-toothed comb. You might be shocked by how much money you are wasting. (See also: <a href="http://www.wisebread.com/how-to-escape-the-paycheck-to-paycheck-cycle?ref=seealso" target="_blank">How to Escape the Paycheck-to-Paycheck Cycle</a>)</p> <h2>12. Delete duplicate accounts</h2> <p>Are you paying for multiple streaming video services? Can you entertain yourself with just one? Or, can you suspend or delete all of your subscription services until you get a grip on your finances?</p> <h2>13. Audit your accounts</h2> <p>Examine your bank statements closely. Are you paying extra fees for services that you don't use? Call your credit card company. Are you getting the best interest rate that you can get?</p> <h2>14. Clear out costly apps</h2> <p>There are many free apps and programs that provide a premium service for a fee. Are you using each of the pro versions enough to warrant the extra costs?</p> <h2>15. Cash in your credit card reward points</h2> <p>One of my friends tracks all her reward programs on an Excel spreadsheet so she never misses a perk. Are you leaving money on the table? Can you cash out your reward points for gift cards that you can resell or use to offset other line items in your budget?</p> <h2>16. Sell your stuff</h2> <p>The average <a href="http://articles.latimes.com/2014/mar/21/health/la-he-keeping-stuff-20140322" target="_blank">American home contains over 300,000 items</a> and many of those can be sold off for cold hard cash. Bonus: If you have been trying to downsize, now is the time to purge your home of unwanted items. (See also: <a href="http://www.wisebread.com/clear-out-that-clutter-15-places-to-sell-your-stuff?ref=seealso" target="_blank">Clear Out That Clutter: 15 Places to Sell Your Stuff</a>)</p> <h2>17. Sell your gift cards</h2> <p>In some states, you can get cash for gift cards with a low balance. But there are a number of other ways to <a href="http://www.wisebread.com/how-to-turn-unwanted-gift-cards-into-cash?ref=internal" target="_blank">convert gift cards into cash</a>.</p> <h2>18. Sell your collections</h2> <p>Collections can be hugely valuable. But before you hock Grandma's jewels, look around your house for hidden treasures. You would be shocked by the value of your old Starbucks mugs, concert T-shirts, and other random housewares. (See also: <a href="http://www.wisebread.com/10-old-knick-knacks-you-can-flip-for-easy-cash?ref=seealso" target="_blank">10 Old Knick-Knacks You Can Flip for Easy Cash</a>)</p> <h2>19. Sell your nostalgia</h2> <p>My husband just made $960 selling his old Nintendo, Super Nintendo, and Dreamcast games. But even more recent games can have value. Last year, I sold a copy of Kuon, a PlayStation 2 game, for $200.</p> <p>Vintage analog toys such as board games, Breyer horses, Matchbox cars, Lego sets, action figures, and dolls can all fetch a small fortune on eBay. My friend Steve sold his collection of vintage Blythe dolls for $29,000, enough pay for the down payment on his home!</p> <h2>20. Sell bulky items on Craigslist</h2> <p>Sell bulky and hard-to-ship items like furniture, cast iron pans, and glassware on Craigslist so you don't have to fiddle with shipping.</p> <h2>21. Host a garage sale</h2> <p>My husband and I throw three garage sales a year that net us between $500 and $1,000 annually. Our garage sale inventory consists of random crap we couldn't sell elsewhere for more money. We price our garage sale merchandise to move, typically charging $1 to $5 for just about everything. The way we see it, if people are paying us to declutter our home, they deserve the bargain.</p> <h2>22. Set up a lemonade stand</h2> <p>To augment our garage sale profits, we sell lemonade or brownies for $1 per serving. In cold climates, you can sell hot cocoa or coffee to your shoppers.</p> <h2>23. Trash pick and flip</h2> <p>Are you already a minimalist who sold all her stuff ages ago? Don't worry. You can always sell other people's stuff! Since most rental contracts start at the first of the month, the last week of the month (when people are moving out) is always a great time to scrounge for curbed furniture and other items that renters don't want to pay to move. Sell your found treasures at a garage sale, or use Craigslist or an app like 5miles to advertise your merchandise to local customers.</p> <h2>24. Recycle</h2> <p>Why give the $.05 rebate per can that you paid for to someone else? University campuses and concert venues are a prime place to scrounge for bottles and cans.</p> <h2>25. Sell your books and music</h2> <p>While you will make more money selling your media on sites like Amazon and Half.com, you may not make an online sale in time to help your rent payment. For fast cash, sell your books, movies, and music to brick and mortar stores in your area.</p> <h2>26. Have a plant sale</h2> <p>Do you have a green thumb? Root cuttings from your garden or hook up with a local landscaper for their castoffs.</p> <p>Or, sell heirloom vegetable seedlings. A package of 25 tomato seeds costs me about $8, or $0.40 per seed. But I can sell my tomato seedlings for $2 each at my neighborhood farmers market.</p> <h2>27. Sell your body, legally</h2> <p>There are numerous legal ways to sell your body for money. You can sell your sperm or eggs for thousands of dollars, but those donations require that your money be escrowed for at least six months and an equally long time commitment. For quick rent money, you can sell blood, platelets, plasma, breast milk, and, <a href="https://www.boston.com/culture/health/2014/10/15/a-poop-bank-in-massachusetts-will-pay-you-40-every-day" target="_blank">if you live in Massachusetts, your poop</a>.</p> <h2>28. Stop driving</h2> <p>Do you have a less convenient, but also less expensive commuting option? Now is the time to learn to love the bus. Save on gas money and car repair costs by walking, biking, carpooling, or taking public transportation to work.</p> <h2>29. Monetize your commute</h2> <p>My friend Duke operates a mobile record store every Friday on his train commute to work. My neighbor knits hats during her daily bus rides. She makes enough money each month with her commuter knitting to pay for her metro card.</p> <h2>30. Advertise with your car</h2> <p>And if you can&rsquo;t do without your car, make some extra dough by turning it into a rolling billboard. (See also: <a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car?ref=seealso" target="_blank">7 Ways to Earn Extra Money With Your Car</a>)</p> <h2>31. Rent out part of your house</h2> <p>My brother-in-law rents out his spare bedrooms in his suburban mini mansion to foreign students who are attending the local college. In addition to offsetting his mortgage, his daughter gets free Mandarin lessons. (See also: <a href="http://www.wisebread.com/this-is-how-you-rent-your-place-on-airbnb-and-succeed?ref=seealso" target="_blank">This Is How You Rent Your Place on Airbnb</a>)</p> <p>Pro tip: If you can find a housesitting gig at the same time, you can double up your house-renting profit.</p> <h2>32. Become an Airbnb host</h2> <p>Even if you don't have space to rent out, you can still be a host via the <a href="https://www.airbnb.com/host/experiences" target="_blank">Airbnb Experiences</a> program. Airbnb is a great place to advertise your local expertise as a specialty tour guide. For example, a chef could host a two-hour cooking experience or an experienced hiker could host a multiday camping excursion.</p> <h2>33. Leverage your parking space</h2> <p>If you live next to a university, hospital, concert venue, or sports arena, consider renting out your parking space. (See also: <a href="http://www.wisebread.com/the-11-best-websites-for-renting-your-extra-space?ref=seealso" target="_blank">The 11 Best Websites for Renting Your Extra Space</a>)</p> <h2>34. Rock the garage</h2> <p>Rent your garage out to your favorite local band as a practice space. Or, if you value your peace and quiet, rent your garage as studio space for photographers, sculptors, and woodworkers.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/34-ways-to-come-up-with-the-rent-before-the-month-ends">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-and-fun-things-you-could-do-if-you-paid-less-rent">8 Smart and Fun Things You Could Do if You Paid Less Rent</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</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-ways-to-make-money-doing-household-chores">4 Ways to Make Money Doing Household Chores</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-ways-to-save-on-your-next-glamping-trip">5 Ways to Save on Your Next Glamping Trip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Extra Income making a budget making extra money rent rent money saving money saving tips side gig Tue, 18 Apr 2017 09:00:08 +0000 Max Wong 1929795 at http://www.wisebread.com 6 Money Lessons We Can Learn From the Easter Bunny http://www.wisebread.com/6-money-lessons-we-can-learn-from-the-easter-bunny <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-money-lessons-we-can-learn-from-the-easter-bunny" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-160593094.jpg" alt="Learning money lessons from the Easter bunny" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Easter is upon us once again, and with it comes the arrival of the Easter bunny and baskets full of treats. Sure, everything about this holiday is delicious and worth the caloric splurge &mdash; right down to the succulent Easter ham &mdash; but what can we learn from all this spending? Maybe it's time to embrace the bits of financial wisdom we can get from the Easter bunny himself. What can he teach us about this annual day of sweet treats? And how can he help us with our money over time?</p> <h2>1. Hard work is rewarded</h2> <p>Hunting for Easter eggs is something most of us remember fondly from our childhood, and pass on to the kids of today. And there's a simple lesson to be learned here; the more work you put in, the more you get out of it. In this case, get out there early, search every nook and cranny, and fill your basket with as many eggs as it can hold. Then, there's egg decoration. Many schools, and some families, like to make a competition out of the task. While a simple egg dipped in dye is ok, those who really go the extra mile win the day. And that can mean winning a basketful of goodies, or a fun experience.</p> <p>In your career, your financial management, or a creative pursuit, the more effort you put in, the more you'll get out of the entire process. You'll also be much prouder of the reward you receive, knowing you truly earned it. So do the work and get the rewards &mdash; financial or otherwise.</p> <h2>2. Don't compare your assets with your neighbor's</h2> <p>How many times have you seen some kids continually look into the baskets of their friends, saying, &quot;No fair, you have way more than me!&quot; And &quot;How many have you got?&quot; They're so concerned with what others have, they get less eggs than they could if they were focused on their own egg haul. Plus, it's also a quick path to misery. They may have only four or five eggs in the basket, but that's still a bunch of free candy and goodies that they didn't have an hour earlier.</p> <p>It's been said that we measure our happiness by our neighbors, and that can be frighteningly true. For example, you're proud of your new car, especially next to your neighbor's old rust bucket. But when they trade that in for a brand-new car twice the price of yours, with all the bells and whistles, your paradigm shifts. Your great car &hellip; now, is not so great, even though it's the exact same car. This attitude can make you spend money when you don't want to. So, focus on yourself, not what others have.</p> <h2>3. Never put all your eggs in one basket</h2> <p>When kids are running around, grabbing as many eggs as they can to load up their baskets, there's no problem. But in the real world, we want to avoid this practice.</p> <p>Whether it's the stock market, your career, investors, or clients, diversification is the key. When it comes to your career, these days it's essential to have other irons in the fire. Layoffs happen daily in America, and all too often, people are finding it hard to get the same job because it's dying out. You should consider finding other ways to bring in money, in areas that are growing in strength; even if it's just a side business flipping thrift store finds on eBay. (See also: <a href="http://www.wisebread.com/15-ways-to-make-money-outside-your-day-job?ref=seealso" target="_blank">15 Ways to Make Money Outside Your Day Job</a>)</p> <h2>4. Something of value may not be visible &hellip; yet</h2> <p>That Easter egg hidden in the dense grass isn't something that can be found immediately. But for those with a little perseverance, it's waiting to be collected. So much that we do in life applies to that moment. It's the idea sitting in the back of your head that can become a business venture. It's the investment opportunity that seems like nothing special. Or, if we are to be very literal, it's a hidden treasure tucked away in your basement or attic; something worth a small fortune, just waiting to be uncovered one day. Keep your eyes peeled for the prospect of uncovering something of value, and it's much more likely to happen.</p> <h2>5. Don't judge a book by its cover</h2> <p>In the case of Easter, don't judge the contents of an egg by its shell. Many parents and schools will put the most valuable prizes, like cash and gift cards, inside the most unassuming eggs. The big, gold, shiny eggs may well be fool's gold, containing only a few candies.</p> <p>Now, if you have ever shopped at a garage sale or thrift store, and found something valuable, you'll know it was hiding in plain sight. It didn't look like much, but to the right person, it was worth a lot. People can be judged in just the same way. Do you hire someone based on how they look, or what they offer? It is, of course, the latter. A home can look terrible at first glance, but after a little sweat equity, they can double in value. Find your hidden gem.</p> <h2>6. Something can come out of nothing</h2> <p>We all know (well, most of us, anyway) that the Easter bunny doesn't really exist. However, look at the excitement and incredible good will generated by the existence of this fantasy, including the revenue generated every Easter. We spend big bucks on this holiday each year. And yet, there is no bunny. There's no magic. It's all something we have created. So, do likewise with your finances. Can you find a way to create money out of something that doesn't exist right now? Is there a gap in the market? Do you see a need that is not being fulfilled, like all those contestants who appear on <em>Shark Tank</em>? It may not exist right now, but you can make it real, and you can make it a financial success.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/6-money-lessons-we-can-learn-from-the-easter-bunny">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-resist-the-expensive-once-in-a-lifetime-mentality">How to Resist the Expensive &quot;Once in a Lifetime&quot; Mentality</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/heres-what-i-learned-about-money-after-using-acorns">Here&#039;s What I Learned About Money After Using Acorns</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-lessons-on-how-to-be-a-financial-grownup-from-bobbi-rebell">6 Lessons on How to Be a Financial Grownup From Bobbi Rebell</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/zooey-deschanel-never-pays-late-fees-and-5-other-smart-money-lessons-from-celebrities">Zooey Deschanel Never Pays Late Fees and 5 Other Smart Money Lessons From Celebrities</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping Easter easter bunny financial lessons Holidays money lessons saving money wisdom Wed, 12 Apr 2017 08:00:10 +0000 Paul Michael 1925855 at http://www.wisebread.com