Budgeting http://www.wisebread.com/taxonomy/term/4804/all en-US 12 Everyday Money Tasks You've Been Doing Wrong http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-everyday-money-tasks-youve-been-doing-wrong" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_blindfold_cash_89353583.jpg" alt="Man learning money tasks he&#039;s been doing wrong" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You handle a lot of routine money tasks, and like most people, you probably haven't thought much about that routine. But these &quot;routine&quot; tasks are repeated over and over and can result in a lot of wasted money if not done efficiently. Here are some everyday money tasks that might be tripping you up:</p> <h2>1. You Pay Your Bills Before You Pay You</h2> <p>What's wrong with paying your bills first? If you pay your bills first, you only get to keep whatever is left for yourself &mdash; which may be little or nothing. If <a href="http://www.wisebread.com/pay-yourself-first-what-it-means-and-how-to-do-it">you pay yourself first</a>, you can ensure that you save and invest enough meet your goals, and then pay everyone else. What's the difference? First of all, putting money in savings first means it's a priority, and that's a powerful reminder that you are in control of your financial destiny. Second, leaving the money that doesn't go toward bills in easily accessible accounts let's you feel as if you have &quot;extra&quot; funds in your budget to spend on small purchases. When you save it first, you don't see it, so you won't spend it. Out of sight, out of mind works for saving instead of spending, too.</p> <h2>2. You Are a Rebel Without a List</h2> <p>If you go shopping without a list, you are likely to forget to buy things you need, and you're also likely to buy things you <em>don't</em> need based on what is on sale or what looks good at the time. A shopping list is especially helpful for groceries so you can buy all of the ingredients for meals you plan to make during the week. Using a list saves extra trips to the store, or dining out when you find you don't have anything to eat at home.</p> <h2>3. You Check Your Balance to See if You Can &quot;Afford&quot; Something</h2> <p>Checking to see how much money you have in your checking account &mdash; or even worse, your available credit card balance &mdash; to see if you can afford to buy something is a recipe for disaster. You are almost certain to spend more than you can really afford. Using a budget to plan expenses is the right way to see if you can afford something. If you can't afford something right now, you can set up a budget to allow you to save up.</p> <h2>4. You Do the Minimum</h2> <p>Making minimum payments on credit cards and other loans is expensive. You will end up paying a lot of interest that provides no benefit to you. For example, making minimum payments on a $3,000 credit card debt could take you <a href="http://www.wisebread.com/how-much-does-your-credit-card-debt-cost-you">16 years to pay off</a> and cost over $3,600 in interest alone! Paying more than the minimum will allow you to <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal">wipe out credit card debt</a> much faster and save you lots of money on interest that you can use to get ahead.</p> <h2>5. You Self Medicate With Retail Therapy</h2> <p>Some people go shopping as a fun activity or to help deal with depression or stress. &quot;Retail therapy&quot; is a very expensive way to achieve a short-term impact. Plus buying things you don't really need wastes the resources it took to manufacture and distribute the items, and the items take up space in your house. There are lots of constructive activities that are less expensive and avoid the problems that come with recreational shopping.</p> <h2>6. You Are Stuck With Checks</h2> <p>Writing checks is an inefficient way to pay for things. It takes time to write out a check, and you can make mistakes such as making it out to the wrong payee, misdating the check, or writing illegibly and having it rejected. Plus, you have to manually balance your checking account to keep track of checks you have written but have not yet cleared. Instead, use autoplay, electronic payments, and credit cards to make payments whenever possible.</p> <p>When I receive a check as payment, I use an electronic banking app on my phone to take a photograph of the check and deposit it instantly. This eliminates the possibility of losing the check and I avoid making a special trip to the bank.</p> <h2>7. You Don't Use Coupons Right</h2> <p>Some people think coupons are too much work and don't bother to use them at all. I take a low-impact approach to get the most benefit from coupons with the least time and effort. I hang on to coupons that will work on things I buy anyway. Coupons only work if you have them with you when you go shopping, so I put the good coupons in my wallet or in a small organizer that I keep in my car. You can get more impact from coupons by stacking them &mdash; use both a store coupon and a manufacturer's coupon on the same item to save even more.</p> <h2>8. You Are Overpaying</h2> <p>Lots of people overpay for things they buy every day. Buying snacks and drinks at a convenience store or vending machine is likely to be about twice as expensive as buying the same items at a grocery store. Buying coffee at a coffee shop instead of brewing it yourself costs about three times as much. With a little planning and effort, you can have the same items for much less money.</p> <h2>9. You Don't Match</h2> <p>I get this comment about my clothes a lot, but in this case I am talking about 401K matching funds. Many employers offer matching retirement investment funds. This means that for every dollar you put in, your employer will put in a dollar for free. If you are not getting the maximum company match, you are leaving free money on the table every payday.</p> <h2>10. You Aren't Bargaining Hard</h2> <p>There are a lot of situations where a <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master">little bit of bargaining</a> can go a long way. When purchasing vehicles or used items, there is often a lot of room to bring the price down if you are willing to risk having your offer rejected. Sometimes even prices at retail stores be negotiated&mdash; I have talked my way into using expired coupons or getting an additional discount if there is something that looks wrong with an item I am interested in. I have also taken items back to get a price adjustment after an item has gone on sale.</p> <h2>11. You Buy Stuff You Want</h2> <p>I guess buying stuff you want is better than buying stuff you don't want, but you should really focus on buying stuff you need. There are lots of things I have wanted to buy but avoided. For example, in recent years I really wanted to buy a recumbent bike, a new computer, and a stool for my wood shop. I decided to ride my old bike, keep using my old computer, and I found a free stool for my shop. These were all things I wanted but didn't need, and I saved a lot of money by not buying stuff I wanted.</p> <h2>12. You Are Buying Your Broker a Big Yacht</h2> <p>You may not realize that you are paying your stockbroker or investment company every day to manage your retirement funds and other investments. Over the years, the difference between a 1% annual fee for an actively managed fund vs. a 0.1% annual fee for an index fund adds up to a lot of money. Check the fees you are paying on your investment accounts and move to less expensive options that have significantly lower fees.</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/12-everyday-money-tasks-youve-been-doing-wrong">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/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-convince-a-store-clerk-to-give-you-a-deal">6 Ways to Convince a Store Clerk to Give You a Deal</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/double-coupons-they-could-cost-you">Double Coupons – They Could Cost You!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-coupon-rules-that-stores-let-you-break">4 Coupon Rules That Stores Let You Break</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-things-you-can-do-right-now-for-a-frugal-holiday-season">9 Things You Can Do Right Now for a Frugal Holiday Season</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting Shopping checks coupons fees minimum payments negotiating organization overspending paying bills saving money shopping list Fri, 23 Sep 2016 09:00:05 +0000 Dr Penny Pincher 1796738 at http://www.wisebread.com 8 Clever Ways to Sample the Good Life http://www.wisebread.com/8-clever-ways-to-sample-the-good-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-clever-ways-to-sample-the-good-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_beautiful_wealthy_80921263.jpg" alt="Woman learning ways to sample the good life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want to live like a prince on a pauper's budget? Enjoy some of the finer things in life without spending a fortune with these hoity-toity hacks.</p> <h2>1. Make Friends With People in High Places</h2> <p>Oftentimes, getting ahead in life is all in whom you know. You've heard it before. Perhaps you've even experienced it &mdash; and if you have, good on you, because the outcome of such a situation is, by definition, a positive one.</p> <p>As such, getting to &quot;know&quot; people is a solid practice to pick up. For instance, whenever I've moved to a new area I make it a point to introduce myself to the bartenders in my neighborhood when I visit a bar or restaurant. I go so far, in fact, to write down their names plus a few defining characteristics so I can remember them next time. After a while (and this never fails) we're on a first-name, &quot;How's your day?&quot; basis, which almost always turns into free drinks or other discounts regularly. I've saved hundreds, if not thousands, of dollars over the years by doing this, and I always repay that courtesy in my tips, as should you.</p> <h2>2. Crash Convention Receptions for Free Drinks</h2> <p>I hated attending conventions and making useless small talk with strangers when I worked in corporate America, but I rather enjoyed the open bar. Turns out I was doing it all wrong anyway &mdash; I didn't need that stinkin' job &mdash; according to Dr. Murray Grossan, a doctor who attends his fair share of conventions. He suggests crashing the party by grabbing a name tag at the entrance to look official so you can throw a few free ones back before anybody's the wiser.</p> <h2>3. Attend More Gallery Openings for Culture &mdash; And Booze</h2> <p>I enjoy art, and I'm an avid supporter of local artists as I've bought numerous pieces over the years to decorate my homes. Enjoying art also comes with perks, like attending gallery openings in your area while enjoying free snacks and wine. Get on the list by visiting a few of your home favorites and provide your email address in their guest book or another place where they cultivate visitors' information. You'll be in like Flynn for the next exhibition.</p> <h2>4. Rent a Luxury Vehicle</h2> <p>I would probably never rent a luxury vehicle myself &mdash; I'd be way too afraid that I'd inadvertently destroy it, and I don't feel the need to impress anybody with a flashy car. But if you're a luxury automobile super fan who balks at the idea of a luxury automobile payment every month, renting isn't a bad idea.</p> <p>&quot;Cars &mdash; brand-new &mdash; cost an average of $25,000 to $30,000, not including maintenance, fuel, and insurance, and then sit in your driveway 22 to 23 hours a day, typically,&quot; says Bradford Hines, personal finance expert and author of AutoProfitz, a book on how to make money buying and selling cars. &quot;This amount of money easily is tripled for a high-end auto like an Audi, Mercedes, Porsche, etc. I use rental car service Turo, a peer-to-peer rental car company, to indulge in the occasional driving of a nice car to get it out of my system, cost effectively letting me not care about driving a 15-year-old Jetta the rest of the time. I recently rented a two-year-old Mercedes E-class for $125.&quot;</p> <h2>5. Order Apps for Dinner at the Fancy Restaurant</h2> <p>I enjoy dining out, and for me fancier is better for special occasions and the like. Sometimes though, I can't or won't let myself afford the high menu prices at some establishments. To settle on a compromise between my belly and back pocket, I often pop into higher-end eateries, grab a seat al fresco or at the bar, and dine on lesser-priced apps and salads to curb my hunger. By doing this, I'm able to enjoy the ambience and delicious cuisine without having to forage for my food the rest of the month. You also may even find a night at a multi-star joint that offers discounted specials, which is happening more and more as the restaurant wars continue to heat up.</p> <h2>6. Travel During a Location's Offseason</h2> <p>Frequent leisure travelers know that jet-setting during the offseason is where it's at. That's how I've gotten some of my most memorable vacations to places like Iceland and Costa Rica, and pet-insurance CEO Nick Braun is wise to that tactic, too.</p> <p>&quot;My wife and I like to take little two- and three-day trips together to have some fun and set the reset button,&quot; he admits. &quot;Our favorite thing to do is book rooms at a fancy hotel, like Ritz Carlton or Four Seasons in the off season during the week. Rates are super low and you can pick any table at any restaurant while you're visiting because nobody else is there.&quot;</p> <p>In addition, I highly recommend checking daily-deal sites like Groupon and LivingSocial for excellent vacation packages &mdash; that Costa Rica trip was a steal &mdash; as well as visiting the websites of the airlines you like to travel or the one based at your destination. They may have discounts that aren't publicized anywhere else.</p> <h2>7. Daily Deal Your Way to Finer Dining</h2> <p>If you want a heartier meal than appetizers at finer-dining establishments, daily deals also are good for shaving a significant amount off the bill.</p> <p>&quot;I like to cook food, and I avoid fast food and midlevel restaurants as well for health reasons and their typically uninspiring food,&quot; Hines says. &quot;Pricier restaurants with incredible cuisine are something I like to do at least a few times a year to get to 'live.' What I do then is go to Groupon and LivingSocial monthly, look for steep discounts (my most recent was half off) at expensive restaurants, and I let the discount dictate which high-end restaurant I go to, which is fine with me since they all are a fun treat.&quot;</p> <p>Restaurant.com is another great restaurant-savings resource, but by my own estimation it's slim pickins to find buzzed-about eateries on there that people are clamoring to get into. Still worth a look though.</p> <h2>8. Shop for Designer Clothes in Thrift Stores in Wealthier Areas</h2> <p>You may think all thrift shops are created equal, but they're not. Visit a secondhand store in an affluent area and you'll notice the difference. I've been to thrift stores that routinely stock designer brands like Ralph Lauren and Kate Spade, among others &mdash; you just have to know where to look.</p> <p>Frugal-living expert Nedalee Thomas says, &quot;I love expensive designer clothing and shoes but I don't like the price tags that go with it. For that reason I have made a habit of shopping in thrift stores located in wealthier areas. I've made many amazing finds, and the only thing better than knowing how good I look is knowing how little I paid.&quot;</p> <p>Try it out for yourself and see what designers you can bring home at bargain-bin prices.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-clever-ways-to-sample-the-good-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-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-save-money-on-kids-activities">How to Save Money on Kids&#039; Activities</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/never-use-cash-for-these-11-things">Never Use Cash for These 11 Things</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/13-surprising-things-you-can-rent-for-extra-cash">13 Surprising Things You Can Rent for Extra Cash</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/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Budgeting Entertainment designer clothes Fine Dining free stuff having fun high life luxury renting shopping traveling wealthy Thu, 22 Sep 2016 10:30:09 +0000 Mikey Rox 1796985 at http://www.wisebread.com 9 Things You Can Do Right Now for a Frugal Holiday Season http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-things-you-can-do-right-now-for-a-frugal-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_80107991_MEDIUM.jpg" alt="make theses moves now for a frugal holiday season" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you find yourself dreading the holidays a bit more each year? Does the prospect of crowds, long lines, and packed parking lots make your eyes glaze over? Does it take until December 24th of the following year to <a href="http://www.wisebread.com/how-to-bounce-back-from-your-holiday-splurge">recover from your holiday splurge</a>? If so, maybe it's time to tame the holidays by getting started early. Here are nine money-saving ways to prepare for the holidays now.</p> <h2>1. Build Your Budget</h2> <p>Using last year's spending as your guide, establish limits for gift-giving this year. Flexibility is essential; don't get too caught up in the per-person dollar amount. A few dollars more or less can help you take advantage of great deals and find the perfect gift (just make sure to not exceed your total spending maximum). (See also: <a href="http://www.wisebread.com/avoid-these-5-common-holiday-budget-pitfalls?ref=seealso">Avoid These 5 Common Holiday Budget Pitfalls</a>)</p> <h2>2. Stash More Cash</h2> <p>Add a few extra bucks to your holiday fund by skipping lunches out once or twice a week, or replacing your morning coffee run with a home brew. The extra cash will come in handy &mdash; and just may help you have a credit-card free Christmas.</p> <p>If you haven't set up a holiday fund yet, it's not too late. Sign up for a <a href="http://www.wisebread.com/christmas-club-accounts-are-they-worth-it">Christmas club account</a> at your local credit union or simply make automatic deposits to an existing savings account.</p> <h2>3. Choose Your Credit</h2> <p>Plan on charging some or all your gifts? Make sure your credit limit can handle it. Pay down excessive balances now so that you can absorb new charges without putting your monthly budget at risk or incurring late-payment penalties. Also, get the most out of your seasonal swiping by using only the best&nbsp;<a href="http://www.wisebread.com/read-this-to-maximize-your-rewards-and-cash-back-this-holiday-season?ref=internal">credit cards that offer shopping benefits and cash back</a>.</p> <h2>4. Make Your Lists</h2> <p>Making your gift lists now reduces deadline pressure later, and helps avoid impulse purchases that wreck so many holiday budgets. When making your list, focus less on what people need right now and more on what they'll need or want when the holidays roll around &mdash; then, let the bargain-hunting begin!</p> <h2>5. Make Your Gifts!</h2> <p>If your DIY gifts are of the non-food variety, now is the perfect time to get crafting. Explore our very own fresh and frugal <a href="http://www.wisebread.com/25-gifts-you-can-make-today">homemade gift ideas</a>, or get inspired by the countless projects featured on Pinterest. Once your creative juices are flowing, comb your local thrift store or craft center for bargain-priced supplies.</p> <h2>6. Hunt for Great Deals Online</h2> <p>There are great deals online year-round. Start scouting for bargains now or trying to find that obscure, out-of-print, out-of-stock, or antique item. By the time the holidays arrive, you'll have the perfect gift (for the perfect price) &mdash; wrapped and ready.</p> <h2>7. Shop Strategically</h2> <p>By shopping early, you not only beat the holiday rush, but you can also take advantage of seasonal discounts and avoid the heavy hit to your finances that often makes credit card use a tempting option.</p> <p>Instead of planning all-day trips to the mall, make casual holiday shopping part of your weekly routine. Stick to the items on your gift list, pick up fun stocking stuffers, and look for a few inexpensive, non-specific gifts you can have ready for unexpected guests.</p> <h2>8. Don't Forget the Extras</h2> <p>Wrapping paper, gift bags, tissue paper, bows, tape, and holiday greeting cards are just a few of the extras that can eat into your holiday bottom-line. Stock up on the basics like tape and tissue paper now while demand is low. And instead of using expensive seasonal paper this year, explore some creative and <a href="http://www.wisebread.com/10-affordable-ways-to-make-your-holiday-gifts-look-amazing">more affordable gift-wrapping ideas</a>.</p> <h2>9. Give Back</h2> <p>Holiday parties can be fun, but why not blend your celebration with a charitable activity? Start planning now. You can coordinate a group outing to serve food at a local homeless shelter, organize a <a href="http://www.toysfortots.org/default.aspx">Toys for Tots</a> toy drive where you work, or plan a book drive for <a href="http://booksthroughbars.org/">Books Through Bars</a> or the <a href="http://prisonbookprogram.org/">Prison Book Program</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-these-9-christmas-gifts-now-and-save">Buy These 9 Christmas Gifts Now and Save</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/december-deals-that-are-better-than-black-friday">December Deals That Are Better Than Black Friday</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping christmas shopping holiday season holiday shopping saving money Fri, 16 Sep 2016 10:00:12 +0000 Kentin Waits 1793853 at http://www.wisebread.com 10 Frugal Fall Getaways You Can Start Packing For Now http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-frugal-fall-getaways-you-can-start-packing-for-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/ireland_castle_76621825.jpg" alt="Finding frugal fall getaways you can start packing for" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Travel is always wonderful, but it can be a struggle when you're on a budget. It's important to look for places where the dollar is doing well, or maybe somewhere you can get a package deal that includes your flight and hotel. If you're looking for a cheap &mdash; but still awesome &mdash; getaway for the fall, here are some places you should look into. (See also: <a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel?ref=seealso">6 Easy Ways to Get Free Travel</a>)</p> <h2>1. Greece</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/athens_greece_66332307.jpg" width="605" height="340" alt="" /></p> <p>Though it can still cost a lot to stay on one of the more famous islands like Santorini, Greece's economic issues make it one of the cheaper places to stay. Ferries run between islands &mdash; if you want to check all of them out &mdash; but there are <a href="https://www.lonelyplanet.com/greece/athens/travel-tips-and-articles/the-best-free-things-to-do-in-athens">tons of cheap things to do in Athens</a>, too. And that's probably what you're going to want to see when you're traveling to Greece.</p> <h2>2. Cambodia</h2> <p>Cambodia is <a href="http://www.priceoftravel.com/46/cambodia/phnom-penh-prices">one of the cheapest places</a> to visit, and it's filled with amazing things to see. Angkor Wat alone has so many temples and so much ground to cover, you might need more than just a day pass to do it. And that's only one of the sites this country has to offer. With its low prices and attractions, you'll get your money's worth here.</p> <h2>3. Camping Somewhere Stateside</h2> <p>If you feel like staying in the states, there's bound to be an awesome camping destination within a few hours of you. Hiking, fishing, and just being in the middle of all nature has to offer is an amazing thing. If you really want to rough it, tent sites are usually cheaper. But if you want something a little bit sturdier, log cabins are the way to go.</p> <h2>4. Dominican Republic</h2> <p>If you want a Caribbean vacation that doesn't hurt your wallet, the Dominican Republic is your perfect spot. It's a great place for an all-inclusive vacation. Some hotels have multiple pools, bars, and gourmet restaurants that are included with the price of your stay. Activities like golfing, scuba diving, and parasailing come with additional fees &mdash; and the resorts can book those adventures for you.</p> <h2>5. Puerto Rico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/puerto_rico_85980345.jpg" width="605" height="340" alt="" /></p> <p>Another decently priced tropical destination, Puerto Rico is great because the flights are cheap and they use the US dollar for currency. Avoid the touristy areas if you want to get your money's worth. Hit up the <a href="http://www.seepuertorico.com/en/destinations/west/">west coast of the island for amazing beaches</a> and smaller crowds.</p> <h2>6. Vietnam</h2> <p>Though it's becoming more popular, Vietnam is still cheap and beautiful. If you go while budgeting, you can get by on less than $40 a day. Since most of the country is pretty underdeveloped, it's a great place to backpack and go on a true adventure. If you're not into that, Hanoi and Ho Chi Minh City are the more popular tourist destinations.</p> <h2>7. Bolivia</h2> <p>One of only two landlocked countries in South America, Bolivia is often overlooked. The city of La Paz is a unique place that blends modern life with indigenous traditions, and it's full of activities that aren't to be missed. And if you venture away from the city, you can see more of the indigenous and religious culture you can't experience anywhere else.</p> <h2>8. San Diego</h2> <p>Unlike Los Angeles and San Francisco, it's a lot easier to get a bargain here. Beaches are your best bet, with miles of boardwalk and coastline to be explored. The Coronado Ferry is pretty cheap to ride, and it lets you see the sites from a different perspective. If you have a bit more money to spend, take in one of the famous destinations here, like the San Diego Zoo.</p> <h2>9. Bulgaria</h2> <p>Another frequently overlooked destination, Bulgaria has some of the most deserted beaches in Europe. It also boasts old towns to explore and mountain ranges to trek. It's been influenced by multiple cultures, so you'll see a unique blend of things here that make it a must-see destination. There are a ton of gorgeous monasteries and churches if you get tired of being on the beach all day.</p> <h2>10. Ireland</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ireland_scenic_83019115.jpg" width="605" height="340" alt="" /></p> <p>Travel to Ireland has gotten cheaper in recent years, and it's a deal worth jumping on. With Dublin being a big city, it can be more on the expensive side for things like food, but there are still plenty of free things to do to fill your time. Journey out to the countryside for some amazing views and cheaper places to stay &mdash; though you might want to rent a car to fully experience everything this country has to offer.</p> <p>You can still travel to some of the most amazing places in the world while on a budget. Go to places less-traveled, plan ahead to find cheap flights and hostels, and make the most of the spending limit you have. There's nothing wrong with going off the beaten path to see something awesome!</p> <p><em>What are some other cheap fall destinations? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-frugal-fall-getaways-you-can-start-packing-for-now&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now.jpg&amp;description=10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Frugal%20Fall%20Getaways%20You%20Can%20Start%20Packing%20For%20Now.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/anum-yoon">Anum Yoon</a> of <a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-travel-destinations-for-people-who-hate-crowds">10 Travel Destinations for People Who Hate Crowds</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting Travel budget travel budgeting fall getaways frugal travel saving money travel vacation Wed, 07 Sep 2016 10:00:16 +0000 Anum Yoon 1787549 at http://www.wisebread.com How I Saved $3,190 With a $50 HDTV Antenna http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-i-saved-3190-with-a-50-hdtv-antenna" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_95269139_MEDIUM.jpg" alt="their HDTV antenna saved them thousands" title="" class="imagecache imagecache-250w" width="250" height="126" /></a> </div> </div> </div> <p>Three years ago, I realized it was ridiculous to pay $110 per month for satellite TV when I could get it for free. Sure, I liked the large selection of channels I was getting from satellite TV, but free is hard to beat. With a $50 purchase to get free channels, I have saved over $3,190 so far. Here's how I did it.</p> <h2>Is TV Ever Really Free?</h2> <p>Before the days of cable and satellite TV, all channels were free. Local TV stations would broadcast a signal over the air for anyone to pick up through the &quot;rabbit ear&quot; antennae on their TV set. Why would big stations broadcast their content for free? Advertising. TV stations sold commercials to generate the income they needed to pay for their programming, not to mention a bit of profit for the TV station.</p> <p>You may not realize it, but all local TV stations are still broadcasting for free. In recent years, TV stations have been required to upgrade their transmitters to broadcast digital high definition channels. This means that in most areas, you can get high quality digital TV service for absolutely free! All you need is an HDTV antenna.</p> <h2>What Is an HDTV Antenna?</h2> <p>You may remember large rooftop TV antennae from years ago. The one at my house when I was growing up even had a rotor that turned the antenna to tune in different stations. Now you can get good reception using a small <a href="http://www.wisebread.com/the-5-best-indoor-tv-antennas">indoor HDTV antenna</a> that is about the size and shape of an iPad.</p> <p>Indoor HDTV antennas start at under $10. If you live in a metropolitan area with TV stations within about 25 miles, this may be all you need. I live a bit further away from town, so I went with an antenna that includes a powered amplifier to boost the signal and receive from about 50 miles away. You can still buy an outdoor TV antenna, but in most cases, an inexpensive indoor antenna works quite well to pick up local stations.</p> <h2>How to Get Free TV With Your HDTV Antenna</h2> <p>Of course, you'll need a high definition TV to receive HDTV with your antenna. Most high definition TV sets have an antenna input. Simply attach your HDTV antenna to the antenna input using the coaxial cable that comes with the antenna. If you have a powered amplifier, you will need to plug the amplifier into an outlet to make it work.</p> <p>Most indoor HDTV antennas are designed to hang neatly on the wall like a picture. The problem with mounting an antenna this way is that you may need to reposition the antenna to get good reception of some stations. I use a bookshelf near my TV to place my HDTV antenna in different positions to get good reception. If you don't get a signal at first, try moving the antenna to different locations. Sometimes laying my antenna flat and upside down provides the best reception.</p> <h2>Here's How I Saved $3,190 With a $50 HDTV Antenna</h2> <p>Three years ago, I decided to &quot;cut the cable&quot; and get rid of my TV service, using my HDTV antenna to get free TV instead. Here's how I saved $3,190.</p> <p>Satellite TV was costing me $110 per month, so over three years this adds up to $3,960. I spent $50 for an indoor HDTV antenna, and about $20 per month for Netflix and Hulu subscriptions, or $720 for three years.</p> <p>My savings so far is: $3,960 &mdash; $50 &mdash; $720 = $3,190!</p> <p>Even if you pay much less for your cable or satellite TV package than I was paying, you can still save a lot of money by using free HDTV instead. If your TV bill is only $60 per month, that still adds up to $2,160 over three years.</p> <h2>How to Save Money With Free HDTV</h2> <ul> <li>When you buy an HDTV antenna, keep the package and receipt. If you are not happy with the channels you get in your area, you can return it and get your money back.<br /> &nbsp;</li> <li>All HDTV antenna models perform differently. I returned one antenna before finding another model that worked better.<br /> &nbsp;</li> <li>Unless you live near a metro area, go with an amplified HDTV antenna to get more stations.<br /> &nbsp;</li> <li>The sooner you cut your TV subscription channels, the more money you can save. Try an HDTV antenna to see if you can get some free stations in your location and start saving money on TV as soon as possible.<br /> &nbsp;</li> <li>If the selection of free TV stations in your location isn't enough, use inexpensive streaming video services such as Netflix, Hulu, and Amazon Prime video to round out your TV viewing options. These services cost about $8&ndash;$10 per month.</li> </ul> <p>You might think that using an HDTV antenna would be less convenient than subscribing to cable or satellite TV, and that you would get fewer channels. You would be right. But I would rather have 3,190 extra dollars than pay for a bunch of channels that I rarely or never watch.</p> <p><em>Did you get a free HDTV with an antenna? How much did you save?</em></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/how-i-saved-3190-with-a-50-hdtv-antenna">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</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-things-you-can-do-right-now-for-a-frugal-holiday-season">9 Things You Can Do Right Now for a Frugal Holiday Season</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping Technology cable tv free tv HDTV satellite tv saving money technology tv tv antenna tv parts tv repair Wed, 07 Sep 2016 09:30:30 +0000 Dr Penny Pincher 1787517 at http://www.wisebread.com Easy Budgeting for People Who Hate Math http://www.wisebread.com/easy-budgeting-for-people-who-hate-math <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/easy-budgeting-for-people-who-hate-math" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_budgeting_math_98602015.jpg" alt="Woman doing easy budgeting for people who hate math" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For many people, budgeting is challenging not because of its tediousness, but because of the math. Numbers make them cringe. If that's you, here's how to get past your dislike of digits and get in the budgeting game.</p> <h2>Make Peace With the Process</h2> <p>Budgets get a bad rap. People who don't use one tend to hate the very idea of a budget. It sounds so constraining. It feels like so much work.</p> <p>But people who use a budget say it's actually freeing. There's peace of mind that comes from knowing where their money's going. That knowledge gives them the power to make proactive decisions about how to best use their money.</p> <p>That perspective can be really powerful. While this article will minimize the math involved in using a budget, some will be required. What'll take the edge off is accepting, at least on faith, that using a budget will be beneficial to you.</p> <h2>Get the Math Part Over With as Quickly as Possible</h2> <p>Planning is the first of three essential steps involved in using a budget. That means deciding how much you're going to divvy up your dough &mdash; how much to save, invest, and spend on everything from gifts to groceries.</p> <p>This is usually the most math-heavy part of the process. But there are plenty of guides available, including the free downloadable <a href="http://www.mattaboutmoney.com/resources/">Recommended Cash Flow Guidelines</a> I created, which shows how much you could allocate to the most common categories based on household size and income.</p> <p>Download the Excel version of the Cash Flow Plan as well and enter the recommended amounts from the Cash Flow Guidelines as a starting point. Then customize your cash flow plan based on your priorities. You may value vacations more highly than buying new clothing, so adjust accordingly, making sure that in the bottom right corner, outgo equals income.</p> <p>At very least, the guidelines will help you avoid having to start from scratch, crunching lots of numbers to figure out how much to allocate to this or that.</p> <h2>Choose the Tracking Tool That Works for You</h2> <p>The second of the three essential steps involved in using a budget is tracking where your money is actually going. This can be tedious, and is often where first-time budgeters bail. Keep in mind, this is not a one-size-fits-all process. There are a variety of tools you could use. The best is the one you <em>actually will use</em>.</p> <p>Among the many options available, two are especially well-suited to those who don't like math. First, there's <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-envelope-system">the envelope system</a>. With this approach, you'll write checks or use electronic bill-pay for expenses such as your mortgage or rent, utilities, and insurance. For discretionary expenses, where spending can vary and you have to be more intentional about managing your spending, you'll use envelopes &mdash; one for each category such as groceries, entertainment, and clothing.</p> <p>If you get paid once a month and your monthly clothing budget is $100, you'll put $100 cash in an envelope marked &quot;clothing.&quot; You'll take the envelope with you when you go clothes shopping, make your purchase with money from the envelope, and put any change back in the envelope. If you're paid twice a month, you'll put $50 in the &quot;clothing&quot; envelope each time you're paid.</p> <p>The envelope system requires very little math. At a glance, you can see how much money you have left to spend until the next payday.</p> <p>Second, there are <a href="http://www.wisebread.com/10-free-or-almost-tools-and-resources-for-creating-a-new-2015-budget?ref=internal">online budgeting tools</a>. The beauty of online tools, such as Mint.com, is that they do much of the math for you. Your job is to enter your budgeted amounts for each category and then link your checking and credit card accounts. Your online tool of choice will then automatically capture your spending (you only need to manually enter cash transactions) and show you how your spending in each category compares with your budgeted amounts. With just a few quick clicks, you can see how you're doing this month, this year, or other time frames, and the information is available to you anywhere you can get online.</p> <h2>Review, Revise, and Repeat</h2> <p>The third of the three essential steps involved in using a budget is reviewing how you're doing. If your groceries envelope became empty two-thirds of the way through the month, or if the groceries category in your online budget tool showed the same, you either need to allocate more for groceries or get more proactive about how well you're stretching your grocery budget.</p> <p>Getting the allocations right may take a few months, but it doesn't require much math. You just need to shift dollars from categories where you have money left over each month to those where you need more.</p> <p>Don't let your dislike of math hold you back from using one of the most powerful tools available for wise money management &mdash; a budget. The envelope system is a simple way to proactively plan and manage your spending with no number crunching required. Online tools bring a lot of sophistication to the process, while doing most of the math-related heavy lifting for you.</p> <p><em>How do you budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/matt-bell">Matt Bell</a> of <a href="http://www.wisebread.com/easy-budgeting-for-people-who-hate-math">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/money-management-in-5-minutes-a-day">Money Management in 5 Minutes a Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</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-budgeting-skills-everyone-should-master">11 Budgeting Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting bad at math crunching numbers Envelope system mint money management numbers organization tracking Tue, 06 Sep 2016 09:00:07 +0000 Matt Bell 1785279 at http://www.wisebread.com 6 Easy Ways to Get Free Travel http://www.wisebread.com/6-easy-ways-to-get-free-travel <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-easy-ways-to-get-free-travel" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_69540947_LARGE.jpg" alt="travel the world for free" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A common misconception is that travel is expensive. But you may be surprised to learn that there are easy, accessible ways to score free travel that don't require you to be a computer whiz or an expert travel hacker. In fact, most of them are fairly straightforward.</p> <h2>1. Get a Free Plane Ticket With Your Next Credit Card</h2> <p>If you're serious about getting free travel fast, you can do so in as little as 15 minutes, and it doesn't have to cost you a thing, if you do it right. There are many <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">travel rewards credit cards</a> that offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">large sign-up bonus</a>. This bonus alone can be enough to <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">cover a domestic round-trip ticket</a>. If you wait a little longer, you can earn more points through purchases and get enough for a <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">free international trip</a>.</p> <p>Getting started with travel rewards is simple, and using the right credit cards can net you valuable rewards. Here is our <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">guide to choosing the best travel rewards credit card</a> for you.</p> <p>It never makes sense to go into debt for a free plane ticket. You should pay off your credit card statement in full every month and never carry a balance. It will never be worth paying interest in order to get rewards.</p> <h2>2. Sail for Free</h2> <p>You can score a lot more than free flights. Many people who sail in the Caribbean or even between Europe and the Americas are often looking for extra help to crew their vessels.</p> <p>You don't necessarily even need to have experience. You just need to be willing to learn and spend a few weeks at sea. You will learn a valuable skill and have an unforgettable experience. (See also: <a href="http://www.wisebread.com/how-to-get-free-accommodations-and-paid-jobs-on-boats?ref=seealso">How to Score Free Accommodations (and Paid Jobs) on Boats</a>)</p> <h2>3. Sleep for Free</h2> <p>Once you get to your destination (whether by a free flight or a free sail), there are some easy ways that you can get free accommodation. If you have a home, consider signing up for a home exchange program. This works especially well if you live in a desirable city, such as New York City, or San Francisco.</p> <p>If you do have an apartment in a high demand area, it will be easy to find someone who is interested at staying in your home and you should have a great deal of flexibility in your travel dates, but even if you don't, you may be surprised at how many people are interested in your corner of the world.</p> <p>Services such as <a href="http://www.jdoqocy.com/click-2822544-10495603-1429299077000">Home Exchange</a> are well-regarded, and although you may have to pay a sign-up fee of $150, you can save more than this initial fee in the free accommodations you will receive after signing up.</p> <p>For those who don't have an apartment or home to list, you can still find free accommodations in the form of <a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig?ref=internal">house or pet sitting</a>. You can find house-sits throughout the world for different dates. If you are looking for a shorter stay, check out <a href="https://www.couchsurfing.com/">Couchsurfing</a>, which is ideal for a few days. You can connect with locals in the city you are traveling to and they will put you up for absolutely free.</p> <p>And finally, another great way to land free accommodation is by volunteering or staying in places such as ashrams and Sikh temples. Especially in India, you can volunteer your time cooking, cleaning, or being a yogi, and in exchange you'll get free room and board, plus an unforgettable experience.</p> <h2>4. Volunteer</h2> <p>If you are serious about finding free accommodation, look for volunteer programs. These are available both on a short-term and long-term basis. Travel with the Peace Corps, United Nations, and ArtCorps for assignments that can last one or two years. <a href="http://www.wwoof.net/">WWOOF</a> (World Wide Opportunities on Organic Farms) connects you with farms all over the world who will host and feed you in exchange for a few hours of work on their farm daily. (See also: <a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel?ref=seealso">11 Volunteer Opportunities for Free or Very Cheap Travel</a>)</p> <h2>5. Travel by Foot or by Bike</h2> <p>If travel by plane or boat are not your cup of tea, consider walking or biking. You are guaranteed to have a memorable travel experience, while spending $0 on transportation costs. There are some amazing places in the world you can see by foot. You could hike the <a href="https://www.lonelyplanet.com/spain/travel-tips-and-articles/1467">Camino trail in Spain</a>. You can stay in hostels and refuges along the way, or you can bring your own tent, avoiding all accommodation costs as well.</p> <p>Bike trips are another way to eliminate the cost of transportation entirely. Tom Allen provides great resources for <a href="http://tomsbiketrip.com/planning-a-bike-tour/">planning a bike trip</a>. Usually you can buy a bike for very cheap and it will quickly pay for itself in the savings you'll make on busses, trains, or planes.</p> <h2>6. Start a Travel Blog</h2> <p>Starting a blog is easy, but building it up is going to take some time. However, if you learn <a href="http://www.goatsontheroad.com/how-to-start-a-travel-blog/">how to start a travel blog</a> and begin building your blog audience now, by this time next year, you could have a following that is actually worth something.</p> <p>Many hotels, tour operators and airlines will be keen to access your hard-earned audience and they will often offer you free accommodation, trips, and flights in exchange for an honest review on your blog. I know from experience! I haven't had to pay for scuba dives, hotels, or tours in a very long time! This is technically more of an &quot;exchange&quot; than free travel, but it's pretty amazing staying in beautiful hotels and getting to share the experience with your readers!</p> <p>There are many <a href="http://www.wisebread.com/7-ways-that-anyone-can-travel-for-free?ref=internal">ways to travel for free</a>. All it takes is a little bit of thinking outside the box and some time. Remember that <a href="http://www.wisebread.com/savor-your-trip-and-save-big-with-these-5-slow-travel-tips?ref=internal">traveling slow</a> is another way to save a lot of money. Consider what skills you have to offer and then remember that you can always barter those skills along the way instead of paying.</p> <p><em>What are some other easy ways to score free travel? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-easy-ways-to-get-free-travel&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%20Easy%20Ways%20to%20Get%20Free%20Travel.jpg&amp;description=6%20Easy%20Ways%20to%20Get%20Free%20Travel" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Easy%20Ways%20to%20Get%20Free%20Travel.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/earn-free-travel-sooner-with-these-frequent-flyer-mileage-secrets">Earn Free Travel Sooner With These Frequent Flyer Mileage Secrets</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/everything-you-need-to-know-about-frequent-flyer-miles">Everything You Need to Know About Frequent Flyer Miles</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/extend-your-vacation-for-free-with-open-jaws-and-stopovers">Extend Your Vacation for Free With Open Jaws and Stopovers</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/14-of-the-best-free-things-to-do-abroad">14 of the Best Free Things to Do Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel free flights free travel frequent flyer miles frugal living travel rewards Tue, 30 Aug 2016 10:00:15 +0000 Nick Wharton 1782253 at http://www.wisebread.com 6 Ways Gluttony Is Keeping You Poor http://www.wisebread.com/6-ways-gluttony-is-keeping-you-poor <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-gluttony-is-keeping-you-poor" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_56582268_MEDIUM.jpg" alt="gluttony keeps you poor" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This installment in our <a href="http://www.wisebread.com/topic/seven-deadly-sins">series of deadly sins</a> speaks to gluttony, and it's important to know how it differs from greed. The two are related, but greed is more of a miserly, selfish sin. You hoard. You acquire. You amass wealth. Gluttony, that's a different animal. Fundamentally, it's all about self-control, or the lack of it. You eat more than you should. Drink more. Spend more. Want more. Waste more. And as you are about to see, gluttony can also keep you poor.</p> <h2>1. You're Buying Way Too Much Food and Drink</h2> <p>Let's start with the most obvious place that you're losing money, and that's on food and drink. If you are a real glutton, you're going to be spending a huge portion of your income on what goes in the fridge and the pantry. Food, food, glorious food, but, way too much of it. From overloading the cart when you go to the grocery store, to eating the whole pizza when a quarter of it would have been fine, your indulgence in food and drink is costing you big bucks.</p> <p>One of the best ways to deal with this is to limit portion sizes by using smaller plates, and to shop using a list of <em>only</em> the items needed. Also, don't go back for seconds when you can save that food and have it as a meal the day after.</p> <h2>2. Your Over-Indulgence Is Affecting Your Health</h2> <p>Directly related to eating and drinking too much is health care costs. It's widely-known that the costs for treating obesity in this country are staggering. Medical costs alone come to over $192 billion in the U.S. alone, and that is only continuing to rise. When you're obese, or just overweight, you are increasing the risk of getting many diseases and conditions, including: high blood pressure, high cholesterol, type 2 diabetes, coronary heart disease, stroke, sleep apnea, some cancers, depression, gallbladder disease, osteoarthritis, and body aches and pains.</p> <p>While some conditions are more serious than others, if you get them, you're talking about paying for doctor's office visits, hospital stays, medications, and therapy (both physical and mental). As the cost of health care skyrockets, you do not want to be paying more and more every year because you lack self-control. It's not always easy to hold back, and diets are no fun. But the alternatives are not just expensive, they can be deadly.</p> <h2>3. Your TV Habits Keep You From Reaching Your Potential</h2> <p>A new phrase entered our vocabularies over the last few years: &quot;binge-watching.&quot; It is the TV equivalent of eating an entire pizza in one sitting, and although it may not be as bad for your health as that kind of gluttonous act, it's also not doing you any favors.</p> <p>Sure, bingeing the occasional show every now and then is fine. But if you find yourself bingeing series after series, week after week, you are spending way too much time in front of the TV.</p> <p>This leads to &quot;checking out&quot; of more healthy activities, like hiking, cycling, swimming, gardening, and spending time with friends. And it also hinders your career and lifestyle. What else could you be doing with that time? Could you be studying to get a promotion or raise? Could you be organizing your finances? Think about the time spent in front of the TV, and how cutting back could make a difference.</p> <h2>4. Binge-Drinking Can Be Dangerous</h2> <p>Although binge-watching is a new term, binge-drinking has been around for centuries. In certain cultures, especially England (where I'm from), binge-drinking seems to be an accepted part of life. You work hard during the week, then on Friday and Saturday nights you go out and get absolutely hammered. And you can spend a lot of money doing it.</p> <p>The physical effects of binge-drinking are bad enough. Too much alcohol can put a lot of stress on your heart, stop your breathing, affect your memory, or make you vomit in your sleep (many people have died this way). But when drunk, you can do things that have a negative impact on your home life, and your career. It is not uncommon for people to be fired after saying or doing things on a night out that they would never do sober. In this day and age, you could seriously damage your career after a binge-drinking night on the town.</p> <h2>5. More Food Means More Waste</h2> <p>Aside from spending large amounts on food and drink, there is another byproduct of shopping for too much grub. Waste.</p> <p>Gluttonous habits in grocery stores can lead to you filling the shopping cart with items you want because they look good. Without sticking to a shopping list, you can easily pile your cart high with items you don't need, and stack them in the pantry and fridge with little hope of eating them before they expire. That is literally cash in the trash. So buy what you need, and what you can freeze &mdash; no more. Even if it's a crazy good deal, spending only $5 on a prime piece of steak is not a savings if the steak then expires and goes in the garbage.</p> <h2>6. Impulse Purchases and Deals Are a False Economy</h2> <p>Most of us love a good bargain. But without self-control, the dazzling deals you see getting served up every day can drain your bank account, and lead to spiraling debt. Remember, deals are only deals if you needed the item in the first place.</p> <p>For example, if you're looking for a new washing machine, and see an ad offering one for 30% off, then congratulations, you found a great deal. But if, at the same time, you see a dishwasher on sale for 30% off, but your current one is just fine, then that's not a bargain. That's just gluttony. You see it. You like it. You want it. You buy it. It doesn't just apply to the big-ticket items, either. Grocery stores use techniques to erode your self-control (like buying 10 items for a $1 each, when you only need two costing $1.50 each). Before you know it, you're over-budget, and stockpiling a lot of items that may never get used. So, before you act, think. Do I need it, or do I just want it because it's on sale?</p> <p><em>What other gluttonous habits are keeping you poor? Share with us!</em></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-ways-gluttony-is-keeping-you-poor">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-72-brilliant-ways-to-stretch-20">Flashback Friday: 72 Brilliant Ways to Stretch $20</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting glutton gluttony money money management poor saving money seven deadly sins Thu, 25 Aug 2016 09:00:05 +0000 Paul Michael 1778985 at http://www.wisebread.com 10 Sneaky Vacation Costs That Add Up Quickly http://www.wisebread.com/10-sneaky-vacation-costs-that-add-up-quickly <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-sneaky-vacation-costs-that-add-up-quickly" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_75848571_MEDIUM.jpg" alt="sneaky vacation costs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all love going away on vacation, but we don't love the costs associated with it. Usually, the big costs are taken into account before leaving the house &mdash; the hotel, the flight, the attractions, even the rental car. But what we often forget about are the little costs that can eat into the budget before your plane even takes off. Here are 10 of the biggest offenders, with a little advice on cutting down these last-minute expenses.</p> <h2>1. Check-In Fees</h2> <p>Most of us check-in way ahead of time to avoid lines at the airport. However, more airlines are starting to charge for different aspects of this service, knowing that you would rather pay a fee than leave it to the last minute. In some instances, you will be charged for the convenience of checking-in online. Amazingly, there may even be a cost for printing a boarding pass (currently Spirit charges $10 if you have one printed at the check-in counter), so look for options that are free (like printing yours at home, or using an app). (See also: <a href="http://www.wisebread.com/5-airline-miles-secrets-only-frequent-flyers-know?ref=seealso">5 Airline Miles Secrets Only Frequent Flyers Know</a>)</p> <h2>2. Checked or Carry-On Luggage Fees</h2> <p>If you've flown anywhere in the last few years, you probably noticed how insanely full the overhead luggage compartments were. That's because people got wise to the checked baggage fees, and started bringing even more carry-on luggage instead. In fact, you'd often see flight attendants asking for carry-on bags to be checked free, due to space issues. However, recent carry-on fees (which are usually more than checked baggage fees) have reversed that trend. Now, there's plenty of room in the cabin, because once again, people are looking for the cheapest option. So, even if you have a bag that's carry-on-sized, look at the prices. It may be cheaper to check it.</p> <h2>3. Overweight Luggage Charges</h2> <p>This one can really bite you at the last minute. If your bag weighs more than 50 pounds, you will pay a penalty, and this can vary depending on the airline. For instance, Frontier will charge you $75, whereas American Airlines tacks on a whopping $200! Sometimes, you can do some quick swapping between bags to get them all under 50 pounds, but if that's not an option, you may find it cheaper to leave some items at the airport (give them away, trash them) rather than pay the hefty fee.</p> <p>A good way to avoid this is to buy a luggage scale and weigh your luggage before you ever get to the airport. Bring it with you, too. You may also want to pack a light extra bag that you can use in an emergency. Usually, the additional bag fee is cheaper than the overweight bag charge. Or, try <a href="https://www.luggageforward.com/excess-baggage-fees/">Luggage Forward,</a> which ships your bags to and from your destination.</p> <h2>4. Seat Selection</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/seat_selection.jpg" width="605" height="340" alt="" /></p> <p>If you're happy with any old seat on the plane, you usually don't have to worry. But if you would like to choose your seat (and if you're not traveling alone, you will most likely want to sit next to the person you're flying with), you'll be faced with a variety of costs. These costs get much higher as you move toward the front of the plane, where there is extra legroom, or if you want to sit in an exit row. Some airlines, like Spirit, will charge you for an advanced seat assignment, no matter where it is on the plane, so you may want to wait until you get to the check-in counter.</p> <h2>5. Food</h2> <p>When you're on vacation, you don't think much about food on the way to your destination. But remember, you're a captive audience in an airport. And when you're hungry or thirsty, you'll pay big bucks. Airport food is always more expensive than it is elsewhere, and when you're traveling as a family, those costs add up quickly. On the plane, it's even worse, with in-flight meals now costing upward of $10 for something quite meager. So before you leave, try and eat a good meal to keep you going through the airport and flight.</p> <h2>6. Parking</h2> <p>If you park at the airport, you won't be paying for this until you return. But make sure you budget for it, because it can really add up (especially at a garage parking, which can run over $20 a day). Instead, look at off-airport parking, which is cheaper and can be paid for in advance. These places offer valet, and covered and uncovered parking, with free shuttles to and from the airport. Most offer coupons and discounts as well, so do a little research before you book. You can get your parking down to $5 a day if you're smart.</p> <h2>7. Car Transportation</h2> <p>If you decide to take a taxi to the airport, you will save on parking fees, but you'll replace them with cab fares. An airport run is often a standard fee for most cab companies, and usually comes with the &quot;airport access fee&quot; tacked on. Depending on where you live in relation to the airport, you can easily spend $75 on a one-way trip, and that does not include the tip. Services like Lyft and Uber are cheaper (although watch out for the surge pricing with Uber), and you can also find car services that specialize in airport runs.</p> <h2>8. Currency Exchange</h2> <p>If you're traveling out of the country, you'll want to turn your dollars into cash you can use when you arrive. And that costs money. Depending where and when you do it, the service fee and poor exchange rate could really cost you. <em>Do not</em> exchange your money at the airport. It's the worst place to do it because it's the most convenient. Instead, order the cash from your own bank way ahead of time, or use a reputable online service. If you can, bring a <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=travel">credit card with no foreign transaction fees</a> with you. It'll really help.</p> <h2>9. Visa Fees</h2> <p>Depending on your destination, you will have to purchase visas to enter the country. For instance, right now U.S. passport holders are required to pay a <a href="http://www.mychinavisa.com/rates/">$140 fee per visa to enter China</a>. That's almost $600 for a family of four, which really adds a lot onto the cost of the vacation. You could choose to visit a country that does not require a visa. There are currently 38 countries in the Visa Waiver Program, so if you pick one of those, you don't have to worry about this fee.</p> <h2>10. Carry-On Friendly Items</h2> <p>If you're planning to bring toiletries and similar personal items on the plane with you, get ready to go shopping. The restrictions are quite clear: You can bring a quart-sized bag of essentials, but each liquid, aerosol or gel is <a href="https://www.tsa.gov/travel/security-screening/liquids-rule">restricted to just 3.4 ounces</a>. If you bring expensive perfume or cologne, and it's bigger than 3.4 ounces, it will be confiscated.</p> <p><em>What are some other sneaky vacation fees to look out for? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-sneaky-vacation-costs-that-add-up-quickly&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%20Sneaky%20Vacation%20Costs%20That%20Add%20Up%20Quickly.jpg&amp;description=10%20Sneaky%20Vacation%20Costs%20That%20Add%20Up%20Quickly" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Sneaky%20Vacation%20Costs%20That%20Add%20Up%20Quickly.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-sneaky-vacation-costs-that-add-up-quickly">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-smart-travel-hacks-only-frequent-flyers-know">5 Smart Travel Hacks Only Frequent Flyers Know</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-reasons-you-should-check-your-luggage">7 Reasons You Should Check Your Luggage</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-fool-proof-ways-to-stay-within-your-travel-budget">7 Fool-Proof Ways to Stay Within Your Travel 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/7-easy-ways-to-budget-for-summer-vacation">7 Easy Ways to Budget for Summer Vacation</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-pack-for-vacation">5 Things You Should Never Pack for Vacation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Travel air travel expenses fees flying Food luggage parking travel budget vacation vacation costs Tue, 16 Aug 2016 10:30:12 +0000 Paul Michael 1773244 at http://www.wisebread.com Flashback Friday: 50 Money Moves You Need to Make When Big Changes Happen http://www.wisebread.com/flashback-friday-50-money-moves-you-need-to-make-when-big-changes-happen <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-50-money-moves-you-need-to-make-when-big-changes-happen" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_cash_91828121.jpg" alt="Woman making money moves when big changes happen" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You wanna win at life? Be flexible. Learn how to adapt to change. Because life is long and change is inevitable. And when you're facing a major shift in your daily routine, it might be time to reevaluate your money. Here are all the money moves you need to make when big changes happen.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000077659843_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired?ref=fbf">11 Financial Moves to Make the Moment You Get Fired</a> &mdash; Getting fired sucks, and at some point, it happens to a lot of us. Lessen the blow by being financially prepared in case you walk into work one day and walk out with your stuff in a box.</p> <p><a href="http://www.wisebread.com/8-money-moves-to-make-the-moment-you-get-a-promotion?ref=fbf">8 Money Moves to Make the Moment You Get a Promotion</a> &mdash; If you work hard and stay focused, chances are you'll get promoted. So when you get a pay bump and a new corner office, make sure your money goals reflect your new success.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_happy_credit_card_000089299163.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/9-money-moves-to-make-the-moment-your-credit-cards-are-paid-off?ref=fbf">9 Money Moves to Make the Moment Your Credit Cards Are Paid Off</a> &mdash; Reaching debt-free status with your credit cards is everyone's goal, and it's a good one to strive for. So once you reach it, you need to put a plan in place to keep that money momentum going. Otherwise, you'll end up right back where you started.</p> <p><a href="http://www.wisebread.com/12-money-moves-to-make-the-moment-you-decide-to-retire?ref=fbf">12 Money Moves to Make the Moment You Decide to Retire</a> &mdash; Before you leave the workforce and become an official retiree, examine your savings and confirm that you won't ever have to work again. That's what retirement is all about, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/friends_hands_heart_29104258.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-married?ref=fbf">5 Money Moves to Make the Moment You Decide to Get Married</a> &mdash; Weddings are expensive, and deciding to share your life with another person can bring about all kinds of major money choices. Make sure you're both on the same page, and are set up for a blissful partnership.</p> <p><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-divorced?ref=fbf">5 Money Moves to Make the Moment You Decide to Get Divorced</a> &mdash; Not everyone will end up divorced, but if you find yourself in this boat, it's definitely a good time to make sure your finances are in order. Divorce is stressful and heartbreaking enough, so ensure your financial sanity by planning and protecting yourself from ending up broke.</p> <p><em>What other money moves should you make throughout your life? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-50-money-moves-you-need-to-make-when-big-changes-happen">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-72-brilliant-ways-to-stretch-20">Flashback Friday: 72 Brilliant Ways to Stretch $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/flashback-friday-45-life-lessons-youd-give-to-your-younger-self">Flashback Friday: 45 Life Lessons You&#039;d Give to Your Younger Self</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-63-best-cooking-hacks-for-busy-people">Flashback Friday: 63 Best Cooking Hacks for Busy People</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-dumb-ways-youre-going-to-waste-money-this-summer">9 Dumb Ways You&#039;re Going to Waste Money This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting budgeting fbf finances flashback friday frugal living money moves personal finance smart Fri, 12 Aug 2016 10:00:14 +0000 Chrissa Hardy 1770843 at http://www.wisebread.com 15 Little Known Ways to Save at Disneyland http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-little-known-ways-to-save-at-disneyland" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_92789511_MEDIUM.jpg" alt="learning how to save money at disneyland" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Disneyland is considered the &quot;happiest place on Earth,&quot; but if you look at the ticket prices, it is not the happiest place for your budget. Despite the pricey tickets, Disneyland is still a <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things">fun and magical place</a> to visit for the whole family. Here are some overlooked tips for enjoying Disneyland on a budget.</p> <h2>1. Be Prepared</h2> <p>We went to Disneyland recently for my four-year-old's birthday. All month, it had been in the high 80s, so we did not think to bring extra clothes. Of course, once we were in the park, the weather was chilly, and my daughter was uncomfortable. We ended up spending $50 on an Elsa sweater to keep her warm.</p> <p>Had we been prepared, we would've brought a sweater so that we wouldn't have had to waste the money. The funny thing is that Costco now has a very similar Elsa sweater for less than $10. I suggest you also bring a change of clothes and maybe even a poncho, especially if your little one loves to go on the water rides.</p> <h2>2. Shop the Wal-Mart or Target Near Disneyland</h2> <p>Wal-Mart and Target near Disneyland both have a lot of Disney memorabilia, clothing, and souvenirs similar to those offered at the parks. The only difference is you'll pay much less at these stores than on Main Street.</p> <h2>3. Use the Disney Credit Card</h2> <p>Disney offers a <a href="http://www.wisebread.com/which-disney-credit-card-is-best-for-you">Disney credit card</a> without an annual fee. Having it allows you to access to a special character meet-and-greet area. This card can also offer you discounts on Disney purchases, as well as special rewards for Disney spending.</p> <h2>4. Get a Multiday Pass</h2> <p>If you're going to experience Disneyland, <em>really </em>experience it. A one-day ticket for just Disneyland can cost $95-$119 per adult, depending on the day you go. However, a three-day park hopper ticket costs $295 per adult, which allows you to visit both Disneyland and California Adventure, as well as expand your trip over three days.</p> <h2>5. Go Offseason</h2> <p>Not only are offseason tickets lower in price, but it's also a more enjoyable time to go. Check the <a href="http://www.isitpacked.com/disneyland-crowd-forecast-predictor-calendar/">Is It Packed? calendar </a>to get a better idea of when to visit. Try to pick a &quot;ghost town&quot; day to really enjoy the park.</p> <h2>6. Consider the Season Pass</h2> <p>The season pass prices start at $329 per person and grant admission to both parks for the full year. With the lowest level of the season pass, there are quite a few blackout days. However, if you visit the park at least four days, you would have already saved money. I live an hour and a half away from Disneyland, and I know many families that take advantage of this deal, usually going once or twice a month. For the Disney lover, season passes are a great deal, but if you're on a strict budget, the season pass might not be for you. Not only will you have the cost of the passes, but you must also factor in gas, parking, and food expenses as well.</p> <h2>7. Bring a DIY Autograph Book</h2> <p>Autograph books are a lot of fun for kids. You can either find a discounted Disney autograph book, or you can make your own. You can even find a small, cute notebook at the dollar store and decorate it with Disney stickers.</p> <p>If you are a little more tech-savvy, you can collect signatures on an iPad or tablet device with a touch screen pen. This will then allow you to upload them alongside pictures from your trip into a digital file that you can then use to create your own Disney scrapbook.</p> <h2>8. Buy a Photopass or Use Photopass Photographer</h2> <p>We opted into getting the Photopass day pass for $39, so that we didn't have to lug our camera around. It was extremely convenient, and now we have over 30 pictures from our special trip available to download. You can also choose to skip the pass and just ask the photographers in the Photopass locations to take your photo for you with your phone or camera.</p> <h2>9. Download the Disneyland App</h2> <p>The free Disneyland app is extremely useful to use in the park. It will tell you the wait times of rides and attractions, as well as show you locations of characters and Photopass spots.</p> <h2>10. Bring Your Own Snacks</h2> <p>The rules of outside food and drinks is not the clearest, however, my diaper bag of snacks and water were not looked down upon when we went. Disneyland is very accommodating for individuals with special dietary needs. Bring your own water bottles and light snacks, and if you're hungry for more, just leave the park for a bit and eat at a nearby restaurant.</p> <h2>11. Stay in a Budget Hotel</h2> <p>The hotels closest to the park are pricey, but there are many other affordable hotels within a five-mile radius. Most also offer affordable shuttle rides to the park so you can avoid paying for parking.</p> <h2>12. Pay With Disney Gift Cards</h2> <p>Paying with Disney gift cards will allow you to save more on ticket prices, souvenirs, and food at the park. You can even find Disney gift cards for up to 9% off at <a href="https://www.giftcardgranny.com/buy-gift-cards/disney-store/">Gift Card Granny</a>.</p> <h2>13. Use a SoCal City Pass</h2> <p>The <a href="http://www.citypass.com/southern-california">SoCal City Pass</a> is a great deal for $341 per adults. The pass includes three-day admission to both Disney parks, as well as admission to SeaWorld and Legoland.</p> <h2>14. Special Discounted Tickets</h2> <p>Disneyland offers special ticket discounts to several different groups of people, including active military, teachers, credit union members, and even college students. Check with your place of employment to see if you can buy discounted tickets. Through my husband's work benefits, we are able to save $10 per ticket.</p> <h2>15. Take Kids Before Three</h2> <p>Kids under three years old can visit for free, and this goes for one-day tickets and annual pass holders alike. My friends have twin daughters, and they took advantage of owning season passes before their daughters turned three. Therefore, every time they went, it cost about $35&ndash;$50 per trip, factoring in how often they went and the extra gas they had to pay for.</p> <p><em>How do you save money at Disneyland? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F15-little-known-ways-to-save-at-disneyland&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland.jpg&amp;description=15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/15%20Little%20Known%20Ways%20to%20Save%20at%20Disneyland.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-15-road-trip-snacks-make-it-all-about-the-journey">These 15 Road Trip Snacks Make It All About the Journey</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family Travel Disney Disneyland family fun family vacation saving money saving money at disneyland savings hacks Thu, 11 Aug 2016 10:00:07 +0000 Ashley Eneriz 1766248 at http://www.wisebread.com 7 Apps That Make Budgeting Fun — No Really! http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-make-budgeting-fun-no-really" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87637919_LARGE.jpg" alt="making budgeting fun with these apps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Budgeting is not just essential for those who are trying to squeeze two pennies out of one. Tracking expenses and setting spending and savings goals is beneficial for anyone &mdash; no matter the amount of your paycheck.</p> <p>However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. (See also: <a href="http://www.wisebread.com/one-simple-thing-you-can-do-to-start-budgeting-today?ref=seealso">One Simple Thing You Can Do to Start Budgeting Today</a>)</p> <h2>1. Pennies</h2> <p>One of the best things about using Pennies for iOS is that it allows a lot of flexibility. Many people do not work with a set salary and do not know their paycheck amount each pay period. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.</p> <p>Another benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges.</p> <p>($1.99<a href="https://itunes.apple.com/app/apple-store/id916741290?mt=8"> iOS</a>)</p> <h2>2. Prosper Daily</h2> <p>How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. The app also connects to financial accounts and tracks spending effortlessly. There is no need to document every expenditure.</p> <p>Another benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone.</p> <p>Note: Prosper Daily used to be known as &quot;BillGuard.&quot;</p> <p>(Free<a href="https://itunes.apple.com/us/app/billguard-money-tracking-credit/id602710567?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en"> Android</a>)</p> <h2>3. CoinKeeper</h2> <p>The envelope system of budgeting is clever, but it can be such a hassle to use. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget.</p> <p>(Classic version $5.99<a href="https://itunes.apple.com/us/app/coinkeeper-classic-personal/id471262606?mt=8"> iOS</a>, Free version<a href="https://itunes.apple.com/us/app/coinkeeper-personal-finance/id849747345?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.disrapp.coinkeeper.material&amp;hl=en"> Android</a>)</p> <h2>4. Digit</h2> <p>Waiting until the end of the month to deposit leftover money into a savings account is unwise. Usually, there is no money left by the end of the month. Instead, use an app like Digit to sock away a little bit of money throughout the month.</p> <p>The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5&ndash;$50 every two to three days to that user's savings account. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member.</p> <p>See also: <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=seealso">11 Budgeting Skills Everyone Should Master</a></p> <p>(Free<a href="https://digit.co/"> iOS</a>)</p> <h2>5. Toshl</h2> <p>Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.</p> <p>(Free<a href="https://itunes.apple.com/app/toshl-finance/id921590251?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.thirdframestudios.android.expensoor"> Android</a>)</p> <h2>6. BUDGT</h2> <p>Don't let variable income keep you from keeping track of how much you make and how much you spend. BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. The best part is that the app is simple and easy to use. It might take a few days to get into the habit of inputting your expenses, but once you get used to it, it can be a healthy habit to transform your spending.</p> <p>($1.99<a href="https://itunes.apple.com/us/app/budgt/id580812126?mt=8"> iOS</a>)</p> <h2>7. Mvelopes</h2> <p>Similar to CoinKeeper, Mvelopes is a digital version of envelope-based budgeting. The free version can be downloaded on iOS and Android phones, but to get the full, deluxe version, there will be a one-time $95 cost. It will take a little bit of learning time to get into the method of zero-based budgeting. The idea behind this way of budgeting is that every dollar has a designation. This prevents money from being spent thoughtlessly.</p> <p>If you look at your bank account at the end of the month and see an extra $50, you might mistake it as &quot;free&quot; money and spend it foolishly. With an envelope system, that $50 would have been categorized into savings or even designated towards books or clothing. It is important to give your money a job, or it will be useless to you.</p> <p>The best budgeting app is the one that is used. If you are serious about making budgeting a regular habit, then you need to find the right tool to work for you. Everyone is different, so if the first app you try doesn't fit your needs or tastes, don't worry. Just try something else.</p> <p>(Free <a href="https://itunes.apple.com/us/app/mvelopes-budget-app-envelope/id417933753?mt=8">iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.finicity.mvelopes&amp;hl=en"> Android</a>)</p> <p><em>What is your favorite budget app to use? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">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-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your 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/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</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-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps managing money money management phone phone apps saving money smartphone Wed, 10 Aug 2016 09:00:10 +0000 Ashley Eneriz 1769235 at http://www.wisebread.com The 5 Best Apps for Busy Working Parents http://www.wisebread.com/the-5-best-apps-for-busy-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-apps-for-busy-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_baby_phone_43606458.jpg" alt="Mom using apps for busy working parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working parents need to maximize their time in order to be most efficient. These apps will help working moms and dads better manage kids' routines, plan family outings, and manage family budgets effectively.</p> <p>See also: <a href="http://www.wisebread.com/10-fun-money-apps-for-kids?ref=seealso">10 Fun Money Apps for Kids</a></p> <h2>1. Happy Kids Timer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidTimer_02.PNG" width="605" height="340" alt="" /></p> <p>Having a hard time keeping kids on schedule, especially in the mornings? <a href="http://www.kidssmartzone.com/">HappyKidsTimer</a> is an app your kids use to help them manage their daily morning routines, like making their beds, getting dressed, brushing their teeth, and so forth. The app features timers and fun incentives to help your kids get on their way.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids?ref=seealso">10 Basic Manners You Must Teach Your Kids</a></p> <h2>2. KidsEatFree</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidsEatFree.PNG" width="340" height="605" alt="" /></p> <p>Busy parents often don't have time to cook &mdash; and dining out with the whole family gets expensive, fast. Restaurateurs have responded with a variety of kids eat free promotions. Too many, in fact, for busy parents to track. <a href="https://itunes.apple.com/us/app/kids-eat-free-restaurant-finder/id933114765?mt=8">KidsEatFree</a> is the free app that helps you find free kids' meals nearby, keeping your family on time &mdash; and on budget.</p> <p>Available for iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a></p> <h2>3. Mint.com</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Mint_AppStore.jpeg" width="341" height="605" alt="" /></p> <p>Speaking of budgets, busy parents need to manage their family's money while they are managing the kiddoes. <a href="https://www.mint.com/">Mint.com</a> remains the gold standard free app for tracking all your spending, paying bills, setting and tracking budgets, and monitoring overall net worth.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances?ref=seealso">These 5 Apps Can Fix Your Finances</a></p> <h2>4. VarageSale</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/VarageSale_01.PNG" width="340" height="605" alt="" /></p> <p>If you're keen on sticking to your budget, <a href="https://www.varagesale.com/">VarageSale</a> is great for connecting busy parents with others who want to buy or sell used family and children goods. You can make extra cash off your used stroller or crib &mdash; or you can pick up gently used ones for a great price. Look at all the cute outfits!</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale?ref=seealso">How to Sell Your Kids' Stuff at a Consignment Sale</a></p> <h2>5. Trekaroo</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trekaroo.PNG" width="340" height="605" alt="" /></p> <p>Finally, even the busiest, most goal-directed families need some downtime. <a href="http://www.trekaroo.com/">Trekaroo</a> helps hardworking parents plan and budget family outings &mdash; everything from faraway vacations to local day trips. The app finds kid-friendly activities when and where you need them. Even better, each destination includes reviews from other busy parents who've already been, so you can get the inside scoop way before you get there.</p> <p>Available for Android and iOS.</p> <p><em>What are your go-to apps for managing life with kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <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-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You 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/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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps budgeting managing money money management parenting phone phone apps productivity saving money smartphone Tue, 09 Aug 2016 11:00:11 +0000 Janet Alvarez 1768674 at http://www.wisebread.com How to Put Your Spouse on a Budget Without Ruining Your Marriage http://www.wisebread.com/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/husband_wife_high_five_91622835.jpg" alt="Woman putting her spouse on a budget without ruining marriage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The quickest way to sour a marriage is to nag your spouse about money and try to control every cent they spend. However, keeping mum about your finances can lead you and your spouse into a lot of debt or overall poor finances. Here are ways to get your spouse on a budget, without ruining your marriage.</p> <h2>Counseling Is Okay!</h2> <p>Many couples make the mistake in thinking that marriage counseling is only for marriages that are in trouble. However, counseling can be a helpful tool even when your marriage is healthy. Having a mediator help you navigate financial woes can even be desirable, so that both you and your spouse feel like they are heard.</p> <p>To seek out counseling for your finances within marriage, you can talk with a financial adviser that has your best interest in mind, a marriage and family therapist, a pastor, or even an older couple who you consider wise and financially stable. It might seem embarrassing to reach out for help, but it could be the wisest step to keeping your marriage and finances strong.</p> <h2>Set Up Budget Dates</h2> <p>Just as you would set up regular date nights, set up monthly budget dates. Treat your spouse to their favorite coffee drink and discuss the numbers for the month, as well as goals for the next month.</p> <p>Budget dates should not be a time where you point the finger. It should be a time for mutual discussion and growth. Depending on which financial area your spouse is in charge of, ask for their feedback. For example, if your spouse does the grocery shopping, did they feel like they had enough money that month or was it too tight? If your spouse is requesting more money for the grocery budget, you can decide together what to cut to accommodate.</p> <p>Sometimes it is a good idea to invite your children to these meetings, especially if they are older than 10. Kids need to see the &quot;why&quot; behind the reasons they can't go to camp all summer long or get everything they want. Also, allowing your kids see and experience how you budget successfully only sets them up for budgeting success later on.</p> <p>See also: <a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married?ref=seealso">8 Things I Learned About Money After Getting Married</a></p> <h2>Find What Inspires Them</h2> <p>Sometimes it can be hard to scrimp and sacrifice just for the sake of saving money. We all need a purpose to have the motivation to work at something. Whether it's for the dream vacation or just finally being able to live debt-free, find the goals that both of you want to achieve and set the budget that will make it happen. Show that if you both tighten up your spending and stay the course, the reward will be waiting at the finish line.</p> <h2>Keep Things Fun</h2> <p>Find ways to lighten things up and make staying on budget fun, so it doesn't get tedious or simply boring. You don't have to wait until you've saved enough for the dream vacation to enjoy a reward for your hard work. Add milestones along the way that allow the two of you to celebrate. Turn it into a game to see who can find the best deals or other challenges that keep both of you interested. Don't forget about creative ways to make extra money, too. Perhaps you two can do something together that will earn extra cash.</p> <h2>Practical Tips to Get Your Spouse on a Budget</h2> <p>So far, the marriage budgeting tips have been about the mentality behind savings. Once you get your spouse on board with your budget, then use these practical tips to stay successful.</p> <ul> <li>Budget for you and your spouse to have &quot;mad money&quot; each month. This can be $25 or $500, depending on your budget. However, this money can be spent however your spouse wants. This allows both of you to spend on yourselves without guilt.<br /> &nbsp;</li> <li>Use an easy-to-use budgeting app that connects to your accounts and syncs with each of your phones. Encourage your spouse to look at it and track spending daily.<br /> &nbsp;</li> <li>Have savings taken out automatically. If you wait until the end of the month to put money into savings, you might find you end up short each month. Make savings a priority or take advantage of debit cards that round up purchases and deposit the extra into your savings account.<br /> &nbsp;</li> <li>Stop using credit cards if they are too hard to control. Taking them away for a few months can help you get back on track.</li> </ul> <h2>Separate Accounts</h2> <p>Separate accounts can be useful for managing expenses and ensuring there's no opportunity to overdraw for a budget. If you split the financial responsibilities of a household, it makes sense to manage your own accounts for your assigned budgets. Just make sure there's accountability and transparency.</p> <p>Marriage is hard, and budgeting is just as difficult. Put them both together, and you could have a recipe for disaster. It's important to be open and honest so that you don't end up in a financial disaster.</p> <p><em>How do you and your spouse stay on a budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-married">5 Money Moves to Make the Moment You Decide to Get Married</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-regular-budget-meetings-might-save-your-marriage">6 Ways Regular Budget Meetings Might Save Your Marriage</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting Family agreements bank accounts compromise counseling marriage paying bills relationships spending spouse teamwork Tue, 09 Aug 2016 09:00:09 +0000 Ashley Eneriz 1767118 at http://www.wisebread.com These 15 Road Trip Snacks Make It All About the Journey http://www.wisebread.com/these-15-road-trip-snacks-make-it-all-about-the-journey <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-15-road-trip-snacks-make-it-all-about-the-journey" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_90996541_MEDIUM.jpg" alt="delicious road trip snacks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As children of the '60s, my husband and I spent a lot of time in hot station wagons on car trips. Stopping for gas meant gas only, not junk food, and a trip to the bathroom. Eating out was rarely an option. Instead, we were fed car snacks, and occasionally had a picnic lunch. To this day, on even short trips, my husband and I pack food for the road.</p> <p>My mother elevated road trip food to an art form, using a special picnic basket, and whipping up special foods we didn't usually just have around the house. My dad would find nice spots to stop and picnic so the trip was broken up into pleasant outings.</p> <p>You'll want to pack small ice chests with blue ice blocks to store water, other beverages, any perishable snacks, and wet washcloths, packed in a sandwich bag (nice for cooling off or a good wiping down). Stay away from greasy or oily foods, which are not only messy, but may upset stomachs. Also, avoid foods and drinks that stain if spilled.</p> <p>Here are 15 delicious, frugal road trip snacks to keep you going.</p> <p>See also: <a href="http://www.wisebread.com/7-travel-hacks-for-an-affordable-summer-road-trip?ref=seealso">7 Travel Hacks for an Affordable Summer Road Trip</a></p> <h2>1. Homemade Trail Mix</h2> <p>Sure, you can buy it all pre-mixed, but why not make it yourself and save some money? &quot;Classic&quot; trail mix usually contains cashews, peanuts, almonds, raisins, and M&amp;M's. Before buying all of those ingredients, though, check your pantry for dried fruit, other nuts, and cereal. You might as well use those up. If nuts or cereal are a little stale, just toast in a low oven (200&ordm;F) for about 10 minutes to crisp them up. Nice additions are craisins, coconut pieces, crackers, and pretzels.</p> <h2>2. Energy Bars</h2> <p>These <a href="https://www.hawaiianelectric.com/recipes/find-a-recipe/energy-bars">energy bars</a>, which are extremely popular in Hawaii, travel well and aren't messy like traditional crumbly granola bars. Store the bars individually in waxed paper; twist the ends to seal.</p> <h2>3. Fruit</h2> <p>Select fruit that travels well. This rules out peaches, nectarines, and bananas. Stick to apples, grapes, clementines, oranges, and other nonstaining, non-smelly, and non-sticky fruits.</p> <h2>4. Veggies</h2> <p>You'll feel pretty virtuous if you snack on veggies while you cruise the highway. Good travelers are: baby carrots, snap peas, celery sticks, and even radishes. Wash and pack into small plastic bags; store in the ice chest to keep them more refreshing and crispy.</p> <h2>5. Nuts</h2> <p>Nuts are a great snack for road trips, but you'll pay more if you buy them in individual packages or cans. Make your own <a href="http://markbittman.com/roasted-nuts-so-easy-so-good/">roasted, salted nuts</a> and pack into small snack-sized bags. I like the addition of curry powder, or cumin and red pepper flakes.</p> <h2>6. Snack Mix</h2> <p>My mother cranked this classic <a href="http://allrecipes.com/recipe/87605/original-chex-party-mix/">snack mix</a> out at regular intervals (in the oven, though, not the microwave). I still love it. Try substituting goldfish crackers for the bagel chips, and toss in some oregano. Great stuff.</p> <h2>7. Cheese</h2> <p>Was string cheese developed for road trips? It's such a perfect car snack. Keep it frugal by buying the large bags, not the individual sticks.</p> <h2>8. Soup</h2> <p>Mom filled a large thermos with soup when we were heading someplace chilly. I recommend pulling the car over for a soup break, lest you burn yourself or make a mess. Some of my mom's tried-and-true were <a href="http://allrecipes.com/recipe/13041/my-best-clam-chowder/">clam chowder</a>, <a href="http://www.tasteofhome.com/recipes/old-fashioned-turkey-noodle-soup">turkey noodle</a>, and <a href="http://www.bettycrocker.com/recipes/split-pea-soup/6fe46425-366d-4c2f-b68c-1dc824391f60">split pea</a>. She'd bring along breadsticks, too, to round things out.</p> <h2>9. Sandwiches</h2> <p>I don't like sandwiches on road trips, normally, because they tend to get mushy and I have a phobia about that. There is one exception, though: peanut butter sandwiches. Don't be feeding kids egg salad or tuna unless you want to ride the vomit comet.</p> <h2>10. Animal Crackers</h2> <p>I love these, in their colorful, tiny circus-print boxes. They still entertain me, and they are cholesterol-free.</p> <h2>11. Jerky</h2> <p>Pack beef, turkey, or even fish jerky for a non-messy, high-protein treat.</p> <h2>12. Muffins</h2> <p>Either made sweet or savory, muffins are portable and low on the &quot;messiness&quot; scale. These <a href="http://allrecipes.com/recipe/222601/zucchini-chocolate-chip-muffins/">zucchini-chocolate chip</a> muffins will be a hit.</p> <h2>13. Popcorn</h2> <p>Popcorn has one disadvantage: You'll need to vacuum after the trip. However, it's crunchy and delicious. Try gussying it up with this <a href="http://www.rachaelray.com/recipes/black-pepper-and-parm-cheesy-popcorn">black pepper and parm recipe</a>.</p> <h2>14. &quot;Fried&quot; Chicken</h2> <p>Because it's <a href="http://www.bettycrocker.com/recipes/oven-fried-chicken-tenders/46a69e4d-4c31-485b-9d43-67d40b353f2e">oven-baked</a>, it meets my road trip non-greasy criteria. Bake the night before and chill.</p> <h2>15. Pinwheels</h2> <p>These <a href="http://www.julieseatsandtreats.com/tortilla-pinwheels/">tortilla pinwheels</a> pass the road test because they are a perfect bite size. They're also non-messy and non-greasy.</p> <p><em>What else makes for a great road trip snack? Share with us!</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthese-15-road-trip-snacks-make-it-all-about-the-journey&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThese%2015%20Road%20Trip%20Snacks%20Make%20It%20All%20About%20the%20Journey.jpg&amp;description=These%2015%20Road%20Trip%20Snacks%20Make%20It%20All%20About%20the%20Journey" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/These%2015%20Road%20Trip%20Snacks%20Make%20It%20All%20About%20the%20Journey.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/these-15-road-trip-snacks-make-it-all-about-the-journey">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-13"> <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-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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year">How to Save an Extra $1,094.86 a Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-little-known-ways-to-save-at-disneyland">15 Little Known Ways to Save at Disneyland</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/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Budgeting Food and Drink Travel road trip road trip snacks saving money snacks travel hacks Fri, 05 Aug 2016 10:30:07 +0000 Marla Walters 1766247 at http://www.wisebread.com