Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 23 Frugal Living Resolutions Anyone Can Master http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-frugal-living-resolutions-anyone-can-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/charity_fund_coins_495493374.jpg" alt="Finding frugal living resolutions anyone can master" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ooooooooh! I love a good challenge, don't you?</p> <p>Every year, 50% of Americans make a New Year's resolution. But each year, 88% of New Year resolvers fail to meet their goals. How is that possible? And how can we beat that disheartening statistic?</p> <h2>Do Less, More Often</h2> <p>The problem with most resolutions isn't too little willpower, but too much abstraction. Most people choose a gigantic, but vaguely defined, goal to achieve. Too many moving parts, mission creep, a steep learning curve; these things are obstacles to attaining goals. The key to success is to make the goal a small, but achievable habit. To quote Tim, my yoga teacher: &quot;Do less, more often.&quot;</p> <p>For example, I am currently trying to lose the 15 pounds I packed on this past year while recovering from an ankle injury. If I want to be successful in my goal to lose weight, my New Year's resolutions should not be, &quot;Get back in shape.&quot; That's a huge and amorphous mandate. Instead, my New Year's resolution should be a tiny daily habit like, &quot;Jump rope for 20 minutes every morning before breakfast.&quot;</p> <p>Plot twist: My New Year's resolution isn't actually about losing weight. My resolution this year, as it is every year, is to save more money.</p> <h2>Choose a Resolution That Requires No Talent</h2> <p>&quot;Save more money&quot; is about as undefined and unwieldy as you can get with a New Year's resolution. There are so many things that can <a href="http://www.wisebread.com/my-2016-budget-challenge-everything-breaks" target="_blank">throw a wrench into your plans</a> and destroy your motivation to save in the course of 12 months. Trust me, this resolution is dumb.</p> <p>If you want to grow your savings, simplify your life, or just live a little lighter on the planet, here's a list of simple, frugal living resolutions that require no talent.</p> <h2>1. Don't Drive Like a Jerk</h2> <p>It was a word problem on a 7th grade algebra exam that taught me that speeding wastes money. Aggressive driving (speeding, rapid acceleration and braking) can lower your gas mileage by up to 33%. Stop speeding and practice hypermiling instead.</p> <h2>2. Carpool</h2> <p>My husband saves thousands of dollars each year by carpooling to work. But don't limit your carpooling to just your daily work commute. You can save a ton of money by using a rideshare service to carpool home for the holidays or to a cultural event in another city. My awesome neighbor Patria and I carpool our errands at least once a week. It saves time, money, wear and tear on the car, and makes boring trips to the post office way more fun.</p> <h2>3. Go Carless for Short Trips</h2> <p>I try to walk, bike, or take public transportation to all events within a three-mile radius of my house. This habit saves me on gas money and allows me to avoid a costly gym membership. The hardest part about this practice is the time management. I no longer have to schedule around my workout, but it takes me much longer to get to the grocery store.</p> <h2>4. Stop Paying to Park</h2> <p>The hardest thing about driving in Los Angeles is not the traffic, but the parking. The city makes up its budget shortfall by aggressively doling out parking tickets, which start at $35 and go up from there. Parking signs are notoriously difficult to parse, of course.</p> <p>The key to saving money on parking is to give yourself extra time to find a free or cheap parking spot, so schedule that into your day. Also, there have been manifestos written about how to park on a budget in LA. I am sure <a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city" target="_blank">parking apps and maps</a> exist in other cities, too.</p> <h2>5. Be on Time</h2> <p>It takes absolutely no talent to be on time. There's a reason why the saying, &quot;Time is money,&quot; is a thing. Even so, American CEOs are late to 80% of their meetings. According to a survey by Proudfoot Consulting, CEO tardiness costs the U.S. economy $90 billion in lost productivity every year.</p> <p>But, even if you aren't a captain of industry, lateness is a money loser. Worst case scenario, you could get fired. As the job market becomes more competitive, more companies have decided to take a zero tolerance stance against employee tardiness. Your boss might be able to show up late, but you could lose your job.</p> <p>Also, being chronically late says a lot about you, and none of it is good.</p> <h2>6. Get Rid of 10 Things a Day</h2> <p>Clutter will keep you poor and drive you crazy. My November 1, 2001 Resolution was <a href="http://www.wisebread.com/do-this-one-thing-a-day-to-defeat-clutter-forever" target="_blank">Get Rid of 10 Things a Day</a>. I keep clutter at bay by removing 10 things from my home every day. That comes to 300 things per month, or 3,650 things per year, that leave my house. A thing can be as big as a car or as small as a safety pin. I can trash, donate, or recycle a thing. As long as the item physically leaves my house, I can count it as part of my 10 things.</p> <h2>7. Mari Kondo Your Home</h2> <p>Japanese organizing guru <a href="http://amzn.to/2ieBLPM" target="_blank">Mari Kondo</a> has taken the world by storm with her very simple method of managing clutter: Only keep the things that bring you a spark of joy. (Anything that doesn't bring you a spark of joy gets tossed.)</p> <h2>8. Downsize Your Storage</h2> <p>If your goal this year is to downsize, you should definitely start by emptying your storage.</p> <p>If you have ever watched <em>Storage Wars</em>, then you already know that most people pay a lot of money to store a lot of worthless crap. Personal storage is a <a href="http://www.wisebread.com/5-ways-self-storage-units-are-more-sad-museums-than-savvy-solutions">huge money drain</a>. Do the math. It might actually be cheaper to buy and then sell seasonal items like sleds and garden tools each year rather than paying to store them during the offseason.</p> <h2>9. Join the Compact (Buy Nothing New for One Calendar Year)</h2> <p>I <a href="http://www.wisebread.com/how-i-saved-30000-and-helped-the-earth-at-the-same-time" target="_blank">joined The Compact</a> in 2007 out of green guilt. Almost 10 years later, I am still a subscriber to this conservation movement. In addition to helping me live a more environmentally sustainable life, it has also helped me save over $30,000. Also, it's a super fun challenge that has taught me so much about myself!</p> <p>The core idea behind The Compact is to lighten your environmental impact on the planet by reducing the number of virgin resources you take out of it. You achieve this by agreeing to step off the consumer grid and buy nothing new for one calendar year, save for necessities like food, medication, and safety supplies.</p> <p>While buying nothing new sounds like deprivation, it's really more like a treasure hunt, because you can buy anything you want used. Under Compact rules, you could buy vintage furniture, or used clothes, or even a classic automobile, because none of these items are new.</p> <p>It's a super simple idea that runs deceptively deep, as sourcing used goods upends modern life's push for instant gratification.</p> <h2>10. Create a Capsule Wardrobe</h2> <p>While fashion bloggers on Pinterest and Tumblr might lead you to believe that a capsule wardrobe is all about shopping for the perfect minimalist wardrobe, I would argue that those people are doing it wrong. A true capsule wardrobe is a tightly edited collection of <a href="http://www.wisebread.com/build-a-work-wardrobe-for-any-job-on-a-budget" target="_blank">garments that fit your lifestyle</a>, year-round.</p> <p>A capsule wardrobe shouldn't be about perfection, but about creativity and practicality. How many outfits can you create out of the smallest number of garments?</p> <p>Since most people only wear a fraction of the clothes in their closets, downsize to the favorite items you wear over and over and get rid of everything else. Replace only your favorite garments when they wear out. Your new, smaller wardrobe will save you money and time.</p> <h2>11. Shop in Your Own Home First</h2> <p>Before you make a purchase, search your home first for an alternative that you can use instead. Can you make do with a navy blue dress instead of a little black dress? Can you learn how to cook on the stovetop instead of replacing your broken microwave with a new one? For the love of all that is good and beautiful, can you watch an instructional video to learn how to make your own fancy coffee at home for 10 cents versus buying it for $2.00?</p> <h2>12. Be a Part-Time Vegetarian</h2> <p>Meat costs a lot of money and is hard on the planet. The <a href="http://www.meatlessmonday.com/the-global-movement/" target="_blank">Meatless Monday Movement</a> found that by cutting meat consumption to just one day a week saved participating families $80 per month on their grocery bills. Save even more by going meatless several days a week.</p> <h2>13. Eat Your Leftovers!</h2> <p>My sister and I grew up eating last night's dinner leftovers for breakfast. In addition to cutting food waste, eating leftovers also sped up the morning schedule because on most days, we didn't even bother reheating the food. This weird, frugal hack has saved my sister and I a small fortune in food costs.</p> <p>A lot of people who hear about our dinner for breakfast habit are grossed out. Of course, these same people probably have no problem with eating dinner for breakfast as long as they pay a lot of money for steamed table food and call it brunch.</p> <p>If dinner for breakfast doesn't float your boat, make <a href="http://www.wisebread.com/thursday-night-soup-delicious-soup-from-leftovers" target="_blank">Thursday Night Soup</a> out of your kitchen scraps to stretch your grocery budget and keep your fridge compost-free.</p> <h2>14. Bring Your Lunch to Work</h2> <p>My husband has saved over $2,500 this year just by bringing his lunch to work instead of going out to eat. My husband doesn't feel deprived or shamed by his brown bagging. A<a href="http://www.wisebread.com/25-great-non-sandwich-work-lunches" target="_blank"> brown bag lunch</a> doesn't have to be boring. My husband takes great pleasure in preparing elaborate meals for himself that cost pennies.</p> <p>Alternately, if you have a favorite food, eating the same lunch every day can be a comforting ritual that saves a lot of time. Jennifer Aniston and Courteney Cox famously ate the <a href="http://www.self.com/story/jennifer-aniston-and-the-friends-ladies-ate-this-salad-every-day-for-10-years" target="_blank">same salad</a> for lunch for 10 years. My mother, who is an excellent cook, loves peanut butter and jelly sandwiches so much, that she has special refillable tubes that allow her to take her favorite lunch ingredients with her when she goes camping. Eating the same lunch each day also makes it easy to save money on groceries. You can budget down to the penny what your lunch costs and buy the ingredients when they go on sale.</p> <h2>15. Use Less</h2> <p>This one is easy. Just use less. If you use half the amount of detergent, will your clothes still get clean? Can you split an entree at dinner with a friend and still feel full? What would happen if you just lathered and rinsed, but didn't repeat?</p> <h2>16. Save Water</h2> <p>Is your water bill sky high or would you just like to do your part to preserve the water table? It's time to plan out your <a href="http://www.wisebread.com/50-ways-to-save-water" target="_blank">water-saving plan</a>.</p> <h2>17. Save Electricity</h2> <p>Turn off those lights! Make these <a href="http://www.wisebread.com/8-ways-youre-wasting-electricity-without-realizing-it" target="_blank">energy-saving strategies</a> part of your daily life and save big.</p> <h2>18. Cut Down on Your Trash</h2> <p>The average American generates 4.4 pounds of trash per person, per day. You can do better! Here are <a href="http://www.wisebread.com/12-ways-to-cut-down-on-garbage-and-save-money-too" target="_blank">12 ways to cut down on garbage</a> and save money (and your sanity, too).</p> <h2>19. Recycle</h2> <p>Before I was old enough to legally work, I earned pocket money by collecting bottles and cans and recycling them for money. As an adult, I still make several hundred dollars a year recycling the bottles and cans that my wino neighbors throw onto the parkway. Yes. It might be embarrassing to cruise target-rich public areas like fraternity row or the trash cans outside your local concert venue for recyclables. But, if you are scrambling to make ends meet, consider the cost of your vanity. There's at least one Los Angeles family that <a href="http://abcnews.go.com/2020/story?id=1787254&amp;page=1#.UU6Z1I73BdQ" target="_blank">sent their three kids to college</a> with the money they made collecting bottles and cans.</p> <p>Recycling is obviously good for the wallet. But, if you already recycle for the money, consider recycling items that don't offer a rebate for the sake of the planet. An increasing number of companies are now offering <a href="https://www.terracycle.com/en-US/brigades" target="_blank">free recycling</a> for their packaging.</p> <h2>20. Keep Making Payments</h2> <p>My husband and I finally paid off our home equity line of credit! We've been making the $423 payments each month for over a year now, and we intend to continue paying the $423&hellip; but as extra principal payments on our home mortgage. Since we're used to covering the $423, we won't even notice a difference in our budget.</p> <h2>21. Collect the Change</h2> <p>Every time you get a $5 bill, put that money into your savings account. If your budget won't permit $5 increment savings, put your spare change into a piggy bank at the end of each day. Either way, your savings will pleasantly surprise you at the end of the year.</p> <h2>22. 52-Week Challenge</h2> <p>This savings strategy has a slow roll out, but strong payout. Every year is divided into 52 weeks. On week one, put $1 into your savings account. On week two, put $2 into your savings account. On week three, save $3. You get the idea. The largest weekly deposit you will have to make is $52. At the end of the year you will have saved $1,378!</p> <h2>23. Learn and Practice One New Skill</h2> <p>I didn't become a ninja saver overnight. Every year I try to master one new skill that will make or save me more money. One year, my friend Carol Ann taught me how to can my cranberry jam, and now I own an artisanal food company. This last year I learned how to forage for edible plants in my own backyard to save money on fresh produce. Years ago I taught myself how to sell online on Etsy and eBay. Each year I <a href="http://www.wisebread.com/from-dumpster-diving-to-garage-sales-turning-trash-into-cash" target="_blank">make at least $1,000 </a>selling trash picked items that I have literally pulled out of the garbage, for cash.</p> <p>In 2017, I am going to learn how to refinish wood furniture like a pro. With the help of my friend Kirk, a retired painting contractor, I am currently refinishing an original Jens Risom coffee table that was purchased for $3 at a garage sale and hidden under layers of paint. Modern reproductions of this same table sell for over $3,000 and originals in pristine condition go for even more.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F23-frugal-living-resolutions-anyone-can-master&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master.jpg&amp;description=23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master" 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/u5180/23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master.jpg" alt="23 Frugal Living Resolutions Anyone Can Master" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-restart-your-resolutions-this-spring">5 Ways to Restart Your Resolutions This Spring</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Lifestyle budget challenges cleaning downsizing goals new year's resolutions resolutions saving money Thu, 29 Dec 2016 10:00:21 +0000 Max Wong 1864429 at http://www.wisebread.com Why a Mobile Home May Be Your Best Option for Affordable Housing http://www.wisebread.com/why-a-mobile-home-may-be-your-best-option-for-affordable-housing <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-a-mobile-home-may-be-your-best-option-for-affordable-housing" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mobile_homes_street_184625427.jpg" alt="Learning why a mobile home is the most affordable option" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Homeownership has long been part of the American dream. But if you want to become a homeowner, the average house in the U.S. these days <a href="http://www.zillow.com/home-values/">costs about $191,200</a>. If you have a lower salary or have student loan debt, finding a home you can afford, and convincing a lender to give you a mortgage, can be challenging. For many, homeownership is just not feasible &mdash; at least, homeownership as we traditionally think about it.</p> <p>But if you're willing to consider nontraditional approaches to housing, you can become a homeowner at a fraction of the cost.</p> <p>Manufactured homes, often derisively described as trailer homes, have come a long way from even 10 years ago. Today, modern manufactured homes are luxurious, well-made, and spacious. And, you can become a homeowner for less than you'd spend on a down payment on a traditional home.</p> <h2>Modern Manufactured Homes</h2> <p>Unlike traditional houses, manufactured homes are usually built off-site, then pieced together on their new owner's lot. They can be built into the foundation, but most are able to be moved, if the owner decides to relocate.</p> <p>Today's models are sturdy and are meant to be full-time residences. While you can find tiny one-bedrooms, they also come in three and four-bedroom deluxe versions that can accommodate larger families.</p> <p>If you're looking for upgrades, modern manufactured homes have them. New models typically have large, open floor plans, granite counter tops, stainless steel appliances, and giant soaking tubs. You can even get hardwood floors and screened-in porches. (See also: <a href="http://www.wisebread.com/these-are-the-7-features-home-buyers-want-most?ref=seealso">These Are the 7 Features Home Buyers Want Most</a>)</p> <h2>The Cost of a Manufactured Home</h2> <p>Manufactured homes can vary widely in cost, but they are much cheaper than traditional houses. As of 2013, the average cost of a new manufactured home, not including land, <a href="http://www.grissimguides.com/grrep13.htm">was $63,000</a>. But if you're willing to buy used, you can get a home for as little as $10,000.</p> <p>Today's manufactured homes are extremely energy-efficient. They often use less energy and water than other homes. In fact, the combined cost of electricity, gas, and water can be less than <a href="http://www.usatoday.com/story/money/personalfinance/2013/08/03/money-quick-tips-mobile-homes-hosuing/2610469/">$1,000 a year</a> &mdash; a significant savings over traditional homes.</p> <p>However, one thing to keep in mind when buying a manufactured home is that the cost of the unit is only part of the overall price, since you also have to pay to keep it somewhere. Some people opt to buy land for their manufactured home; others pay rent in a community.</p> <p>Communities often offer amenities like pools, fitness centers, group activities, and more. But they can range in price and quality. Rent is often between <a href="http://www.usatoday.com/story/money/personalfinance/2013/08/03/money-quick-tips-mobile-homes-hosuing/2610469/">$200 and $300,</a> but even combined with your payments for your purchase price, that's likely less than you'd spend on a mortgage for a regular home or rent on an apartment.</p> <h2>Downsides to Consider</h2> <p>Manufactured homes are dependent on their communities; where your house is can change your experience. Before deciding on a home, do your research on the park. Drive around on the weekends, on weeknights, and walk around in the evening to get a feel for the neighborhood. Try to attend community events, if possible, and talk to your neighbors about their experiences.</p> <p>And unlike regular houses, which can build equity, manufactured homes are more like cars: They're depreciating assets. If you buy new and decide to sell in a few years, you are unlikely to get what you paid for it. But that's why you can get such a great deal on a gently used unit if you are willing to buy from a previous owner.</p> <h2>Give Manufactured Homes Another Look</h2> <p>If you want to stop the rent cycle and become a homeowner, but cannot come up with the funds to buy a $200,000 home, give manufactured homes a serious look. They may be able to give you everything you're looking for &mdash; number of bedrooms, open floor plan, modern kitchen &mdash; at a much smaller price. By opening your mind to <a href="http://www.wisebread.com/5-alternative-housing-options-you-can-afford">alternative housing ideas</a>, you can get what your family wants while saving money.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/why-a-mobile-home-may-be-your-best-option-for-affordable-housing">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/5-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</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/rent-your-home-or-buy-heres-how-to-decide">Rent Your Home or Buy? Here&#039;s How to Decide</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/should-you-pay-your-mortgage-off-early">Should You Pay Your Mortgage Off Early?</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/watch-out-for-these-5-last-minute-home-buying-costs">Watch Out for These 5 Last Minute Home Buying Costs</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Real Estate and Housing affordable homes alternative housing homeownership manufactured homes mobile homes trailer parks Tue, 27 Dec 2016 11:00:06 +0000 Kat Tretina 1860479 at http://www.wisebread.com 4 New Year's Resolutions Your Pet Wants You to Make http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-new-years-resolutions-your-pet-wants-you-to-make" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_dog_pet_499423418.jpg" alt="Woman making New Year&#039;s resolutions her pet wants" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Making New Year's resolutions feels great, but let's face it &mdash; we are terrible at it. According to research by a University of Scranton, Journal of Clinical Psychology study, only 8% of people who make New Year's resolutions <a href="http://www.statisticbrain.com/new-years-resolution-statistics/">actually achieve their goals</a>. If you're like most people, your plans to go to the gym four times a week, stop wasting time on Facebook, and organize your entire home are probably going to fizzle before the end of January.</p> <p>But there is someone in your life who can help you create achievable New Year's resolutions: your pet. What Fido and Fluffy want from you in 2017 are actually things that will help to make <em>your </em>life better. So forget the usual resolutions this year, and make some resolutions that will make your pet (and you!) happy:</p> <h2>1. Go On a Daily 30-Minute Walk</h2> <p>You know that Rover loves going on walks with you, but some days, it's all you can do to walk him around the block to his favorite fire hydrant. Especially in the winter, it can be very easy to hustle through a quick walk in the cold and head back inside to your laptop and Netflix.</p> <p>But your pooch loves the daily exercise and stimulation that a long walk can offer &mdash; even in cold weather &mdash; and he's not able to understand your enthusiasm for binge-watching The Crown. A nice long walk is just what he wants, even when you want to curl up with a hot chocolate.</p> <p>Of course, a daily 30-minute walk is literally just what the doctor ordered for <em>you</em>, too. Not only does a daily walk help you maintain (or lose) weight, but such moderate exercise helps to prevent and <a href="https://www.washingtonpost.com/lifestyle/wellness/the-many-benefits-of-walking-30-minutes-a-day/2015/10/19/cf12c938-71e1-11e5-9cbb-790369643cf9_story.html?utm_term=.fdbd86286857">reduce the severity of chronic diseases</a> like high blood pressure and diabetes. In addition, the exercise and the time outside can both help to improve your mood.</p> <p>Rather than making a resolution to become a gym rat &mdash; and plunking down the gym's hefty joiner's fee and monthly membership fee &mdash; resolve to take Rover for a long walk every day, no matter the weather. You'll both be happier for it.</p> <h2>2. Take More Naps</h2> <p>Mittens may act aloof, but there is something she wishes you'd do more of: nap with her. Cats are notorious nappers (and cuddlers), and there is nothing more satisfying than taking a snooze with a purring kitty perched on your belly.</p> <p>Of course, such naps are going to do more than just make your cat happy. They will also improve your health, your mood, and your level of self-control. According to a 2011 study by the Center for Disease Control, an estimated 50 to 70 million Americans are <a href="https://www.cdc.gov/mmwr/PDF/wk/mm6008.pdf">suffering from sleep deprivation</a>. And being sleep deprived means that you are more vulnerable to chronic illnesses and more irritable, not to mention too mentally exhausted to avoid procrastination.</p> <p>So this year, commit to curling up with your cat and catching 40 winks a couple of times a week. She'll love the closeness, and you'll reap the benefits of being well-rested.</p> <h2>3. Do Less</h2> <p>Having a full social calendar can be tough on your pets. They miss you terribly when you go out in the evening, especially if you are already working long hours. They would love nothing more than to have you home and available for tug-of-war, fetch, or belly rubs most nights.</p> <p>It turns out that having a wall-to-wall schedule of events in your life isn't so great for you, either. According to Eldar Shafir and Sendhil Mullainathan, authors of the book <a href="http://amzn.to/2i7M5VV">Scarcity: The New Science of Having Less and How It Defines Our Lives</a>, you're likely to make bad decisions if you have too little free time. Here's why: Managing your time is something like packing a suitcase. If you have an empty suitcase (or an empty schedule), it's easy to add something new. But if your suitcase or schedule is full, then you have to decide what to remove in order to add a new commitment, and that can be stressful.</p> <p>The commitments that are most likely to come out of the &quot;time suitcase&quot; are the ones that don't feel urgent &mdash; like your commitment to spend time with your pets. But not only does spending time with your four-footed friends make them happier, it is also a great way to relieve your own stress. It is well documented that interaction with animals reduces tension and improves mood.</p> <p>That's not to say that you should completely clear your social calendar so you can spend every moment with Buddy and Boots. But if you resolve to do less in 2017, you can take the time to determine whether you really want to say yes to the invitations that come your way. Then you'll only agree to the ones that you really want to do &mdash; and make yourself and your pets happier.</p> <h2>4. Clean More</h2> <p>Bandit can't get on his favorite spot on the sofa because the laundry basket is in the way. Cleo's litter box has gotten so ripe she's leaving &quot;gifts&quot; on the floor beside it. They may not be able to tell you in words (although your cat's method of protest can be pretty eloquent), but your pets would love it if your house were a little cleaner.</p> <p>Tidying up would also offer a big benefit to you. According to Sherrie Bourg Carter, writing for Psychology Today, &quot;Messy homes and work spaces <a href="https://www.psychologytoday.com/blog/high-octane-women/201203/why-mess-causes-stress-8-reasons-8-remedies">leave us feeling anxious</a>, helpless, and overwhelmed.&quot; Those piles of clothes and papers overwhelm our senses and make it difficult to truly relax. That can affect everything from your mood to your ability to sleep well at night.</p> <p>Getting on a cleaning routine this year will not only help your pets to feel comfortable in your home, but it will help you feel better, too. And knowing that you can have unexpected guests drop by without worrying about the pet hair tumbleweed in the living room or the freshness of the litter box is an incredibly freeing sensation.</p> <h2>Listen to Your Pets</h2> <p>Resolutions are often grand promises to ourselves, but making small promises to our pets will actually lead to a better, healthier, and happier year. For 2017, resolve to get more purring and tail wagging from your pets, and you'll also reap the rewards for yourself.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-get-fit-with-your-dog">7 Ways to Get Fit With Your Dog</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Home Lifestyle cleaning disease reduction exercise getting outside napping New Year's pets relaxing resolutions walking Mon, 26 Dec 2016 11:00:07 +0000 Emily Guy Birken 1860477 at http://www.wisebread.com 9 Frugal Gifts for the Person Who Needs a Nap http://www.wisebread.com/9-frugal-gifts-for-the-person-who-needs-a-nap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-frugal-gifts-for-the-person-who-needs-a-nap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-535110735.jpg" alt="these are the perfect gifts for nap lovers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is anyone on your gift list cranky or stressed-out? Let's face it, this year has been pretty tiring. Maybe they need a nap. Heck, we all could probably use one.</p> <p>Napping can help you recharge, zap stress, and boost your mood. Who doesn't need that, especially during the holiday season? Let's encourage napping, and enjoy the benefits. Here are nine items that will make someone sleepy just by looking at them.</p> <h2>1. Cozy Blanket</h2> <p>I bought a super-soft <a href="http://amzn.to/2hM3Lq2" target="_blank">fleece throw</a> for my husband, and when I'm not stealing it, he's using it to nap. Tossing one over a chair looks homey.</p> <h2>2. Sleepy Tea</h2> <p><a href="http://amzn.to/2hM7u6X" target="_blank">Chamomile tea</a> is known for making people sleepy. According to the science, &quot;<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2995283/" target="_blank">Sedative effects may be due to the flavonoid</a>, apigenin, that binds to benzodiazepine receptors in the brain.&quot; Or, it could just be the relaxing ritual of making a cup of tea that makes the eyelids heavy.</p> <h2>3. Eye Mask</h2> <p>For the light sleeper in your life, consider getting them an <a href="http://amzn.to/2gH5vET" target="_blank">eye mask</a>. The added darkness can keep that pesky sun from ruining a napping mood.</p> <h2>4. Nap-on-the-Go Accessories</h2> <p>Slightly germaphobic, I don't like using the blankets or pillows provided by the airlines. Who touched that? Ewww. So if you know a frequent traveler who feels the same way, consider this <a href="http://amzn.to/2hMbBQC" target="_blank">handy blanket and pillow combo</a>, complete with handy carrying strap.</p> <h2>5. White Noise Machine</h2> <p>We took our pediatrician's advice and did not stop doing chores while baby napped. Now the kid can sleep through <em>anything. </em>&quot;White noise&quot; is simply a combination of different sounds and frequencies. But no need to run the vacuum cleaner &mdash; just flip the switch on one of these <a href="http://amzn.to/2gzrfhk" target="_blank">white noise machines</a>. (See also: <a href="http://www.wisebread.com/why-a-50-year-old-gadget-may-be-the-best-cure-for-insomnia?ref=seealso" target="_blank">Why a 50 Year Old Gadget May Be the Best Cure for Insomnia</a>)</p> <h2>6. Hot Water Bottle</h2> <p>To take the chill off, there is just something about a <a href="http://amzn.to/2hM4XtA" target="_blank">hot-water bottle.</a> The product, patented in 1903, is the epitome of low-tech. It's also really nice to have one of these comforting bottles around when you don't feel well. Just add hot water and snooze.</p> <h2>7. A Little Lavender</h2> <p><a href="http://amzn.to/2gH30T0" target="_blank">Lavender</a> may be just thing thing to help you rest, as it has been <a href="https://www.ncbi.nlm.nih.gov/pubmed/22612017" target="_blank">shown to reduce heart rate and blood pressure</a>. Spray a little spritz and see if it is sleep-inducing. If nothing else, it smells wonderful.</p> <h2>8. Fan</h2> <p>A <a href="http://amzn.to/2hMasbx" target="_blank">room fan</a> offers the combination of cooling the room &mdash; which <a href="http://well.blogs.nytimes.com/2014/07/17/lets-cool-it-in-the-bedroom/?_r=0" target="_blank">signals the body that it is time to sleep</a> &mdash; plus a little white noise. I cannot sleep at night without my fan running. Any seasoned napper would love this extra snooze-boost.</p> <h2>9. Yoga Tunes</h2> <p>I'll admit that I have embarrassed myself by falling asleep in yoga class on, um, more than one occasion. Oh, well. Maybe the relaxing <a href="http://amzn.to/2hrZoUz" target="_blank">yoga music</a> will help your favorite napper, too.</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/9-frugal-gifts-for-the-person-who-needs-a-nap">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/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You 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/15-unique-holiday-gifts-for-teachers-that-theyll-actually-like">15 Unique Holiday Gifts for Teachers That They&#039;ll Actually Like</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-smart-reasons-to-last-minute-holiday-shop">9 Smart Reasons to Last-Minute Holiday Shop</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/wise-bread-gift-guide-gifts-that-save-money">25 Gifts That Save 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/10-reasons-you-should-start-your-holiday-shopping-now">10 Reasons You Should Start Your Holiday Shopping Now</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping Christmas gift guide gift ideas holiday shopping nap need a nap shopping hacks sleep Fri, 16 Dec 2016 11:30:08 +0000 Marla Walters 1855410 at http://www.wisebread.com Going Off the Grid Is a Lot Harder Than You Think http://www.wisebread.com/going-off-the-grid-is-a-lot-harder-than-you-think <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/going-off-the-grid-is-a-lot-harder-than-you-think" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_farm_carrots_519737980.jpg" alt="Woman learning going off the grid is hard" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The term &quot;off the grid&quot; has taken on an expanded meaning of late. It used to be used in a literal fashion, to refer to disconnection from the grids supplying power, gas, water, and telephone services. Lately it's come to mean something broader: disconnecting from what whatever parts of &quot;the system&quot; seem objectionable to you.</p> <p>Some people want to disconnect from the financial system. Some people want to disconnect from the surveillance state. Some people want to disconnect from the globalized economy or industrial agriculture or consumerism. Any of these choices have both costs and benefits.</p> <p>Take a look at some of your options.</p> <h2>Off the Grid on the Low-Tech Path</h2> <p>To go fully off the grid is to become self-sufficient &mdash; to produce all the things you need for daily living. This is only sort-of possible. That is, the technology to produce everything you need to live is very low-tech indeed &mdash; pretty much everybody lived that way for the past 100,000 years &mdash; but there are two problems, one of which is insurmountable.</p> <h3>The Surmountable Problem: It's a Hard Way to Live</h3> <p>There are two historical routes along the low-tech path. The more recent is subsistence farmer.</p> <p>You can't just decide &quot;I'm going to be a subsistence farmer&quot; and expect to succeed at it. It takes capital (in the form of land and tools). It takes skills (that your grandfather may have had, but that you probably don't). And if you can acquire both of those things, it then takes long hours of year-round backbreaking work to eke out a meager existence.</p> <p>You can live at a much higher standard of living if you work for money (whether at a job or at your own small business) and then use that money to buy the things you need. Even if you don't make much money at all &mdash; part-time work at minimum wage, or whatever you can make as a freelancer at this or that &mdash; you're still going to be able to live as well as a subsistence farmer.</p> <p>Oh, the subsistence farmer will get better food. It doesn't get any fresher, more local, free-range, or organic than the stuff you grow yourself. The subsistence farmer also gets the huge satisfaction that comes from supplying your own needs with your own two hands. But if you really want to produce everything yourself, you're going to have to do without a lot.</p> <p>You have to make a lot of choices about how pure you want to be. Each thing you want to learn how to make yourself &mdash; nails, let's say &mdash; means another big investment in tools (forge, anvil) and skills, and another huge amount of work that you have to do to produce enough nails for a project. And each thing you decide not to make for yourself &mdash; cellphones, let's say &mdash; draws you into the money economy, meaning that you need to produce a surplus, so you have something to sell beyond what you need to live on.</p> <p>Although it would have been a lot easier in your grandfather's time (his parents had and could teach many of the skills that you're going to have to learn from YouTube videos), it's probably easier now than it was in the 1960s, when a lot of hippie types gave subsistence farming a serious try. At least you've got the YouTube videos.</p> <p>There is a lot of stuff out there to help, if you're serious about giving something like this a try. You might start with my review of <a href="http://www.wisebread.com/book-review-the-self-sufficient-life-and-how-to-live-it">The Self-Sufficient Life and How to Live It</a> here on Wise Bread from a few years ago.</p> <p>Just for completeness, I should mention the even older low-tech path: The lifestyle of the hunter-gatherer.</p> <p>As a practical option, this one probably doesn't even exist. Virtually all the land that is suitable to support hunter-gatherers is more valuable for some other use, and so it has been taken for that use. (Hunter-gatherers couldn't win fights with farmers even before firearms were invented.)</p> <p>I suppose a wealthy person could buy a hunting preserve on a tract of land big enough to provide enough fish, game, and plants to support himself. If he did his hunting with primitive weapons and processed the carcasses with primitive tools (and kept to himself), he could probably get away with violating the rules on hunting seasons, fishing licenses, and the like. But it would just be a fantasy of living as a hunter-gatherer. As a landowner, he'd still be on the grid. (As a rich person, he'd no doubt be on the grid in all sorts of ways.)</p> <p>Having said all that, hunting and gathering are both useful as ways to improve whatever lifestyle choice you end up with. Anything you can take from the wild is something that you neither need to grow nor buy. I talk about that in my post <a href="http://www.wisebread.com/foraging-not-insane-useless-or-impossible">Foraging: Not Insane, Useless, or Impossible</a> and Andrea Karim has posts looking at <a href="http://www.wisebread.com/hunt-fish-money-food">hunting and fishing for food</a> and at <a href="http://www.wisebread.com/free-food-in-your-yard-edible-weeds">gathering edible weeds</a>. (Of course those barely scratch the surface of what hunting and gathering can do to supplement your diet in modern times.)</p> <h3>The Insurmountable Problem: You're Still on the Grid</h3> <p>A farmer needs to own land, and all kinds of grid attachments come along with that. You have to pay your property taxes, so you have to earn some money, so you're probably going to have to file an income tax return as well. If you need to earn money you're probably going to have to be able to market your products, so you need a truck, which means even more money, and even more grid attachments (license, plates, safety inspections, dependence on foreign oil).</p> <p>There are other ways you can't get off the grid. The state is going to check and make sure your kids are getting a proper education. You can teach them yourself, but you need to be on-the-grid enough to do the paperwork. You need to have health insurance even if you don't want to avail yourself of modern medical care. Zoning regulations will affect how you can use your land. Federal marketing orders and agreements affect what crops you can grow, and the EPA regulates what you can do with wetlands on your property.</p> <p>Because of these issues (and a hundred more like them), I've become enamored of late by the possibility of a different sort of path to off-the-grid living.</p> <h2>Off the Grid on the High-Tech Path</h2> <p>If you accept the fact that there simply is no way to live completely off the grid &mdash; if you abandon the purity aspect of the notion &mdash; another option opens up: You can go off the grid <em>a la carte</em>, picking and choosing where connecting to the grid is worth the cost, and where disconnecting is the bigger win.</p> <p>The question you need to ask is &quot;<em>Why</em> do you want to live off the grid?&quot; If you understand the answer to that question, you can decide where to put your effort.</p> <h3>The Satisfaction of Providing for Your Own Needs</h3> <p>If this is what moves you, you can start right away. Think about what you need and start producing it.</p> <p>Food? An intensively worked suburban plot can provide a large fraction of all the food a family needs, but you can start with just a garden. If you can have chickens where you live, you can easily be <a href="http://www.wisebread.com/real-eggs">self-sufficient in eggs</a>. You can certainly raise a few rabbits and substantially augment your household meat supply.</p> <p>Clothing? Learn to sew. Learn to knit. Learn to weave. Learn to spin.</p> <p>Shelter? Look into the &quot;tiny house&quot; movement. (There are several <a href="http://www.wisebread.com/can-tiny-house-living-actually-save-you-money">tiny house articles</a> on Wise Bread.)</p> <p>Producing your own stuff is only sometimes cheaper than buying it, but stuff you produce yourself can also be better than what you can buy (once you get good at producing it).</p> <h3>The Safety and Security of Providing for Your Own Needs</h3> <p>One downside of &quot;the grid&quot; is that you're so terribly dependent on it. If the power goes out, you're sitting in the dark. If a backhoe takes out the wrong cable, you've got no landline (or no Internet, or no cable). If the water company starts piping in water that's contaminated with lead, you're drinking from bottles until they clean the system.</p> <p>You can replace most of these things in a grid-free fashion, although it often takes capital.</p> <p>You can put solar panels on your roof and produce your own electricity. If you live out in the country, you can drill your own well and pump up your own water. You can even set up a biodigester and produce your own methane gas (although it might be simpler to harvest the occasional tree and burn wood rather than gas).</p> <p>There's really no way to go grid-free for telephone and Internet, because the connection is the essence of the thing. But if you wanted to do it, the technical chops required to set up your own local network &mdash; one that covered your home or your neighborhood (or your walled compound) &mdash; is not beyond the capability of an ordinary person. Throw in some access points capable of establishing a meshing network and a server with ample disk space and you could offer folks very local networking that was completely independent of the larger grid, providing voice access to everyone within your local network and offering whatever you wanted to spin up on your server. (A local copy of Wikipedia wouldn't take up much room at all.)</p> <h3>The Morality of Providing for Your Own Needs</h3> <p>Things that you produce yourself can be produced in accordance with your own values.</p> <p>You can be confident that no produce from your own garden was harvested by poorly treated migrant labor. You can be confident that no garment that you sew yourself was made by slaves or prisoners. Eggs from your chickens can be cruelty-free, cage-free, free-range, and organic to exactly the extent that you choose &mdash; and will certainly be extremely local.</p> <p>Using power produced by your solar panels funds no overseas terrorist organization, drains no cash to money-center corporations, nor does it enrich the shareholders of the firms endangering our air and water with fracking, offshore drilling, or poorly maintained pipelines.</p> <p>Where morality is not implicated, you can choose to stay on the grid. I don't live in a tiny house: I live in a town house &mdash; but it's a town house owned by a cooperative that I'm a member of. In essence, I rent it from myself. It's on the grid, but it's very much in accordance with my values.</p> <p>Living large on a small budget makes it easy to live light on the planet, and that often goes hand-in-hand with high-tech, off-grid living.</p> <h3>The Flexibility of Providing for Your Own Needs</h3> <p>The technology of the <a href="http://www.wisebread.com/three-paths-to-being-a-digital-nomad">digital nomad</a> makes it possible to go off the grid in a very different way.</p> <p>On the one hand, the digital nomad needs regular (although not necessarily constant) access to the Internet. That's as grid-connected as can be.</p> <p>On the other hand, once you've arranged your life to allow you to be location-independent, you can be pretty indifferent to exactly which bits of the grid you choose to depend on, and you can shift around based on the circumstances of the moment.</p> <p>You can live out of a suitcase and laptop bag, using the power and Internet available wherever you happen to be.</p> <p>You can outfit an RV (or a van) with some solar panels and some batteries, add a few gigabytes of data to your cellular plan, and live and work anywhere you choose.</p> <p>You can connect to the grid, work for as long as seems appropriate, and then disconnect whenever you want.</p> <p>Being able to make these choices &mdash; and then make different choices when the circumstance (or your thinking) changes &mdash; is what I mean by the high-tech path to off-grid living.</p> <h2>High-tech or Low-tech, Capital Makes a Difference</h2> <p>There's a big trade off between <a href="http://www.wisebread.com/self-sufficiency-self-reliance-and-freedom">self-sufficiency and self-reliance</a>, and the more of what you need you can produce for yourself, the more options you have.</p> <p>The grid is part of this. Replacing it requires a lot of capital. Doing without means taking a hit to your standard of living. This means a lot of hard choices, but each additional chunk of capital can turn one more hard choice into an easy choice.</p> <p>I mentioned at the beginning that a subsistence farmer needs capital for land or tools. Many of the other strategies I've mentioned &mdash; such as getting your power from a solar array &mdash; involve substituting capital up front for monthly bills (and a reliance on the grid).</p> <p>There is the option of <a href="http://www.wisebread.com/book-review-farewell-my-subaru">going big on capital</a>. If you've got enough money, you can be as local and off-grid as you want in sourcing your food, power, water, and so on.</p> <p>If you lack capital, you're going to have to pick and choose which aspects of grid you chose to unhook from. Or else, you're going to have to accept a very low standard of living indeed.</p> <p>In the end, it comes down to your values. Why do you want to live off the grid? What lifestyle choices support those reasons?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/going-off-the-grid-is-a-lot-harder-than-you-think">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/life-without-tv">Life Without Television</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/9-things-you-can-do-online-besides-watch-cat-gifs">9 Things You Can Do Online Besides Watch Cat GIFs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing 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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data">3 Sneaky Ways Identity Thieves Can Access Your Data</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Technology alternative living disconnecting Economy farming independence Internet off the grid self sufficient sustainability Thu, 15 Dec 2016 11:30:12 +0000 Philip Brewer 1850791 at http://www.wisebread.com Will Your Brand Boycott Actually Make a Difference? http://www.wisebread.com/will-your-brand-boycott-actually-make-a-difference <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/will-your-brand-boycott-actually-make-a-difference" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_screaming_megaphone_522170143.jpg" alt="Woman learning if her brand boycott will make a difference" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Interest rates aren't the only thing on the rise after Donald Trump's election night win. Threats of product boycotts are soaring, too.</p> <p>Breitbart News, for example, is encouraging its readers to boycott Kellogg's after the cereal maker pulled advertising from the conservative site. Supporters of the incoming president also threatened a boycott of Pepsi after mistakenly believing that the company's chief executive officer said that Trump supporters should take their business elsewhere.</p> <p>Opponents of Trump have threatened their own boycott of shoemaker New Balance after its vice president of public affairs told The Wall Street Journal that the company's officials believe that &quot;things are going to move in the right direction&quot; after the businessman's election. The comment actually referred to the debate over the Trans Pacific Partnership trade agreement, but many in the anti-Trump camp thought the shoemaker was tossing out a &quot;support Trump&quot; message.</p> <p>Will any of these boycotts work? Will enough consumers stop buying Cornflakes or Diet Pepsi to actually hurt the companies making them?</p> <p>And if you stop buying these products, will<em> you </em>make a difference?</p> <h2>The Struggle to Make an Impact</h2> <p>Consumers have vowed to boycott plenty of products. But only a small number of these boycotts actually work. Those that <em>do</em> succeed, according to a story by the Harvard Business Review, are <a href="https://hbr.org/2012/08/when-do-company-boycotts-work">highly strategic and have clear goals</a>. They want to force a company into a specific concession, such as eliminating a controversial ad campaign or removing a potentially harmful ingredient from their products. But boycotts that simply call for consumers to stop buying a certain brand forever? Those rarely have a long-term impact.</p> <h2>Boycott's Long History</h2> <p>The word boycott as a form of shunning actually came into being way back in 1880 in County Mayo, Ireland. Back then, Captain Charles Boycott &mdash; a land agent working for an absentee landlord &mdash; threatened to evict 11 tenants from the land he managed when the landowner refused to reduce these tenants' rents by a high enough percentage after a particularly poor harvest.</p> <p>The community took on an organized and effective campaign to shun Boycott, with local business owners refusing to trade with him and the postal worker even refusing to deliver his mail. That first boycott was effective. Many that have followed have not been.</p> <p>The Guardian has reported that while boycotts might make an initial dent in a company's sales, they <a href="https://www.theguardian.com/vital-signs/2015/jan/06/boycotts-shopping-protests-activists-consumers">rarely impact these firms</a> for the long haul. The Guardian pointed to the 2003 U.S. boycott of French wines. Many U.S. consumers were furious with France's refusal back then to support the war in Iraq. So they decided to stop buying products from the country, including its wines.</p> <p>The boycott caused a quick 26% drop in sales of French wine in the United States. That sounds impressive &mdash; but the sales drop was a blip. The Guardian quotes Larry Chavis, a professor of entrepreneurship at the University of North Carolina at Chapel Hill, who said that sales returned to their normal trajectory just six months after the boycott began, meaning that the long-term effects of it were nil.</p> <p>This is an example of the type of boycott that rarely works: one without a clear goal. French wine sellers had no power to change their country&rsquo;s stance on the Iraq War. The boycott, then, had little chance of forcing a change in France's policy.</p> <p>What's more effective is when boycotts ask for a specific change while at the same time attacking a company's brand through social media, traditional media appearances, and large protests. In such boycotts, the actual boycotting of a company's products might have little long-term impact on sales. But the negative public relations can hurt a brand's image enough so that the company eventually makes a change to appease protesters.</p> <h2>The Nike Example</h2> <p>The Guardian cites the boycott of shoemaker Nike in the 1990s as one of the most successful. Activists heavily criticized Nike for relying on child labor, and calls for a boycott did hurt the company's sales. But the real long-term impact came from the negative hits against the company's brand image. This has forced Nike to work hard ever since to rehabilitate its image, change its labor practices, and exert greater oversight over its shoe production.</p> <p>There are plenty of boycotts going on right now, with <a href="http://www.ethicalconsumer.org/boycotts/boycottslist.aspx">Ethical Consumer</a> currently listing more than 65 active boycotts. There are boycotts against ice cream maker Ben &amp; Jerry's because of its contractual relationship with an Israeli franchise that sells ice cream in Israeli settlements in the occupied West Bank and East Jerusalem; an ongoing boycott against oil giant BP for the Deepwater Horizon spill in the Gulf of Mexico; and one against Chevron Texaco for allegedly dumping toxic waste in the Ecuadorean Amazon rain forest.</p> <p>Will these boycotts accomplish their goals? The odds are against them. But there are always those boycotts that do make a difference.</p> <p>Consider the recent boycott against Orlando amusement park SeaWorld. Animal welfare activists, including PETA and the Captive Animals' Protection Society, demanded that SeaWorld stop holding and displaying orca whales, saying that the captivity was harmful for these animals. In March of 2016, SeaWorld announced that it would end its orca breeding programs. The park said that it will also phase out its orca whale shows. Ethical Consumer has listed this boycott as one of the most successful.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/will-your-brand-boycott-actually-make-a-difference">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/5-big-brands-making-the-world-a-better-place">5 Big Brands Making the World a Better Place</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-brands-with-the-best-warranties">6 Brands With the Best Warranties</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/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</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/unbearably-stupid-packaging">Dumbest packaging ever?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-end-of-the-energizer-bunny-six-products-that-dont-need-batteries">The end of the Energizer bunny: SIX products that don&#039;t need batteries.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Lifestyle Shopping boycotts brands businesses consumers ethics making a difference politics protests public image Mon, 12 Dec 2016 10:30:24 +0000 Dan Rafter 1850789 at http://www.wisebread.com 5 Ways to Keep Anxiety From Ruining Your Budget http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-keep-anxiety-from-ruining-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_women_jogging_538947995.jpg" alt="Friends keeping anxiety from ruining their budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life gets tough sometimes. When work is overwhelming, you are fighting with your parents, and the news seems to get grimmer every day, you might find yourself shopping your way into a better mood or pulling the covers over your head and ignoring all of your responsibilities.</p> <p>Stress, anxiety, and depression affect all of us at some time or another. And whether you are dealing with occasional and momentary periods of stress, or you are in the grips of a long-term and serious depressive episode, your mental state can often wreak havoc on your finances. It's not easy to protect your budget from your anxiety's destructive impulses, but the following types of self-care will not only help you to feel better when stress strikes, but they will also protect your bottom line.</p> <h2>1. Recruit an Accountability Partner</h2> <p>Accountability partners are an important strategy for improving your finances. Not only does having a partner motivate you to stay on the straight-and-narrow while you pay down debt or increase your savings, but working with someone else can offer you encouragement when you are feeling down and add some fun to a long process.</p> <p>All of these benefits are also crucial if you are trying to keep your budget looking healthy while you're dealing with stress, anxiety, or depression. In the case of trying to keep your mental state from hurting your finances, your accountability partner may act a little bit more like a sponsor from a 12-step program. You can call that person when you are overwhelmed and count on her to remind you of why a shopping binge will not actually help you feel better.</p> <p>Obviously, you and your accountability partner need to be able to offer each other the emotional support you both need. In times of widespread anxiety, it can be a little more difficult to find a partner when everyone is feeling overwhelmed. However, leaning on each other is often a great way for two friends to both feel better and make the best financial choices for themselves.</p> <h2>2. Meditate</h2> <p>Mindfulness meditation has been proven to <a href="http://www.npr.org/sections/health-shots/2014/01/07/260470831/mindfulness-meditation-can-help-relieve-anxiety-and-depression">alleviate the symptoms</a> of both anxiety and depression. The focus of such meditation is to train your brain to remain in the moment, rather than obsess over the past or worry about the future. Such mindfulness will not only help you to put worries in perspective, but it can also help you to recognize the link between your emotions and your financially-destructive behavior.</p> <p>For instance, let's say that after a day of bingeing on news online, you badly want to put a lavish vacation on credit, just so you have something to look forward to. If you take 10 minutes to meditate instead, it can help you to see that your anxiety will not be helped by a vacation you can't afford. It will also allow you to feel your anxiety, rather than push it away, which is a much more productive method of getting past the negative feelings.</p> <p>If you have never meditated before, there are many <a href="http://www.nytimes.com/well/guides/how-to-meditate">beginner's guides</a> out there to teach you the practice of mindfulness.</p> <h2>3. Go for a Run</h2> <p>Exercise is the closest thing we have to a no-fail antidepressant. Research has shown that people are <a href="https://today.duke.edu/2000/09/exercise922.html">happier after breaking a sweat</a> than they were beforehand, even if they had to force themselves to go to the gym.</p> <p>In addition, an exercise habit can help you to avoid budget-destroying habits you might otherwise engage in, like retail therapy or a weekend-long Netflix marathon that keeps you from taking care of your grocery shopping and laundry.</p> <p>Of course, when you are in the midst of a deep funk, the idea of lacing up your sneakers and going out for a life-affirming run sounds about as enticing as getting a root canal. This is another place where your accountability partner can help you do what's best for you both. Set up a regular date to exercise together, and you will both get to enjoy the endorphins and the good company.</p> <h2>4. Volunteer</h2> <p>Depression, anxiety, and stress are often side effects of feeling helpless. When it feels as if you have little power over your circumstances, it's easy to retreat into bad and expensive habits to help yourself feel better.</p> <p>But there is always meaningful work that we can do to improve lives &mdash; even if we can't improve our own. That is why volunteering for a cause you believe in can be such an important tool in improving your outlook on the world. According to a 2008 study by the London School of Economics, people who volunteer <a href="https://www.ncbi.nlm.nih.gov/pubmed/18321629">experience greater happiness</a> than those who do not.</p> <p>The researchers theorize that volunteering makes you happier because it helps to put your situation in perspective. In addition, volunteering your time helps alleviate depression because it allows you to feel like you are a part of something important that is doing good in the world.</p> <h2>5. Engage in Productive Self-Care</h2> <p>Sometimes things feel so bleak that you really do need to retreat and take care of yourself. There is nothing wrong an occasional &quot;Stop the world, I want to get off!&quot; day for yourself. But there can be a fine line between healthy and productive self-care, and self-destructive wallowing. For instance, buying a bottle of nail polish might make you feel good, which could prompt you to keep buying to keep that good feeling going. Instead, you might be better served by inviting a friend over to paint your nails together.</p> <p>To make sure your self-care is helpful rather than harmful, start with your needs. Ask yourself what needs are not being met right now, and listen carefully to the answer that bubbles to the surface. Wallowing is often a passive reaction, whereas productive self-care is when you engage in fulfilling your unmet needs. Taking the time to think through what you need may help you realize that you don't actually want to go out drinking, but instead you need to talk with a good friend.</p> <h2>Don't Let Depression, Anxiety, and Stress Hurt Your Finances</h2> <p>When your thoughts get stuck in a hamster wheel of anxiety or depression, the easy method of handling your distress can often cause you financial stress. Being intentional and mindful about how you handle your negative mental states can help to alleviate your feelings of helplessness and keep your finances healthy.</p> <p>If you are experiencing severe depression and/or suicidal thoughts, please contact the National Suicide Prevention Lifeline at 1-800-273-8255.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget">5 Ways to Prevent the Winter Blues from Busting Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-simple-remedy-for-the-economic-blues">A Simple Remedy for the Economic Blues</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Lifestyle anxiety bingeing budgeting depression exercise Help mental health overspending self care stress volunteering Tue, 06 Dec 2016 11:00:09 +0000 Emily Guy Birken 1843967 at http://www.wisebread.com 6 Ways Millennials Have Changed Money (So Far) http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-millennials-have-changed-money-so-far" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_chalkboard_money_500538951.jpg" alt="Learning how millennials have changed money so far" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every generation of Americans have changed the face of this nation in its own way.</p> <p>In the 1990s, our country was very different from it was in the '70s, which, itself, was a far cry from the 1950s. Today, Millennials are overhauling our political, social, and financial landscape so much that it's barely recognizable from just 10 years ago, and that's not necessarily a bad thing (depending on where you stand on certain issues.)</p> <p>As far as money is concerned at least, the &quot;Me Generation&quot; is making it easier to earn money and more efficient to spend it, while reinventing entire aspects of personal finance, like investing. They're living up to the old idiom of putting their money where their mouth is &mdash; and here's how.</p> <h2>1. Cash Back Is Growing While Coupons Fall Behind</h2> <p>I used to be a major coupon clipper, once saving more than $80 on my grocery bill on double-coupon day at my local supermarket. My couponing prowess (and interest) has consistently waned over the years. Instead, substituting my savings with cash back deals through my bank and grocery apps, like <a href="https://ibotta.com/register?friend=jcsgjbv">Ibotta</a>, <a href="https://www.checkout51.com/">Checkout 51</a>, and <a href="https://savingstar.com/">SavingStar</a>, has skyrocketed.</p> <p>I'm not alone. Millennials are hopping aboard the rebate train in droves.</p> <p>If you're not familiar with the concept of the cash back service, it's basically the opposite of the upfront savings that coupons provide. Instead, these rebate providers pay out the consumer on the back-end, after the shopping trip is complete.</p> <p>SavingStar, for instance, offers deals from popular grocery brands like Cheerios, Yoplait, Dove, and more. For some chains, it'll link deals directly to shoppers' loyalty cards. For other stores, shoppers can submit a picture of their receipt through the app or website. In either case, shoppers earn cash back into their SavingStar accounts, which can be paid out to a bank or PayPal account, or as gift cards from Starbucks, iTunes, and AMC Theatres.</p> <p>Of course, cash-back-adopting Millennials would maximize their savings by using both coupons <em>and</em> the rebate services, but, ya know &mdash; kids these days.</p> <h2>2. Investing Is Being Completely Reinvented</h2> <p>As an investor myself, I've avoided putting money in stocks (I just don't trust that market), preferring to invest in real estate or other entrepreneurs' business ideas. Michael Banks, founder of investing and personal finance blog Fortunate Investor, says I'm in good company. Millennials are turning the investment industry on its head by rethinking long-held strategies, perhaps out of necessity.</p> <p>&quot;As the generation with the largest student debt and toughest-looking future, traditional investing is out of the picture,&quot; Banks says. &quot;Instead, more Millennials are relying on micro-investing &mdash; investing small amounts of money frequently &mdash; to accomplish their savings goals.&quot;</p> <p>Micro-investing allows would-be investors with little starting capital to bypass the roadblocks that usually keep them out of the game &mdash; minimum investment levels, trading costs, market research, and really just not having a ton of money.</p> <p>&quot;Investing has always had a high buy-in value, which you would think eliminates the generation that is doing everything they can to save whatever they have &mdash; but a handful of apps are changing that, and opening the doors for Millennials to try their hands at creating their own investment portfolios,&quot; adds Banks.</p> <h2>3. Hardly Anyone Under Age 35 Walks Into a Bank Anymore</h2> <p>Your grandma probably still goes to the brick-and-mortar bank. Heck, maybe even your dad likes to roll in from time to time for a withdrawal and a lollipop, but you'll be hard-pressed to find a Millennial in a bank, unless it's to grab cash from an ATM for after-work drinks (or working there). Rather, they prefer the easy-breezy mobile banking that accommodates their fast-paced lifestyle.</p> <p>According to a recent study, 75% of Millennials are at least somewhat <a href="https://www.marketingcloud.com/what-millennials-expect-from-their-banks/">reliant on a mobile banking app</a> to interact with their bank for tasks such as depositing or sending checks, checking their balance, and paying bills.</p> <p>&quot;This seems like somewhat of a no-brainer, but the power of convenience and control often goes overlooked,&quot; writes creative media agency Brokaw. &quot;Within mobile interactions, there are multiple avenues in which banks can increase their influence and exposure, including text messages and push notifications. Take FirstMerit Bank's text banking and alerts, for example: It allows their customers to request activity alerts for different aspects of their account right from their phone.&quot;</p> <p>Legit, though &mdash; mobile depositing is one of the best inventions of the 21st century. I will stand by that until my retinas are replaced with laser scanners that do all my banking for me. Which is totally gonna happen, ya know.</p> <h2>4. The Monetization of Ideas</h2> <p>Think you need to push product to turn a profit? Old school. Millennials' intellectual property is their bread and butter &mdash; and they're fiercely protective of it.</p> <p>&quot;The increasing monetization of ideas is one trend Millennials are driving, which doesn't look to be slowing down anytime soon.&quot; explains Monica Mizzi, editor of LegalTemplates.net, a website that equips people with the tools to be their own legal advocates. &quot;The boom in startup culture can be largely attributed to the throng of Millennials who are taking the plunge to make their 'one in a million' idea come to life.&quot;</p> <p>Successive studies highlight that a growing number of Millennials are bucking the trend of traditional employment to try their hand at entrepreneurship. With this has come an increasing interest in using nondisclosure agreements to protect their business ideas.</p> <p>&quot;While using an NDA to protect business ideas is not a novel concept, growing market competition has led Millennials to become more proactive in legally protecting their ideas &mdash; even before they have come to fruition,&quot; Mizzi continues. &quot;It's not uncommon to hear reports of big companies pinching ideas or being 'inspired' by their competitors' ideas, so Millennials wanting to become entrepreneurs are more conscious of ensuring their ideas are never compromised.&quot;</p> <h2>5. Instant Financial Transactions Are Becoming More Common</h2> <p>When do Millennials want their money? Now!</p> <p>Domestic instant transaction service has become commonplace for this demographic &mdash; I get paid instantly via Venmo when I deposit money from my Lyft earnings (like a boss!) &mdash; and its expansion to international exchanges is inevitable. The problem is, sending money internationally is a bit trickier with more complex compliance and regulations needs. But at least one service right now, <a href="https://www.remitly.com/us/en/">Remitly</a>, has built compliance and regulation rules into their app making it possible to meet Millennials' need for speed and convenience.</p> <h2>6. Digital Currency Has Real Value</h2> <p>Digital, or cryptocurrency as it's formally known, went mainstream with the runaway success of Bitcoin &mdash; a digital asset designed to work as a medium of exchange using cryptography to secure the transactions and to control the creation of additional units of the currency (as explained by Wikipedia). In layman's terms, it's cyber money that you can spend wherever cyber money is accepted, which is a real thing in this day and age.</p> <p>But Bitcoin isn't the be-all or end-all of digital currency. Imitators have popped up, relevant in their own rights. Using a digital currency called Steem, for example, users of brand-new social network<a href="http://www.steemit.com"> Steemit</a> (which looks a lot like Reddit) get paid for posting and curating content. And it's become wildly popular. After launching this past May, Steemit (which has a 26-year-old CEO) already has nearly 120,000 registered users and posts nearly 1,000,000 unique visitors per month. They've also paid out more than <a href="http://www.rollingstone.com/culture/news/can-this-social-media-site-make-you-rich-w449566">$4,000,000 in rewards</a> to users to date.</p> <p>While digital currency is still in its infancy despite these successes, you can expect to see more and more of it infiltrating sectors of industry. Will it ever replace cash or credit? Probably not. But it's certainly an interesting concept as a new form of legitimate currency as we've move forward with Millennials at the helm.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">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/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</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-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</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-meditation-can-make-you-a-money-master">6 Ways Meditation Can Make You a Money 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/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know 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-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle apps cash back coupons digital currency entrepreneurship investing millennials online banking Fri, 02 Dec 2016 11:00:10 +0000 Mikey Rox 1844380 at http://www.wisebread.com 4 Ways Millennials Are Changing Marriage http://www.wisebread.com/4-ways-millennials-are-changing-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-millennials-are-changing-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-478191992.jpg" alt="here&#039;s how millennials are changing marriage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to the Gallup, 59% of Millennials have <a href="http://www.gallup.com/poll/191462/gallup-analysis-millennials-marriage-family.aspx">never been married</a>. Raise your hand if you're a 20- or 30-something and your parents are hounding you to settle down and give them grandchildren. Oy, that's a lot of hands. Make sure they understand the four ways Millennials are changing marriage.</p> <h2>Marrying Later</h2> <p>It should be no surprise that the <a href="http://www.gallup.com/poll/163802/marriage-importance-dropped.aspx">youngest generation is marrying later</a>, as this has been a steady trend over the past few generations. However, the number of people born between 1980 and 2000 who are married is even lower than expected. </p> <p>Why wait? Wages are stagnant. More young people are saddled with college debt. More young people are taking longer to earn enough money just to leave their parents' home. More young people are dating longer, and waiting for the right one. <a href="http://www.wisebread.com/avoid-these-5-pitfalls-when-moving-in-together">Couples are living together</a> longer while putting off a wedding. When you don't have a lot of money, support, or time, the idea of spending a ton of time and money planning a wedding doesn't sound so romantic and fun.</p> <h2>Marrying Interracially and LGBT</h2> <p>It's crucial that we see where Millennials are pushing the ball forward, and one of those areas is in continuing the fight against <em>assortative </em>mating, which likely <a href="https://www.brookings.edu/blog/social-mobility-memos/2014/02/10/opposites-dont-attract-assortative-mating-and-social-mobility/">deepens economic inequality</a>. One of the best ways to track this is with interracial dating and marriage.</p> <p>Pew Research Center in 2013 learned that <a href="http://www.pewresearch.org/fact-tank/2015/06/12/interracial-marriage-who-is-marrying-out/">6.3% of all newlyweds</a> married a person who was outside of their race. While America has a long history of structural racism that Millennials also take part in, it is worth pointing out the big gains this generation has made in making marriage about love and not rules based on prejudice. </p> <p>It's also worth pointing out that 71% of American Millennials now <a href="http://www.pewforum.org/2016/05/12/changing-attitudes-on-gay-marriage/">support same sex marriage</a>, in contrast to only 55% of the general population overall. Marriage is getting more open and inclusive of all types of Americans, and you can thank Millennials for helping that happen faster.</p> <h2>Marrying With Prenuptial Agreements</h2> <p>This may not be relevant to your average couple living within the median income bracket, but it's an interesting one. According to some lawyers, more Millennials are cool with locking in a contract before the big day. Apparently, just over half of <a href="http://time.com/money/4549526/prenups-millennials-marriage/">lawyers in a poll</a> cited that they saw an uptick in prenuptial agreements in young couples, and only 2% of lawyers cited a decrease in prenups.</p> <p>Why could that be? One theory is that Millennials are entering marriages older and are more willing to have the tough pre-nup conversations. Another is that they are more protective of whatever wealth they have managed to hold onto, and are worried to repeat the mistakes of their parents. Whatever the reason and however you feel about prenups, it's sign that Millennials are more responsible than the media makes them out to be.</p> <h2>Not Marrying at All</h2> <p>Gasp! Clutch your pearls, but marriage is just not going to happen for a lot of people. According to the Olin College of Engineering, the number of both men and women projected to stay unmarried <a href="https://www.sciencedaily.com/releases/2016/10/161017124248.htm">continues to increase</a>. Professor Downey found that if men were born in the '90s, 30% of them will be unmarried by age 43. For women born in the 1990s, 36% of them are expect to be unmarried by age 43. That's in comparison to 17% of both men and women who were born in the 1970s going unmarried by the same age.</p> <p>Why? Marriage is very personal, and everyone's reasons could very well be different. That said, it's likely that the reasons many Millennials cite for delaying marriage would be the very same reasons some never do it at all. We've learned through myriad surveys, polls, and studies that most Millennials claim to have inherited a less economically stable world than their parents. Since marriage itself is in many ways an economic arrangement, how can we blame them?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/4-ways-millennials-are-changing-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-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/these-5-money-saving-hacks-are-a-huge-waste-of-time">These 5 Money-Saving Hacks Are a Huge Waste of Time</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-when-youre-rich-dream-buys-that-arent-that-great">5 &quot;When You&#039;re Rich&quot; Dream Buys That Aren&#039;t That Great</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-fun-facts-about-valentines-day-spending">12 Fun Facts About Valentine&#039;s Day Spending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle Dating Economy getting married marriage millennials saving money Spending Money wedding wedding dress wedding fund weddings Wed, 30 Nov 2016 12:30:10 +0000 Amanda Meadows 1844261 at http://www.wisebread.com Has Cash Become More Trouble Than It's Worth? http://www.wisebread.com/has-cash-become-more-trouble-than-its-worth <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/has-cash-become-more-trouble-than-its-worth" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash_money_78583601.jpg" alt="Learning if cash has become more trouble than it&#039;s worth" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You probably know people who have already quit using cash. I do. They pay their bills electronically, and pay for items purchased at stores with debit cards (or <a href="http://www.wisebread.com/prepaid-cards-about-to-get-safer-and-better">prepaid cards</a>, or credit cards, or any number of alternatives like Apple Pay or Google Wallet).</p> <p>Those people are making their choice based on what's best for them, but maybe society would be better off if people didn't have the choice. At least, that's what Kenneth Rogoff thinks. He's sure enough to have gone to the trouble of writing a book called <a href="http://amzn.to/2fyfK9H">The Curse of Cash</a> to lay out why he thinks so, and to suggest a path to a (nearly) cash-free society.</p> <p>Personally, I'm not convinced.</p> <h2>Rogoff's First Problem: Corrupt Transactions</h2> <p>That scale issue is what Rogoff wants to solve. Using $100 bills, you can fit $1 million in a briefcase. (You've no doubt seen the iconic aluminum Zero Halliburton case in movies. Its dimensions allow that much money, in new or used bills, to fit perfectly.) Drug lords, money launderers, human traffickers, gangsters, and corrupt businessmen can make and receive large payments in a form that's hard to detect and hard to track.</p> <p>Rogoff's idea is that getting rid of large bills will make illegal payments much harder. Your average corrupt government official, Rogoff figures, is going to be a little less interested in taking a bribe if he's going to need a dolly to cart off a steamer trunk full of $10 bills. And if he <em>does</em> take the bribe, it's going to be so cumbersome to move, store, and spend the money as to make it a lot easier to catch him.</p> <p>The idea that getting rid of large bills will reduce crime, and make criminals easier to catch, is not new. There were $500 and $1,000 bills in regular circulation in the U.S. until 1969, when President Nixon ordered them withdrawn for just that reason. There are still old bills in those denominations around, but they're mostly in the hands of collectors &mdash; and tend to sell for well over face value. They're still worth face value at a bank, but any that get deposited get sent to the Federal Reserve to be destroyed.</p> <p>(Note that with those pre-1970 large bills, we're talking big money. Adjusted for inflation, a briefcase full of $1,000 bills in 1969 would have been worth the equivalent of well over $65 million in 2016.)</p> <p>Rogoff isn't the only one thinking along these lines. Just a few months ago the European Central Bank announced their decision to get rid of their &euro;500 banknote, on the grounds that it &quot;could facilitate illicit activities.&quot;</p> <p>For most of the past ten years a briefcase full of &euro;500 bills would have been worth at least $6.5 million, although just at the moment it's only worth $5,520,350.</p> <p>Even after phasing out the &euro;500 banknote, Europe will still have a &euro;200 banknote, worth about $220, so the euro will still come out ahead in the &quot;biggest bribe in the smallest case&quot; competition. (Although behind the $1,000 Singapore banknote, worth over $700, and the 1,000 Swiss franc note, worth over $1,000.)</p> <p>Rogoff's plan would see the elimination of both the $100 and the $50 bills, followed eventually by the elimination of the $20. (Still later, he'd like to see the $5 and $10 replaced with coins hefty enough to be very unhandy for anyone carrying around more than $60 or so the average person has in his wallet right now.) These changes would make high-dollar cash payments almost impossible.</p> <p>To enable all this, he'd like to see a few changes, the biggest of which would be the creation of subsidized bank accounts and debit cards that would be free to poor people. (The government has been moving in this direction for a while, with things like the <a href="http://www.wisebread.com/making-direct-deposit-safe-for-the-garnished">Direct Express card</a>. It's only good for receiving payments of federal benefits at the moment, but it &mdash; or the now common prepaid cards &mdash; could work for this purpose with modest tweaks.)</p> <h2>Rogoff's Second Problem: Negative Interest Rates</h2> <p>Rogoff's second reason for getting rid of cash has to do with the way the Federal Reserve operates.</p> <p>The Federal Reserve adjusts interest rates with the goal of keeping prices stable while maximizing employment. They have some rules of thumb to guide them as to what the appropriate interest rate should be. Sometimes &mdash; such as the whole past seven or eight years &mdash; those rules of thumb have suggested that rates should be negative.</p> <p>Negative rates are hard to make stick as long as cash exists. If your bank account would pay a negative interest rate &mdash; in other words, charge you a fee to hold your money &mdash; obviously you're just going to withdraw your money and hold it as cash.</p> <p>Despite that issue, several central banks are experimenting with negative interest rates. So far, it's been working okay. If interest rates are only slightly negative, it's not worth it to go to the hassle of handling the cash, finding secure storage, insuring it, and so on. But what if the rules of thumb say that interest rates should be very negative? It would be worth it to rent a big vault and hire a bunch of armed guards, if the alternative was to pay several percent negative interest on $1 billion.</p> <p>If there were no high-denomination bank notes &mdash; nothing bigger than a $20 &mdash; then pulling your money out of the bank and stashing cash in a vault simply wouldn't be an option. You'd be stuck taking whatever negative rate the central bank decided was appropriate.</p> <p>Rogoff, who spent a good chunk of his career working at the Federal Reserve, thinks that would be great.</p> <h2>Going Cash-Free &mdash; Or Not</h2> <p>Rogoff's book deals pretty well with the practical issues of switching over, although he punts on a few. In particular, he figures that the infrastructure to make person-to-person payments with immediate settlement &mdash; the electronic equivalent to handing someone a $20 bill &mdash; will be created soon enough.</p> <h3>Cash Is Good at What It Does</h3> <p>However, the fact remains that there are plenty of problems cash solves very well. If you want to sell something that I want to buy, and if I have cash on hand to pay for it, we can execute the transaction without any third-party support. We don't need cards or a machine to read them. We don't need power or an Internet connection. We don't need a financial institution. We don't need a procedure to handle failures of any of those things.</p> <p>Large denomination bank notes are quite handy for transactions modestly bigger than what we usually carry in our wallets. My wife and I have twice sold an old car, each time for a few hundred dollars. One buyer showed up with a few $100 bills, which I was able to quickly verify and easily count. The other buyer showed up with a few dozen $20 bills, which made completing the transaction much more of a production. (Just counting a few hundred dollars in $20s is a non-trivial undertaking for people without much experience doing so, let alone verifying that <a href="http://www.wisebread.com/how-to-spot-counterfeit-money">they're not counterfeit</a>.)</p> <p>Most of the other details, where cash seems more convenient than some cash-free alternative, are effectively dealt with in Rogoff's book. It's full of points to flesh out his proposal, even if he fails to acknowledge some of my personal issues, such as the value of bank notes as works of art, and their value as archetypal objects of yearning.</p> <p>Leaving those trivial issues aside, there's still one big issue that keeps me from being on board with his proposal, which is that it traps everyone in a banking system controlled by the government &mdash; a government that is very likely to use the same tools they use currently (such as freezing bank accounts) in ways that will turn out to be vastly more coercive than they are now.</p> <h3>Cash Keeps You Free</h3> <p>Currently, if the government freezes your bank accounts, you lose the use of most of your money. The government isn't supposed to do this in a punitive fashion &mdash; it's just to make sure you don't abscond with the money before things get sorted out. But of course it is terribly punitive, and you're probably going to try pretty hard to sort things out with the government as quickly as possible.</p> <p>Think how much worse things would be if it weren't just your savings that were frozen, but also your ability to make transactions. Right now if your accounts are frozen, you at least have the theoretical option of putting your finances on a cash basis. If there were no cash, you could literally find yourself starving in the dark because you couldn't buy groceries or pay your power bill.</p> <p>Rogoff, I suspect, would wave that problem away as something that could be easily fixed administratively: There would be rules that would keep the government from freezing your bank accounts so severely as that, along the lines of the rules that already exist for garnishing your wages &mdash; transactions under certain amounts or for certain purposes would be allowed.</p> <p>For me though, that's putting a huge amount of faith to put in those rules and the people overseeing them. After all, fundamental rights have been (and are still being) seriously infringed on the grounds that certain people were &quot;suspected terrorists.&quot; Since access to a transaction account isn't currently viewed as a fundamental right, the threshold for limiting such access would be much more easily crossed. Who would object to freezing the accounts of suspected drug lords and suspected human traffickers? But why would it end there? Surely suspected tax cheats are bad people, and suspected deadbeat dads as well. What about people suspected of being behind on their student loans? (The government can seize most of your money for almost any debt you owe the government, but money from Social Security is safe &mdash; unless you're behind on your student loans.)</p> <p>Knowing I have the option to put my finances on a cash basis is a source of considerable comfort to me.</p> <p>Yes, the circumstances that mean I can put my finances on a cash basis if I need to also mean that criminals can put their finances on a cash basis. I'm willing to accept that, even if Rogoff isn't.</p> <p>I like the fact that cash money just works, without depending on any infrastructure. It's one reason I've long suggested that you <a href="http://www.wisebread.com/carry-some-cash">carry some cash</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/has-cash-become-more-trouble-than-its-worth">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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste 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/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/does-your-money-management-reflect-who-truly-you-are">Does Your Money Management Reflect Who You Truly Are?</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/i-am-doing-well-financially-now-what">I Am Doing Well Financially. Now What?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle cash cash is king corruption interest rates kenneth rogoff money management transactions Fri, 11 Nov 2016 10:30:27 +0000 Philip Brewer 1830889 at http://www.wisebread.com Best Money Tips: Easy Ways to Practice Yoga on the Cheap http://www.wisebread.com/best-money-tips-easy-ways-to-practice-yoga-on-the-cheap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-easy-ways-to-practice-yoga-on-the-cheap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_yoga_home_90467443.jpg" alt="Woman finding ways to practice yoga on the cheap" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on easy ways to practice yoga on the cheap, awesome DIY stocking stuffers, and the best and worst foods for an empty stomach.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/1028/Three-easy-ways-to-practice-yoga-on-the-cheap">Three easy ways to practice yoga on the cheap</a> &mdash; Many yoga studies offer work-exchange programs where you work a few hours per week in order to take free classes in-studio. [The Monitor]</p> <p><a href="http://www.popsugar.com/smart-living/DIY-Stocking-Stuffers-32811815#photo-32811815">88 Awesome DIY Stocking Stuffers</a> &mdash; A set of flavored salts is just the gift to make for the foodie in your life. [PopSugar Smart Living]</p> <p><a href="http://www.lifehack.org/488728/10-foods-to-eat-and-avoid-on-an-empty-stomach-for-better-digestive-health">10 Foods To Eat And Avoid On An Empty Stomach For Better Digestive Health</a> &mdash; It's good to eat fresh fruit when you're hungry&hellip;unless you're reaching for a banana. [Lifehack]</p> <p><a href="http://www.experian.com/blogs/news/about/death-and-finances/">Death &amp; Finances: What to Do After a Loved One Passes Away</a> &mdash; It can be extremely difficult when someone you love has passed on; it's even harder if you're in charge of setting their finances in order. Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on how to deal financially after a loved one passes away. [Experian]</p> <p><a href="http://www.stevenaitchison.co.uk/blog/6-things-you-could-be-doing-to-kickstart-your-memory/">6 Things You Could Be Doing To Kickstart Your Memory</a> &mdash; Engage your memory by paying close attention to the people and things around you as you go about your day. [Change Your Thoughts]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cheapism.com/blog/easy-cheap-thanksgiving-recipes/">11 Classic, Affordable Thanksgiving Recipes</a> &mdash; Candied yams is a classic dish at Thanksgiving. Yams are very cheap this time of year, so opt for fresh rather than canned. [Cheapism]</p> <p><a href="http://www.cleverdude.com/content/a-tweak-to-grocery-shopping-that-could-save-your-budget/">A Tweak To Grocery Shopping That Could Save Your Budget!</a> &mdash; Plan to buy a week's worth of groceries during one trip &mdash; but also set a budget for a secondary trip for the items you forgot to get. [Clever Dude]</p> <p><a href="http://www.everybodylovesyourmoney.com/2016/11/07/debt-free-journey.html?">5 Ways to Motivate Yourself On a Debt Free Journey</a> &mdash; Calculate your debt payoff date so you have a deadline to work towards. [Everybody Loves Your Money]</p> <p><a href="http://www.financiallypoor.com/money-management/4-easy-ways-to-freshen-up-your-finances/">4 Easy Ways to Freshen Up Your Finances</a> &mdash; Don't allow unused vehicles to take up space in your garage or on your driveway. You can get a tax write-off when you donate a car to charity. [Financially Poor]</p> <p><a href="http://afewshortcuts.com/2016/11/6-things-to-do-if-you-cant-afford-christmas-gifts-this-year/">6 Things to Do If You Can&rsquo;t Afford Christmas Gifts This Year</a> &mdash; Look for freebies and free events to keep your family busy during the holiday season. [A Few Shortcuts]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-easy-ways-to-practice-yoga-on-the-cheap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/the-5-best-exercise-mats">The 5 Best Exercise Mats</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/where-to-find-free-or-cheap-yoga-classes">Where to Find Free or Cheap Yoga Classes</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-yoga-blocks">The 5 Best Yoga Blocks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness 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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips yoga Tue, 08 Nov 2016 09:30:07 +0000 Amy Lu 1828887 at http://www.wisebread.com 5 Holiday Gigs That Are Perfect for Introverts http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-holiday-gigs-that-are-perfect-for-introverts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_91751979_MEDIUM.jpg" alt="these are good side jobs for introverts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average American spends nearly <a href="http://www.americanresearchgroup.com/holiday/">$900 a year on the holidays</a> &mdash; from buying gifts to preparing special meals. That's a major expense, and many families take months to <a href="http://www.wisebread.com/oops-i-maxed-out-my-credit-cards-now-what">pay off their holiday bills</a> after the season. To offset the costs of the holidays, bolster savings, and pay down debt, many people turn to seasonal jobs. Some people work a second job and take advantage of employee discounts to stretch their budgets.</p> <p>But if you are an introvert, the thought of working the busy counter at a department store or handling returns in customer service can be overwhelming. But that doesn't mean you cannot make extra money this holiday season. There are plenty of jobs you can do without being surrounded by people. (See also: <a href="http://www.wisebread.com/6-reasons-introverts-make-the-best-employees?ref=seealso">6 Reasons Introverts Make the Best Employees</a>)</p> <h2>1. Customer Service Representative</h2> <p>While customer service may sound like the worst gig for an introvert, modern roles can be a good fit. Many allow you to work from home, and many companies use chat or email rather than phone support. You can thoughtfully write your answers without feeling the pressure of a face-to-face conversation in the comfort of your own home. For example, <a href="https://remoteok.io/remote-jobs/10258-remote-seasonal-work-from-home-1-800-flowers-customer-service-rep-sutherland-global-services-cloudsource">1-800-Flowers</a> is hiring remote customer service positions to work through the holiday season. You need to meet certain technology requirements, but it can be a great work-from-home option.</p> <h2>2. Stock Associate</h2> <p>While working in the mall may sound like your worst nightmare, stocking can be a perfect fit for an introvert. Stockers usually work before or after normal operating hours, so you work in a relatively quiet environment, making sure there's inventory on the shelves and keeping everything organized. Right now, makeup giant <a href="https://jobs.sephora.com/search/?q=seasonal+stock&amp;locationsearch=">Sephora</a> is hiring over 1,900 seasonal stock associates at locations nationwide.</p> <h2>3. Delivery Driver</h2> <p>If you like driving but making small-talk with passengers makes you nervous, then working as a delivery driver may be a good option for you. Whether you work for UPS, FedEx, or <a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">Amazon Flex</a>, you can make money by delivering packages without having to do a lot of chatting.</p> <h2>4. Data Entry</h2> <p>While the work may not be the most fascinating, data entry is a big seasonal job. Businesses are trying to wrap up their accounts and reporting before the year's end, and often need help. Some allow you to work from home, but most will ask you to come in and work in the office. But because accuracy is so important, no one will bat an eye if you put on your headphones to block out the office and do your work. Companies like <a href="http://www.jobs.net/jobs/jacksonhewitt/en-us/search/?keyword=seasonal&amp;location=">Jackson Hewitt</a> are hiring data entry seasonal workers now.</p> <h2>5. Package Handlers</h2> <p>Package handlers sort and load packages for delivery for companies like FedEx and ProLogistix. Without customer interaction, it's a good job for introverts who do not mind doing repetitive work.</p> <p>The end of the year and holiday season can be an opportunity to earn extra money, helping you pay off debt and build up your <a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">emergency fund</a>. While being an introvert can make finding seasonal work more challenging, there are many opportunities available now that would be a good fit. Apply now to improve your chances of getting a holiday side gig and make money for the holidays.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">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/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</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-smart-summer-side-jobs-for-new-grads">6 Smart Summer Side Jobs for New Grads</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/check-out-these-5-legit-mystery-shopping-gigs">Check Out These 5 Legit Mystery Shopping Gigs</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/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting Lifestyle holiday jobs introvert jobs introverts job search side hustle side jobs Thu, 03 Nov 2016 10:00:09 +0000 Kat Tretina 1825851 at http://www.wisebread.com How to Keep Your Kid's Rich Friends From Ruining Your Budget http://www.wisebread.com/how-to-keep-your-kids-rich-friends-from-ruining-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-keep-your-kids-rich-friends-from-ruining-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_22114837_MEDIUM.jpg" alt="don&#039;t let your kid&#039;s rich friends ruin your budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every year, your child will make new friends at school or in their social activities. This can be a great thing, but what happens when your child makes a new rich friend? As an adult, it can be difficult to <a href="http://www.wisebread.com/6-ways-greed-is-keeping-you-poor">resist the urge to keep up</a> with wealthier friends. For a child, it can be even more difficult to understand and accept. Here's how to keep your child in a frugal mindset.</p> <h2>Show Them That Time is More Valuable Than Money</h2> <p>Spending more time with your child is more important than helping them keep up with their wealthier classmates. Children crave time and love; this is what memories are made of. They won't remember the expensive pair of shoes you bought them or the electronics they had in middle school. They will remember the time you all went camping or how you cooked dinner together every night.</p> <h2>Emphasize Experiences</h2> <p>Enroll your child in sports, summer camps, and free local child activities. They'll make new friends, have unforgettable experiences, and gain new skills. Fun experiences like these will quickly make them forget about what their rich friend has.</p> <h2>Focus On the Important Things</h2> <p>Focus more on what they <em>can</em> have and what makes those things special. Every item they own should feel like it's truly special and meant just for them.</p> <h2>Teach the Value of a Dollar</h2> <p>You can make this awkward moment a great learning experience. Set up an allowance system so your child can earn small amounts of money for completing chores or doing well in school. Depending on their age, you can also suggest that they begin with small jobs like baby-sitting, pet-sitting, or mowing the neighbors' lawns to make a little extra cash. You can also encourage them to start their own savings account and balance a checkbook. This will help them to better appreciate that money goes quickly and it can distract them from feeling inadequate.</p> <p>By earning their own money, they'll feel like the money is theirs to control. You can let them know that they can buy what they want, as long as they have their own money for it. Not only will they have something to look forward to, but it'll help them better understand the value of a dollar and how hard work can pay off.</p> <h2>Don't Give In</h2> <p>It may seem like the easy answer is to purchase your child something that they've been asking for, but this isn't the right approach. Not only will it throw your budget off, but it will only make your child feel better for a little while. Soon enough, they will want something else to keep up with their friends, and you'll be right back to square one. You can also remind them that their birthday or the holidays are right around the corner and they will be receiving gifts at that time. By the time the holiday rolls around, they probably won't want with they're asking for now anyway.</p> <h2>Ask for Hand-Me-Downs</h2> <p>Ask your friends and family for hand-me-downs from their older children. Your child will never know the difference and can benefit from clothes, shoes, and toys that feel like new.</p> <h2>Create Teachable Moments</h2> <p>You can always teach your child so much more than you can buy them. When your child begins asking financial questions, the key is to teach them how to be grounded and smart about money. Consider explaining to them what you're currently saving for, such as their college education or a family vacation. If they know there's a reason for a budget, they won't feel like they're missing out, but instead, can see the bigger picture.</p> <p>Most importantly, you need to be honest with your child, and phrase it in a way they'll understand. Explain to them that they'll always have everything they need, and whenever you can, you purchase them things that they want. Providing your child with the best upbringing possible has nothing to do with what you buy them &mdash; it's about the experiences and love you give them. Teach your child that the most important things are these familial bonds &mdash; not material possessions.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-keep-your-kids-rich-friends-from-ruining-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-being-rich-mean-to-you-anyway">What Does Being Rich Mean to You Anyway?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/declare-a-frugal-friday-fun-night">Declare a Frugal Friday Fun Night</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/buy-baby-bunting-but-dont-pay-full-price">Buy Baby Bunting... But don&#039;t pay full price!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family Lifestyle frugal parent making money material things rich friends shopping wealth Fri, 21 Oct 2016 10:30:09 +0000 Andrea Cannon 1817123 at http://www.wisebread.com 9 Great Jobs for Snowbirds http://www.wisebread.com/9-great-jobs-for-snowbirds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-great-jobs-for-snowbirds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93221921_LARGE.jpg" alt="great jobs for snowbirds" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Planning to hit the skies this winter and fly south? That's probably not a bad idea, considering that the trusty Farmer's Almanac says Old Man Winter plans to unleash an exceptionally cold and wet one. But between posting photos of palm trees and swimming pools to Facebook so your friends can curse the day you were born, you may need to pick up some work to pay the tab for such luxury. What kind of seasonal gigs can you get <a href="http://www.wisebread.com/6-luxe-travel-destinations-that-are-cheaper-in-winter">this winter</a>? Take a look and start setting yourself up for success today.</p> <h2>1. Telecommute From Your Existing Job</h2> <p>Not everybody has the good fortune of being able to work from home, but if you work for a company that allows telecommuting, or you're an entrepreneur with mobility, take advantage of it. Earlier this year, I left my home in New York to spend a month dodging the cold in sunny, warm Los Angeles. It was just what I needed to recharge my winter-worn body and soul, and I returned home mid-spring excited and reinvigorated.</p> <h2>2. Pick Up Odd Jobs Around Town</h2> <p>There are plenty of ways to pick up odd jobs around the town you're visiting, especially if you're particularly skilled in a certain discipline. On Craigslist, for instance, you can find a decent amount of handyman jobs and other around-the-house work. In college, I used to help elderly folks around their homes, like weeding and planting in their gardens, and it was quite rewarding. If you're not as good with your hands, however, try picking up gigs as a freelancer. There are<a href="https://www.freshbooks.com/blog/freelance-jobs"> more than 70 sites from which to choose</a>, ranging from generic, all-job types to more focused disciplines including: writing, photography, and design.</p> <h2>3. Become a Personal Taxi Service</h2> <p>I started driving for Lyft and Uber a couple months ago &mdash; signing into the apps occasionally when I have the extra time &mdash; and I've made well over $1,000 already. If you've brought your personal vehicle with you to your winter escape, consider this option. It's been a great way for me to make extra cash, but I also enjoy interacting with my riders and learning a little about their lives during the ride.</p> <p><strong>Pro tip</strong>: Offer candy &mdash; I use Starbursts and Dum-Dums &mdash; and small bottles of water to your riders for free. Everyone who gets in my car is instantly happier when they see the candy, and as a result, they leave an excellent review and a tip (the latter of which isn't required on these services) more often than not.</p> <h2>4. Offer to Watch People's Pets</h2> <p>Last winter, I signed up for DogVacay (Rover.com is another <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">pet-sitting site</a> that I can recommend) to make extra cash while I was working from home around the holidays or when it was too cold for me to go to my office. I've met so many awesome pets and pet parents using these services, I've put more than $500 in my bank account, and there's not a whole lot to it. All you have to do is make sure the pet is comfortable while their parent is away with lots of love and snuggles in between food and bathroom breaks. If you're snowbirding in a rental, you should check with the owners before you sign up, but for animal lovers, this is a great gig.</p> <h2>5. Apply for Seasonal Retail Work</h2> <p>Every mall in America needs extra hands on deck during the holiday season &mdash; and if you're a pro at customer service, pop into stores at which you think you'll enjoy working and inquire about opportunities. Don't limit yourself to the mall though. Lots of local businesses and stand-alone chains need additional help through the holidays and sometimes beyond, and you may be able to land a gig super close to home by broadening your search.</p> <h2>6. Wait Tables at a Local Restaurant</h2> <p>Like retailers, restaurants also often require additional staffing during the holidays to accommodate heavier traffic. You may not get prime hours, or even a spot on the floor if you don't have previous restaurant experience, but there may be a place for you behind the scenes or even as a host.</p> <h2>7. Investigate Substitute Teaching</h2> <p>Have a certified teaching certificate? Visit your local school district to identify opportunities that will put you in a classroom for a daily wage. Since requirements for substitute teachers vary from state-to-state, check out this guide on&nbsp;<a href="http://www.teacher.org/career/substitute-teacher/">How to Become a Substitute Teacher</a>.</p> <h2>8. Keep the Peace as a Part-Time Security Guard</h2> <p>Some states that have temperate weather year-round also play host to Major League Baseball training camps, and there are job opportunities at these small stadiums &mdash; like manning the concession stand or providing security. As a baseball fan, I couldn't pass up the chance for seasonal work in the southern states. You can also apply to become a security guard for apartment complexes, malls, or other public areas.</p> <h2>9. Look Into Opportunities at a Local Resort</h2> <p>Chances are, there are several resorts wherever you're heading for the winter, and just about the same time you plan to arrive is when they're in need for additional staff. There are lots of different types of jobs available at these resorts, including: front desk, night auditing, maid services, kitchen work, and more. If you happen to be close to an amusement park, you might even have a chance to walk around greeting guests at a costumed character, making you the hero of all your friends' children and grandchildren back home.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F9-great-jobs-for-snowbirds&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%20Great%20Jobs%20for%20Snowbirds.jpg&amp;description=9%20Great%20Jobs%20for%20Snowbirds" 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/u5180/9%20Great%20Jobs%20for%20Snowbirds.jpg" alt="9 Great Jobs for Snowbirds" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-great-jobs-for-snowbirds">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/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</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-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</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-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Lifestyle Travel job search jobs snow snowbirds telecommute winter work-from-home Tue, 18 Oct 2016 10:00:10 +0000 Mikey Rox 1815055 at http://www.wisebread.com Best Money Tips: How to Live in a Big City on a Small Budget http://www.wisebread.com/best-money-tips-how-to-live-in-a-big-city-on-a-small-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-live-in-a-big-city-on-a-small-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_walking_city_85475717.jpg" alt="Woman living in a big city on a small budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on tips for living in a big city on a small budget, over a hundred ways to save money in college, and amazing places to see fall foliage.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.currentoncurrency.com/big-city-small-budget/">Tips on Living in a Big City on a Small Budget</a> &mdash; When you're living in a big city, it's easy to get caught up in the night life. Try cutting back on your spending when you go out and mix things up with some free activities in your area. [Current on Currency]</p> <p><a href="http://moneypantry.com/save-money-in-college/">125 Tips to Save Money in College</a> &mdash; Plan your class schedule with your adviser to avoid taking classes that you won't need for your degree. [Money Pantry]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/1005/Five-amazing-places-to-peep-fall-foliage-on-a-budget">Five amazing places to peep fall foliage on a budget</a> &mdash; Book a ride on the Potomac Eagle Scenic Railroad to see some beautiful fall foliage. [The Monitor]</p> <p><a href="http://www.popsugar.com/smart-living/DIY-Disney-Costumes-Women-38407986#photo-38407986">Make These 12 Disney Costumes With What's in Your Closet</a> &mdash; Channel Snow White with a yellow skirt, blue sweater, red shoes, and a red hair tie. [PopSugar Smart Living]</p> <p><a href="http://www.experian.com/blogs/news/about/money-tips-for-couples/">Money Management Tips for Committed Couples</a> &mdash; Money conversations between partners can easily turn into arguments. Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on ways for couples to effectively manage and talk about their money. [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://everythingfinanceblog.com/18437/millennials-need-a-will.html">5 Reasons Millennials Can&rsquo;t Afford to Not Have a Will</a> &mdash; A will is a must-have if you have an animal companion. Unless you've designated a caretaker for your pet in a will, they'll likely end up in a shelter. [Everything Finance]</p> <p><a href="http://commoncentsmom.com/2016/10/5-habits-can-bring-gratitude-joy-life/">5 Habits that Can Bring More Gratitude and Joy into Your Life</a> &mdash; Let others know that you appreciate them. Say &quot;thank you&quot; often and tell people why you are grateful for them. [Common Cents Mom]</p> <p><a href="http://www.iwillteachyoutoberich.com/blog/choosing-a-career/">Choosing a career: 2 underused techniques</a> &mdash; With the Cloud Technique, you list all careers and positions that you might be interested in. When you have at least 10, narrow it down with the Window Shopping Technique. [I Will Teach You To Be Rich]</p> <p><a href="https://www.savingfreak.com/how-to-make-money-as-a-kid-or-teen/">75 Ways for Kids and Teens to Make Money</a> &mdash; Crafty kids can make wreathes for doors and sell them to friends and neighbors. [Saving Freak]</p> <p><a href="http://parentingsquad.com/3-activity-kits-for-your-animal-lover">3 Activity Kits for Your Animal Lover</a> &mdash; These on-the-go games and activities will keep your kids occupied and engaged wherever they are! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-live-in-a-big-city-on-a-small-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend">Flashback Friday: 143 Fun and Frugal Ways to Spend Your Weekend</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips big city Tue, 11 Oct 2016 09:30:24 +0000 Amy Lu 1810220 at http://www.wisebread.com