Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 5 Reasons to Keep Your Money Separated After Marriage http://www.wisebread.com/5-reasons-to-keep-your-money-separated-after-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-reasons-to-keep-your-money-separated-after-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/wedding_married_couple_000059191426.jpg" alt="Couple learning reasons to keep money separate after marriage" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money may not be the root of <em>all</em> evil &mdash; but it's the clincher in a great many relationships gone haywire. Research shows that arguing about money is by far the top predictor of divorce. &quot;It's not children, sex, in-laws, or anything else. It's money &mdash; for both men and women,&quot; says Sonya Britt, an assistant professor at Kansas State University who <a href="https://www.k-state.edu/media/newsreleases/jul13/predictingdivorce71113.html">conducted a study</a> of 4,500 couples about the interplay between financial arguments and relationship satisfaction.</p> <p>We all have deeply ingrained beliefs about how money should be spent, when it's appropriate to splurge, and how much we should have stowed away in savings. And it can be difficult to the point of deal-breaking to try and mesh our own attitudes about money with another person's financial beliefs, which very well may differ drastically from our own. That's why a large number of financial advisers urge couples to remain financially independent.</p> <p>Read on for our roundup of the top reasons why it pays to keep money matters separate in your relationship. (See also:&nbsp;<a href="http://www.wisebread.com/6-ways-regular-budget-meetings-might-save-your-marriage?ref=seealso" target="_blank">6 Ways Regular Budget Meetings Might Save Your Marriage</a>)</p> <h2>1. You'll Avoid a Power Imbalance</h2> <p>Merging finances means there's no more &quot;yours&quot; and &quot;mine&quot; in the money department. The divisions blur and it all goes into the same piggy bank. But what if your partner earns much more than you, and now you're suddenly living a lifestyle you can afford only with your partner's assist? What if the opposite is true, and you're subsidizing your partner's income with your own earnings? When your relationship is healthy and sparkling, you might not be bothered by either of these scenarios. But what about in the wake of a blowout fight?</p> <p>Or let's say you're the breadwinner in the relationship and you subsidize a good chunk of your partner's lifestyle because he or she isn't earning enough to keep up. Then, suddenly, you lose your job and your partner's income isn't enough to pick up the slack. Would you feel resentful? How would you cope with that? This is the kind of financial imbalance that has a tendency to instigate the fights that ultimately tear couples apart. Luckily, you can avoid them by keeping your financials separate from your sweetie's.</p> <h2>2. We're More Accustomed to Financial Independence Than Ever</h2> <p>Young adults are <a href="http://www.census.gov/hhes/families/data/marital.html">delaying marriage longer than ever</a> before. The average age of people at their first marriage in the U.S. today is about 27, which means many people rack up six or more years of complete financial independence before saying their vows. The money habits we develop during our years as single adults become so deeply ingrained in us that it's difficult to shift them in an attempt to mesh with the financial habits of our partner.</p> <p>And, unfortunately, finding common ground on financial matters is not necessarily something that gets better with practice. When asked how much they will need to save to maintain their current lifestyle in retirement, for example, nearly <a href="https://www.fidelity.com/about-fidelity/individual-investing/fidelity-couples-study">half of all couples are in disagreement</a> about the amount needed. This level of disagreement is highest, however, among those who are closest to retirement.</p> <h2>3. It Promotes Healthy Spending Habits</h2> <p>Financially independent couples tend to practice better discipline when it comes to paying off their own debts. And that makes for a healthy relationship. When one partner starts to feel like their partner's pockets are deep enough to offset the burden of their own financial risks, they sometimes become irresponsible in their spending and saving habits. And that can create the kind of friction that could start a fiery argument later on down the road.</p> <h2>4. It Balances the Burden of Money Stress</h2> <p>When one partner becomes the sole organizer of a couple's fiscal matters, he or she runs the risk of becoming overwhelmed by the responsibility &mdash; and that can throw an entire relationship off balance. But when both partners take charge of their separate finances and contribute to mutual expenses fairly, any money stress that arises is shared, making it much more manageable to find relief as a team.</p> <h2>5. A Breakup Won't Mean Financial Chaos</h2> <p>When you maintain financial independence, you avoid the risk of your personal financial situation falling apart just because your relationship did. Paying your fair share in a relationship also makes for a cleaner emotional break if you one day decide to split. When one partner consistently treats the other to dinners and vacations, or pays the majority of the bills, resentment is bound to brew during a breakup. The partner who paid more might even feel entitled to reimbursement.</p> <p><em>Separate or apart &mdash; how do you manage money with your partner? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-reasons-to-keep-your-money-separated-after-marriage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</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/10-types-of-friends-who-are-costing-you-money">10 Types of Friends Who Are Costing You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-stop-your-spouse-from-overspending">4 Ways to Stop Your Spouse From Overspending</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/38-ways-to-save-money-without-trying-much">38 Ways to Save Money Without Trying (Much)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle couples financial independence marriage power imbalances sharing money spending Wed, 20 Apr 2016 09:30:21 +0000 Brittany Lyte 1690618 at http://www.wisebread.com 6 Ways Life is Wonderful When You're Debt-Free http://www.wisebread.com/6-ways-life-is-wonderful-when-youre-debt-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-life-is-wonderful-when-youre-debt-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_carefree_smile_000074865831.jpg" alt="Woman learning ways life is wonderful when debt-free" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people think debt is the norm rather than the exception. To each his own. Just know that this type of mindset can become dangerous, especially if you develop the habit of financing anything and everything.</p> <p>Credit cards and other loans can put what you want within financial reach, but a life without debt can be rewarding. Here are six ways life is frickin' awesome when you're not burdened by a negative net worth.</p> <h2>1. You Have the Freedom to Work Less</h2> <p>The more debt you have, the more you have to work to keep up with monthly payments. Whether it's a house payment, a car payment, or credit cards, debt holds your freedom hostage and keeps you stuck in a career or job you don't like. Think of how great life could be if you had fewer bills. Rather than working a 40- or 50-hour week, you might get by working only 20 or 30 hours a week. With fewer financial pressures, you can quit a high-stress job and find satisfying work, although you might earn less.</p> <h2>2. You Can Retire While You're Still Young</h2> <p>Even if you know the importance of early retirement planning, debt can limit how much you stash for the future. Eliminating needless debt and reducing monthly expenses frees up disposable cash, allowing you to grow your retirement account faster. A sizable account might be the difference between working into your 60s and retiring young while you're still healthy and energetic. And that's not even considering how good the &quot;everybody envies me&quot; factor is gonna feel.</p> <h2>3. You Can Finally Have a &quot;Real&quot; Savings Account</h2> <p>Not only can debt-free living boost your retirement account, there's also an opportunity to grow your personal fund. Imagine what you could do with a &quot;real&quot; savings account. I'm not talking about $500 or $1,000, but rather tens of thousands of dollars. This is money that can be used for an emergency, home improvements, investments, or a good time. You can take a much-needed (and deserved; do you, boo!) vacation or deal with home repairs without relying on a credit card.</p> <p>If you're struggling to build your personal account, be honest and consider whether your lack of savings has anything to do with debt payments eating up your extra cash. If you could eliminate $1,000 a month in debt payments (between credit cards, student loans, and automobile loans), you could save $12,000 in just one year.</p> <h2>4. You Will Become a Smarter Spender</h2> <p>I've learned something from my own experience with debt: It is easier to accumulate new debt when I already have debt. Whenever I have a zero balance on my credit card, I'm more cautious and conscious of how I spend my money and use the card. I'll second-guess or rethink the smallest purchases. It doesn't matter if it's only $5 or $10, I'll wait until I have cash to avoid using the card. But the moment I give in and use the card, I stop second-guessing myself and I continue using the card.</p> <p>I've had debt discussions with others and found that some people feel the same. Maybe it's just our experiences, or maybe there's a connection between existing debt and new debt. Either way, <a href="http://www.wisebread.com/the-fastest-method-to-eliminate-credit-card-debt">getting rid of debt</a> can make you more aware of your spending habits. Debt elimination can be a long process. Reflecting on the effort it took to become debt free (and the benefits) is motivation to remain debt free.</p> <h2>5. You Will Experience Less Financial Anxiety</h2> <p>Debt keeps you enslaved to a bank. And sometimes, the amount you owe can heighten your anxiety level. This might be the case if payments stretch your budget beyond a comfortable limit. If you get into hot water, you could lie awake worrying about late payments, a damaged credit score, or collection calls. On the other hand, when you live within your means and don't rely on financing, you enjoy an inner calm and better financial security. When you own your stuff outright, you don't have to worry about anybody taking your items, unless, of course, you fail to pay taxes on your home or car. Then, well, you better hide.</p> <h2>6. You Don't Have to Pay to Borrow</h2> <p>One of the best things about avoiding debt is that you avoid interest. Interest is the cost of borrowing, and most banks charge some form of interest when you take out a loan or use a credit card. The longer you carry the balance, the more interest you pay, which can add up to hundreds or thousands of dollars depending on the amount financed.</p> <p>Borrowers with superb credit may qualify for <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases">0% financing</a> for furniture, credit cards, or automobiles. But these promotions are short-lived and only beneficial if you pay off the balance during the introductory rate period. If not, interest kicks in. In the case of financing furniture, if you miss a payment or don't pay off the balance during the promotion period, you could end up paying retroactive interest. All this equates to extra money you're spending for which you have nothing to show. A fool's game, for sure. (See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt?ref=seealso">When to Use a 0% Balance Transfer to Pay Off Credit Card Debt</a>)</p> <p><em>What would you do if you were debt free? Travel? Retire? Throw the party to end all parties? Let's talk about it in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-ways-life-is-wonderful-when-youre-debt-free">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/beyond-debt-free-getting-by-in-the-new-economy">Beyond Debt-Free: Getting By in the New Economy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/goal-setting-getting-out-of-debt-once-and-for-all">Goal Setting: Getting Out of Debt Once and For All</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-youve-crossed-from-healthy-debt-to-problem-debt">8 Signs You&#039;ve Crossed From &quot;Healthy&quot; Debt to &quot;Problem&quot; Debt</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-inspiring-people-who-each-paid-off-over-100000-in-debt">5 Inspiring People Who Each Paid Off Over $100,000 in Debt</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-false-assumptions-about-debt-free-living">6 False Assumptions About Debt-Free Living</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Lifestyle borrowing debt free early retirement financial freedom net worth savings Tue, 19 Apr 2016 10:30:10 +0000 Mikey Rox 1691580 at http://www.wisebread.com Flashback Friday: The 76 Best Life Lessons You Should Learn by 30 http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smiling_coffee_000083191027.jpg" alt="Woman learning best life lessons by age 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting older is scary. You're losing your supple, wrinkle-free glow one day at a time, you're edging closer to retirement and you may or may not have a sufficient amount of money saved, and ultimately, you're running out of time to accomplish your goals. But the flip side of that is with age comes wisdom, and by age 30, you should have a ton of it. Mainly because everyone's 20s are a hot mess of transitions, frightening unknowns, and emotional ups and downs. So once your 20s are behind you, you're ready to live your life like a <em>boss</em>.</p> <p>Here are our 76 best bits of wisdom to become your best self by age 30.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/young_woman_money_000062037450.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-personal-finance-milestones-every-20-and-30-year-old-should-hit?ref=fbf">7 Personal Finance Milestones Every 20 and 30 Year Old Should Hit</a> &mdash; Successfully managing your money is a struggle at every age. But if you can come up with the right strategy by 30, and stick to it, then you'll be living a very sweet life.</p> <p><a href="http://www.wisebread.com/5-financial-mistakes-you-need-to-stop-making-by-30?ref=fbf">5 Financial Mistakes You Need to Stop Making by 30</a> &mdash; Just as important as learning what to do, is learning what not to do. You probably made all of these mistakes in the rough and tumble times in your 20s, but it's time to break these reckless habits by your third decade on Earth.</p> <p><a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=fbf">10 Things to Stop Doing on Social Media by 30</a> &mdash; We live in a digital age, in which the way you conduct yourself online is almost as important as the way you conduct yourself in person. So seriously, stop taking drunk, revealing selfies and plastering them all over the web.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_cooking_000057441244.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-life-hacks-you-should-master-by-age-30?ref=fbf">10 Life Hacks You Should Master by Age 30</a> &mdash; From changing a tire to properly wrapping a present, these are the skills you should master by the time you hit the big 3-0. Some are easy, and some are hard, but all will make you a self-sufficient human. And that is priceless.</p> <p><a href="http://www.wisebread.com/5-life-mistakes-you-need-to-stop-making-by-30?ref=fbf">5 Life Mistakes You Need to Stop Making by 30</a> &mdash; Adulting is not always easy. In fact, most of the time, it's incredibly difficult. But by 30, it's truly time to grow up and stop making irresponsible life choices.</p> <p><a href="http://www.wisebread.com/12-foods-everybody-should-be-able-to-cook-by-30?ref=fbf">12 Foods Everybody Should Be Able to Cook by 30</a> &mdash; Even if you're not much of a cook, you should be able to throw together a basic and hearty meal for yourself in a pinch. From pasta to pancakes, these are the foods you should really know how to cook by now.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/30-somethings_financial_goals.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-money-goals-all-30-somethings-should-have?ref=fbf">10 Money Goals All 30-Somethings Should Have</a> &mdash; Now that your 20s are officially behind you, it's time to get serious about your financial goals. You've always dreamed of retiring on a beach with cocktails always in hand, yes? Well, now is the time to make that dream come true.</p> <p><a href="http://www.wisebread.com/8-career-mistakes-to-stop-making-by-30?ref=fbf">8 Career Mistakes to Stop Making by 30</a> &mdash; Decade numero tres is usually around the time people get laser-focused on their career goals. So if you're looking to switch industries, start your own business, or get a promotion, make sure you're always being your best self at work, and stop letting these mistakes slow you down.</p> <p><a href="http://www.wisebread.com/9-things-successful-30-somethings-do?ref=fbf">9 Things Successful 30-Somethings Do</a> &mdash; Oh you, wanna be a baller? Learn from the best, and adopt these smart habits of successful 30-somethings and you'll be well on your way.</p> <p><em>What are your tips for mastering the game of life by age 30? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">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/flashback-friday-the-60-best-ways-to-use-food-other-than-eating-it">Flashback Friday: The 60 Best Ways to Use Food Other Than Eating It</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-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</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/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting Lifestyle budget fbf flashback friday frugal food Health saving money Fri, 08 Apr 2016 10:00:08 +0000 Chrissa Hardy 1686913 at http://www.wisebread.com Best Money Tips: Look Younger With These Lifestyle Tips http://www.wisebread.com/best-money-tips-look-younger-with-these-lifestyle-tips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-look-younger-with-these-lifestyle-tips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sunny_face_000061337906.jpg" alt="Woman looking younger with lifestyle tips " 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 helpful articles on lifestyle tips that can make you look younger, money myths about millennials, and productivity tools for work and life.</p> <h2>Top 5 Articles</h2> <p><a href="http://savvyscot.com/10-lifestyle-tips-that-can-make-you-look-younger/">10 Lifestyle Tips That Can Make You Look Younger</a> &mdash; Protect your skin with sunscreen! Many skin products have SPF built in, so there's no excuse. [The Savvy Scot]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0404/Five-money-myths-about-millennials">Five money myths about millennials</a> &mdash; Millennials are entitled, irresponsible, and they don't plan for the future&hellip;right? Well, no, not necessarily. [The Monitor]</p> <p><a href="http://blog.desktime.com/2016/04/04/top-productivity-tools-and-gadgets/">8 Productivity Tools for Work and Life</a> &mdash; Amazon Prime members can use the Dash Button to order household essentials with just a click. [DeskTime]</p> <p><a href="http://www.popsugar.com/smart-living/Highest-Paying-Jobs-US-40487730">The 25 Highest-Paying Jobs in America</a> &mdash; According to <a href="https://www.glassdoor.com/blog/25-highest-paying-jobs-america-2016/">Glassdoor</a>, the highest paying job in America is Physician, with a median base salary of $180,000. [PopSugar Smart Living]</p> <p><a href="http://www.thesimpledollar.com/should-you-always-buy-a-new-car/">Two-Sided Coin: Should You Always Buy a Used Car?</a> &mdash; Here are two arguments for and against buying a used car. Which side of this debate do you fall on? [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://everythingfinanceblog.com/17251/cheap-weekend-getaway.html">How to Plan a Fun Cheap Weekend Getaway</a> &mdash; When visiting a new place, go where the locals go. You may need to trek further out, but you'll have a better experience at lower prices. [Everything Finance]</p> <p><a href="http://www.dontmesswithtaxes.com/2016/04/april-2016-tax-moves.html">Tax moves to make on April 18 and beyond</a> &mdash; If you haven't filed your taxes yet, this guide will help you put the finishing touches on Form 1040. [Don't Mess With Taxes]</p> <p><a href="http://www.dumblittleman.com/2016/04/19-ways-get-motivated-exercise.html">19 ways to get motivated to exercise</a> &mdash; Incorporating little bursts of activity into your day will get your mind geared towards fitness. [Dumb Little Man]</p> <p><a href="http://www.lifeoptimizer.org/2016/04/05/how-to-read-faster-and-remember-more/">How to Read Faster and Remember More - 5 Strategies</a> &mdash; When you need to read quickly, scan for the important words &mdash; nouns and some adjectives. Your brain can fill in the gaps. [Life Optimizer]</p> <p><a href="http://parentingsquad.com/avoid-these-9-bedtime-mistakes-at-all-costs">Avoid These 9 Bedtime Mistakes at All Costs</a> &mdash; Not all kids enjoy brushing their teeth, but allowing your kids to skip this step &mdash; even once! &mdash; sets a bad precedent. More importantly, it could lead to cavities and other dental problems. [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-look-younger-with-these-lifestyle-tips">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/25-healthy-changes-you-can-make-today">25 Healthy Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</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-exercise-mats">The 5 Best Exercise Mats</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle best money tips look younger Wed, 06 Apr 2016 10:00:07 +0000 Amy Lu 1685570 at http://www.wisebread.com 6 Money Myths About Stay-At-Home Moms http://www.wisebread.com/6-money-myths-about-stay-at-home-moms <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-money-myths-about-stay-at-home-moms" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000054774912_Large.jpg" alt="busting stay at home mom myths" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For most of the last five years, I've been a stay-at-home mom. Now, I've also done other things (like write for Wise Bread!) because I just can't help myself, but most of that time has been spent with my kids. I've wiped tears, changed diapers &mdash; the whole bit. And I chose that. It's what worked best for our family at the time, for a number of reasons.</p> <p>I've talked to a lot of people about my choice to stay home while the kids were little and, along the way, I've run into a lot of misconceptions like, &quot;So, you wear pajamas all day, right?&quot; Um, no. We actually leave the house most days.</p> <p>And a good number of those misconceptions are financial, or have financial implications. I have found these conversations both interesting and frustrating. Interesting, because I have come to know and understand how other people see me, and frustrating because they are usually so, so wrong. (See also: <a href="http://www.wisebread.com/4-common-money-misconceptions-about-women?ref=seealso">4 Common Money Misconceptions About Women</a>)</p> <p>Here are a few common myths about stay-at-home moms. Hopefully, this list will help you think about staying at home &mdash; or about friends who already stay at home &mdash; differently.</p> <h2>1. SAHMs Don't Make Money</h2> <p>I've had a good number of people assume that staying at home with my kids is all or nothing. I'm either out there working and bringing in income, or I'm at home, making zero dollars. The truth is, there's a huge amount of middle ground between those two scenarios. If we have an unexpected expense, I pick up writing and editing jobs to help cover it. If we decide we want to go on a trip that exceeds our current budget, I do the same thing.</p> <p>Most of the stay-at-home moms I know have some sort of side job that they do when or if they need to make some money. Sure, they don't bring in as much as they used to, but they are not entirely dependent on their significant other's income, either. And they do everything. So staying at home doesn't necessarily mean bringing in zero income.</p> <h2>2. SAHMs Wish They Made Money</h2> <p>I've had so many people ask me if it's hard for my husband and I to have him bringing in the majority of the income. &quot;Don't you wish you could at least make your own spending money?&quot; they'll ask.</p> <p>The truth is, before I started staying home with our kids, we had some hard conversations. Through those, we made decisions. All of our money, right now, is ours. It's not his or mine, but ours. What he brings in and what I bring in both go into a communal pot, and we can both spend from there as we see fit. We also budget together, so we jointly decide on financial goals and pursue them together.</p> <p>That's not to say that I never wish that I was making more money. But me staying home is a decision we made together, and my lack of income is not causing problems in my marriage.</p> <h2>3. SAHMs Are Penny Pinchers</h2> <p>Some people think that my family lives in borderline poverty because I stay at home. They assume that I clip coupons, shop sales, know thrift stores well, etc. While I'd probably be a better manager of our funds if I did all of that, I don't. I don't have to be frugal all the time, because we've budgeted in such a way that we have some financial freedom even though I'm not working.</p> <p>Not all stay-at-home moms are penny pinchers. I know myself, and I know that I'd go crazy if I had to make sure I saved on everything, so we have structured our lives in such a way that I don't. Sure, I love sales as much as the next person, but I don't limit myself to them.</p> <h2>4. SAHMs Spend Too Much</h2> <p>On the other hand, some people think that, because I stay at home, I spend a lot of money. I think these people have a picture in their head of a &quot;yummy mummy,&quot; or a wealthy housewife on a reality show, and that's not just me, nor is it any of the stay-at-home moms I currently know. Being at home really hasn't changed how I think about spending, though I do buy different things now than I used to.</p> <p>I've even had people say things like, &quot;Oh, you must, like, spend so much at Starbucks.&quot; Nope. I didn't buy a lot of expensive coffee before I stayed at home and I don't now. I suppose that someone who overspends before they stay home would be likely to continue those habits, but there's nothing inherent in staying home that makes a person develop expensive habits.</p> <h2>5. SAHMs Feel Like Slaves</h2> <p>&quot;But you're working for nothing,&quot; one friend said to me. &quot;Doesn't that get to you?&quot; I smiled. Not only am I saving the cost of daycare for three small children &mdash; which is not cheap, at least in our neck of the woods &mdash; but I'm doing jobs <a href="http://time.com/money/3461539/financial-habits-stay-at-home-parents/">worth over $110,000 a year</a>. Sure, I don't see that money, but I don't have to spend it, either!</p> <p>I think that some stay-at-home moms do end up feeling like slaves or servants, but most of us don't. Personally, I went into this gig with my eyes open. Sure, there's lots of manual labor, many not-so-glorious moments, and more tears and whining that I can honestly say I needed to hear, ever. But there is also the laughter, learning new things, and the moments of heartbreaking kindness that I wouldn't have seen otherwise.</p> <p>I'm not a slave. I simply chose to do some difficult things in exchange for some good ones. And which of us hasn't made that choice, sometime in our lives?</p> <h2>6. SAHMs Have It All</h2> <p>This is one of the misconceptions about being a stay-at-home mom that I run into the most, usually from other moms who have chosen to work full-time. &quot;Oh, you have it all,&quot; they will say. &quot;You're financially secure and you get to stay at home. I wish I could do that.&quot;</p> <p>Truthfully, we make sacrifices for me to stay at home. We don't drive new cars. We live in a house that is smaller, older, and less updated than those of most of our friends. We take low-key and inexpensive vacations, if we travel at all. My husband works more overtime than he'd like, so we can pay our bills.</p> <p>On the flipside, our financial security is wrapped up in one job, one company. If something ever happens to that, we will be in a world of hurt. All of our eggs, as they say, are in one basket.</p> <p>Is all of this worth it? Right now, yeah. Absolutely. But I don't have it all. I have simply chosen one set of sacrifices and joys over another.</p> <p><em>What are some other myths about stay-at-home moms (or dads)? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-money-myths-about-stay-at-home-moms">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</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/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> <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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">How Big of a House Do You Really Need?</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/37-ways-youd-be-better-off-as-a-bum">37 Ways You’d be Better Off as a Bum</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Lifestyle common myths finances money misconceptions myths stay-at-home mom stereotypes Tue, 05 Apr 2016 10:30:10 +0000 Sarah Winfrey 1684936 at http://www.wisebread.com 4 Reasons 'Frugal' Shouldn't be a Dirty Word http://www.wisebread.com/4-reasons-frugal-shouldnt-be-a-dirty-word <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-reasons-frugal-shouldnt-be-a-dirty-word" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shhh_face_000020798468.jpg" alt="Woman learning why frugal isn&#039;t a dirty word" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What does living frugally mean to you? Do you think of deprivation and doing without, people merely scraping through in a life barely lived? Or maybe you think of fanatics, evangelizing for their way of life while extreme couponing and haggling in Walmart?</p> <p>Frugal living has had quite the PR problem. But modern frugality really isn't about hair shirts and gruel. Today many people come to frugal living through conscious choice, rather than necessity. They often find it's a lifestyle choice that can actually enrich. Here's why.</p> <h2>1. Frugal Choices Are Value Driven</h2> <p>It's a common misconception that frugal living is all about saving money &mdash; but sometimes the frugal choice is not the cheapest one. To take a simple example, the frugal choice when buying a key item you need to be long lasting, like a winter coat, might not be visiting the thrift store. You might actually be better off buying new, and buying the best quality you can afford. Apart from the wider range available, this is a good way to avoid the <a href="http://www.wisebread.com/the-high-cost-of-cheap-clothes">high price of cheap clothes</a>.</p> <p>That might not sound so different from the choice anyone else might make, but the crucial point is that it's an <em>examined </em>decision. Frugal choices are mindful, where wall-to-wall commercials and our consumer society tend to promote mindless, reactionary buying.</p> <p>A frugal mindset means that you're aware of your spending, thinking about the real purpose of a purchase before you make it. At its core, modern frugality is not about penny pinching. It's about attaching value to the right stuff. Which, of course, might not be stuff at all.</p> <h2>2. Living Frugally Offers Independence</h2> <p>There's little we Millennials prize more than independence. At first glance, frugality might seem to remove independence, forcing you to forgo opportunities and limiting your choices. And it's true that on a day to day basis, a frugal approach will see you dropping your skinny Starbucks latte habit, and put the kibosh on the designer handbag collection. But in the long run, a frugal life offers great independence.</p> <p>People who choose to live frugally deliberately reduce their material needs. If you need less, you can save more &mdash; but many choose frugality not for the option of filling up the coffers, but for the opportunity to rebalance work and life.</p> <p>Free from the need to keep up with your neighbors, you can critically examine how much money you need to earn for a lifestyle you will enjoy. As your financial needs diminish, you can choose to cut your working hours, take time for your hobbies, visit family, or study. Maybe you could even retire early.</p> <h2>3. Being Frugal Fosters Creativity</h2> <p>Necessity, as they say, is the mother of invention. Being frugal is a surefire way to foster self discipline and creativity.</p> <p>Take birthdays or celebrations, for example. When you start from a frugal mindset, gifts and parties are not about how much you spend, but about how much you <em>think</em>. No last minute, guilt-driven smash and grab at the shopping mall here. The same goes for eating. Frugal living is about cooking from scratch, planning a menu and shopping list, understanding and working with seasonality. Put down the <a href="http://www.wisebread.com/how-to-stop-the-takeout-meal-cycle-and-save">take-out menu</a>.</p> <p>Some elements of a frugal life are more demanding than others. That's where the self discipline comes in. But we humans are meant to be able to look after ourselves, and modern conveniences have stripped away some of that. Getting frugal is a great way to get creative, and experience the rewarding feeling of making something yourself, whether it's a gift or a gazpacho.</p> <h2>4. Frugality Promotes Personal Connections</h2> <p>Living frugally naturally leads to valuing experiences more than things. By being open and mindful to experiences, frugality can deepen personal connections.</p> <p>Traditional research into the science of happiness agrees. The Easterlin Paradox suggests that people could <a href="http://www-bcf.usc.edu/~easterl/papers/Happiness.pdf">ultimately be happier</a> if they devoted more time to non financial goals like spending time with family, or improving our health. More money, once your basic financial needs are met, does not make us happier &mdash; the idea that it does has been described as the &quot;money illusion.&quot;</p> <p>One reason for this is that a more consumerist outlook can inadvertently foster a sense of competitiveness. Even with those closest to you, you might get a jealous twinge looking at the latest flash purchase. Instead of comparing designer high heels, frugal people might share an experience with those around them. Get into the countryside for a walk or cook a meal together &mdash; just stay away from the mall!</p> <p>So, far from merely enduring a miserable existence, perhaps those embracing a frugal life are actually demonstrating that you can have more, with less. Maybe collecting a life full of experience is more rewarding than a closet full of clothes.</p> <p><em>What do you value about frugality?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/4-reasons-frugal-shouldnt-be-a-dirty-word">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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-mats">The 5 Best Exercise Mats</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/the-7-dumbest-big-purchases-people-make">The 7 Dumbest Big Purchases People Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-peer-pressure-from-destroying-your-finances">How to Keep Peer Pressure From Destroying Your Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle being frugal Cooking decision making independence millennials shopping Fri, 01 Apr 2016 10:30:05 +0000 Claire Millard 1682365 at http://www.wisebread.com Best Money Tips: How to Get Into Shape on a Shoestring Budget http://www.wisebread.com/best-money-tips-how-to-get-into-shape-on-a-shoestring-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-get-into-shape-on-a-shoestring-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_running_outside_000072413839.jpg" alt="Woman getting into shape on a shoestring 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 helpful articles on tips for getting into shape on a shoestring budget, filthy habits you should drop by 40, and secret ways to make your clothes last longer.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.becauseimcheap.com/10-tips-for-getting-into-shape-on-a-shoestring-budget/">10 Tips For Getting Into Shape On A Shoestring Budget</a> &mdash; Need some motivation? Sign up for a local race of obstacle course! Most tend to run under $50, and the fees usually go to charity. [Because I'm Cheap]</p> <p><a href="http://www.stevenaitchison.co.uk/blog/6-filthy-habits-you-should-drop-before-you-hit-40/">6 Filthy Habits You Should Drop Before You Hit 40</a> &mdash; If you've been neglecting dental care, stop it right now! Your oral health greatly impacts your general, overall health. [Change Your Thoughts]</p> <p><a href="http://www.retiredby40blog.com/2016/03/28/7-secret-ways-to-make-your-clothes-last-longer/">7 Secret Ways to Make Your Clothes Last Longer</a> &mdash; Wooden hangers are less likely to snag and tear clothes, and their thickness keeps shirt shoulders in the correct shape. [Living on Fifty]</p> <p><a href="http://www.popsugar.com/smart-living/Why-You-Wake-Up-Tired-23268228">5 Reasons You Wake Up Tired Even With a Full Night's Rest</a> &mdash; It doesn't matter how long you sleep if it's low-quality rest. Things like sleeping with a pet, having caffeine late in the day, or having too much background noise can keep you from a restful night. [PopSugar Smart Living]</p> <p><a href="http://www.thesimpledollar.com/seven-skills-that-will-help-anyone-achieve-their-financial-goals/">Seven Skills That Will Help Anyone Achieve Their Financial Goals</a> &mdash; Patience is a good skill to have. It allows you to keep going even when you don't see the desired outcome right away. [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.5dollardinners.com/5-ways-to-make-mornings-more-managable-when-you-are-not-a-morning-person/">5 Ways to Make Mornings More Manageable&hellip;When You Are NOT a Morning Person</a> &mdash; Make good use of your evenings! Prep whatever you can the night before (make lunches, set out the next day's outfits, arrange backpacks and bags) so you won't have to do them the next morning. [$5 Dinners]</p> <p><a href="http://www.morewithlesstoday.com/salt-types-and-when-to-use-them/">Salt Types and When to Use Them</a> &mdash; There are many different kinds of salt, and certain kinds are better for certain tasks. Use rock salt if you're making ice cream or you want to get rid of the ice on your sidewalk or driveway. [More With Less Today]</p> <p><a href="https://blog.allstate.com/8-ways-to-tie-the-knot-without-breaking-the-bank/">8 Ways to Tie the Knot Without Breaking the Bank</a> &mdash; Consider having your wedding earlier in the day. Catering for a breakfast or brunch reception tends to be less expensive than dinner. [The Allstate Blog]</p> <p><a href="http://www.stackthechips.com/5-ways-fit-side-hustle-work-week/">5 Ways To Fit Your Side Hustle Into Your Work Week</a> &mdash; Carve out time to work on your side hustle like you would for an appointment. [Stack The Chips]</p> <p><a href="http://www.healthyarea.org/10-steps-fix-damaged-friendship/">10 Steps to Fix Your Damaged Friendship</a> &mdash; When you're meeting with a friend to try to repair a friendship, don't include other people in the discussion. The conversation should be between only you and your friend. [HealthyArea.org]</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-get-into-shape-on-a-shoestring-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/the-5-best-resistance-bands">The 5 Best Resistance Bands</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/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</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/50-ways-to-make-exercise-more-fun">50 Ways to Make Exercise More Fun</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/11-ways-cycling-can-save-you-money">11 Ways Cycling Can Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips exercise fitness Thu, 31 Mar 2016 10:00:08 +0000 Amy Lu 1682212 at http://www.wisebread.com 9 Ways Being Too Responsible Can Cost You http://www.wisebread.com/9-ways-being-too-responsible-can-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-being-too-responsible-can-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_overworked_000086169843.jpg" alt="Woman learning how being too responsible can cost her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You go through life looking to avoid risk. You look to save a dollar whenever you can. You're smart. Sensible. Responsible.</p> <p>But is this approach to life really the best thing for your finances? There may be times when a <em>little bit of risk</em> is better for you long term, or you may be so focused on one financial goal while you are neglecting another.</p> <p>Here are some examples of when being responsible has a financial downside.</p> <h2>1. You Have Too Much Liquid Savings</h2> <p>It always makes sense to have a sizable emergency fund to help cover unexpected costs, like a major car repair or medical emergency. But it doesn't make sense to carry massive amounts in a low-interest savings account to prepare for every conceivable disaster. Every excess dollar you keep in a basic savings account is a dollar that could be invested elsewhere, generating a bigger return and helping you build toward retirement. Opinions vary on how big your emergency fund should be, but few financial advisers recommend saving more than nine months of expenses. Don't steal from your future self by being too concerned about possible disasters now.</p> <h2>2. You're Too Focused on Saving for College</h2> <p>You're a responsible parent, and you want to help your kids pay for their college education. So you open a <a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans?ref=seealso">529 college savings plan</a> and pump money into it. That's great, but are you costing yourself future retirement funds in the process? In an ideal world, you can save plenty for both retirement and college costs, but it's important not to divert too much away from retirement. When it comes to saving, retirement should be your first focus. Your kids can always borrow for college, but you can't borrow money to retire.</p> <h2>3. You Always Buy the Cheapest Thing</h2> <p>Being frugal is usually a good thing. But there is some truth to the adage that you get what you pay for. If you consistently look to purchase the lowest-end version of a product just to save a few dollars, you may cost yourself in the long run. Sometimes things are inexpensive because they are low quality. And if something is cheaply made, you may end up replacing it sooner and costing yourself more in the long run. This is especially true for bigger ticket items like appliances. The best path financially is to search for value, not simply low cost, when shopping.</p> <h2>4. You Always Buy the Most Expensive Thing</h2> <p>Just like it's not necessarily best to buy the cheapest version of an item, you shouldn't reflexively go high-end all the time, either. It's a fine idea to pay more for quality and longevity in a product, but sometimes things are expensive due to unneeded bells and whistles, or because a manufacturer wants you to believe they have a premium product. Again, it's important to do your homework and find the correct balance between quality and price.</p> <h2>5. You're Too Helpful Sometimes</h2> <p>I would never advise against helping others. But there are some cases when you are putting your financial health at risk by lending others a hand. For instance, you may cosign a loan for your daughter so she can get a new car, but your credit could be ruined if she fails to make payments. You might &quot;lend&quot; money to your brother-in-law to start a business, even though you're fully aware he'll never pay you back. Generosity is okay, but it's best not to be too cavalier about lending or giving money to everyone that asks.</p> <h2>6. Your Investment Portfolio Is Too Conservative</h2> <p>You want to make sure that your retirement portfolio is protected from a stock market crash. So you invest heavily in stable investments like dividend stocks, bonds, and cash. This is fine if you are approaching retirement age. But if you're decades away from retirement, it pays to be far more aggressive. Sure, there will be times when your portfolio will take a big hit. But it will most likely go up over time, and you don't want to miss out on the years when there are big stock market gains. If you want to build the biggest retirement nest egg possible, it's best to shed your fear and invest heavily &mdash; perhaps even exclusively &mdash; in stocks when you are young.</p> <h2>7. You're Staying in the Same Job</h2> <p>So you like your job because it's got a steady paycheck and decent benefits. Staying put seems like the responsible thing to do. But there's some evidence to suggest that people who job hop can end up earning more. According to Forbes, employees who stay in a job longer than two years will end up earning 50% less in their lifetimes than if they switched jobs more often. Consider that the average raise these days is about 3%. Do you think you could command a bigger bump by looking elsewhere? If so, consider going for it. And don't worry about a short job stint hurting your resumé. Harvard Business review reported last year that there's <a href="https://hbr.org/2015/07/setting-the-record-straight-on-switching-jobs">no longer a stigma</a> against staying at a position for a short period of time.</p> <h2>8. You Paid Off Your House Early</h2> <p>There's always a desire to pay off that mortgage as soon as possible. If anything, it's a massive psychological boost to know you own your house free and clear. But there is a financial downside to paying your house off early, especially when interest rates are low like they are now. Let's say you have a 3.65% interest rate on a 30-year mortgage. But let's say you could earn a 7% annual return by putting money in the stock market. Where's a better place for your money? When investment returns are higher than your interest rates, there's no real compelling financial reason to pay off a loan early.</p> <h2>9. You Want to Fix Everything Yourself</h2> <p>You can definitely save money if you're handy. From plumbing repairs to changing your own oil in your car, it's often silly to pay someone to take on things you can do on your own. But do you know your own limitations? There are many instances when an attempt to fix something on your own can make a problem worse. (I know this from personal experience.) By hiring a professional to handle some repairs, you may have a better chance of ensuring things are done properly and constructed to last. This will save you money in the long run.</p> <p><em>Any other ways being too responsible costs us? Do the right thing and let us know in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/9-ways-being-too-responsible-can-cost-you">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/can-i-conquer-my-vanity-for-the-sake-of-my-sanity">Can I Conquer My Vanity for the Sake of My Sanity?</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-frugal-promises-i-have-not-kept">6 Frugal Promises I Have Not Kept</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/its-natural-for-me-to-spend-as-i-do-0">It&#039;s NATURAL for me to spend as I do!</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/jettison-the-junk-why-clutter-clouds-your-mind-and-saps-your-energy">Jettison the Junk: Why Clutter Clouds Your Mind and Saps Your Energy</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-frugal-balance-staying-away-from-financial-extremes">The Frugal Balance: Staying Away from Financial Extremes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle being too responsible costing you mortgage overspending saving too much Fri, 25 Mar 2016 10:30:04 +0000 Tim Lemke 1678302 at http://www.wisebread.com Flashback Friday: The 119 Best Fitness Hacks for Busy People http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-119-best-fitness-hacks-for-busy-people" 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_mat_000085758495.jpg" alt="Woman learning fitness hacks for busy people" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;I don't have enough time to work out.&quot; This is an excuse that most of us use to skip a scheduled sweat sesh. While it's true that there just aren't enough hours of the day to accomplish all of our tasks, it is still possible to make time to exercise regularly without shirking other responsibilities. All you need to do is find the right workout &mdash; something that you don't hate doing &mdash; that can also be done in tiny time increments. So instead of trying to set aside an hour each day to get in shape, you can almost certainly justify a handful of five or 10-minute workouts to do throughout the day.</p> <p>Here are our best 119 fitness hacks that require minimal time, and can fit into your normal schedule seamlessly.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/running-in-city-177433722-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-ways-to-get-toned-with-as-little-effort-as-humanly-possible?ref=FBF">4 Ways to Get Toned With as Little Effort as Humanly Possible</a> &mdash; Busy bees know that effort takes time, and time is money. These tips make it easy to get cut without cutting any of your daily tasks.</p> <p><a href="http://www.wisebread.com/8-personal-finance-moves-you-can-make-while-jogging?ref=FBF">8 Personal Finance Moves You Can Make While Jogging</a> &mdash; Multitasking is the key to masterfully managing a hectic schedule. So while you're going for a run, make these important money moves and you'll have less boxes to check on your to-do list!</p> <p><a href="http://www.wisebread.com/10-surprising-benefits-of-a-10-minute-walk?ref=FBF">10 Surprising Benefits Of: A 10 Minute Walk</a> &mdash; Don't shrug off the value of a quick stroll around the block. If that's all you have time for, remember that it'll be time well spent.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/family_exercising_000027499027.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks?ref=FBF">9 Quick Workouts You Can Do During Commercial Breaks</a> &mdash; Your end-of-day TV time is sacred to you, as it should be. This is how you unwind after a crazy day. But there's no reason you can't unwind while also working out! Here are nine quick workouts to do during the commercials.</p> <p><a href="http://www.wisebread.com/7-simple-ways-to-trick-yourself-into-burning-more-calories?ref=FBF">7 Simple Ways to Trick Yourself Into Burning More Calories</a> &mdash; Sometimes you need to trick yourself into doing things you're never in the mood to do. And for most of us, that includes exercising. And these tricks are brilliant, because it's like you're not even working out at all, while still burning calories.</p> <p><a href="http://www.wisebread.com/10-easy-back-exercises-that-will-help-eliminate-pain?ref=FBF">10 Easy Back Exercises That Will Help Eliminate Pain</a> &mdash; Nobody has time to be sidelined by back pain! These easy moves will combat tightness or soreness in your back, and keep you in tip top form to continue crushing it.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fitness_1.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/fitness-for-people-who-hate-exercise?ref=FBF">Fitness For People Who Hate Exercise</a> &mdash; Working out sucks, but it's gotta be done if you want to maintain your overall health and live to a ripe old age. So instead of making time for a fitness activity you abhor, give these a try and you'll always find the time.</p> <p><a href="http://www.wisebread.com/10-easy-ways-to-burn-almost-1000-extra-calories-per-day?ref=FBF">10 Easy Ways to Burn Almost 1000 Extra Calories Per Day</a> &mdash; When it comes to losing weight and becoming your best physical self, working out is only half the battle. These nutrition hacks will help you cut the excess calories, which will ultimately improve your energy and make exercise more fun! Speaking of more fun&hellip;</p> <p><a href="http://www.wisebread.com/50-ways-to-make-exercise-more-fun?ref=FBF">50 Ways to Make Exercise More Fun</a> &mdash; You will never find the time &mdash; not even 5-10 minutes &mdash; to workout if you hate your method of fitness. Here's how to make your sweat sesh way more enjoyable.</p> <p><em>What other ways can you get fit on a busy schedule? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">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/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</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/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</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-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty Lifestyle exercise fbf fitness fitness goals flashback friday frugal fitness Health workouts yoga Fri, 25 Mar 2016 10:00:09 +0000 Chrissa Hardy 1678944 at http://www.wisebread.com 6 Ways More Money Does Truly Lead to More Problems http://www.wisebread.com/6-ways-more-money-does-truly-lead-to-more-problems <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-more-money-does-truly-lead-to-more-problems" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_with_cash_000073068135.jpg" alt="Man learning how money leads to more problems" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're struggling to pay the bills each month, you probably don't have much sympathy for your wealthier neighbor or for the millionaire who complains about paying too much in taxes. But here's the truth: Even those blessed with a lot of dollars can have money problems.</p> <p>The rich just have different kinds of money problems. They might not worry about having enough money to make their car payment, but they do worry about sending too much to Uncle Sam every tax day.</p> <p>Planning to get rich yourself someday? Here's a list of some of the problems that you might face when you have more money to worry about.</p> <h2>1. Higher Taxes</h2> <p>Income tax rates jump steeply the more money you earn, which means that unless you and your accountant get creative, you'll be sending more of the money you earn each year to the federal government.</p> <p>Say you earned $514,000 in 2015. When you pay your taxes on April 18 of this year, you'll be taxed 10% for the first $9,225 of your earnings, and 15% on every dollar from $9,226 to $37,450. This rate goes up until you hit the maximum. You'll be taxed at this maximum rate of 39.6% for every dollar you earn from $413,201 and up.</p> <p>The upshot? The more money you make, the more taxes you pay. At least that's the theory. It is possible through deductions for the wealthy to dramatically lower the actual dollars that they send to the government each year. Trying to lower your tax bills is definitely one problem that grows the more money you earn.</p> <h2>2. Lifestyle Creep</h2> <p>When you get a big raise, do you boost the amount of money you save each year in your <a href="http://www.wisebread.com/5-important-things-to-know-about-your-401k-and-ira-in-2016">401K plan</a> or IRA? Or do you buy a nicer car?</p> <p>It's all too tempting to improve your lifestyle when your annual income rises. This is known as lifestyle creep. And it's a problem that the wealthy have to work hard to avoid.</p> <p>The rich might feel pressure, for instance, to invest in a larger home once their income swells. The better financial move might be for them to stay in their current home and instead invest their extra income. The allure of all those extra bedrooms and baths, though, can overwhelm the good sense of even the most fiscally conservative of consumers.</p> <h2>3. The Arrival of &quot;Long-Lost&quot; Relatives</h2> <p>There's a reason why lottery winners often joke about changing their phone numbers. They're worried that their relatives &mdash; especially long-lost ones with whom they've had little contact &mdash; will start hitting them up for money.</p> <p>The same thing can happen when you've built up your wealth over the decades. Your relatives who are struggling with their finances will expect your monetary help. If you don't cough up some bucks? You can bet those relatives will resent you. That can lead to strained familial relationships.</p> <h2>4. What Does Your Spouse Really Love?</h2> <p>Getting married after you've become fabulously wealthy can be tricky. How will you know if your future spouse loves you or your money?</p> <p>The stereotype of the gold-digging spouse might actually be a myth, at least according to this recent story in the <em>Guardian</em>, which argues that couples are more likely to get married when they <a href="http://www.theguardian.com/commentisfree/2014/jun/24/myth-trophy-wife-inaccurate-demeaning">have something in common</a> than because they're seeking partners with great wealth. But it's not surprising that some wealthy people wonder if that future spouse wants to marry them because of their overflowing bank account and not their wit or charm.</p> <h2>5. You Might Need an Army of Advisers</h2> <p>Once you've become wealthy, you'll undoubtedly need help to manage all those dollars. After all, you can't just stash those big bucks in a savings account. You want your riches to continue to grow. To master that feat, you'll need the help of financial advisers and accountants. And if you've invested in a larger home or a luxury boat? You'll need staffers to clean and maintain these investments. That isn't free, and finding the right help can prove challenging.</p> <h2>6. You're Even More of a Target</h2> <p>Think of how many scams fill your email box every morning &mdash; and you're not wealthy at all. Now imagine the target you'll become for fraudsters and scammers once you become rich.</p> <p>Wealthy people have to be especially careful to avoid scams, both online and traditional ones such as fake charities seeking donations. Nothing entices scammers like rich people who aren't especially careful with their wealth.</p> <p><em>Are you burdened with too much money? Share some in comments!</em></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/6-ways-more-money-does-truly-lead-to-more-problems">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/the-5-most-money-savvy-rap-stars">The 5 Most Money-Savvy Rap Stars</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/if-you-won-the-lottery-you-would">If You Won The Lottery, You Would...</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/are-you-a-yawn">Are You a Yawn?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-life-is-wonderful-when-youre-debt-free">6 Ways Life is Wonderful When You&#039;re Debt-Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-keep-your-money-separated-after-marriage">5 Reasons to Keep Your Money Separated After Marriage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle gold diggers income taxes money problems rich people wealthy Thu, 17 Mar 2016 11:00:05 +0000 Dan Rafter 1668455 at http://www.wisebread.com Americans Spend Less Than Other Countries on These 9 Items http://www.wisebread.com/americans-spend-less-than-other-countries-on-these-9-items <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/americans-spend-less-than-other-countries-on-these-9-items" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_eating_out_000078199745.jpg" alt="Americans spending less than other countries on these items" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The U.S. has the largest consumer market with a GDP nearly one-third the size of the entire world's consumer market. And we <a href="http://www.wisebread.com/americans-spend-more-than-other-countries-on-these-10-things">spend more on certain items</a> than most other countries. For instance, we pay much more than other nations for housing, medical costs, and education. But, it may surprise you to learn that because we are such a large consumer market, we actually spend less than other nations on these nine things.</p> <h2>1. Clothing</h2> <p>In a Bureau of Labor Statistics (BLS) comparative study of four developed nations including the United States, it was discovered that Americans spend 2% less than Canadians and 1.5% less than the UK on clothing. And of the four nations the U.S. ranked lowest for <a href="http://www.bls.gov/opub/focus/volume2_number16/cex_2_16.htm">total clothing expenditures</a> &mdash; at 4%.</p> <h2>2. Food</h2> <p>The same study also revealed that Americans spend less on food &mdash; just 14.6% &mdash; while Japanese citizens spend 21.8% of their total income on food. Canada scored second (15.3%), and the UK ranked third at 19.9%.</p> <h2>3. Electronics</h2> <p>The U.S. has the largest market for consumer electronics. And like the rules of supply and demand tell us, manufacturers are eager to supply to large markets such as ours, which helps control prices. Therefore, Americans who love their electronics and gadgets actually spend less on electronics than other nations.</p> <h2>4. Public Transportation</h2> <p>Again, according to the BLS report, we spend the least to get around (1.1%). Meanwhile, the UK spends 2.5%, Japan spends 2.3%, and Canada spends 2.0%.</p> <h2>5. Appliances</h2> <p>Many of the top appliance manufacturers like General Electric (GE) and Whirlpool are based in the U.S., which creates another situation where Americans get to reap the price rewards of purchasing domestic products for less.</p> <h2>6. Automobiles</h2> <p>Americans love their cars, and we spend 6.1% of our expenditures on automobiles. That&rsquo;s more than the UK and Japan, but that's the percentage of our household income. In terms of car prices per unit, we spend less than other countries.</p> <h2>7. Culture, Entertainment, and Recreation</h2> <p>Statistics about the types of culture, entertainment, and recreation are unknown, so it's unclear what specific things were included in total expenditures. But, apparently the U.S. spends significantly less on this category (6.5%) than other countries. The UK spends 15.1%, Japan 11.2%, and Canada 8.6%.</p> <h2>8. Alcoholic Beverages and Tobacco Products</h2> <p>Surprisingly, Americans spend less than the UK and Canada on alcohol and tobacco products &mdash; 1.9%. This is perhaps because many of the liquor and tobacco producers and distributors are located right here in the U.S. or in nearby Latin America.</p> <h2>9. Firearms</h2> <p>Americans love firearms probably as much as they love automobiles. Guns in America are readily available and cheap. However, they cost in more ways than people realize. An insightful Mother Jones article points to how gun violence <a href="http://www.motherjones.com/politics/2015/04/true-cost-of-gun-violence-in-america">costs American taxpayers millions</a> of dollars every day.</p> <p><em>Do your expenditures match the averages listed here?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/americans-spend-less-than-other-countries-on-these-9-items">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/americans-spend-more-than-other-countries-on-these-10-things">Americans Spend More Than Other Countries On These 10 Things</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-make-retail-therapy-good-for-you">5 Ways to Make Retail Therapy Good for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-habits-of-highly-frugal-people">7 Habits of Highly Frugal 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/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping americans countries money habits spending habits united states Wed, 16 Mar 2016 11:30:05 +0000 Qiana Chavaia 1670513 at http://www.wisebread.com 11 Things You Don't Know About Generation "Z" http://www.wisebread.com/11-things-you-dont-know-about-generation-z <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-things-you-dont-know-about-generation-z" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/hipster_friends_000063310711.jpg" alt="Learning the characteristics of generation Z" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Millennials this, millennials that. Millennials here, millennials there. Millennials are lazy. Millennials are open-minded. Millennials are substantial consumers. Millennials define passion.</p> <p>If there was one overused word in the past year or two, &quot;millennials&quot; is the incontestable winner.</p> <p>There's a chance, however, we'll soon be subject to a new cultural talking point &mdash; Generation Z. Haven't heard of it? I hadn't, either, until just recently. I was attending a company-wide meeting, and our CEO had the floor. Discussing societal trends and the rise of tech usage, he referenced the nation's group of fledglings. &quot;Generation Z, born in 1995 or later, came out with an IP address embedded in their heads,&quot; he joked into the mic, collecting a round of chuckles from the crowd.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Ways-Motivate-Yourself-33284380" target="_blank">52 Easy Yet Highly Effective Ways to Motivate Yourself</a></p> <p>It was sort of an <em>ah-ha!</em> moment for me. With a birth date near the end of 1994, I feel like I can't fully identify with millennials, especially in regards to <a href="http://www.popsugar.com/love/90s-Girls-22110636">&quot;the golden days.&quot;</a> Yeah, I remember when no one had cell phones &mdash; but only 'til sixth grade. Yeah, I thought <em>Titanic</em><strong>&nbsp;</strong>was amazing &mdash; in 2005, when I was first allowed to see it. And no, I can't recall a time in my life when there wasn't a computer in my house. In second grade, I learned to use Google.</p> <p>The true age bracket of <a href="http://people.howstuffworks.com/culture-traditions/generation-gaps/generation-z.htm" target="_blank">Generation Z</a> is up for deliberation among experts. Some believe members were born between 1991 and 2001; Entrepreneur says <a href="http://www.entrepreneur.com/article/236560">1994 and 2010</a> are the key birth years. Still others say anyone born after 1995 lands squarely within the category. To me, hard dates don't matter as much as life experiences and personality traits, which are key in discerning millennials from Gen Z. Below are 11 characteristics that distinguish us &mdash; if you're young, and you identify, welcome to the club.</p> <h2>1. We're Internet Experts</h2> <p>Because we're always online, we find answers to questions in warp speed. Z members multitask across a few different screens or monitors at once. We make lightning rounds through Twitter, Instagram, Facebook, Tumblr, Tinder, and Gmail. We know the lingo; we create memes; we make Vines and Periscopes and elaborate Snapchats. We have accounts on dozens, if not hundreds, of platforms. It's a challenge to put down our phones, even for 10 minutes to eat lunch. (In fact, I'm usually reading stories on my laptop while chowing down on meals.)</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Good-Morning-Habits-34931838" target="_blank">Up and at 'Em! 25 Good Morning Habits For a Great Day</a></p> <h2>2. We'd Rather Message Than Talk in Person</h2> <p>Along the same lines, Generation Z would rather have a digital conversation than a real-life discussion in many instances. Before rolling your eyes out of your head, think of the benefits. Awkward pauses? None of those. Stick your foot in your mouth? Difficult to accomplish when you're typing rather than talking. Nice flow of language? For sure. Better written skills? I'd argue so. I text paragraphs to my friends, because yes, we have intelligent discussions via SMS or Messenger &mdash; and I go back in and edit for grammar, spelling, and sentence structure before sending. Obviously, I'm not revising the way I would an article at work, but I make a solid effort. You may think it strange, but it's simply a way of life for Generation Z.</p> <h2>3. We Look Up to YouTubers</h2> <p>&quot;[Generation Z's] new idols are <a href="http://www.businessinsider.com/afp-generation-z-born-in-the-digital-age-2015-2">Internet stars</a>, like PewDiePie,&quot; says Business Insider&nbsp;&mdash; which is, well, spot on. Every single day, I check the YouTube channels I'm subscribed to (about 10) for new content. In fact, it's the first thing I do after getting home from the office. I'll spend up to an hour watching videos from my favorites, which include beauty vloggers and online comedians alike. On the other hand, I also use YouTube for documentaries and self-education... which makes me feel a <em>little</em> less guilty for all the time I &quot;waste&quot; on the site. (But I raise you this: is it REALLY considered a waste if it's harmless entertainment?)</p> <h2>4. 9/11 Was a Huge Part of Our Youth</h2> <p>I remember exactly where I was when the 9/11 attackers struck &mdash; and most other Generation Z's have the same frightening memory, which we'll never forget as long as we live. We grew up in an era where terrorism was a hotly debated topic, where the possibility (and subsequent action) of involvement in the Middle East evoked the strongest of feelings. Bush was always on TV; we sent soldiers care packages in grade school. We didn't understand most of it, but we knew things were troubled.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Why-Being-Introvert-Good-Thing-40242408" target="_blank">Why Being an Introvert Is Actually the Biggest Blessing</a></p> <h2>5. The Recession Affected Our Outlooks</h2> <p>Hushed voices behind closed doors; sudden downscaling in lifestyle choices; dying jobs and families packing up and moving far away. I was a mere preteen when the Great Recession reared its ugly head, and it hit my area (Detroit) especially hard. Being so young and born into a relatively well-off family, I was never given a good look at the aftermath, but the tension and sadness in the air was tangible. Between 9/11 and the Recession, Generation Z came of age in <a href="http://www.ideasindigital.com/idea/step-aside-millennials-gen-z-has-arrived/" target="_blank">a time of uncertainty</a>, and as a result, we've learned to become more resourceful.</p> <h2>6. We're Determined to Turn Our Hobbies Into Jobs</h2> <p>Since I was 10, I loved to write... and now I'm a journalist. According to Business Insider, this isn't (or won't be) uncommon, with 76% of Gen Z members aiming to create jobs out of their hobbies. And why shouldn't we? Though we're grounded in reality, we're better educated on planning, implementing, and executing our goals and aspirations. With Google at our fingertips all hours of the day, we learn how to make our dreams come true on our own.</p> <h2>7. We're One Step Ahead in Our Careers</h2> <p>That said, <a href="http://www.entrepreneur.com/article/252923" target="_blank">Gen Z is jumping on the (career) ball early on</a>. We're building our brands as adolescents, because we understand the impact social media has on not only our personal lives, but also our pending jobs. I started following and engaging with well-known writers on Twitter when I was 17. I began reporting for various publications at 18, I became an editor for a national platform at 19, and I freelanced for money at 20. At this age, I also graduated from college and landed a full-time gig at POPSUGAR. The early bird catches the worm, and we're well-aware.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Things-You-Should-Doing-25-40229069" target="_blank">25 Things You Should Absolutely Be Doing by 25</a></p> <h2>8. We're Self-Starters</h2> <p>We're invested in our careers, yes, but more than that, we seek to invent. <a href="http://money.cnn.com/2015/12/16/news/generation-z-work/" target="_blank">The entrepreneurial spirit has grown with each generation</a>, and Z's are beginning to trickle into the work force with <a href="http://www.popsugar.com/smart-living/How-Become-Self-Employed-37860836">lofty plans of impactful start-ups</a>. We think businesses can make a difference, and we're inspired by thriving companies such as Facebook or Uber, which have literally changed the scope of life. Expect us to take over tech &mdash; after all, we've pretty much never known a life without it.</p> <h2>9. We're Stressed Out, and Often</h2> <p>That's not to say we don't stress about our big ambitions. Generation Z certainly frets, principally over bigger-picture things like the economy and the environment, because ultimately that's how realists operate. On the bright side, we're more willing to <em>do</em> something about these weighty issues. <a href="http://www.theguardian.com/media-network/marketing-agencies-association-partner-zone/2015/jun/11/generation-z-teenage-audience-brands" target="_blank">Generation Z is highly involved in activist movements</a>, with a genuine intent to save the world.</p> <h2>10. We Prioritize Quality</h2> <p>Quality over quantity is the name of Generation Z's game. We're incredibly selective in the products we purchase, making it painstakingly tedious for advertising marketers to get through to us. I generally don't buy anything on Amazon that has less than a four-star rating. Before going out to dinner on Friday nights, you can bet I'm perusing Yelp for the best restaurants that still fall beneath my budget. With abundant cyber reviews from people who've already been there and done that, we'd be hard pressed to misuse our time on a transaction that's just not worth it.</p> <h2>11. We're More Accepting</h2> <p>Gen Z grew up in an era in which societal standards began to shift dramatically. Norms were flipped upside down &mdash; &quot;gay&quot; was no longer taboo; &quot;transgender&quot; wasn't just an urban legend. I distinctly remember bullying to be uncool when I was in high school. It was uncool to make fun of the boy who liked other boys. It was uncool to pick on the quiet African-Chinese twins. Band geeks were mainstream. The nerds were the popular ones. Our prom queen was a girl named Hannah who played on the boys' football team. High school, for the most part, was a safe and amicable culture. And playing both advocate and witness to the many ongoing developments of important social justice campaigns in this country, I have high hopes for an even more secure future with Generation Z commanding the forefront.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Gen Z is slowly taking over the world. Here&#039;s what you need to know about them. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Ways-Motivate-Yourself-33284380">52 Easy Yet Highly Effective Ways to Motivate Yourself</a></li> <li><a href="http://www.popsugar.com/smart-living/Good-Morning-Habits-34931838">Up and at 'Em! 25 Good Morning Habits For a Great Day</a></li> <li><a href="http://www.popsugar.com/smart-living/Why-Being-Introvert-Good-Thing-40242408">Why Being an Introvert Is Actually the Biggest Blessing</a></li> <li><a href="http://www.popsugar.com/smart-living/Things-You-Should-Doing-25-40229069">25 Things You Should Absolutely Be Doing by 25</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/11-things-you-dont-know-about-generation-z">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-mats">The 5 Best Exercise Mats</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-reasons-frugal-shouldnt-be-a-dirty-word">4 Reasons &#039;Frugal&#039; Shouldn&#039;t be a Dirty Word</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/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> <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/16-everyday-things-you-shouldnt-be-paying-for">16 Everyday Things You Shouldn&#039;t Be Paying For</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping characteristics gen x gen y gen Z generation z millennials shopping habits Fri, 11 Mar 2016 11:00:07 +0000 POPSUGAR Smart Living 1663383 at http://www.wisebread.com 7 Habits of Highly Frugal People http://www.wisebread.com/7-habits-of-highly-frugal-people <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-habits-of-highly-frugal-people" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_tablet_000078796949.jpg" alt="Woman learning habits of highly frugal people" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Frugal people who pay off their debt and achieve financial independence don't succeed by accident. They establish habits that allow them to consistently reach their goals over the long haul.</p> <p>During the past few years as a personal finance blogger and author, I have noticed that the most successful frugal people tend to follow a common set of habits. These same habits remind me of the traits that Stephen Covey detailed in his popular 1989 book, <a href="http://amzn.to/1VJ7Yc0">The 7 Habits of Highly Effective People</a>. For this article, I kept the original seven habits, but updated them for achieving financial independence today.</p> <p>What are the seven habits that allow some people to excel at being frugal?</p> <h2>1. Be Proactive</h2> <p>Frugal people are proactive about their money, taking action to monitor and control spending and maximize income. They find ways to spend less and reduce expenses &mdash; even if it requires effort and creative thinking. They direct most of the money they save from reduced expenses into savings and investments for long term goals.</p> <p>Although the first thing that comes to mind with frugality is saving money, many frugal people maximize income through side hustles or by generating passive income in addition to controlling their spending. An extra dollar saved or an extra dollar earned both contribute favorably to the bottom line.</p> <p>Frugal people know how much money they have coming in and how much is going out, often with great precision. This is accomplished by creating and following a budget and proactively monitoring spending. They focus on what they can control within their budget to achieve financial success.</p> <h2>2. Begin With the End in Mind</h2> <p>Why do frugal people work so hard to control spending and keep track of their money? Are they simply not interested in buying things? On the contrary, most frugal people are striving to reach financial independence so that they can travel or launch a second career or to have plenty of money to buy the things that matter to them. Frugal people are willing to worry about money now so they don't need to worry about it later.</p> <p>Surprisingly, many frugal people care more about their time than their money. Saving money buys financial independence, which buys time to do whatever you want. Frugal people want freedom to use their time as they wish and not be locked into working at a job until they reach old age.</p> <p>Frugal people begin with the end in mind. The end they want to achieve is financial independence. With that end in mind, they make a plan to reach the goal and follow it every day. The sacrifices along the way are worth reaching the goal.</p> <h2>3. Put First Things First</h2> <p>What is the first thing you pay every month? Do you pay your mortgage first? Perhaps you pay your utility bill or car payment first. Frugal people pay something else first &mdash; themselves.</p> <p>Paying yourself first means that you invest in your retirement fund or other savings accounts first, then you pay other bills using the money that is left. Most people pay their bills first, and then save or invest if there is any money left.</p> <p>Frugal people realize that having money to invest is the most important priority, and they take care of that priority first. If there is not enough money left to pay the bills, then frugal people find ways to make their bills smaller so they can fully fund their investment goals.</p> <h2>4. Think Win-Win</h2> <p>Stephen Covey talked about win-win situations in terms of structuring deals where both parties involved get something beneficial. His point was that someone doesn't have to lose in order to make a great deal &mdash; in fact, the best deals happen in win-win situations.</p> <p>Looking at this habit in the context of frugal success, just because you spend less money doesn't mean you have to benefit less or receive less value. In fact, frugal people find ways to spend less money and achieve greater benefit at the same time.</p> <p>Frugal people find plenty of win-win situations for their money. For example, why do many of them prepare most of their meals at home instead of dining out? Of course, making food at home is cheaper than paying the bill at a restaurant, but eating at home is healthier as well. The benefit of making your own food goes beyond just saving money.</p> <p>Buying a smaller house is less expensive than a larger house and it costs less for maintenance, insurance, heating/cooling, and lighting. In addition to the lower initial price and reduced ongoing costs, a smaller house also takes less time to clean and maintain, freeing up time for other activities.</p> <p>Most win-win scenarios involve not just price, but value. Frugal people consider the overall value that a purchase would provide throughout its life, including hidden expenses and potential benefits. Frugal people are willing to spend money to get a good value, and they shop around and use coupons to get the best deal they can on the right item.</p> <h2>5. Seek First to Understand, Then to Be Understood</h2> <p>Most frugal people don't start out being frugal. They start out as &quot;normal&quot; spenders and rack up credit card bills and student loans like most people. Over time, they come to understand that spending and debt are not the path to contentment. They realize that sometimes less really is more, at least when it comes to debt and spending.</p> <p>Frugal people reach an understanding of how much stuff they need to be happy, which is often far less stuff than most people think they need to be happy. Frugal people make spending decisions in terms of needs and wants, while most people think primarily in terms of having more and better stuff than their friends and neighbors.</p> <p>As far as being understood, most frugal people don't seem to care much what &quot;normal&quot; people think of them. Frugal people understand that spending money to keep up with the Joneses, or anyone else, doesn't make much sense and is certainly not the path to long term contentment.</p> <h2>6. Synergize</h2> <p>Synergy is the concept that sometimes, one plus one adds up to more than just two. How is this possible?</p> <p>If you decide that you can live without cable TV, you can save about $100 per month. Not only do you save $100 this month and every month thereafter, but you have significantly reduced the amount of money you need to retire by forgoing a recurring expense during your retirement years. You could retire years earlier due to the synergy of eliminating a recurring expense.</p> <p>Another example of synergy is reducing clutter. If you minimize the amount of clutter you collect over time, you will require less space to store your stuff. You will be able to live in a smaller, less expensive house. With less clutter, you will be better able to find and use the items that you do have. Savings of time and money will accumulate over the years greatly exceeding the small amount of effort it takes to nip clutter in the bud. This is another example where a seemingly insignificant action can allow you to achieve your goals years earlier due to synergy. (See also: <a href="http://www.wisebread.com/8-ways-clutter-keeps-you-poor?ref=seealso">8 Ways Clutter Keeps You Poor</a>)</p> <h2>7. Sharpen Your Saw</h2> <p>As you are reading this, you are sharpening your saw! If you have ever tried to cut something with a dull saw, you know that it takes a lot of work and a long time to get the job done. Keeping your saw sharp is time well spent.</p> <p>Sharpening your saw means to continue learning and finding new inspiration to get the most from your money. Frugal people tend to seek out ideas on saving money from blogs, podcasts, books, and by talking with other frugal friends. Reading about the financial success and failures of others can provide inspiration to keep your goals firmly in mind and on track.</p> <p><em>Which of these seven habits do you think is the most important?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/7-habits-of-highly-frugal-people">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/6-ways-sloth-is-keeping-you-poor">6 Ways Sloth Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-nfls-5-most-frugal-players">The NFL&#039;s 5 Most Frugal Players</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/are-you-saving-too-much">Are You Saving Too Much?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-to-make-yourself-hate-spending-money">10 Smart Ways to Make Yourself Hate Spending Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stop-hating-yourself-about-money-and-actually-make-positive-changes">How to Stop Hating Yourself About Money and Actually Make Positive Changes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle being proactive frugal people good habits money habits saving spending wisely win-win Tue, 08 Mar 2016 11:30:05 +0000 Dr Penny Pincher 1666846 at http://www.wisebread.com 12 Surprising Things You Can Have Delivered http://www.wisebread.com/12-surprising-things-you-can-have-delivered <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-surprising-things-you-can-have-delivered" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000044866750_Large.jpg" alt="the surprising things you can have delivered" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Humans are creatures of habit. We're also creatures of convenience, if only evidenced by the growing number of things we can have delivered right to our doors these days. Sure, Amazon helped usher in a new age of get-anything-quick, but more and more retailers are starting to provide privatized delivery services for everything from ski equipment to new cars.</p> <p>What can you get your hands on in flash? Take a look at these 12 items you can have delivered today that you couldn't just a few years ago. (See also: <a href="http://www.wisebread.com/21-fresh-food-delivery-services-that-can-save-you-big?ref=seealso">21 Fresh Food Delivery Services That Can Save You Big</a>)</p> <h2>1. Ski Equipment</h2> <p>Winter weather threatening your holiday vacay? Make the most of the snow by having ski equipment delivered to your hotel or wherever you're staying close to 35 ski resorts in North America. Ski Butlers' service includes a personalized fitting by a technician, free pickup on equipment on the final rental day, and any required on-mountain adjustments. The service&nbsp;<a href="https://www.youtube.com/user/skibutlers">helps skiers and boarders</a> avoid long lines at the ski shop plus save on shipping from the original location to the destination &mdash; not to mention the hassle of finding ski shaped boxes.</p> <h2>2. Printer Ink</h2> <p>Save yourself a trip to your local office-supply store by having ink delivered when you're running low. That's right &mdash;&nbsp;<a href="http://www8.hp.com/us/en/ads/instant-ink/overview.html">HP Instant Ink</a> allows your <em>printer</em> to order cartridges when you're running low, so you don't even have to remember to do it yourself! Plans start at $2.99 per month with savings of up to 50% on the actual cartridges.</p> <h2>3. Kiteboarding Equipment</h2> <p>If you're an extreme-sports enthusiast, you'll be happy to know that you can&nbsp;<a href="http://www.demoakite.com/">rent and have delivered kiteboarding kites</a> anywhere in the United States from Demo a Kite. The service offers a wide range of kits, allowing users to try out different brands, with the option to choose how much time you'd like to rent the kites. When the rental period is over, ship it back for free in the box provided.</p> <h2>4. Your Favorite Chain Restaurant Foods</h2> <p>Pizza delivery has been around for, like, ever (okay, since the early 1960s when Domino's made it popular), but until recently we haven't been able to get our other favorite fast and chain-restaurants foods delivered. That's all starting to change with services like DoorDash, a third-party service that delivers food from your favorite restaurants, like California Pizza Kitchen, Cheesecake Factory, and (for hangover Saturdays) McDonald's. The service promises that your order will arrive in 45 minutes or less, though its availability is severely limited and growth has&nbsp;<a href="http://www.nytimes.com/2016/02/12/technology/delivery-start-ups-face-road-bumps-in-quest-to-capture-untapped-market.html?_r=0">experienced a few road bumps.</a> Similar services include Postmates and Instacart, which also will deliver items from other local retailers and grocery stores &mdash; not just restaurants.</p> <h2>5. A New Car</h2> <p>Want to avoid that sleazy car salesman in his polyester suit? In that case, you may want to&nbsp;<a href="http://www.nowcar.com">check out NowCar.com</a>, a site that allows users to buy a new car online and have it delivered to their homes for free.</p> <p>&quot;We officially launched in Sept. 2015, so we are a relatively new service,&quot; says Chloe Lykes, NowCar.com's content manager. &quot;NowCar allows a user to complete the entire car shopping, comparing and buying (finance, lease, or cash sales) process of a new car online. And, once completed, the car is delivered to their home, for free. Since buying a car has many facets, much of NowCar's software development stems from a combination of algorithms that make all types of various scenarios possible.&quot;</p> <h2>6. Alcohol</h2> <p>When wild-and-wacky blizzards blow through &mdash; and your backup of reserve booze is compromised (which means it probably time to panic!) &mdash;&nbsp;<a href="http://drizly.com">Drizly</a> will come to the rescue. Delivered to your door within an <em>hour </em>(that's the goal, but maybe cut 'em some slack if there's a snow squall outside your door), this service will bring over your favorite wine, beer, or liquor &mdash; with no markups &mdash; in a growing number of cities that currently include Boston, Chicago, Dallas, Baltimore, NYC, St. Louis, D.C., L.A., and several others.</p> <h2>7. Condoms</h2> <p>Safe sex is the best sex, period. If you have an enviable bedroom life and, thus, generally need to keep your condom stash replenished, Rubber Club, a monthly subscription service that sends your favorite brand of condoms straight to you, might be up your alley. Or, ya know, if things are getting hot and heavy with your lover boy or girl at home (in San Francisco or Brooklyn; sorry rest of the world) and you realize you're fresh out, hop online and order a 12-pack for one-hour delivery from <a href="https://thisisl.com/1h-shop/">L. condoms</a>. Just... no high-fiving the delivery guy.</p> <h2>8. Chicken Eggs... That Will Hatch!</h2> <p>When I was researching this piece for some of the strange things you can have delivered, this came up &mdash; and it's legit. Not only can you&nbsp;<a href="https://www.mcmurrayhatchery.com/index.html">order chicken eggs</a> that you can incubate to the point of hatching, but you can raise an entire farm full of fowl with other available eggs that will eventually produce ducklings, goslings, pheasants, turkeys, quail, and more.</p> <h2>9. Laundry and Dry Cleaning Service</h2> <p>If you're like me and you drop off your dry cleaning and tend to forget it for weeks, services like&nbsp;<a href="https://www.getwashio.com/">Washio</a>, which offers premium dry cleaning and laundry delivery, could be a godsend. The wash-and-fold component seems pretty competitive from what I've seen &mdash; $1.99 per pound &mdash; but some of the dry cleaning rates, like $4.99 for a T-shirt and $5.99 for a sweater, are a bit questionable. Though they do balance out with more reasonable rates for other items, including $8.99 jackets and $11.99 two-piece suits. The service will pick up your garments and bring them pack for an additional delivery fee in cities including Los Angeles, Chicago, Boston, and a few others.</p> <h2>10. Massages</h2> <p>When you're too achy to move,&nbsp;<a href="https://www.soothe.com/">order a masseur from Soothe</a> that will bring everything you need to relax and detox with a legit rubdown right to your home. Soothe helps pair five-star therapists &mdash; every available masseur is licensed, background-checked, and thoroughly vetted &mdash; with weekend warriors and serenity seekers seven days a week from 9 a.m. to midnight, including holidays. You can have your masseur in one hour or schedule in advance, and no cash is exchanged as gratuity is built into the online fee when you book.</p> <h2>11. Women's Hygiene Products</h2> <p>Listen, I'm not a lady, and I'm not faced with lady issues often (luckily I'm married to a dude), so I'm just going to say that if going to the supermarket to buy women's hygiene products (I hope that's what I'm allowed to call them) makes you uncomfortable, there's a service that makes the whole process quick, easy, and discreet. Plus, you'll help someone else at the same time.</p> <p>&quot;Each box [of feminine products] is customizable, and for every box she receives a box goes to a woman in need,&quot; says Aunt Flow founder Claire Coder. &quot;The buy-one-give-one model for basic sanitary products is changing lives.&quot;</p> <h2>12. Puppies!</h2> <p>Out all the cool and strange things you can have delivered these days, nothing beats a puppy! For a &quot;puppy playtime&quot; fee of $30, Uber has tested the waters of doggy delivery &mdash; that is, bringing cute-and-cuddly pups (and their handlers) to those who need a pick-me-up. It recently launched the&nbsp;<a href="http://fortune.com/2016/02/01/uber-puppies-delivery-service/">limited-time promotion</a> with Discovery Communications across several cities, including New York and Chicago.</p> <p>The puppies that were part of the promo also were available for adoption. Keep an eye out for these kind of exciting opportunities more often from ride-sharing services, which have been taking advantage of cool opportunities with other brand partners, like the&nbsp;<a href="http://www.cnet.com/news/uber-delivers-adoptable-kittens-to-your-doorstep/">meme site Cheezburger</a> and retaile&nbsp;<a href="http://www.uglychristmassweater.com">UglyChristmasSweater.com</a>, the latter of which offered&nbsp;<a href="https://newsroom.uber.com/us-texas/12-days-of-christmas-ubersweaters/">free sweaters via Uber</a> delivered this past holiday season.</p> <p><em>Anything else you can now have delivered? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/12-surprising-things-you-can-have-delivered">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/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-free-things-that-arent">8 &quot;Free&quot; Things That Aren&#039;t</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-7-dumbest-big-purchases-people-make">The 7 Dumbest Big Purchases People Make</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/replace-these-8-luxury-buys-with-their-cheaper-better-alternatives">Replace These 8 Luxury Buys With Their Cheaper, Better Alternatives</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping convenience delivery food delivery lifestyle shipping shopping Takeout Mon, 07 Mar 2016 11:00:12 +0000 Mikey Rox 1666841 at http://www.wisebread.com 7 Frugal, Fabulous Alternatives to the Diamond Engagement Ring http://www.wisebread.com/7-frugal-fabulous-alternatives-to-the-diamond-engagement-ring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-frugal-fabulous-alternatives-to-the-diamond-engagement-ring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_matching_tattoos_000061739102.jpg" alt="Couple finding frugal alternative to diamond engagement ring" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you engaged? Getting engaged soon? Hoping to get engaged someday? No matter where you are in the process, it's worth thinking about how you want to make the statement.</p> <p>Many couples are finding that they don't want to go the traditional route of offering the bride-to-be a diamond ring. Some choose something else because they want to make a statement, others because they disapprove of the diamond industry &mdash; and even others because they simply like another option better.</p> <p>If you're considering doing something non-traditional, there are many ways to personalize your engagement and make it stand out from others. Here are some frugal ideas for you. (See also:&nbsp;<a href="http://www.wisebread.com/7-smart-ways-to-save-on-a-wedding-dress?ref=seealso">7 Smart Ways to Save on a Wedding Dress</a>)</p> <h2>1. Rings</h2> <p>Even if you choose to use a ring to symbolize your engagement, it doesn't have to be a diamond. These options work if you like the symbolism of the ring but want more flexibility in the material.</p> <h3>Wooden Rings</h3> <p>There are so many <a href="https://simplywoodrings.com/wooden-rings/">wooden ring options</a> to choose from! Many people like the fact that wood is a natural material and that trees symbolize both growth and rootedness &mdash; two ideas that are foundational to a marriage. Wooden rings sound like they might be big and clunky, but they can actually be delicate, with mother-of-pearl inlays and more. If you want a unique engagement ring, these might be for you.</p> <h3>Other Clear Gems</h3> <p>If you like the look of a traditional diamond engagement ring but you don't want to spend the money on a stone, don't want to support the diamond industry, or you want to be able to get a new ring in a few years, consider a cheaper clear gem. Moissanite is the most common diamond alternative, but there are actually quite a few other choices.</p> <h3>No-Stone Rings</h3> <p>If you are fine with a stoneless ring, there are about a million options out there. You can get something delicate &mdash; maybe simply a knotted piece of gold &mdash; or something much more elaborate. Really, you can make the ring look like anything you choose! The only downside of this option is that people often use rings without stones for promise rings. If you don't mind explaining your engagement ring to people you meet, though, it can be an awesome choice.</p> <h2>2. Other Jewelry</h2> <p>Don't like rings, but like the idea of a gorgeous piece of jewelry as an engagement gift? Consider a different piece of jewelry. Really, the options here are endless, but here are two of my favorites.</p> <h3>Lockets</h3> <p>A locket is a great choice for a piece of engagement jewelry because the idea is so romantic. No matter what you put inside of it, the recipient will keep it close to their heart. It can also be a great choice for folks who can't wear rings at work, or for keeping your engagement quiet for a while. You can use a traditional locket, with a photo or something special inside, or you can get a <a href="https://www.etsy.com/listing/254754910/engagement-locket-love-locket-wedding?ref=market">more modern clear one</a>, so that everyone can see the symbols of your love.</p> <h3>Personalized Bracelets</h3> <p>Bracelets are a great, inexpensive engagement option. You can choose from various metal options or <a href="https://www.etsy.com/uk/listing/125171592/2x-matching-bracelet-his-and-her?ga_order=most_relevant&amp;ga_search_type=all&amp;ga_view_type=gallery&amp;ga_search_query=couple%20bracelets&amp;ref=sr_gallery_7&amp;source=aw&amp;awc=6220_1453915981_afbf30567ed1a90d642cd696cba50369&amp;utm_source=affiliate_window&amp;utm_medium=affiliate&amp;utm_campaign=us_location_buyer&amp;utm_content=181013">engraved leather</a>. Have one etched with a <a href="https://www.etsy.com/listing/252348670/personalized-handwriting-bangle-actual?ga_order=most_relevant&amp;ga_search_type=all&amp;ga_view_type=gallery&amp;ga_search_query=engraved%20bracelet&amp;ref=sc_gallery_3&amp;plkey=29be4326d6a048e06fc48f10730cae33b4758260:252348670">short handwritten message</a>, so your own words in your own writing are always visible on your beloved's wrist.</p> <h2>3. Non-Jewelry Items</h2> <p>Maybe jewelry really isn't your thing. That's okay, too, because there are some fun engagement options that don't involve jewelry at all. These are great for people who cannot wear any jewelry when they work, so they can keep a symbol of love with them even when they're on the job.</p> <h3>Engraved Wallet Cards</h3> <p>These <a href="https://www.etsy.com/uk/listing/229392522/personalized-wallet-card-engraved-wallet?ga_order=most_relevant&amp;ga_search_type=all&amp;ga_view_type=gallery&amp;ga_search_query=wallet%20card&amp;ref=sc_gallery_1&amp;plkey=05258412075f60337666b2b3ad96aafc18d272e6:229392522&amp;source=aw&amp;awc=6220_1453915991_742f42e87a316d1b355ff74e1b4931c0&amp;utm_source=affiliate_window&amp;utm_medium=affiliate&amp;utm_campaign=us_location_buyer&amp;utm_content=181013">engraved wallet cards</a> fit easily into a wallet, allowing a beloved to see your loving words anytime they take it out. They are highly discreet and can make for a fun secret between lovers. They are also a great choice for people who want to say more than can be engraved onto a ring. Give your lover all your words of love when you get engaged, and let them carry your love with them.</p> <h3>Tattoos</h3> <p>These have become increasingly mainstream over the last few years, but they are still a great engagement option. If you want your love to last forever, why not tattoo it onto your skin? Tattoos also give you the ultimate in creative options for how you want to declare you love. Pick something that is meaningful to the two of you.</p> <p><em>Do you have an alternative to a diamond engagement ring? How did you express your love when you got engaged?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/7-frugal-fabulous-alternatives-to-the-diamond-engagement-ring">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-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-engagement-ring-can-you-actually-afford">How Much Engagement Ring Can You Actually 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/the-5-best-resistance-bands">The 5 Best Resistance Bands</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-exercise-mats">The 5 Best Exercise Mats</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/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> <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-greatest-story-ever-sold-is-a-fantasy-covered-in-blood">The Greatest Story Ever Sold is a Fantasy Covered in Blood</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping alternatives diamonds engagement rings non-traditional weddings weddings Thu, 18 Feb 2016 10:30:26 +0000 Sarah Winfrey 1658153 at http://www.wisebread.com