Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 11 Ways to Earn Extra Cash From Thrift Stores http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-earn-extra-cash-from-thrift-stores" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-thrift-shopping-shoes-Dollarphotoclub_53295669.jpg" alt="woman thrift shopping shoes" title="woman thrift shopping shoes" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a single parent, I'm always looking for ways to save money. I've always loved thrift stores, and have found some great clothing, DVDs, books, collectibles, and pieces of furniture at my local shops. But things got really interesting six months ago when I came across an item that I didn't really want, but knew was valuable. It was a Coogi sweater; the kind worn by Bill Cosby in the 80s. Definitely not my style, but highly collectible and worth at least 10 times the $5.99 asking price. (See also: <a href="http://www.wisebread.com/5-things-you-can-resell-on-ebay-that-make-the-most-money?ref=seealso">5 Things You Can Sell on eBay That Make the Most Money</a>)</p> <p>I bought it, sold it on eBay, and since then I have turned my thrift store runs into a way of not just saving money &mdash; but making money. It's not a new concept. Many people make a good living from thrift stores, but I have a full time job and cannot dedicate all of my time to it. If you're selective, and follow these guidelines, I guarantee you will make an extra $200-$300 every month on eBay and Craigslist just by visiting a few thrift stores several times a week.</p> <h2>1. Always Have Your Smartphone on You</h2> <p>When I first started out, I had absolutely no clue what was valuable, and what was junk. I got lucky with the Coogi sweater, but I knew there were valuable items in the stores just hiding on the shelves. So, I took advantage of my smartphone. What you need to do is use eBay as a research tool. Here's how.</p> <p>When you see an item you think may be valuable, grab your phone.</p> <p>Go to eBay, do a search for it, and then refine it to look for SOLD ITEMS. (Never look at current listing prices; someone could be asking $800 for an old watch, but it doesn't mean they'll ever get that.)</p> <p>Next, look at the sort order of prices from highest to lowest, including shipping. You now know what someone is willing to pay for that item. Also, do it in reverse order, from lowest to highest. This shows you what you may actually get, and if it's worth your time and money.</p> <p>By using your smartphone in this way, you take almost 90% of the guesswork out of thrifting for profit.</p> <h2>2. Be Prepared to Take Your Time</h2> <p>My best finds have come from taking my time, and looking in each section carefully. To date, my most successful purchase was a beauty product that I bought for $6 and sold for $141. I found it nestled at the back of a shelf filled with old plastic cups and plates. You can sometimes do a quick 30-minute tour on your lunch break, if you have a store close to you, but you will almost certainly miss things.</p> <p>If you want to make this a successful venture, get to know your local thrift stores well, and learn the layout. I always start in the electronics aisle, then go to toys, followed by sweaters, shirts, knick-knacks, and then books and media. That's just my routine, and it works for me. Have a plan, and scan the shelves and racks of clothes more than once. You will miss things if you just walk through in a hurry.</p> <h2>3. Know Your Best Bets</h2> <p>Over time, you will know what sells well, and what doesn't. For me, vintage sweaters, classic video games, Disney snow globes, and blank media (especially cassette tapes and computer disks) always sell quickly. You will probably have different best sellers, depending on your own level of expertise, and passion for selling the item. If you are in a rush, hunt for those items first.</p> <h2>4. Think About the Profit/Time/Work Scenario</h2> <p>If you see a product that costs $10, that will likely make $20, it's more of a risk than a product that will make the same but costs only $1. It's only a difference of $9, but the initial outlay is much smaller.</p> <p>Similarly, if you see something that costs $40 but will easily sell for $100, your outlay is greater but your return is excellent. Sometimes, as I have so much to list, I will pass on items like the first one I mentioned. It takes time to photograph and list things, and it's often not worth the effort when you could be listing something that could make you a lot more money. But once again, if the initial spend was almost nothing, that changes the game a little.</p> <h2>5. Use the Color Coded System to Your Advantage</h2> <p>Every major thrift store, from Goodwill and Savers to ARC and The Salvation Army, has a color coded system. Every item has a price tag of a specific color, and each week, one color will be 50% off (the exception is Goodwill). If you shop wisely, you can pick up some valuable items for half-price &mdash; or even one dollar. Today, I picked up four beautiful framed posters for 99 cents each. They're big, and they would cost at least $20 each in the store. I have found video gaming systems, VHS, DVD and Blu-Ray players, speakers, suits, keyboards, and even wedding dresses for just 99 cents. These are no brainers. You can easily turn a profit from them.</p> <h2>6. Keep Track of Your Expenses and Profits</h2> <p>It's easy to think you're making money when you see the sales start rolling in from eBay or Craigslist. But if you buy 10 items and only sell one of them, are you losing money? Sometimes it's not the case. Buy 10 items for $25, sell only one of them for $50, and you're in profit whether you sell the others or not.</p> <p>A simple spreadsheet (you can find free templates online) will help you. Just write down the item, what you paid, when you bought it, what it sold for, and how much it cost to ship (sometimes you may have to offer free shipping to get someone to bite). If you're always making money, you're good to go. If you buy too much, and aren't making your money back, you need to rethink your strategy.</p> <h2>7. Don't Forget Yourself and the Kids</h2> <p>Many times, you will get so focused on making money that you will forget the real reason you went to the thrift store in the first place. I have found a lot of awesome items for the home, the kids, and even myself. If you know you need something, keep a list and remember to check it before you go into the thrift store. You can even find new name-brand laundry detergents, socks, light bulbs, and gloves for a lot less than you'd pay in stores like Target or Walmart.</p> <h2>8. Examine and Test Everything</h2> <p>Thrift stores actually have a very generous return policy, usually 10 days for most items. If you don't have the chance to test something in store, do it as soon as you get home. It's not a great deal if it doesn't work (with a few notable exceptions), and you won't be able to turn a profit on a broken, torn, or stained item.</p> <p>The major exceptions are vintage electronic items, and new high-end consoles. If someone has given them to a thrift store, they are most likely broken. Still, you can get a surprising amount of money for broken electronics. I recently paid $2.99 for an old Sony Walkman and sold it as-is for over $70. There are people willing to pay for them, and do the repairs themselves. I also found a PS3 for $10. Even broken, they sell for over $50 (usually they're stripped down for parts).</p> <h2>9. Old Doesn't Mean Expensive</h2> <p>It's easy to think that older item, especially something that looks antique, can be very valuable. This is when a smartphone is invaluable. Many times, you may see a 70s board game, or 50s kitchen gadget, and think it has to be collectible. Not so. They are often very common, and you could end up losing money.</p> <h2>10. Very Valuable Is Very Rare</h2> <p>You hear stories of people finding million dollar dishes, or long lost paintings that could set you up for life. The odds of finding these items like these are about the same as winning the lottery. Thrift stores have people who usually know what to look for. Obviously, things fall through the cracks, but don't depend on a big score. Solid silver or gold jewelry, utensils, or tea sets are almost impossible to find, too.</p> <h2>11. Don't Expect Miracles Immediately</h2> <p>It takes time to get to know your thrift stores, and how to navigate them. After a few months, you'll start getting a nose for valuable items, and also know what to avoid. Put the time and effort in, and you'll find that thrift stores are a lucrative way to save, <em>and earn</em>, money for you and your family. Good luck, and happy thrifting!</p> <p><em>Do you earn money from your thrift store finds? What are your secrets?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">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/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-ways-to-market-your-side-business">6 Simple Ways to Market Your Side Business</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-important-lessons-frugal-parents-teach-their-children">7 Important Lessons Frugal Parents Teach Their Children</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/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</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/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Lifestyle side gig single parents thrift store Mon, 16 Feb 2015 18:00:08 +0000 Paul Michael 1289825 at http://www.wisebread.com Best Money Tips: How to Age Well on a Shoestring http://www.wisebread.com/best-money-tips-how-to-age-well-on-a-shoestring <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-age-well-on-a-shoestring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature-man-workout-resistance-weights-Dollarphotoclub_45115826.jpg" alt="mature man working" title="mature man working" 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 some great articles on how to age well on a shoestring, tools to help you reclaim your time, and a morning checklist for the best day ever.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.cheapism.com/blog/3379/aging-well-for-less">10 Ways to Age Well on a Shoestring</a> &mdash; Working out your muscles with resistance exercises will give you better balance, stronger bones, weight control, and improved sleep. You can save on weightlifting equipment by using cans of food or milk jugs filled with sand. [Cheapism]</p> <p><a href="http://www.carefulcents.com/reclaim-time-stop-distractions/">Reclaim Your Time: 4 Online Tools to Stop Distractions</a> &mdash; RescueTime tracks your web activity so you know how much time you spend on certain websites. [Careful Cents]</p> <p><a href="http://www.popsugar.com/smart-living/Morning-Organizational-Checklist-36228252">Have the Best Day Ever With This 10-Step Morning Checklist</a> &mdash; Doing 10 minutes of cardio in the morning jump-starts your metabolism and gives you a quick energy boost. [PopSugar Smart Living]</p> <p><a href="http://retirementrevised.com/the-10-most-important-things-to-know-about-medicare/">The 10 Most Important Things to Know About Medicare</a> &mdash; Make sure you know the difference between traditional, fee-for-service Medicare and a Medicare Advantage Plan. [Retirement Revised]</p> <p><a href="http://www.shebudgets.com/home-organizing/10-affordable-ideas-give-desk-makeover-needs/53907">10 Affordable Ideas to Give Your Desk the Makeover It Needs</a> &mdash; Store your knick-knacks in a nice tray with slightly raised sides. It will help organize your desk and make it look less cluttered! [SheBudgets]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.retiredby40blog.com/2015/02/05/3-ways-to-lower-food-costs/">3 Ways to Stop Eating Out</a> &mdash; If you find that you keep doing unplanned food runs while you're out, get into the habit of eating a nutritious, filling snack before you leave the house.&nbsp;[Retired By 40]</p> <p><a href="http://jamesclear.com/candy-checkout">Why Stores Place Candy by the Checkout Counter (and Why We Fail With New Habits)</a> &mdash; By the time you reach the checkout line, you've made so many decisions about what to buy (and not buy) that it becomes easy to give in to an impulse purchase. [James Clear]</p> <p><a href="http://www.mydollarplan.com/best-places-to-sell-your-stuff-to-make-quick-cash">Best Places to Sell Your Stuff to Make Quick Cash</a> &mdash; Half.com is great for selling your used books and DVDs. [My Dollar Plan]</p> <p><a href="http://parentingsquad.com/sharing-random-acts-of-kindness-as-a-family">Sharing Random Acts of Kindness as a Family</a> &mdash; Get the whole family involved in spreading kindness. You can organize a toy drive, pass out cups of coffee to your neighbors as the leave for work, or invite friends over and cook dinner for them. [Parenting Squad]</p> <p><a href="http://www.cleverdude.com/content/are-you-teaching-your-kids-the-right-life-skills/">Are You Teaching Your Kids The Right Life Skills?</a> &mdash; Before your kids reach adulthood, make sure they know how to cook and do laundry. [Clever Dude]</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-age-well-on-a-shoestring">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-an-easter-basket-for-a-grown-man">How to Make an Easter Basket for a Grown Man</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-look-rich-without-having-much-money">How to Look Rich Without Having Much 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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle aging best money tips Wed, 11 Feb 2015 20:00:09 +0000 Amy Lu 1289194 at http://www.wisebread.com Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father-son-soccer-park-Dollarphotoclub_61127791.jpg" alt="father son soccer" title="father son soccer" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Single parents are challenged with finding ways to cut costs wherever they can, and that reaches into so many aspects of everyday life.</p> <p>Today, one of the trickiest challenges I am faced with is how to keep my kids entertained on a budget. Sure, the TV and Xbox could keep them amused for hours on end, but I don't want to have them zoning out in front of the tube. So, with very little money for entertaining, how do you keep the young ones happy and fulfilled? Here are some ideas that I use.</p> <h2>1. Get Baking</h2> <p>There are three reasons that this is a great way to pass the time with your kids.</p> <p>First, you're teaching them a practical skill that they can use later.</p> <p>Second, you're saving money. By baking your own breads, cookies and cakes, you're not spending money on pre-packaged goods full of additives and preservatives.</p> <p>And most important of all, it's actually a lot of fun &mdash; kids love to help and get involved. They also like to see what their hard work has helped them achieve. When you taste those cookies, or a slice of warm banana bread, you'll enjoy their reactions as much as they enjoy the sweet treats.</p> <h2>2. Artwork Is a No Brainer</h2> <p>I don't just mean it's an obvious way to spend your time with the kids for next to nothing. It's also a chance to shut your brain off from all the hectic stresses of life, and be a kid again yourself.</p> <p>Set up the dining room table with paper, crayons, paints, markers, and anything else they need to be creative. Then, join in &mdash; don't just leave them to it. This is good bonding time, and you will enjoy yourself just as much as they do. I like to frame pieces of artwork that my kids have created (I only ever pay $1 for my frames at thrift stores) and have created a gallery we're all proud of.</p> <h2>3. Set Up a Home Spa</h2> <p>My girls are 10 and 8, and they love being pampered. I'm a guy, but I'm not afraid to get out the nail polish and curling irons. Put on some relaxing music, let them feel like the princesses they are, and get creative with it. You can make their nails look like bees, ladybugs, or chalkboards &mdash; it's all very easy after a while and tons of fun for everyone. And if you have little boys, don't think they don't deserve something similar. My toddler wanted his nails painted a boy-approved black and blue, and I obliged. He loved it. Older boys may not be interested, but spray-in hair colors and waxes can give you some punkish results.</p> <h2>4. The Library Is Your Friend</h2> <p>There is more to the library than just books and movies. Your library often has special events, including authors who will read aloud from their latest best sellers. They also have movie screenings, and host discussion groups and fun family activities afterwards.</p> <h2>5. Go to Museums and Parks on Free Days</h2> <p>Every museum and park will give out free passes on certain days of the year. Mark these days down on the calendar, and when they arrive, make sure you get the kids there to experience nature, or to learn about art, history, and geography.</p> <h2>6. Decorate a Bedroom</h2> <p>You can buy a few cans of &quot;oops paints&quot; for 70-80% off the regular price. Dig around whenever you're in a home improvement store, and if you find the perfect shade, you can repaint their bedrooms for under $20. But, do it with them &mdash; the older kids can do some of the big painting, while the younger kids love helping out with smaller areas. Just make sure they have on old clothes, and you have a drop cloth down. Let them have fun with it. They will love helping you paint their own room.</p> <h2>7. Volunteer</h2> <p>It's a great way to fill their time, and get them learning about life. A pet shelter is a good cause to start with. They will love seeing all the animals, and helping out with food, cuddles, and walks. You could also see if other local charities have space open for kid volunteers. It's wonderful to give back to the community, and it gives kids a sense of accomplishment and pride.</p> <h2>8. Visit a Cheap Movie Theater</h2> <p>Yes, these theaters get the movies long after the major chains have shown them. So what?! Kids shouldn't care about being the first to see it. Mine certainly don't. What they do love is the chance to go and see a new release (and it's way more affordable than seeing first-run flicks). On a recent visit to the movies, I saw <em>Big Hero 6</em> with my three kids. I bought them popcorn and slurpies, plus we shared a bag of Twizzlers. The entire outing cost a mere $29. Try doing that at a full price theater.</p> <h2>9. Get Out the Board Games</h2> <p>Sure, we live in an electronic world &mdash; but does that mean those great board games have to gather dust in the basement or garage? Dedicate one night a week to games. You can find used (and often new) board games at thrift stores for as little as $2; just check to see if they have all the pieces first. Your kids will enjoy spending time with you in a way that is more stimulating than just sitting in front of the TV.</p> <h2>10. Just&hellip; Play!</h2> <p>Hide and seek. Soccer. Tag. Charades. Twister. Name that tune. Your kids will not want to play with you forever, so cherish the times they want to be around you. You may often find yourself saying &quot;Oh, I'm too old for that.&quot; Shame on you. Sylvester Stallone is a senior citizen and he's jumping out of planes and fighting bad guys. It's just a bit of fun around the house. Who knows&hellip; you may actually enjoy yourself more than they do!</p> <p><em>Are you a single parent? In what creative, low-cost ways do you keep the kids entertained?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-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-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/14-ways-to-spend-less-money-on-valentines-day">14 Ways to Spend Less Money on Valentine&#039;s Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</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/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</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/free-ways-to-celebrate-mothers-day">Free Ways to Celebrate Mother&#039;s Day</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-romantic-inexpensive-anniversary-celebrations">5 Romantic, Inexpensive Anniversary Celebrations</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family Lifestyle entertaining kids entertainment parenting single parents Wed, 11 Feb 2015 10:31:15 +0000 Paul Michael 1285774 at http://www.wisebread.com 14 Ways to Spend Less Money on Valentine's Day http://www.wisebread.com/14-ways-to-spend-less-money-on-valentines-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-ways-to-spend-less-money-on-valentines-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-valentines-day-breakfast-Dollarphotoclub_73459350_0.jpg" alt="couple valentines day" title="couple valentines day" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're rolling your eyes at the fact that you have to loosen your wallet once again so soon after Christmas, you're not alone. Because while Valentine's Day is an excellent excuse to concentrate on reconnecting with our significant others, it's also a day that we've come to dread because of the anticipated cost of expressing such love.</p> <p>This year, however, you don't have to be a slave to the dollar sign if you're willing to put in a bit of thoughtfulness, creativity and time. Check out these 14 ways to celebrate your better half without going broke &mdash; then add your own low-cost ideas in the comments below.</p> <h2>1. Skip the Restaurant &mdash; Prepare a Home-Cooked Meal</h2> <p>My husband once tried to take me to dinner on Valentine's Day without a reservation. That's all I'll say about the situation since I'm pretty sure you can figure out how it went down after that. To avoid being frustrated and annoyed on Two-Fourteen, we now skip dining out altogether and opt to make a homemade meal instead &mdash; but one decidedly more fancy than an ordinary night's dinner.</p> <p>David Bakke, entertainment expert at personal-finance site <a href="http://www.moneycrashers.com/valentines-day-date-ideas/%3E">Money Crashers</a>, is on my side with this one &mdash; and he offers a few additional ideas on how to make the night extra special.</p> <p>&quot;If you take the time in choosing the menu &mdash; bonus if you go with your partner's favorite &mdash; you won't lose out on the sentiment, &quot; Bakke says. &quot;Plus, you'll avoid the crowds and save money. You could also build a fire and rent a few romantic movies to make the evening special while keeping costs in line.&quot;</p> <p>If you're not exactly a whiz in the kitchen, don't fret just yet. There are plenty of apps available to walk you through the cooking process. <a href="http://www.sidechef.com">SideChef</a>, in particular, is an ideal resource for step-by-step instructions on how to prepare wow-inducing meals like <a href="http://www.garlicandzest.com/bourbon-marinated-flank-steak">Bourbon-marinated flank steak</a>,<a href="http://hapanom.com/herb-roasted-cornish-game-hen/"> herb-roasted Cornish game hen</a>, and <a href="http://www.expatcucina.com/2012/10/26/lemon-baked-cod-fish/">lemon-baked cod fish</a>.</p> <h2>2. Use Daily Deals for Discounts If You'd Like to Dine Out</h2> <p>If you're a gambler and want to roll the dice by dining out on Valentine's Day, at least hedge your bets by picking up a daily-deal discount, says Bakke.</p> <p>&quot;If you want to visit a restaurant, use the websites Groupon or LivingSocial to find 50% off vouchers to local eateries,&quot; he suggests.</p> <p>But buyer beware: Some of the vouchers make have blackout dates that include holidays like Valentine's Day, so be sure to read the fine print before purchasing the discount.</p> <h2>3. Make a Handcrafted Valentine From a Favorite Memory</h2> <p>I'd much rather receive a handmade gift &mdash; even if it looks like it was made by the three-year-old trapped inside my husband's body &mdash; than an arbitrary gift that equates cost to affection. And there are innumerable ways you can make something from the heart.</p> <p>&quot;Print out a photo of your favorite memory together and glue some embellishments to an inexpensive frame,&nbsp;<a href="http://www.krazyglue.com/product/details/krazy-glue-20g-craft-gel#.VL1TSEfF-mE%3E">suggests a rep at Krazy Glue</a>. &quot;This cost-effective gift is made with love and shows how thoughtful you can be.&quot;</p> <p>Alecsy Christensen, Miss Utah USA finalist and author of the blog <a href="http://www.glittergatsby.com">Glitter Gatsby</a>, offers another dynamic idea.</p> <p>&quot;Show your valentine how much you care by gifting something special anyone can make,&quot; she says. &quot;My Valentine's Day gift idea would be '52 Things I Love About You' on a deck of cards. Write something you love about your loved one on a piece of paper, glue it to a card, do this for all 52 cards, and hole punch all the cards together and secure the cards with binder rings.&quot;</p> <p>These are gifts that keep on giving for years to come, and they let your partner know that they're worth your time and effort.</p> <h2>4. Complete Unfinished Projects Around the House in the Name of Love</h2> <p>In lieu of a gift this year, get to work and earn your partner's affect instead of buying it. Revisit your &quot;Honey Do&quot; list to see what projects still need to be completed around the house &mdash; surely there's a thing or two that needs a little TLC. You can kill two birds with one stone by going this route, if your partner appreciates the man (or woman) hours you put in.</p> <h2>5. Plan a Romantic Movie Night in With Valentine's-Inspired Snacks</h2> <p>Movie nights are a staycation staple, but they're perfectly acceptable (even better, I think) on Valentine's Day. Let your partner pick the flicks &mdash; or share the title-choosing responsibility &mdash; and prepare a few easy-to-make snacks to enjoy during the screenings. Try this <a href="https://www.hersheys.com/recipes/recipe-details.aspx?id=8447">peanut butter and chocolate-drizzled popcorn recipe</a> with only 190 calories per one cup serving, these <a href="http://insidebrucrewlife.com/2012/01/cherry-marshmallow-rice-krispy-treats/">cherry-marshmallow Rice Krispies treats</a> (which also include M&amp;Ms!), or candy shop-quality <a href="http://mrsfoxssweets.blogspot.com/2012/01/chocolate-dipped-valentines-pretzels.html">chocolate-covered Valentine's pretzel sticks</a>.</p> <h2>6. Plan a Low-Cost &quot;Experience&quot; Date to Facilitate Interaction</h2> <p>Doing is much better than saying &mdash; which is why you two need to get out and about to show your affection instead of exchanging it verbally.</p> <p>Zina Kumok, author of the blog <a href="http://www.debtfreeafterthree.com/">Debt Free After Three</a>, agrees.</p> <p>&quot;Experiences are always more valuable than things so instead of buying gifts for Valentine's Day, we try to do things together,&quot; she says. &quot;Last year we went to an arcade together. We played lots of games together and it was so fun doing something silly for a couple hours. On the way back we stopped by a flea market and walked around. It should be more about celebrating your relationship than getting a gift.&quot;</p> <p>Josh Aaron, author of the blog <a href="http://www.tobuildmyown.com">To Build My Own</a>, feels similarly.</p> <p>&quot;Don't spend anything at all,&quot; he says. &quot;Instead, give your girl an experience. Take her to watch the sunset, cook her a light but tasty dinner, use candles and romantic music, and dance with her a little bit. The key is to make her feel special. Expensive gifts help, but they aren't better than meaningful experiences that show her you care.&quot;</p> <h2>7. Get Creative and Shake Things Up in the Bedroom</h2> <p>One of the best parts of Valentine's Day is the facilitation of intimacy that's often put on the back burner the rest of the year. This year, kick your bedroom antics up a notch and get creative. I can't go into too much detail in this regard (family blog and all), but I'm sure if you put your mind to it you can put together a night to remember.</p> <h2>8. Hold Off on Buying Jewelry Until After Valentine's Day</h2> <p>Offers.com savings expert Amber Sager says &quot;if you're planning to buy jewelry for your Valentine, hold off until <em>after</em> February 14. Right after Valentine's Day, the demand for jewelry goes way down, and retailers supply huge discounts to attract customers.&quot;</p> <p>This is a tricky tactic, because what's the point of giving a gift after Valentine's Day, right? But if your partner is flexible and understanding and loves to save a few dollars just like you do, waiting to buy jewelry until the holiday has passed may result in significant savings.</p> <p>I think this is something you two should discuss in advance, however &mdash; sure, it won't be a surprise, but it's much better than saying nothing and giving nothing on February 14; disappointment will abound &mdash; so you're both on the same page in terms of expectations and perhaps can plan an alternative activity in the meantime.</p> <h2>9. Compare Prices Before You Buy Your Valentine's Gifts</h2> <p>You compare prices on almost everything else you buy &mdash; or at least you should &mdash; so why wouldn't you do it when trying to find an ideal Valentine's gift?</p> <p>&quot;Just because you found one bouquet for $100 doesn't mean it costs that much everywhere,&quot; Sager points out. &quot;Offers.com has a <a href="http://www.offers.com/valentines-day/">Valentine's Day Savings Center</a> that allows you to compare the best deals and coupons for Valentine's Day, and we update it with the best offers daily.&quot;</p> <h2>10. Create a Coupon Book That Your Significant Other Can Redeem From You</h2> <p>This is another tried-and-true low-cost gift that puts more of an emphasis on doing rather than saying.</p> <p>About an action-inspired coupon book, Sarah Edison of <a href="http://www.theloveyourjobproject.com">The Love Your Job Project</a> says some of &quot;the best Valentines Day gifts are the least expensive. The best I had was a homemade book of 'coupons' (things that my significant other would do for me), such as one free hour-long massage, no laundry duty for a week, a homemade dinner, car wash and vacuum, breakfast in bed, and other romantic gestures that don't really cost anything. This can be a great gift because it is creative and unique to your relationship.&quot;</p> <h2>11. Satisfy His or Her Valentine's Sweet Tooth With From-Scratch Baked Goods</h2> <p>Take note, gentlemen: If you ever have the pleasure of dating me in the future, you'll always win my heart with freshly baked cookies, cakes, pies, and pastries. Hope you like 'em pudgy.</p> <p>Seriously though, if you're an aspiring baker, start with these decadent, easy-to-make <a href="http://recipeforperfection.com/ultimate-deep-dish-brownies-recipe/">Ultimate Deep Dish Brownies</a> from Katie Moseman, writer at Recipe for Perfection, to make the holiday all the more delicious.</p> <h2>12. Try the $1 Anti-Commercialism Valentine's Challenge</h2> <p>Valentine's Day for $1? Seems unlikely, but if you take your cue from Angela Reed-Fox and her husband, both directors of a<a href="http://www.foxcycling.com"> cycling center in the UK</a>, you can do it &mdash; and have some fun while you're at it.</p> <p>&quot;For several years, my husband and I have taken the $1 challenge. This is mainly because he thinks V-Day is a day for businesses to make guilt money out of men, and partly because being original says 'I love you' more than picking up flowers from the garage on your way home,&quot; she says. &quot;A couple of ideas we've done in the past is an 'I love you' box &mdash; an inexpensive wooden box filled with tiny little scrolls printed with 'I love you' reasons &mdash; some of them mainstream, some more bizarre. Or using sticky notes to plant 'I love you' messages everywhere. Seriously, everywhere! That sucker in the bottom of the hole punch took months to find &mdash; but having 'I love yous' popping up well after the day itself leaves you with a lovely, warm glow.&quot;</p> <h2>13. Spring for the Practical Household Gift That Was Already on Your List</h2> <p>Instead of buying a present that doesn't have a true function, decide together that this year's Valentine's gift will be something that you both want to make your lives more convenient or something that you need to replace an old, perhaps non-working household item.</p> <p>&quot;Don't waste your money on flowers that are perishable or a fancy box of chocolate that will probably be misinterpreted because of added pregnancy weight,&quot; advises Zaida Khaze, mother of two and inventor of the <a href="http://www.wiggletot.com">Wiggletot Diaper Changer</a>. &quot;Be economical, buy the gift you already intended to buy for the home that will help save you money.&quot;</p> <h2>14. Just Go With the Flow and Find the Extra in the Ordinary</h2> <p>This is by far the best solution to saving money on Valentine's Day that I've heard in a long time. It's cute, clever, and these two seem to embrace the irony of such a simple outing on a day that otherwise can be taken over the top.</p> <p>&quot;A few years back my girlfriend (now fiance) and I were shopping at Costco on Valentine's Day,&quot; recalls Brent C., founder of personal-finance site <a href="http://www.vosa.com">Vosa.com</a> and all around awesome boyfriend. &quot;After shopping we were talking about where to go for dinner. We mutually decided on getting hot dogs at Costco, which I think are $1.50. We sat there, talked and laughed while enjoying our $3 Valentine's dinner. This has now become a tradition that we do every year, although sometimes we do spring for the chicken fingers, which totally blows the $3 budget. We make it fun, and I often joke throughout the year and especially as Valentine's Day gets closer that I better call to reserve the 'best table by the tire section' before someone else does. This year we'll be in San Diego over Valentine's Day and we are already planning our Costco hot dog dinner date &mdash; and we're planning to get a $1 churro for desert!</p> <p>&quot;I think it's possible for anyone to find fun ways to share the sentiment without breaking the bank,&quot; he continues. &quot;It's all about making it about the experience rather than the price of the dinner and wine.&quot;</p> <p>Touché. Let's all take a page from Brent's playbook this year.</p> <p><em>Do you have low- or no-cost Valentine's ideas to add? Let us know 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/14-ways-to-spend-less-money-on-valentines-day">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/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/from-5-to-30-date-ideas-for-every-budget">From $5 to $30+, Date Ideas for Every Budget</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-ways-to-save-on-a-first-date-without-looking-cheap">8 Ways to Save on a First Date Without Looking Cheap</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-cheapest-dates-that-dont-seem-so-cheap">9 Cheapest Dates That Don&#039;t Seem So Cheap</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-ways-to-celebrate-valentines-day-with-kids">10 Fun Ways to Celebrate Valentine&#039;s Day With Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle cheap dates entertainment Holidays romance Valentine's Day Fri, 06 Feb 2015 18:00:09 +0000 Mikey Rox 1285755 at http://www.wisebread.com 10 Fun Hobbies You Can Take Up for Free http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-fun-hobbies-you-can-take-up-for-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-playing-guitar-Dollarphotoclub_72599089_0.jpg" alt="woman playing guitar" title="woman playing guitar" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the new year, many of us choose to take up new hobbies to fill our free time and extend our skills. I recently looked into taking a pottery class, for example, but the $600 price tag sent me scrambling elsewhere to find some less expensive fun. Sure, a good number of fulfilling activities cost a pretty penny, but there are plenty of others you can start for free.</p> <h2>1. Exercise</h2> <p>Forget gym memberships. All you need for a great workout is yourself (and maybe a pair of shoes). You can walk or jog around your neighborhood. The web has a wealth of <a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap">free workouts</a> you can perform in your living room. Also investigate the gyms and fitness clubs around you to see if they run free weeks or classes you can try before you buy.</p> <h2>2. Read</h2> <p>All you need to become a frugal bookworm is a card to your local library. Even if your local stacks don't hold all the books you want to read, you can usually request to get most anything you want through interlibrary loans. So, sign up for <a href="https://www.goodreads.com">Goodreads</a>, research some books in whatever genre appeals to you, make a list, and slip into your reading glasses.</p> <h2>3. Write</h2> <p>If you'd rather write than read, look around the web for different <a href="https://dailypost.wordpress.com/dp_writing_challenge/">writing challenges</a> that &quot;push your boundaries&quot; and allow you to explore different topics and styles. You might also start a blog to share your words with the world (or keep it private, or for friends-only). Many regions also have writers' groups that allow you to meet up with like-minded people and get feedback on your work. Check your library, bookstore, or community calendar for details.</p> <h2>4. Play an Instrument</h2> <p>Venture into your attic and find your trumpet from high school marching band. Stop singing only in the confines of your car. There are a number of community groups &mdash; bands, orchestras, choruses, and other ensembles &mdash; that allow you to re-learn your instrument and perform in concerts. I was a member of a local philharmonic for years, and I loved having an excuse to play my violin after a 10-year hiatus.</p> <h2>5. Act</h2> <p>The same goes with community theater. Audition for lead roles or hang out with the extras in the chorus. Whatever part you play, acting allows you to meet new people, explore your creative side, and just have a lot of fun. You don't even need experience! Just search &quot;community theater&quot; and the name of the city where you live to find groups near you.</p> <h2>6. Learn a Language</h2> <p>Have you ever wanted to speak another language? I mean, beyond those few years of Italian you were required to take to graduate college? I sure have. A few years ago I taught myself French using an app and some <a href="http://livemocha.com">free online resources</a>, and I was surprised how much fun it was (and useful, too!).</p> <h2>7. Listen to Podcast</h2> <p>Move over, TV and books, I've become seriously obsessed with podcasts since Sarah Koenig's <a href="http://serialpodcast.org">Serial</a> came out. Now I've moved on to This American Life and other free radio programs and podcasts I can stream or download. I love how these programs teach me things about myself and the world around me. I can listen to them while I lay in bed or go for a jog and change subjects to suit my mood.</p> <h2>8. Volunteer</h2> <p>Doing good feels good and is certainly a thoughtful hobby to take up and enjoy. You can serve food at your local soup kitchen, help build houses, or visit the elderly. The need is great and the opportunities are endless. To find volunteering gigs near you, try sites like <a href="http://www.volunteermatch.org">VolunteerMatch</a> that sort by location and interest.</p> <h2>9. Explore</h2> <p>Take a hike &mdash; literally. Pack yourself a lunch and head out on a local trail. A friend of mine in the Adirondacks tries to reach the summit of a new mountain every couple weeks. You can also try <a href="http://www.geocaching.com/guide/">geocaching</a>, which allows you to hunt for different objects or locations using GPS coordinates.</p> <h2>10. Begin Again</h2> <p>Then there are those hobbies of years past &mdash; you have all the stuff sitting in a box somewhere. For me, it's knitting. I have countless skeins of yarn and a few different sizes of needles, assorted books, and other supplies. All I need to do is use what I have and pick up where I left off. For you, this might mean dusting off a chess set, unearthing oil paints, or rolling out that old yoga mat.</p> <p><em>Do you pursue and free or frugal hobbies? What do you do?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-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-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/the-35-best-ways-to-spend-your-free-time-frugally">The 35 Best Ways to Spend Your Free Time (Frugally)</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/14-ways-to-spend-less-money-on-valentines-day">14 Ways to Spend Less Money on Valentine&#039;s Day</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/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/kill-boredom-with-these-34-fun-and-productive-projects">Kill Boredom With These 34 Fun and Productive Projects</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/metal-detecting-for-beginners-patience-and-profit">Metal Detecting for Beginners: Patience and Profit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle cheap fun entertainment free fun hobbies pastimes Thu, 29 Jan 2015 16:00:14 +0000 Ashley Marcin 1283628 at http://www.wisebread.com 7 Money-Saving Tricks You Can Learn From Same-Sex Couples http://www.wisebread.com/7-money-saving-tricks-you-can-learn-from-same-sex-couples <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-saving-tricks-you-can-learn-from-same-sex-couples" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-gay-couple-Dollarphotoclub_44882283.jpg" alt="happy gay couple" title="happy gay couple" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>By and large, LGBT couples are the same as heterosexual couples in most facets of our relationships. We express affection, argue, celebrate, and support each other just as our straight counterparts do. Yet there's one area where same-sex and heterosexual partnerships tend to differ, sometimes significantly &mdash; and that's our finances. Being part of a same-sex couple affords certain money-saving advantages that historically have been harder for hetero couples.</p> <p>But straight couples can take advantage of these money-saving opportunities, too. Thus, to help you make the most of your relationship &mdash; and reap the financial benefits that gay couples are seizing &mdash; here are seven common ways to save that you can learn from same-sex couples.</p> <h2>1. Share Clothing, Accessories, and Grooming Products</h2> <p>Ask any gay man who's dating another gay man of similar size and style, and he'll tell that you that one of the best days of his life was when he and his boyfriend moved in together and each of their wardrobes instantly doubled. (The same applies for lesbian couples, of course.) Because when you're a dude and you're living with another dude, you automatically get to borrow whatever they have that you like. Seriously &mdash; best. day. ever. (This applies to straight-guy roommates as well, by the way &mdash; even if they won't admit it.) Straight couples, however, can't pull off this feat without raising at least a few eyebrows.</p> <p>Of course, not all of us can fit into our same-sex partner's clothes, and we don't always share a similar sense of style, so if we lose out on that windfall, chances are we can still swap accessories like watches, ties, and outerwear &mdash; a practice that can save us hundreds of dollars a year.</p> <p>Let's not forget about grooming products, either. What my husband and I have in common that a husband and wife don't is that we can use the same shampoo, conditioner, shaving cream, hair product, and cologne on a daily basis. Think about that, ladies and gentlemen: You probably have a bathroom full of &quot;his&quot; and &quot;hers&quot; products that likely dip into the thousand-dollars-per-year territory. But do you really think that that &quot;men's body wash&quot; is specifically designed just for male body parts? Sadly, only the label is, which is why you should think about taking a page from our playbook in this regard, and start consolidating where you can.</p> <h2>2. Take Advantage of &quot;Buy One, Get One&quot; Sales</h2> <p>When Victoria's Secret has a BOGO sale, who benefits? Only the person wearing the bra in the relationship. Mathematically speaking, that's two bras for one person at half their original price. If you're part of a lesbian couple, on the other hand, each lady can get one bra for themselves using this deal. It's hard to argue with those numbers.</p> <p>Personally, I love scooping up BOGO deals on shoes with my husband. We each get a pair we like, and split the total cost of the discounted bill, which renders it cheaper for each of us than if we were to absorb the total cost all alone.</p> <p>Again, this isn't a situation specific to same-sex couples, but rather one of which we're more mindful because the sale often applies to gender-specific items that heterosexual couples brush off as not pertinent to their other half &mdash; mostly because they're not in the mindset of doing so. Things like bras, I understand, but you should absolutely start thinking as a savings duo in other, more gender-neutral areas, like t-shirts or certain types of shoes.</p> <h2>3. Use the Same Loyalty Card for Similar Services</h2> <p>My husband and I typically go to the same place to get our haircut, workout, and get an oil change, among other services. And to ensure that we're maximizing our reward-earning potential via the establishments' loyalty programs, we have one account that we share so we rack up points quicker. If you and your S.O. are patronizing different establishments, thereby reducing your overall savings (sometimes by A LOT), this is another area where you two should connect and see where it makes sense to join forces.</p> <h2>4. Scale Back Life's Expensive Milestones</h2> <p>Considering the history of how same-sex relationships in America, the majority of gay people &mdash; until very recently &mdash; gave up on the idea of a traditional wedding. On one hand, it was unfortunate that we couldn't experience that rite of passage like our straight counterparts, but on the other, we saved tens of thousands of dollars that, in hindsight, is much better spent on anything else besides expensive flowers and a cake.</p> <p>Certainly I'm being facetious here, but you get the point. Just because you're a straight couple doesn't mean you have to subscribe to what our society considers the &quot;norm.&quot; If you don't like the idea of spending a small fortune on a one-day party, don't. Find someone who thinks similarly with whom to spend the rest of your life, skip the formalities, and send all your other goin'-to-the-chapel straight friends a Christmas card taken from the bow of your boat as you enjoy the sunset in Fiji. Can I get an Amen?</p> <h2>5. Put Kids on Hold Until You're Financially Stable</h2> <p>Biologically speaking, it's incredibly easy for gay couples to not have kids &mdash; but that doesn't mean that we don't want them. It also doesn't mean that I'm advising against you having them. Kids, as I understand, are a blessing to many families &mdash; but they'll also bleed you dry if you're not prepared. Things happen unexpectedly &mdash; I get it &mdash; but if you can help it, the best financial decision that you can make for your intended family is to wait until you're financially stable. That may mean that you shouldn't have kids until your late 20s or 30s, but wouldn't you rather enjoy your life with your children, instead of struggling to make ends meet for the next two decades?</p> <h2>6. Rely Less on Outside Sources in Future Planning</h2> <p>It wasn't long ago that gays experienced all sorts of financial restrictions based on our sexual orientation. Because we weren't allowed to get married until relatively recently (and some gay people still can't in certain states), we weren't privy to many tax incentives, inheritance rights, and other financial benefits for which straight couples qualified. So, homosexual couples have had to adapt financially to protect ourselves and make do without help from outside sources. It's a useful skill from which straight couples can also benefit.</p> <p>Though it's hard, try relying less on what your job or the government says you're afforded or has promised you. (If the Social Security debacle isn't a wake-up call, I don't know what is.) Thus, the only money that's really yours is the money you already have. Anything else is phantom cash that you may never see unless you start thinking differently. Save and plan accordingly.</p> <h2>7. Be a Dual Income Household</h2> <p>Though times are rapidly changing, historically women worked outside the household less often than men. That meant hetero couples often had only one income &mdash; and that gays often had dual incomes. Depending upon the nuances of your own personal household situation and preferences, having two parents working outside the home may not be realistic. But that doesn't mean your household can't have two incomes, since it's possible to earn money while working from home, for example. A second income can make all the difference in your financial futures, so explore ways to bring in extra money.</p> <p><em>In what other ways do same-sex couples maximize their finances? Please share in 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/7-money-saving-tricks-you-can-learn-from-same-sex-couples">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/25-frugal-changes-you-can-make-today">25 Frugal 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/25-frugal-things-i-do-4-spendthrift-confessions">25 Frugal Things I Do, 4 Spendthrift Confessions</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-key-to-frugality-avoid-the-fear-tax">The Key to Frugality: Avoid the Fear Tax</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugal tips lgbt same-sex couples Mon, 19 Jan 2015 14:00:19 +0000 Mikey Rox 1281377 at http://www.wisebread.com 10 Types of Friends Who Are Costing You Money http://www.wisebread.com/10-types-of-friends-who-are-costing-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-types-of-friends-who-are-costing-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girls-friends-shopping-Dollarphotoclub_68908168.jpg" alt="girls friends shopping" title="girls friends shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Our friends are some of the most important people in our lives. But have you ever considered the impact they have on your finances?</p> <p>Some friends can suck money from your wallet, even if they don't intend to. And because they're your friends, you may not even notice. (See also: <a href="http://www.wisebread.com/10-types-of-neighbors-that-are-costing-you-money?ref=seealso">10 Types of Neighbors Who Are Costing You Money</a>)</p> <p>Consider whether yours fall into any of these categories of friends that cost you money.</p> <h2>1. The Leech</h2> <p>He's more than just cheap. He's a moocher. He's always asking to borrow money. He raids your fridge, and if you go out to eat, he always insists on paying just half the check &mdash; even if he ordered more. He wants you to spot him his share of the monthly rent and promises to pay you back &mdash; but you know he won't. He'll even &quot;borrow&quot; books and DVDs that you'll never see again. You need to draw a hard line on what you'll do for this friend. Otherwise, you'll both end up suffering financially.</p> <h2>2. The Big Spender</h2> <p>If you go to a baseball game together, they insist on getting tickets behind home plate instead of in the bleachers. When you suggest a weekend of camping, they push for a week of skiing in Aspen. Perhaps this friend is wealthy and has a good chunk of disposable income. Or, perhaps they just love to spend and hate to save. Either way, keeping up with their lifestyle is making you go broke. You like this friend because you enjoy his or her company, but you must politely find a way to spend time with them on more frugal terms.</p> <h2>3. The Bad Association</h2> <p>He's always getting in trouble, and you're often dragged in his wake. He's the guy who shows up with weed at parties, or gets into fights at clubs. You can try your best to be on the straight and narrow, but just being around him can put you at risk for legal trouble. And even if your criminal record stays clean, your social media profile might not. Think you're due for a raise at work? You better hope the boss doesn't see the drunken Instagram pic your friend tagged you in.</p> <h2>4. The Awful Entrepreneur</h2> <p>She always has a new idea for something that will change the world, and all she needs is some money to get it off the ground. Maybe it's a new mobile app to help you brush your teeth, or a new restaurant specializing in gourmet scrambled eggs. You admire her entrepreneurial spirit, but the truth is that she has neither the business sense nor the dedication to get rich from any of these schemes. It may be tempting to lend money to friends for their business ventures, but don't let your friendship skew your assessment of whether the investment makes good financial sense.</p> <h2>5. The Philanthropist</h2> <p>This month, he's running in a marathon to raise money for cancer research. Next month, he's seeking donations for a local homeless shelter. He's a generous soul &mdash; and that's great! But it's important that you don't feel pressured to donate every time he comes around. You must find a way to gently tell your friend that you can't pony up cash every time he's supporting something. Keep in mind that it's possible to support his cause without giving money. For instance, consider volunteering your time to the charity in question, instead.</p> <h2>6. The Celebrator</h2> <p>I had an old friend from college who would plan parties and outings for the most innocuous of reasons. While most of us grew older and let our birthdays pass with little fanfare, he was still planning annual trips to Las Vegas well into his 30s. His over-celebrating was often excessive, but the truth is that this is something many of us fall prey to. We celebrate the new job, the promotion, the graduation from pre-school. We reward ourselves with a dinner out just because &quot;we've had a tough week.&quot; Resist the urge to celebrate every single life event, and politely beg out of those outings to which you've been invited.</p> <h2>7. The Extravagant Gift Giver</h2> <p>It's Christmas Day and you bought gifts for all of the people on your list. But then a friend arrives with expensive items for you and your entire family. Now you're on the hook to reciprocate, even if you feel like you're not close enough with this person to be exchanging gifts every year. This is a tricky situation, as it hardly seems civil to complain about a friend's generosity. But there are polite ways to nudge the person away from giving gifts. If they still insist on giving, reciprocate by inviting them to dinner or finding a tasteful but inexpensive item.</p> <h2>8. The Spending Enabler</h2> <p>So you're on the fence about whether to buy the 45-inch flat screen TV or the 70-inch monster. On one shoulder is the little Frugal Angel, telling you to buy the smaller one, or even pass on buying altogether. One the other is your friend, telling you how much you deserve the behemoth. She may mean well, but she's always pushing you to spend more. &quot;Go for it,&quot; she'll say. &quot;You work hard. Don't be afraid to spoil yourself.&quot; Never listen to the Enabling Devil.</p> <h2>9. The Early Adopter</h2> <p>This is the guy who stands in line at the Apple Store every time a new phone is released. He's the first to get every new gadget or technology out there. Hanging out with this friend can make you feel pressured to keep up. But keep in mind that Early Adopters rarely get the best deals. Don't let your friend's love of the shiny new thing influence your own buying decisions.</p> <h2>10. The Gambler</h2> <p>With this friend, a casual game of poker always seems to turn into a scene from <a href="http://www.amazon.com/gp/product/6305268789/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=6305268789&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WAXMZ27ZVOTHQLAT">Rounders</a>. His &quot;friendly&quot; fantasy football league just offers another chance for big chunks of money to change hands. He's always betting on something, and all too often you find yourself opening up your wallet to join the fun. Resist the urge to bet big bucks on things every time you hang out with this friend. You'll be better off financially (and your blood pressure may improve as well.)</p> <p><em>Do you have any &quot;friends&quot; like these? How do you deal with friends that are costing you money?</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/10-types-of-friends-who-are-costing-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-money-saving-new-years-goals-that-you-can-actually-keep">10 Money-Saving New Year&#039;s Goals That You Can Actually Keep</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/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-nice-ways-to-tell-your-spendy-friends-youre-staying-on-budget">7 Nice Ways to Tell Your Spendy Friends You&#039;re Staying on Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-dodge-peer-pressure-to-spend">5 Ways to Dodge Peer Pressure to Spend</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-whole-sorry-mess-in-one-picture">The whole sorry mess in one picture</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle Personal Development borrowing friends gambling saving spending Wed, 14 Jan 2015 18:00:09 +0000 Tim Lemke 1278625 at http://www.wisebread.com Best Money Tips: Changes to Make for Everyday Simplicity http://www.wisebread.com/best-money-tips-changes-to-make-for-everyday-simplicity <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-changes-to-make-for-everyday-simplicity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-eating-fruit-Dollarphotoclub_39170570.jpg" alt="woman eating fruit" title="woman eating fruit" 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 some helpful articles on changes we can make for everyday simplicity, common calorie myths, and actionable financial tips for millennials.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/2015/01/12-changes-can-make-everyday-simplicity.html">12 Changes We Can Make to Have Everyday Simplicity</a> &mdash; Eat simply: fruits and veggies, fish and meat, dairy products, and other basics. [Dumb Little Man]</p> <p><a href="http://www.marksdailyapple.com/7-common-calorie-myths-we-should-all-stop-believing/">7 Common Calorie Myths We Should All Stop Believing</a> &mdash; If you want to monitor your food intake, counting calories is not the most accurate way to do it. [Mark's Daily Apple]</p> <p><a href="http://www.goodfinancialcents.com/29-actionable-financial-tips-that-millennials-need-to-take-right-now/">29 Actionable Financial Tips That Millennials Need to Take Right Now</a> &mdash; The next time you get a windfall &mdash; say, a tax refund or bonus check &mdash; save it, don't spend it. [Good Financial Cents]</p> <p><a href="http://www.popsugar.com/smart-living/Questions-Ask-Declutter-34352100">8 Questions to Ask Yourself to Help You Declutter</a> &mdash; Do you have another item that serves the same purpose? Yes? Then get rid of one of them today. [PopSugar Smart Living]</p> <p><b>In case you missed it:</b> <a href="http://www.wisebread.com/the-surprising-reason-you-are-sick-tired-and-cranky">The Surprising Reason You Are Sick, Tired, and Cranky</a> &mdash; Vitamin D deficiency from a lack of sun exposure can wreak havoc on your body. For better moods, stronger bones, and higher energy, make sure you get your daily dose of sunlight. [Wise Bread]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.carefulcents.com/solopreneurs-make-priority/">5 Ways for Solopreneurs to Make Themselves a Priority in 2015</a> &mdash; Take the time to celebrate your accomplishments, big and small. Have a weekly meeting with yourself to go over all that you've done. [Careful Cents]</p> <p><a href="http://www.artofmanliness.com/2015/01/06/how-to-make-fresh-pasta/">How to Make Fresh Pasta</a> &mdash; You only need a few basic ingredients (and some patience) to make fresh past &mdash; no fancy machine necessary! [The Art of Manliness]</p> <p><a href="http://www.thesimpledollar.com/10-financial-mistakes-too-many-parents-make">10 Financial Mistakes Too Many Parents Make</a> &mdash; Making instant gratification the norm for you child can set them up for unrealistic expectations as they get older. [The Simple Dollar]</p> <p><a href="http://blog.allstate.com/networking-for-introverts/">Networking Tips for Introverts (and People Who Just Hate Networking)</a> &mdash; Asking your new contacts about their companies, and who they'd like to meet to help their businesses, is an easy way for you to seem interested and helpful without doing much talking. [The Allstate Blog]</p> <p><a href="http://parentingsquad.com/the-best-and-funniest-new-year-resolutions-for-parents">The Best (and Funniest) New Year Resolutions for Parents</a> &mdash; Finding something to do with the 400+ photos on your phone is a worthy endeavor! [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-changes-to-make-for-everyday-simplicity">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/lessons-in-simple-living-from-extreme-minimalists">Lessons in Simple Living From Extreme Minimalists</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/book-review-wabi-sabi-simple">Book review: Wabi Sabi Simple</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-is-simple-living-and-why-should-i-care">What is Simple Living and Why Should I Care?</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/simple-living-determining-your-priorities">Simple Living: Determining Your Priorities</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/simplicity-and-being-cheap">Simplicity and being cheap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips simple living Thu, 08 Jan 2015 20:00:09 +0000 Amy Lu 1278314 at http://www.wisebread.com Best Money Tips: Get Healthy and Save Money at the Same Time http://www.wisebread.com/best-money-tips-get-healthy-and-save-money-at-the-same-time <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-get-healthy-and-save-money-at-the-same-time" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-walking-bike-commute-Dollarphotoclub_73420938.jpg" alt="man biking commute" title="man biking commute" 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 some great articles on ways to get healthier and save money at the same time, celebrating New Year's without spending a dime, and awesome side business ideas for 2015.</p> <h2>Top 5 Articles</h2> <p><a href="http://christianpf.com/get-healthier-save-money/">9 Ways to Get Healthier and Save Money at the Same Time</a> &mdash; If your errands are within a mile of you, walk instead of drive. You'll save on gas and wear-and-tear on your car, plus you'll get some great exercise! [Christian PF]</p> <p><a href="http://www.everybodylovesyourmoney.com/2014/12/29/6-free-ways-celebrate-new-year.html">6 Free Ways to Celebrate the New Year</a> &mdash; Have a goal-writing session with a few of your best friends. You can bounce ideas off one another and keep each other accountable throughout the year. [Everybody Loves Your Money]</p> <p><a href="http://www.sidehustlehq.com/21-phenomenal-side-business-ideas-for-2015/">21 Phenomenal Side Business Ideas for 2015</a> &mdash; Do you have a little bit of land and a green thumb? With a little planning, you can launch an organic farm. [Side Hustle HQ]</p> <p><a href="http://www.thepennyhoarder.com/new-years-eve-party">Your Step-by-Step Guide to Throwing a Rockin' New Year's Eve Party on the Cheap</a> &mdash; New Year's Eve is all about the countdown to midnight. Set the party time to 8 or 9 p.m. so your guests can have dinner at home and come over for champagne punch and dessert. [The Penny Hoarder]</p> <p><a href="http://www.popsugar.com/smart-living/How-Make-50-23634851">7 Ways to Make $50 in a Day</a> &mdash; Check out sites like TaskRabbit and get paid to help people pick up furniture, plan their vacations, and other tasks they don't want to do. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.terrystarbucker.com/2014/12/28/7-ways-to-great-leadership-in-new-year-without-uttering-single-word/">7 Ways to Great Leadership in the New Year &mdash; Without Uttering a Single Word</a> &mdash; Be more aware of your body language. The right posture will project authority and control. [Terry St. Marie]</p> <p><a href="http://www.cultofmoney.com/2014/12/24/5-basic-money-principles-you-need-to-know/">5 Basic Money Principles You Need to Know</a> &mdash; Don't draw your self-worth from the size of your bank account. [Cult of Money]</p> <p><a href="http://www.finance.info/3-reasons-to-use-linkedin-even-if-you-have-a-job/">3 Reasons to Use LinkedIn Even If You Have a Job</a> &mdash; People share tips, advice, and breaking news on LinkedIn, so it's a great way to stay current in your industry. [Personal Finance Advice]</p> <p><a href="http://parentingsquad.com/6-tips-to-help-your-kids-survive-a-holiday-hangover">6 Tips to Help Your Kids Survive a Holiday Hangover</a> &mdash; The fun doesn't end with the holidays! Schedule January adventures so your kids will have something to look forward to. [Parenting Squad]</p> <p><a href="http://www.theessentialyoublog.com/projecting-your-flaws/">3 Ways to Tell If You're Projecting Your Flaws on Others</a> &mdash; Do you find that you're the only person who's strongly bothered by another person's &quot;flaws&quot;? If so, there might be some projection going on. [Essential You]</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-get-healthy-and-save-money-at-the-same-time">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/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-an-easter-basket-for-a-grown-man">How to Make an Easter Basket for a Grown Man</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-look-rich-without-having-much-money">How to Look Rich Without Having Much 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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips healthy Wed, 31 Dec 2014 20:00:12 +0000 Amy Lu 1275172 at http://www.wisebread.com How to Get More Sleep Without Spending More Time in Bed http://www.wisebread.com/how-to-get-more-sleep-without-spending-more-time-in-bed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-more-sleep-without-spending-more-time-in-bed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/460148049.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><em>This post is brought to you by <a href="http://r1.fmpub.net/?k1=cmx-metric&amp;k2=289%7C595%7C1530&amp;k3=disclaimer&amp;k4=&amp;r=http%3A%2F%2Fad.doubleclick.net%2Fddm%2Fclk%2F281939105%3B108256880%3Bl" rel="nofollow">Humana</a>. Click <a href="http://r1.fmpub.net/?k1=cmx-metric&amp;k2=289%7C595%7C1530&amp;k3=disclaimer&amp;k4=&amp;r=http%3A%2F%2Fclosethegap.humana.com%2Fnews-trends%2Fwear-out-your-wearable%2F%3Fcm_mmc%3DArticles-Brand-_-WiseBread-_-Underwritten1-_-TextLink" rel="nofollow">here</a> to learn more.</em></p> <p>Many people are <a href="http://www.wisebread.com/6-signs-that-youre-sleep-deprived">more sleep deprived</a> than they realize. Are you one of them? Recently, new devices promising to help track fitness and sleep have become available. Here are some ways you can get a better, more consistent night's sleep with the help of a <a href="https://closethegap.humana.com/news-trends/wear-out-your-wearable/?cm_mmc=Articles-Brand-_-WiseBread-_-Underwritten1-_-TextLink">wearable health device</a>.</p> <h2>Tracking Your Behavior</h2> <p>Do you ever examine your routine? Many devices such as <a href="http://www.fitbit.com/">FitBit</a>, <a href="https://jawbone.com/up">Jawbone UP</a>, <a href="http://www.mybasis.com/">BASIS</a>, and <a href="http://www.beddit.com/#science-small">Beddit</a> track not only your sleep but your daily fitness habits. A pedometer within these devices and apps reveals how often you walk, how often you jog, and your average heart rate throughout the day.</p> <p>Why is this important? We tend to be more mindful of our behavior when we are keeping score. If you discover that you're only walking 2,000 steps per day when the goal is 10,000 steps, you are more likely to be motivated to walk more. The gamification of the daily habits can help you become more aware of your health and more proactive in improving it.</p> <p>Monitoring your sleep using an app or device is ideal, because all you have to do is wear it. Keeping score of your body movement and rest periods will lead to discover why you are restless at night, why you don't remember your dreams, or why you're so tired in the morning. Knowledge is power.</p> <h2>Analyzing Your Sleep Pattern</h2> <p>How does sleep even work? Everyone sleeps a little differently, but there is an ideal pattern. There are five different types of sleep. The below stages cycle through the brain in loops that last between 90 and 110 minutes:</p> <ul> <li>Stage 1, in which one is drifting in and out of sleep, and can be woken easily.</li> <li>Stage 2, during which eye movement stops, with only a few bursts of movement.</li> <li>Stage 3, when the extra slow delta waves begin and sleep becomes deeper.</li> <li>Stage 4, as the brain is in almost entirely delta waves, known as &quot;deep sleep.&quot;</li> <li>REM sleep, wherein sleep waves become more rapid, heart rate and breathing quicken, and eye movement is rapid. This is when most dreaming occurs.</li> </ul> <p>Most sleep monitoring devices such as BASIS and Beddit can pinpoint when you are wakened in the night, and can usually distinguish where deep sleep ends and REM sleep begins. These are <a href="http://www.huffingtonpost.com/dr-christopher-winter/sleep-tips_b_4792760.html">important patterns to study,</a> because you can use this data to hack your sleep cycle and make it more satisfying. For example, it can tell you the <a href="http://www.dailymail.co.uk/femail/article-2587568/How-feel-refreshed-little-sleep-MUST-afternoon-nap-Never-wake-tired-again.html">optimal time for you to wake up</a>. You might be setting your alarm to wake you up in the middle of your sleep cycle, so you get out of bed groggy and slow. A minor adjustment to your wake up time (or bedtime) could mean getting up refreshed and alert.</p> <h2>Correcting Causes of Poor Sleep</h2> <p>Are you waking up too often in the night or suffer from insomnia? Some sleep monitoring devices can even combine your data with health information using cognitive behavioral therapy. Devices such as the <a href="http://www.sleeprate.com/">SleepRate system</a> can display your entire day of activity and suggest possible ways to fix the issues in your sleep cycle.</p> <p>Depending on your sleep pattern, a monitoring app or device can provide advice like the following:</p> <ul> <li>Wake up the same time every morning</li> <li>Increase exposure to natural light throughout daytime hours</li> <li>Avoid caffeine after 4pm</li> <li>Decrease napping</li> <li>Dim lights near bedtime</li> <li>Don't bring laptops, ipads, and other backlit devices to bed</li> <li>Avoid alcohol close to bedtime</li> <li>Relieve anxiety with stretching or deep breathing exercises</li> </ul> <p>With a little help from wearable tech, you can not only get a <a href="http://www.wisebread.com/7-ways-to-sleep-better-in-fewer-hours">better night's sleep</a>, but also improve your overall health and quality of life by becoming more conscious of your daily habits.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/how-to-get-more-sleep-without-spending-more-time-in-bed">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/7-ways-to-sleep-better-in-fewer-hours">7 Ways to Sleep Better in Fewer Hours</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-naturally-reset-your-sleep-cycle-overnight">How to Naturally Reset Your Sleep Cycle in One Night</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/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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fitness-for-people-who-hate-exercise">Fitness For People Who Hate Exercise</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Humana sleep Wed, 24 Dec 2014 16:00:09 +0000 Amanda Meadows 1245574 at http://www.wisebread.com 36 Workouts You Can Do in Your Living Room While It's Cold Out http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/36-workouts-you-can-do-in-your-living-room-while-its-cold-out" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-exercise-living-room-Dollarphotoclub_63851547.jpg" alt="woman exercise living room" title="woman exercise living room" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's cold enough to reasonably excuse yourself from running, but it's not too cold to workout inside. So move your coffee table out of the way, roll out your yoga mat and make your TV the focal point of your workout, because we've rounded up 36 exercises you can do in your living room. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso">These At-Home Workouts Will Give You a Gym-Quality Workout for Free</a>)</p> <p>Most of these workouts are available online for free, but don't forget Christmas time usually offers deals on videos at local retailers. You'll need a yoga mat and a few hand weights for some of the workouts. And no matter which workout is right for you, make sure you follow the instructions carefully &mdash; the last thing you want to do is pull a muscle trying to gain muscle.</p> <h2>Strength Training</h2> <p>You won't need a lot of fancy weight lifting equipment to start buffing up at home.</p> <h3>POPSUGAR Fitness</h3> <p>POPSUGAR Fitness is a fantastic source for <a href="https://www.youtube.com/user/popsugartvfit">YouTube</a> workouts. I will warn you though: Their channel is mixed with food recipes. Their <a href="https://www.youtube.com/watch?v=istOU9nxhm8">beginner strength training workout</a> is phenomenal if you don't have a lot of workout supplies &mdash; it only requires a yoga mat. It does require some coordination, but since you're in your living room and not in public, there is no need to feel embarrassed.</p> <h3>Nike+ Training App</h3> <p>If you're a woman with a smartphone, try out the free <a href="http://www.nike.com/us/en_us/c/womens-training/apps/nike-training-club">Nike+ Training Club app</a>, which acts as a personal trainer, motivator, and calorie counter. This app is great for when you don't know how to do a certain bend or lift.</p> <h3>Jillian Michaels App</h3> <p>The free <a href="https://itunes.apple.com/us/app/jillian-michaels-slim-down/id399841706?mt=8">Jillian Michaels app</a> helps you plan your workout in conjunction with a meal plan. It's like The Biggest Loser only you're the only one competing and no one is watching you.</p> <h2>Focus Areas</h2> <p>If you're trying to fix one certain part of your body, there are a plethora of body part specific workouts you can try out.</p> <h3>Abs</h3> <p>If you're looking for ab workouts, try <a href="http://www.hulu.com/watch/386209">Gaiam's Quick Fix Ab</a> workout.</p> <h3>Lower Body</h3> <p>If you're focusing on your lower body, try <a href="http://www.fitnessblender.com/v/workout-detail/Butt-and-Thigh-Workout-with-Fat-Burning-HIIT-Cardio-At-Home-Legs-On-Fire-/kd/">Fitness Blender's Butt and Thigh</a> workout or POPSUGAR's <a href="https://www.youtube.com/watch?v=KCYCHj_NGNg&amp;list=UUBINFWq52ShSgUFEoynfSwg">Tighten Your Love Handles</a> workout.</p> <h3>Back</h3> <p>Strengthen your back with <a href="https://www.youtube.com/watch?v=ql_fjjleuu8&amp;list=UUBINFWq52ShSgUFEoynfSwg">this workout</a>, also from POPSUGAR.</p> <h3>Upper Body</h3> <p>For your upper body, check out <a href="http://www.fitnessblender.com/v/workout-detail/Bodyweight-Only-Upper-Body-Workout-Killer-Arms-Shoulders-and-Upper-Back-Workout/ke/">Fitness Blender's Upper Body</a> workout (no weights needed!). And Military.com offers <a href="http://www.military.com/military-fitness/workouts/best-twenty-minute-workouts">a round-up of 20 minute workouts</a> on their website. No matter what your focus area is, make sure you give it a break at least every other day. Too much on one certain area can cause you to strain your muscles.</p> <h2>Dancing</h2> <p>I avoid Zumba like the plague because I have no rhythm and I am not quick at picking up dance moves. However, I will happily dance when no one is watching.</p> <h3>Dance Workout for Dummies</h3> <p>This <a href="https://www.youtube.com/watch?v=rEjsAW5rokA">Dance Workout for Dummies video</a> on YouTube is helpful simply because she is instructional as she dances.</p> <h3>Dance and Be Fit</h3> <p>Hulu's <a href="http://www.hulu.com/dance-and-be-fit">Dance and Be Fit</a> channel offers a plethora of choices.</p> <h3>Beyonce Dance Workout</h3> <p>If you feel like you could be the next Beyonce, check out POPSUGAR's <a href="https://www.youtube.com/user/popsugartvfit">Beyonce Dance Workout</a>.</p> <p>Most importantly, these videos require nothing but your body and an ability to laugh at yourself.</p> <h2>Military Workouts</h2> <p>If you need a little extra motivation only a drill instructor can give, you have several options.</p> <h3>Military.com Whole Body Workout</h3> <p>Military.com offers <a href="http://www.military.com/military-fitness/workouts/stuck-inside-indoor-workout-ideas">a workout for your whole body</a>. This workout focuses on everything: arms, legs, chest, and shoulders. However, the instructor recommends splitting the workouts up to give your body rest time in between certain sections. The good news is they don't have a YouTube video attached to them, so if your &quot;workout instructor&quot; gets on your nerves, this is an alternative. The bad news is that you have to pace yourself and make yourself keep going.</p> <h3>Other Boot Camps</h3> <p>Health.com also offers a <a href="http://www.health.com/health/gallery/0,,20690381,00.html">30-minute Boot Camp Workout</a> with no videos. And if you need someone yelling at you, try Exercise TV's <a href="https://www.youtube.com/watch?v=QtYgmDEddug">Boot Camp Calorie Burn</a> or XHIT Daily's Military <a href="https://www.youtube.com/watch?v=vR96MWRPwHg">Boot Camp Workout</a>, which features a British instructor.</p> <h2>Yoga</h2> <p>Yoga is the best living room workout, and if you learn from a video, you won't feel embarrassed when you don't know what happy baby is.</p> <p>Try <a href="http://myfreeyoga.com/">MyFreeYoga.com</a> or Hulu's channels <a href="http://www.hulu.com/yoga-for-everyone">Yoga for Everyone</a>, <a href="http://www.hulu.com/my-yoga-classes">My Yoga Classes</a>, or, the aptly named, <a href="http://www.hulu.com/yoga">Yoga</a>. POPSUGAR rounds up <a href="http://www.popsugar.com/fitness/Websites-Offer-Free-Yoga-Classes-21156881">a few more websites</a> that cost around $9 a month &mdash; certainly cheaper than $15-$20 a class!</p> <p>Refer to these <a href="http://www.yogajournal.com/">Yoga Journal</a> videos to make sure your poses are done correctly.</p> <h2>Pilates</h2> <p>Hulu has a great <a href="http://www.hulu.com/gaiam-pilates">Pilates channel</a> available on their website. And try out Fitness Blender's <a href="http://www.fitnessblender.com/v/workout-detail/Quick-and-Easy-Pilates-Toning-and-Flexibility-Workout/kn/">Quick and Easy Pilates Toning and Flexibility Workout</a> (which lasts less than 20 minutes and tells you how many calories you're burning as you go), or Fitness Blender's <a href="https://www.youtube.com/watch?v=gugu8jehy7A">Leg Slimming Pilates Routine</a>. eFit30 also offers a <a href="https://www.youtube.com/watch?v=vv1q-jpa5uM">30-Minute Pilates</a> workout, which is led by a delightful Aussie named Renee.</p> <h2>Total Body Workouts</h2> <p>If you're in a rush, <a href="http://www.womenshealthmag.com/fitness/total-body-workouts">this five minute workout</a> from Women's Health is perfect for you. This workout has five steps, which you do 50 seconds apiece, taking a 10 second rest in between.</p> <p>Gaiam Fitness on Hulu also offers a <a href="http://www.hulu.com/watch/510380">total body workout</a> for those with a little more time.</p> <p>Men's Fitness offers <a href="http://www.mensfitness.com/training/workout-routines/8-at-home-workouts-to-lose-weight-and-build-muscle">eight different workouts</a> you can do at home. Some do require dumbbells, but a lot are possible with just you.</p> <h2>Pinterest Workouts</h2> <p>If videos aren't your thing, try what I'm calling a &quot;Pinterest&quot; workout. You know, one of those workouts made in Paint that will make you feel bad about your recipe board. There is the <a href="https://makinghealthahabit.files.wordpress.com/2011/10/workout6.jpg">100 Workout</a>, the <a href="https://s-media-cache-ak0.pinimg.com/236x/7b/c1/c5/7bc1c5f0e6c2f01a695dc80b214cf804.jpg">&quot;Everytime You See This&quot; Workout</a>, the <a href="https://s-media-cache-ak0.pinimg.com/736x/e2/55/ab/e255ab0de4298184fe191723d710df14.jpg">Quick Morning Workout</a>, the <a href="http://1.bp.blogspot.com/-ZPDmsOQRHhw/UhLQrxC9gnI/AAAAAAAABTA/3BveEI0PvjM/s1600/Quick+Fix+Workout.png">Quick Fix Workout</a>, the <a href="http://iheartvegetables.com/wp-content/uploads/2013/07/10-minute-circuit-workout-.jpg">10 Minute Circuit</a>, and <a href="https://www.pinterest.com/search/pins/?q=fitness%20workouts&amp;term_meta%5B%5D=fitness%7Ctyped&amp;term_meta%5B%5D=workouts%7Ctyped">numerous others</a>.</p> <p><em>What do you use to workout at home? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">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/if-youre-doing-these-4-exercises-your-workouts-are-worth-nothing">If You&#039;re Doing These 4 Exercises, Your Workouts Are Worth Nothing</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/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-getting-the-best-morning-workout">7 Tips for Getting the Best Morning Workout</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/25-reasons-why-you-should-take-a-walk">25 Reasons Why You Should Take a Walk</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-ways-to-create-a-great-home-gym">6 Ways to Create a Great Home Gym For Less</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle exercise fitness free workouts home gym workouts Tue, 16 Dec 2014 18:00:08 +0000 Jennifer Holder 1268204 at http://www.wisebread.com Best Money Tips: Morning Routines of Successful People http://www.wisebread.com/best-money-tips-morning-routines-of-successful-people <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-morning-routines-of-successful-people" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-morning-routine-461522321-small.jpg" alt="man morning routine" title="man morning routine" 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 some great articles on routines that successful people do every morning, Black Friday buzzwords that make you spend more, and productivity pick-me-ups to help you get things done.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.personalincome.org/routines-of-successful-people/">15 Routines Successful People Do Every Single Morning</a> &mdash; Make a list of your affirmations and long-term goals, and display it somewhere obvious so that you'll see it &mdash; and review it &mdash; every single day. [Personal Income]</p> <p><a href="http://timemanagementninja.com/2014/11/12-quick-productivity-pick-me-ups">12 Quick Productivity Pick-Me-Ups</a> &mdash; Turn your work into a game! Challenge yourself to finish tasks by a deadline you set for yourself. [Time Management Ninja]</p> <p><a href="http://www.creditsesame.com/blog/black-friday-buget-killers/">Buyer Beware: Black Friday Retail Buzzwords &amp; Holiday Budget Killers</a> &mdash; Retailers use phrases like &quot;while supplies last&quot; and &quot;limited supplies&quot; to make you think you're in a competition with other shoppers. [Credit Sesame]</p> <p><a href="http://www.popsugar.com/smart-living/Good-Habits-Introvert-35368213">10 Habits of Successful Introverts</a> &mdash; Introverts tend to be self-driven and don't need much help to get things done, making them valuable assets in a professional setting. [PopSugar Smart Living]</p> <p><a href="http://www.kiplinger.com/article/real-estate/T029-C001-S003-protect-your-home-from-pricey-winter-problems.html">Protect Your Home From Pricey Winter Problems</a> &mdash; Remove any dead or damaged tree limbs before they become brittle from the cold and fall on power lines or your home. [Kiplinger]</p> <h2>Other Essential Reading</h2> <p><a href="http://couponpal.com/blog/the-20somethings-guide-to-hosting-thanksgiving-staying-sane-7-essential-tips">The 20-Something&rsquo;s Guide to Hosting Thanksgiving &amp; Staying Sane: 7 Expert Tips</a> &mdash; It's not every day that you host a big party, so you may not have enough silverware to go around. Don't be afraid to ask your friends or family if you can borrow common utensils, especially if they'll be at your party anyway. [CouponPal]</p> <p><a href="http://parentingsquad.com/6-fun-and-easy-diy-thanksgiving-centerpieces">6 Fun and Easy DIY Thanksgiving Centerpieces</a> &mdash; A candle holder made of cranberries and small branches make for a striking Thanksgiving display! [Parenting Squad]</p> <p><a href="http://blog.readyforzero.com/defining-financial-values-is-crucial-heres-a-template-to-help-determine-yours/">Defining Financial Values Is Crucial &ndash; Here&rsquo;s a Template to Help Determine Yours</a> &mdash; Defining your financial values gives you a deeper understanding of your financial goals. [Ready For Zero]</p> <p><a href="http://moneyning.com/debt/4-mental-roadblocks-that-prevent-you-from-paying-off-debt/">4 Mental Roadblocks That Prevent You From Paying Off Debt</a> &mdash; Don't think that you're a failure just because past attempts to pay off debt were less than successful. [MoneyNing]</p> <p><a href="http://www.moneyunder30.com/asset-allocation-for-investors-under-thirty">Asset Allocation for Young Investors</a> &mdash; How you allocate your assets depends on how much time you have to invest and how much risk you can tolerate. [Money Under 30]</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-morning-routines-of-successful-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/5-things-millennials-do-later-than-previous-generations-did">5 Things Millennials Do Later Than Previous Generations Did</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-worst-things-good-employees-do">The 8 Worst Things Good Employees 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/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</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-make-an-easter-basket-for-a-grown-man">How to Make an Easter Basket for a Grown Man</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips morning routine success Tue, 25 Nov 2014 22:02:17 +0000 Amy Lu 1260293 at http://www.wisebread.com 12 Ways to Tell the Difference Between Being Frugal and Being Cheap http://www.wisebread.com/12-ways-to-tell-the-difference-between-being-frugal-and-being-cheap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-tell-the-difference-between-being-frugal-and-being-cheap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/thrift-store-shopping-iStock_000034802126Small.jpg" alt="thrift shopping" title="thrift shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's a thin line between being frugal and being cheap, but how do we know when we're in danger of crossing it?</p> <p>Being frugal is being resourceful and savvy about how you spend your money, whereas being cheap is trying to cut corners to the detriment of yourself or others just so you don't have to spend money. Take a look at some of these frugal versus cheap examples, and let me know if you agree in the comments below.</p> <h2>1. Ordering Wisely at Restaurants vs. Eating Like a King and Skimping on the Tip</h2> <p>It's perfectly acceptable to be frugal at a restaurant by ordering less expensive dishes or appetizers to serve as your main meal. It's completely out of line, however, to order the most expensive dishes on the menu and then skimp on the tip; if you can afford a $26 steak and a glass of scotch, you can afford at least a 15% tip for decent service (more if the service was above and beyond). I've seen it many times over, and there's a special name for cheap people like that.</p> <p>Likewise, don't be the jerk that goes out to eat with friends and doesn't order anything but then picks off other people's plates. That's a good way to get your hand stabbed with a fork if you're dining with me.</p> <h2>2. New Underwear/Sneakers vs. Thrift Shop Underwear/Sneakers</h2> <p>Underwear and sneakers aren't exactly cheap these days, especially if you want halfway decent pairs. I try to shop for these items thoughtfully, keeping in mind that the quality, often more expensive items will probably last longer. I also try to find any deals and coupons that I can use before I can go shopping to offset the higher cost. Conversely, shopping at thrift shops for these particular items isn't just cheap, it's downright disgusting. It doesn't matter your financial state: you should buy new, clean underwear &mdash; always. And with shoes, you run the risk of having to replace them more often because they've already been through the ringer.</p> <h2>3. Turning One Two-Ply Toilet Paper Roll Into Two One-Ply Rolls</h2> <p>I really hate buying toilet paper because it's the epitome of flushing money down the drain &mdash; but it's one of those necessary evils that I just have to suck up and deal with. As much as I hate it though, I still buy fairly high-end TP because my bum deserves it. Because of my penchant for quilted softness then, I always buy in bulk with a coupon or discount from a savings app. That's the frugal way to do it. The cheap alternative &mdash; and, honestly, I don't know if it gets any cheaper than this &mdash; is to buy bottom-of-the-barrel two-ply paper so you can create two one-ply rolls. I feel like this practice is a recipe for a lifetime of bachelorhood &mdash; and deservedly so.</p> <h2>4. Buying Day-Old/Clearance Food vs. Freeganism</h2> <p>I've purchase clearance food items from the grocery store in the past, and I've recommended it in some of my articles. I've also visited secondhand food stores, like the Wonder Bread Bake Shop outlet and the Pepperidge Farm Outlet Center to score deals on perfectly edible food that just may not be as fresh-from-the-oven as I would prefer. Ya take the good, ya take the bad. But one thing I will never do &mdash; at least while I can afford to buy food &mdash; is adopt a life of freeganism, which is the practice of eating discarded food, ie. food from trash cans and dumpsters. The cheapness level here is Code Red, and its grossness is up there with the thrift shop underwear.</p> <h2>5. Making a Homemade Gift vs. Regifting an Arbitrary Gift</h2> <p>The holidays are a hard time financially for many people, and it's perfectly okay to be frugal when deciding on gifts. If you can't afford to buy presents, use your resources to make gifts that recipients' will appreciate because of the thought you put into it. Admittedly I like receiving &quot;things,&quot; but I've never received a handmade gift that I didn't love. Regifting is okay too&nbsp;<span style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22.1000003814697px;">&mdash;</span>&nbsp;if it's done properly.</p> <p>If you plan to regift, take a couple things into consideration:</p> <ul> <li>The regift should never go back to the person that gave it to you originally.</li> <li>The regift should be thoughtfully gifted.</li> </ul> <p>If you're regifting a gift just to give somebody something for the purpose of giving somebody something, that's not only cheap, but it's terribly rude. (And if you ever do it to me, I will totally judge for it forever.)</p> <h2>6. Watering Down Liquid Soaps and Shampoos to Make It Go Further</h2> <p>How much money are you saving by watering down your shampoos and liquid soaps? Like 30 cents? I'll give you 30 cents if I can just wash my hands at your house with full-strength soap that I know is cleaning me. To avoid being a cheapskate in this regard, buy in bulk, find coupons and discounts, and look for store brands instead of higher-priced name brands.</p> <h2>7. Buying Inexpensive Permanent Dishes vs. Rewashing Plasticware</h2> <p>I've purchased full sets of dishes on clearance at Target for $16 in the past, which have lasted me many years. Which is why I'm always surprised at people who strictly buy plastic plates, cups, and utensils (which are meant to be disposable), and wash and rewash them like they're acceptable adult dining ware. Eventually these plastic farces will melt, crack, and otherwise end up in the trash. So while you think you're saving money in the short-term (by being cheap), you're actually spending more in the long-run than you would if you just bought grown-up dishes.</p> <h2>8. Enjoying Free Refreshments vs. Stuffing Your Pockets With Them</h2> <p>If you're attending an event where free refreshments will be available, it's absolutely fine and frugal to decide to make your meal from whatever's available while you're there. If you're a human person with food in the fridge at home and you make a decent-enough living and you're stuffing your pockets with the free food that's offered so you can make three or four meals out of it, you're cheap and you're stealing and I will totally tell security on you.</p> <h2>9. Paying for a Trial Online Dating Subscription vs. Trying to Trick the System by Distorting Your Contact Information</h2> <p>Rochelle Peachey runs the transatlantic dating site<a href="http://www.iloveyouraccent.com"> I Love Your Accent</a>, and she sent me her take on the difference between being frugal and cheap. &quot;Joining a dating site for just one month is frugal,&quot; she wrote. &quot;Making a profile and writing your email address backwards or adding your Facebook details to avoid paying is cheap &mdash; especially if you are trying to meet someone across the pond.&quot;</p> <p>To clarify her point, many online dating services require a subscription for users to exchange personal contact information &mdash; that's how they make their money and build the community. Without a subscription, the service will block attempts to share phone numbers, email addresses, etc. Some people, however, try to trick the system and save on subscription fees by distorting their information (like spelling out their phone number in letters and characters) to avoid paying for a membership &mdash; which probably isn't the best first impression to make when you're looking for someone to go out with you.</p> <h2>10. Turning One Admission Stamp Into Two With the Lick of a Wrist</h2> <p>I heard a story once about a guy so cheap that when he went to the club with his buddy, he made his buddy lick his wrist after paying and receiving the admission stamp to transfer the admission stamp to him. They both got into the club, but only one of them paid. That's not only super cheap, but also disgusting. One of them should definitely reevaluate that friendship &mdash; and see a doctor.</p> <h2>11. Researching an Inexpensive Company vs. Accepting the Lowest Bid</h2> <p>As a homeowner, I sometimes have to hire contractors to do work around the house, and I like to consider all my options. I use sites like Angie's List and Home Advisor to find the right person for the job while also trying to mind my budget. I don't always get the lowest price I was hoping for, but being frugal means making the right decision after considering all factors &mdash; not just saving money.</p> <p>Being cheap in this situation and automatically choosing the lowest bid can go south very quickly, and more times than not it will result in a higher fee in the end because you've had to a hire a second contractor to fix the first contractor's cheap mistakes. Sometimes you have to suck it up and pay a little extra to have it done right the first time. Cheap is a huge headache in this case.</p> <h2>12. Pre-Gaming vs. Smuggling Alcohol Into the Venue</h2> <p>All you twenty-somethings out there can learn a thing or two about the difference between being frugal and being cheap from Alex Zaragoza, a spokesperson for the coupons and deals site <a href="http://www.clicksnm.com/">ClickSNM.com</a>. He brought up a good point about alcohol etiquette when going out. &quot;Having drinks at home before going out at night is frugal,&quot; he says. &quot;Smuggling your own alcohol to a bar is cheap.&quot; You've seen it, I've seen it, and it's embarrassing for all of us every time.</p> <p><em>What are some other instances that tell the difference between being frugal and being cheap? Please share in 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-ways-to-tell-the-difference-between-being-frugal-and-being-cheap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/wisdom-from-my-favorite-frugal-tv-character-julius-rock">Wisdom from My Favorite Frugal TV Character - Julius Rock</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/cheap-and-romantic-ideas-for-valentines-day-and-any-other-day-of-the-year">Cheap and Romantic Ideas for Valentine&#039;s Day (And Any Other Day of the Year)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</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/make-a-crafty-airbrush-out-of-old-junk">Make a crafty airbrush out of old junk</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-wasteful-things-that-frugal-people-do">10 Wasteful Things That Frugal People Do</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle cheap frugal too frugal Mon, 03 Nov 2014 17:00:05 +0000 Mikey Rox 1248516 at http://www.wisebread.com 5 Things Millennials Do Later Than Previous Generations Did http://www.wisebread.com/5-things-millennials-do-later-than-previous-generations-did <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-millennials-do-later-than-previous-generations-did" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young-couple-buying-home-153215091-small.jpg" alt="young couple buying home" title="young couple buying home" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For millennials &mdash; young adults ages 18 to 33 &mdash; life unfolds a bit more slowly than it did for previous generations. Blame it on their entrepreneurial spirit or the Great Recession, but either way millennials have been hitting life's landmarks &mdash; marriage, mortgages, babies &mdash; at a rate that's startlingly delayed from the timetables followed by every generation before them. (See also: <a href="http://www.wisebread.com/the-5-most-important-financial-lessons-people-learn-in-their-20s-did-you?ref=seealso">The 5 Most Important Financial Lessons People Learn in Their 20s</a>)</p> <p>Read on for our roundup of the things millennials are putting off &mdash; and social scientists' best guesses as to why.</p> <h2>1. Buying a Home</h2> <p>The <a href="http://www.trulia.com/trends/2014/09/millennials-leaving-nest/">homeownership rate among young adults ages 18 to 34 dropped</a> this year to a new low of 13%, according to U.S. Census Data. Meanwhile, nearly a third of young adults in this age bracket are living at home with their parents. And instead of buying or renting, those who do leave Mom and Dad's basement are more often bunking with friends or siblings. Experts say the hurting job market and high lending rates are among the top culprits of this shortage in home sales.</p> <h2>2. Saying &quot;I Do&quot;</h2> <p>More than <a href="http://money.cnn.com/2014/07/20/news/economy/millennials-marriage/">30% of millennial women are on track to remain unmarried</a> by their 40th birthday, according to Urban Institute research. That's double the rate of unwed 40-year-old women from Gen X. The reasons are societal. Where marriage used to mark the start of adult life, today's millennials typically embark on that journey as single college students. Increasingly millennials have come to believe they can coexist with a partner and raise a family without the vows and white gown. College educated millennials, however, are more likely to marry than those without higher degrees.</p> <h2>3. Making Babies</h2> <p>Millennial women are putting off motherhood at higher rates than any previous generation, and experts say it's largely because they're focusing on getting their financial footing before even thinking about building a family. In fact, <a href="http://www.pressherald.com/2014/09/22/lower-u-s-birth-rate-here-to-stay-millennials-putting-off-motherhood/">the birth rate among women 20 to 24 is at an all-time low</a>, according to Brookings Institution research. Women in particular are making more time for career and education before becoming pregnant. For each year motherhood is put off, career earnings increase by 9%, according to an economics expert from the University of Virginia in Charlottesville.</p> <h2>4. Building Loyalty to a Company</h2> <p><a href="http://www.payscale.com/gen-y-at-work">Millennials change jobs every two years</a>, more than twice as often as the generation before them. In fact, studies show that 78% of twenty-somethings not only want to swap jobs, they're looking to change careers&nbsp;<span style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22.1000003814697px;">altogether</span><span style="font-size: 13px; line-height: 1.7em;">. What they're on the hunt for is fulfilling assignments, opportunities to enrich their skill set, and, above all, greater flexibility.</span></p> <h2>5. Buying a Car</h2> <p>&quot;Unlike baby boomers and Generation X, it's from the internet that millennials derive their sense of freedom, not from owning cars,&quot; writes Bloomberg View contributor Leonid Bershidsky. And we've got numbers to back it up: Adults between the ages of 21 and 34 <a href="http://www.theatlantic.com/magazine/archive/2012/09/the-cheapest-generation/309060/">bought just 27% of all new vehicles</a> sold in America in 2010, down from a peak of 38% in 1985, The Atlantic reports. Instead, Bershidsky writes, millennials are more interested in smartphone apps that can connect them to carsharing services, public transportation offerings, and maps that direct them to the nearest and best sushi spot.</p> <p><em>What are you waiting for? Please share in comments!</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-things-millennials-do-later-than-previous-generations-did">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/need-to-lose-some-weight-put-some-money-on-it">Need To Lose Some Weight? Put Some Money On 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/successful-men-carry-these-7-things-around-with-them-do-you">Successful Men Carry These 7 Things Around With Them — Do You?</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-4-most-effective-times-for-setting-a-new-goal">The 4 Most Effective Times for Setting a New Goal</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-interesting-ways-technology-can-help-you-buy-a-home">6 Interesting Ways Technology Can Help You Buy a Home</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-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle goals milestones millennials success waiting Thu, 30 Oct 2014 17:00:05 +0000 Brittany Lyte 1246353 at http://www.wisebread.com The NFL's 5 Most Frugal Players http://www.wisebread.com/the-nfls-5-most-frugal-players <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-nfls-5-most-frugal-players" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/american-football-iStock_000033233020Small.jpg" alt="american football" title="american football" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Professional football players are among the highest-paid people in America, and yet the story of the bankrupt NFL retiree is so common it's become a stereotype. Sports Illustrated reported that 78% of former <a href="http://www.si.com/vault/2009/03/23/105789480/how-and-why-athletes-go-broke">NFL players experience financial hardship</a> after just two years of retirement.</p> <p>That's no great wonder, when you read about rampant spending of newly rich players, like Chad Ochocinco spending $100,000 for his own <a href="http://bleacherreport.com/articles/775852-7-most-ridiculous-purchases-in-nfl-history/page/2">personalized semi truck</a>. Other players lend to friends and family who see their new salaries as limitless lending accounts, or, as inexperienced investors, sink money into ventures that never pay off.</p> <p>So it's refreshing to hear these five players &mdash; well compensated all &mdash; talk about gas mileage, retirement accounts, and distinguishing &quot;needs&quot; from &quot;wants.&quot; Read on to see who makes the list of the NFL's Most Frugal.</p> <h2>1. Aaron Rodgers</h2> <p><strong>Team</strong>: Green Bay Packers</p> <p><strong>Position</strong>: Quarterback</p> <p>As one of the NFL's top quarterbacks, Rodgers earns about <a href="http://www.forbes.com/profile/aaron-rodgers/">$22 million a year</a> in salary and endorsements. Yet he lives in a relatively ordinary &mdash; <a href="http://www.celebrityhousepictures.com/aaron-rodgers.php">some might even say ugly</a> &mdash; home in a suburb of Green Bay. He <a href="http://www.usatoday.com/story/sports/nfl/packers/2013/06/09/quarterback-aaron-rodgers-q-and-a-mike-mccarthy-/2404843/">mows his own lawn</a>, shops at Piggly Wiggly, and likes to hang out at a modest-looking place called Chives Restaurant.</p> <h2>2. Giovani Bernard</h2> <p><strong>Team</strong>: Cincinnati Bengals</p> <p><strong>Position</strong>: Running Back</p> <p>Bernard signed a $5.253 million dollar contract in 2013, plus a $2.2 million signing bonus &mdash; hefty for a rookie. But instead of buying a custom Hummer with his first paycheck, he <a href="http://sports.yahoo.com/blogs/nfl-shutdown-corner/giovani-bernard-lives-simple-rookie-life-including-driving-223332867.html">drives a minivan</a> he borrowed from his girlfriend's mother. He lives in a modest apartment near the stadium.</p> <p>Bernard knows how unexpectedly hard times can turn life upside down. After his mother died when he was a child, Bernard lived with his father, who owned a dry cleaning business. But when Bernard was in high school, his dad lost the business &mdash; and the two <a href="http://www.providencejournal.com/sports/patriots/content/20141004-trip-to-foxboro-reunites-giovani-bernard-with-friend-who-once-provided-a-home.ece">lost their home</a>. Bernard moved in with the family of his best friend, James White, now a <a href="http://projostats.projo.com/fb/playerstats.asp?id=27658&amp;team=17">running back for the New England Patriots</a>.</p> <h2>3. Antonio Cromartie</h2> <p><strong>Team</strong>: Arizona Cardinals</p> <p><strong>Position</strong>: Cornerback</p> <p>After <a href="http://www.newsday.com/sports/football/jets/antonio-cromartie-an-unlikely-mentor-for-younger-players-dealing-with-financial-issues-1.5386541">blowing an estimated $5 million</a> in his first two years playing football on nine (NINE!!) cars, lavish jewelry, and two homes, Cromartie realized he had spent everything he had coming to him. Instead of spiraling into debt, though, Cromartie wised up, sold the excess stuff, and bought a Prius.</p> <p>&quot;I'll fill it up every two and a half weeks or so, and I'm only spending 33 bucks, while everybody else is spending 80 or 90 bucks a tank,&quot; he told Newsday. &quot;Right now, I'm all about saving money.&quot;</p> <p>He'll need it: Cromartie is the father of 10.</p> <p>Cromartie now has his retirement account fully funded through age 100, and he advises younger teammates on how to avoid making the same mistakes he did.</p> <h2>4. Rod Smith</h2> <p><strong>Team</strong>: Denver Broncos (retired)</p> <p><strong>Position</strong>: Wide Receiver</p> <p><a href="http://www.forbes.com/sites/aliciajessop/2012/10/31/not-broke-how-nfl-players-stay-financially-stable-after-the-game-ends/">Smith told Forbes</a> that he lives well in retirement because he always kept his post-NFL life in mind during his playing days, which led him to avoid spending like some of his teammates did: &quot;The most luxurious thing I bought was my house. I wasn't a big jewelry or car guy. I don't have Ferraris and Bentleys. I had a motto that I lived by, 'There are two places I want to look good at: home and practice.'&quot;</p> <h2>5. Prince Amukamara</h2> <p><strong>Team</strong>: New York Giants</p> <p><strong>Position</strong>: Cornerback</p> <p>Amukamara isn't just a professional football player, he's also <a href="http://sports.yahoo.com/blogs/shutdown-corner/outside-game-prince-amukamara-royal-lineage-explains-name-205803570&mdash;nfl.html">Nigerian royalty</a>. Really. And no, he didn't email me about how I could get $100,000 if only I helped him transfer some money.</p> <p>Despite his paycheck and his pedigree, Amukamara isn't a wild spender.</p> <p>Back in 2011, just after leaving the Nebraska Cornhuskers for the NFL, he tweeted that he was &quot;<a href="https://twitter.com/PrinceAmukamara/status/136273464746184704">looking at getting a good deal at Husker Auto</a>.&quot; Apparently he proceeded directly to the <a href="http://www.budgetinginthefunstuff.com/prince-amukamara-a-frugal-football-rookie/">used car section</a> and successfully bargained for a lower price on an SUV by paying cash.</p> <p>A subsequent <a href="http://www.reddit.com/r/nfl/comments/2d5zh7/i_am_prince_amukamara_new_york_giants_cb_and/">&quot;Ask Me Anything&quot; session on Reddit</a> revealed more signs of Amukamara's frugal nature. He said the most common mistake NFL rookies make is &quot;Spending their money on 'wants' and not 'needs'.&quot; He also said that his favorite place to visit when he plays in California is In-N-Out Burger, where meals are under $10.</p> <p>Being thrifty is not the same as being a tightwad, though. Amukamara once spent<a href="http://www.sportsmedia101.com/newyorkgiants/2012/07/20/new-york-giants-prince-amukamara-donates-10000-to-nebraska-high-school-football-program/"> $10,000 outfitting a Nebraska high school football team</a>.</p> <p><em>Have you heard any tales of frugal-minded sports stars? Please share in comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/the-nfls-5-most-frugal-players">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-15"> <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-same-actions-will-produce-the-same-results-ten-tenets-for-arranging-your-rich-part-2">The Same Actions Will Produce The Same Results (Ten Tenets for Arranging Your Rich: Part 2)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-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> <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/ten-tenets-for-arranging-your-rich-part-1-rich-is-relative">Ten Tenets for &quot;Arranging Your Rich&quot; - Part 1: Rich is Relative</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-dumb-401k-mistakes-smart-people-make">5 Dumb 401(k) Mistakes Smart People Make</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle frugal lifestyle retirement saving thrift wealth Wed, 29 Oct 2014 17:00:08 +0000 Carrie Kirby 1245699 at http://www.wisebread.com