Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US The 5 Best Sunscreens http://www.wisebread.com/the-5-best-sunscreens <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-sunscreens" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wearing_sunscreen_000019666669.jpg" alt="Woman wearing best sunscreen at the beach" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Spending some time in the sun is a great way to improve your mood, improve your health, get some much-needed vitamin D, and give you a better outlook on life. However, being in the sun can also expose your delicate skin to damaging UVA and UVB rays. This can cause skin damage, can increase your risk of skin cancer, and can cause your face and skin to age prematurely. To prevent this type of damage, it is important to find a quality sunblock that you enjoy wearing and feel confident can protect your skin.</p> <p>Sunscreen should be applied liberally whenever you&rsquo;re in the sun: all day, everyday, at any age. Nobody is safe from the sun, so it&rsquo;s important to protect your skin every day of your life. Along with wearing sunscreen on your face and body, you should also seek shade when the sun is out, cover up with protective clothing, wear a hat, and wear sunglasses with UV absorption to better protect yourself from the sun.</p> <h2>What Is Sunscreen?</h2> <p>Sunscreen is a topical cream, lotion, gel, or spray that can be applied to the face and body to protect your skin from the damaging effects of the sun. It is always a good idea to combine products that contain SPF with sunscreen for optimal sun protection. Sunscreen works by absorbing or reflecting the sun&rsquo;s ultraviolet (UV) radiation so that it cannot reach the deeper layers of the skin.</p> <p>To get the most from your sun protection, it is important to find sunscreen with SPF 30 or higher. We have covered some of the best sunscreens, so that you can protect yourself from UVA and UVB rays, prevent sun damage, and hydrate your skin all at once.</p> <h2>Top 5 Sunscreens</h2> <h3>Blue Lizard Sensitive Sunscreen SPF 30+</h3> <p><a href="http://www.amazon.com/gp/product/B003AVNK0S/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003AVNK0S&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZHILK4EUOODW3YWL"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/blue%20lizard.jpg" width="105" height="240" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in sports sunscreen and one of TotalBeauty.com&rsquo;s top sunscreen choices, <a href="http://www.amazon.com/gp/product/B003AVNK0S/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003AVNK0S&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZHILK4EUOODW3YWL">Blue Lizard Sensitive Sunscreen SPF 30</a>+ is gentle enough even for sensitive skin and can be used everyday on both the face and body. This classic dermatologist-recommended sunblock uses only high quality natural minerals for broad spectrum UVA and UVB skin protection.</p> <p>It is also paraben-free, fragrance-free, and chemical-free. Both the sunscreen and the bottle itself can help protect you from the sun. That&rsquo;s because the patented BPA-free Smart Bottle turns blue in the presence of harmful UV rays and becomes a deeper blue color with the presence of more UV rays, so you&rsquo;ll know when you&rsquo;re in danger and have an automatic reminder to apply your sunscreen.</p> <p><a href="http://www.amazon.com/gp/product/B003AVNK0S/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003AVNK0S&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=ZHILK4EUOODW3YWL"><em>Currently $24.45 on Amazon</em></a></p> <h3>La Roche-Posay Anthelios 60 Ultra Light Sunscreen Fluid for Face</h3> <p><a href="http://www.amazon.com/gp/product/B002CML1XE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002CML1XE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VDCKTBV3DCATMOHW"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/la%20roche.jpg" width="86" height="240" align="right" alt="" /></a>The award-winning <a href="http://www.amazon.com/gp/product/B002CML1XE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002CML1XE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VDCKTBV3DCATMOHW">La Roche-Posay Anthelios 60 Ultra Light Sunscreen Fluid for Face</a> is Consumer Reports&rsquo; top sunscreen pick with a 100% rating and was also chosen as a top pick by TotalBeauty.com and ConsumerSearch. This dermatologist-recommended sunscreen is ideal for normal, oily, combination and sensitive skin, and offers a powdery matte finish.</p> <p>This fast absorbing, water-resistant sunscreen is fragrance-free, PABA-free, non-comedogenic, and comfortable to wear. It offers broad spectrum UVA/UVB protection and SPF 60 to protect the skin from UV-induced skin damage. It features Cell-Ox Shield, which can protect your skin at the cellular level, as well as an advanced UV filtering system, and a powerful antioxidant complex called Senna Alata, which is a tropical leaf extract known to defend skin cells. It is also photostable for longer-lasting protection and water-resistant for up to 80 minutes.</p> <p><a href="http://www.amazon.com/gp/product/B002CML1XE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002CML1XE&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=VDCKTBV3DCATMOHW"><em>Currently $22.29 on Amazon</em></a></p> <h3>Coppertone Sunscreen Lotion Ultra Guard Broad Spectrum SPF 50</h3> <p><a href="http://www.amazon.com/gp/product/B000GG146C/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000GG146C&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=JRXV57PX7Y5ERHMP"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coppertone%20ultra.jpg" width="95" height="240" align="right" alt="" /></a>Coppertone makes a number of award-winning sunscreens for babies, kids, and adults, so you almost can&rsquo;t go wrong with <a href="http://www.amazon.com/gp/product/B000GG146C/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000GG146C&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=JRXV57PX7Y5ERHMP">Coppertone Sunscreen Lotion</a>. They are also the #1 pediatrician recommended brand and make kid-friendly options like &ldquo;Wacky Foam&rdquo; that kids actually like using. InStyle, TotalBeauty.com and Consumer Reports also stand behind Coppertone sunscreens and their heavy-duty protection. The Coppertone Sunscreen Lotion Ultra Guard Broad Spectrum SPF 50 can prevent sunburn and provide extra UVA and UVB protection. The water-resistant, non-greasy, non-comedogenic sunscreen provides broad-spectrum protection from the sun's damaging rays using Avobenzone.</p> <p>It can also moisturize your skin in the process with Aloe, Vitamin E, and specially blended moisturizers. It is also PABA-free, dermatologist-tested, and water-resistant for 80 minutes. This sunscreen is perfect even for the hottest climates and Coppertone offers other options of SPF 100+.</p> <p><a href="http://www.amazon.com/gp/product/B000GG146C/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000GG146C&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=JRXV57PX7Y5ERHMP"><em>Currently $6.99 on Amazon</em></a></p> <h3>Neutrogena Age Shield Face Lotion Sunscreen Broad Spectrum SPF 110</h3> <p><a href="http://www.amazon.com/gp/product/B0037LOQQI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0037LOQQI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J7W724GROH3NAIUH"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/neutrogena%20age%20shield.jpg" width="83" height="240" align="right" alt="" /></a>If you want to protect, preserve, and care for your skin, then <a href="http://www.amazon.com/gp/product/B0037LOQQI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0037LOQQI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J7W724GROH3NAIUH">Neutrogena Age Shield Face Lotion Sunscreen Broad Spectrum SPF 110</a> is the right lightweight sunscreen for you. The water-resistant face lotion comes from a #1 dermatologist recommended brand of suncare and is oil-free, PABA-free, non-greasy, and non-comedogenic. It offers broad-spectrum UVA and UVB protection and can protect skin six layers deep from the sun&rsquo;s damaging rays.</p> <p>It also combats free radical damage and has anti-aging properties to help better care for your skin. It also features Helioplex, which helps screen out UVB burning rays and prevent UVA aging rays from penetrating the surface layers. This lotion is also packed with skin conditioners, which will hydrate and replenish the skin.</p> <p><a href="http://www.amazon.com/gp/product/B0037LOQQI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0037LOQQI&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J7W724GROH3NAIUH"><em>Currently $9.35 on Amazon</em></a></p> <h3>Eltamd UV Clear SPF 46</h3> <p><a href="http://www.amazon.com/gp/product/B002MSN3QQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002MSN3QQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MRWSZHDS4FHXRJ5G"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/eltamd.jpg" width="85" height="240" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in skin sun protection, <a href="http://www.amazon.com/gp/product/B002MSN3QQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002MSN3QQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MRWSZHDS4FHXRJ5G">Elta MD UV Clear SPF 46</a> is intended for skin types prone to acne, rosacea, and hyperpigmentation, but is great for all skin types. Backed by great reviews, even users with sensitive and acne-prone complexions love wearing this alone or under makeup. The lightweight, oil-free facial sunscreen calms and protects acne-prone skin, while offering broad-spectrum UVA and UVB protection.</p> <p>It also helps reduce the appearance of blemishes, discoloration, and photo-damaged skin, while protecting it from sun damage. It is also oil-free, paraben-free, non-comedogenic, fragrance-free, and is specially formulated with 5% pure form Niacinamide, which is like Vitamin B3 or niacine without the same toxic effects.</p> <p><a href="http://www.amazon.com/gp/product/B002MSN3QQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B002MSN3QQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=MRWSZHDS4FHXRJ5G"><em>Currently $29.99 on Amazon</em></a></p> <p>And those are our recommendations for the best sunscreens. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-sunscreens">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/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-concealers">The 5 Best Concealers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-detangling-combs">The 5 Best Detangling Combs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-foundations">The 5 Best Foundations</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hair-straighteners">The 5 Best Hair Straighteners</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Shopping beauty products product reviews skin care sunscreen Thu, 02 Jul 2015 09:00:12 +0000 Andrea Cannon 1465413 at http://www.wisebread.com 38 Ways to Save Money Without Trying (Much) http://www.wisebread.com/38-ways-to-save-money-without-trying-much <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/38-ways-to-save-money-without-trying-much" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_saving_money_000015136579.jpg" alt="Woman saving money without trying" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ugh, just the phrase &quot;<a href="http://www.wisebread.com/6-simple-ways-to-save-money-by-tracking-your-receipts">saving money</a>&quot; can make it seem like a herculean task. But it doesn't have to be. There are plenty of ways to drop extra money into your bank account that don't require that much effort or thought on your part. Here are a number of them. You probably are already doing a few (good for you!), but it's always a good reminder to keep you on task!</p> <h3>1. Automate</h3> <p>Automating your bank account so part of your paycheck immediately gets dumped into your savings is an easy way to save without really thinking about it. This way, you'll have to live within your means.</p> <h3>2. Lay Off the Credit Cards</h3> <p>Swiping credit cards may cause you to spend more than you like. If you're not responsible with your money, try to opt to live credit-card-free. Yes, you may be losing out on reward points or cash back, but if you're going into debt because you're not thinking about your purchases, perhaps you need to lay off charging things to credit.</p> <h3>3. Read More</h3> <p>Do you know what <a href="http://www.savvysugar.com/Warren-Buffett-Success-Tips-34015340">Warren Buffett does</a> with most of his time? Read. OK, maybe you won't become a billionaire, but reading personal finance books or <a href="http://www.savvysugar.com/Books-Change-My-Life-21195577">self-improvement books</a> can put you on track to having a healthier relationship with money. Saving money will become second nature to you, which will make it easier to save.</p> <h3>4. Go to the Library</h3> <p>Reading more doesn't mean spending more cash on books. Start thinking of your local library as your friend and explore all the freebies they have to offer &mdash; it's not just books. You can borrow free DVDs, use their Internet for free, <a href="http://www.savvysugar.com/Free-Services-From-Library-25766579">and more</a>.</p> <h3>5. Make Your Own Coffee</h3> <p>Invest in a coffee machine or a french press to easily make coffee instead of going to your local Starbucks on your way to work. Instant coffee is a good idea as well if you don't mind the flavor.</p> <h3>6. Make ExercisePart of Your Lifestyle</h3> <p><a href="http://www.eurekalert.org/pub_releases/2012-05/nu-lct052412.php" target="_blank">Studies have shown</a> that picking up one healthy habit can lead to positive benefits in other parts of your life. If you add working out to your routine, your relationship with money may benefit from it as well.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Stop-Wasting-Money-Grocery-Store-34831861">19 Ways You're Wasting Money at the Grocery Store</a></p> <h3>7. Hang Out With Frugal Friends</h3> <p>Your friends can be a huge influence on you, so choose wisely who you spend the most time with. That's not to say that you should avoid your spendthrift friends like the plague, but be honest when you can't afford to do something instead of trying to keep up with the Joneses.</p> <h3>8. Start a Money-Making Hobby</h3> <p>You may think that a <a href="http://www.savvysugar.com/Making-Extra-Income-23682849">second income</a> sounds like a lot of work, but hear me out. If you already have a hobby that you spend a lot of time on and enjoy doing, figure out how to&nbsp;<a href="http://www.savvysugar.com/How-Make-Money-From-Hobbies-17582307">make money from it.</a> It can be anything from making homemade laundry soap you can sell on Etsy or writing freelance pieces for a magazine.</p> <h3>9. Get Good Sleep</h3> <p>Getting a good night's rest can really affect your impulse control. Make sure you're not caving into or fighting off impulse purchases that can really wreck your savings.</p> <h3>10. Get a Brita Filter</h3> <p>Instead of buying bottles of water, save the environment and money by investing in a <a title="undefined" href="http://www.amazon.com/gp/product/B004GNGID0/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004GNGID0&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=NOLKVL747HK6L3UB">Brita filter pitcher</a> ($41).</p> <h3>11. Use Vinegar to Clean</h3> <p>Instead of buying cleaning products, use this powerful cleaning agent that you already have in your kitchen &mdash; <a href="http://www.savvysugar.com/Uses-Vinegar-22333420">vinegar</a>. Using <a href="http://www.savvysugar.com/DIY-Cleaning-Products-28901279/">pantry items to clean</a> is not only cheaper, but less toxic for the home as well.</p> <h3>12. Replace Your Light Bulbs</h3> <p>Upgrading your light bulbs to more efficient ones can save you <a href="http://energy.gov/energysaver/articles/lighting-choices-save-you-money" target="_blank">$50 a year</a>, and all you have to do is just screw them in! Read our review of the best soft-glow <a href="http://www.savvysugar.com/Best-Soft-Glow-CFLs-2014-33208938">energy-efficient lightbulb</a>.</p> <h3>13. Try These Fun and Free Activities</h3> <p>Having fun doesn't always mean a drain on your wallet. We've come up with plenty of ways to keep yourself <a href="http://www.savvysugar.com/Free-Ways-Entertain-Yourself-Home-30926585">entertained at home</a> and <a href="http://www.savvysugar.com/Free-Things-Do-Outside-House-35172780">outside of your home</a>. Go for a hike, fly a kite, or grab a well-loved book to reread. Start equating fun with activities that don't cost much, it's very important to make that connection.</p> <h3>14. Cut Cable</h3> <p>More and more households are cutting the cord. Read our <a href="http://www.savvysugar.com/How-Quit-Cable-24791307">step-by-step guide</a> to quitting cable cold turkey. It's an option to consider if you're not a big TV fanatic.</p> <h3>15. Improve Your Credit Score</h3> <p>Working on your credit score will save you money in ways you won't expect. For example, you'll get a lower interest rate on your mortgage and credit cards, better rates on insurance, and some companies like your cell phone provider or cable company may waive big deposits for your clean credit record. Here are some tips on <a href="http://www.savvysugar.com/How-Improve-My-Credit-Score-3170689">raising your score</a>.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Best-Things-Life-Money-Cant-Buy-34442356">98 of the Best Things in Life That Money Can't Buy</a></p> <h3>16. Take Care of Your Things</h3> <p>Something that tends to trip up our savings is having to buy new things when the items we own broke or get worn out. You can prevent that by properly taking care of your things and lenghtening their lives. Here are some tips to <a href="http://www.savvysugar.com/Making-Groceries-Last-Tips-16971878">make groceries last</a> and to <a href="http://www.savvysugar.com/How-Make-Your-Cheap-Clothes-Last-Longer-30811657">preserve your clothes</a>.</p> <h3>17. Use Reward Credit Cards</h3> <p>If you're good with your money, taking advantage of reward credit cards would work very well in your favor. Figure out what the biggest things you spend money on are and find the best reward cards for that category. For example, if travel is your thing, check out our top picks for <a href="http://www.savvysugar.com/Best-Travel-Reward-Credit-Cards-24441826">travel credit cards</a>.</p> <h3>18. Download WhatsApp and Viber</h3> <p>Keep in touch with your friends for free with these apps that let you&nbsp;<a href="http://www.geeksugar.com/Apps-Text-Free-31094824">text and talk for free</a>. It's great when your traveling overseas and don't want to rack up a huge phone bill.</p> <h3>19. Get a Crock-Pot</h3> <p>You've heard repeated reminders of making your own meals to save money, but who has the time right? Well, if you invest in a crockpot, cooking will seem like a breeze because all you have to do is throw the ingredients in and let it work its magic. Check out our vast array of <a href="http://www.popsugar.com/latest/Slow-Cooker">slow-cooker recipes</a>.</p> <h3>20. Don't Procrastinate</h3> <p>If you have problems with procrastinating, you know that bad habit ends up costing you money. You'll have to pay for late fees, penalties for canceled appointments, and more. Nip your procrastinating problem in the bud <a href="http://www.savvysugar.com/How-Stop-Chronic-Procrastination-21784767">with these tips</a>.</p> <h3>21. Double-Check Things</h3> <p>Being careless can be very costly. For example, you might miss some wrongful charges on receipts or forget your phone in a cab. Always, always double-check everything to make sure it's accurate and to make sure you have everything with you.</p> <h3>22. Get a Prepaid Phone</h3> <p>This is not a big secret, but one of the biggest ways to <a href="http://www.savvysugar.com/How-Reduce-My-Cell-Phone-Bill-24228468">save money on your phone bill</a> is to get a prepaid phone instead of signing up for a contract. Read about how one woman saves over <a href="http://www.savvysugar.com/-Contract-Cell-Phone-Plans-Save-Money-34295289">$300 a year</a> on no-contract plans.</p> <h3>23. Get Fake Flowers</h3> <p>Instead of continually buying flowers, get fake flowers that look real to freshen up your home. Gone are the days of supercheesy plastic flowers that look fake &mdash; these days there are plenty that look real. Or you can even go a different approach and get flowers made out of cool materials <a href="http://www.savvysugar.com/DIY-Coffee-Filter-Peonies-32236106">like coffee filters</a> and book pages.</p> <h3>24. Stay With Friends and Family When Traveling</h3> <p>It's no hardship to spend time with friends and family, so kill two birds with one stone by crashing with them on your trips. Better yet, they'll be able to share their local knowledge with you when you explore their cities.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Things-I-Wish-I-Knew-21-37289179">What We Would Tell Our 21-Year-Old Selves If We Had the Chance</a></p> <h3>25. Swap Clothes With Friends</h3> <p>I'm sure you have items in your closet that are collecting dust that you just can't bear to sell or donate. What about outfitting your BFF with them? Swap clothes and accessories you don't use with your pals and see some of your favorite pieces on her! While you're at it, perhaps throw a <a href="http://www.savvysugar.com/How-Host-Clothing-Swap-21486470">clothing swap party</a>!</p> <h3>26. Shop at the Outlets or Factory Stores</h3> <p>I have a friend whose motto is to never buy things at full price &mdash; that can be yours, too. Wait for sales, which usually come during national holidays, and shop at outlet and factory stores.</p> <h3>27. Get a Water-Flow Regulator for Your Shower</h3> <p>Install a water-flow regulator in your showerhead to save money and the environment. You can purchase them from around $10 to $20 and <a href="http://energy.gov/energysaver/articles/reduce-hot-water-use-energy-savings" target="_blank">save up to 60 percent</a> on your water bill.</p> <h3>28. Moderate Your Temperature</h3> <p>Everything in moderation, right? That goes for your temperature too if you want to up your savings. Invest in a thermostat to regulate your heating bills. Perhaps even a smart thermostat might be worth the high initial investment as well &mdash; see our <a href="http://www.savvysugar.com/Nest-Worth-33496519">review of Nest</a>.</p> <h3>29. Ask for a Raise</h3> <p>Time to put on your adult pants and ask for the raise you deserve. It can be nervewracking, but it'll pay off in more ways than you think. Not only will you have more money in your savings account, but you'll gain confidence and some smart negotiation skills.</p> <h3>30. Put Your Tax Refund, Birthday Presents, or Bonuses Straight into Your Savings Account</h3> <p>Funnel any windfall you get straight to your savings account. You won't even notice the loss, but you'll definitely see the gain in your savings!</p> <h3>31. Cancel Subscriptions You Don't Need Anymore</h3> <p>Subscriptions that you were too lazy to cancel can be sucking up your savings. A simple phone call or online request can put a stop to them immediately, and you won't have to deal with them anymore.</p> <h3>32. Get Your Hair Done at a Beauty School</h3> <p>Haircuts can get expensive, so take a chance at your local beauty school. You'll be able to get deeply discounted haircuts (or maybe even free!) in exchange for hairdresser newbie to practice her snipping skills. Do your research online to see which one of the beauty schools in your area has the best reputation for haircuts.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Happy-Your-20s-37636389">24 Ways to Stay Sane in Your 20s</a></p> <h3>33. Unsubscribe to Daily Deals</h3> <p>Kick your daily deal habit to the curb and buy the ones you really need. Not only are the everyday prompts clogging up your inbox, but you may also be tempted to buy things you don't need. Unsubcribe from their mailing lists, and shop for the daily deals when you need them. Search the site&nbsp;<a href="http://yipit.com/" target="_blank">Yipit</a>, which aggregates all the daily deals out there to find the deals you actually need.</p> <h3>34. Make a Big Batch of Food Whenever You Cook</h3> <p>Maybe you're not into cooking every day, but if you cook once in a while, be sure to make a huge batch of food so you can keep on eating the leftovers. Freeze whatever you have leftover or pack it for lunch.</p> <h3>35. Get Friends to Pet Sit or House Sit</h3> <p>Pet and house sitters can be quite pricey, so try to get a pal to do it for you instead. Many people are more than happy to have the company of a pet or stay in a location they may find more convenient or comfortable than their own.</p> <h3>36. Babysit for Each Other</h3> <p>Swap babysitting services with fellow moms and dads. You'll get a night off without paying a dime in the hands of a parent you trust. Win-win all around.</p> <h3>37. Only Drink at Happy Hour</h3> <p>Make it a point to take advantage of happy hour prices and limit your alcohol consumption to those times. You're not totally cutting it out of your diet and you'll still be able to indulge!</p> <h3>38. Automatically Increase Your 401(k) Contribution Each Year</h3> <p>Opt to have your 401k contributions increase automatically so you don't even have to think about it. You may have to request the autoincrease but there are many plans that already have you enrolled.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> A penny saved is a penny earned. Do it over and over and over again and you&#039;re talking some serious saving! </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/How-Stop-Wasting-Money-Grocery-Store-34831861">19 Ways You're Wasting Money at the Grocery Store</a></li> <li><a href="http://www.popsugar.com/smart-living/Best-Things-Life-Money-Cant-Buy-34442356">98 of the Best Things in Life That Money Can't Buy</a></li> <li><a href="http://www.popsugar.com/smart-living/Things-I-Wish-I-Knew-21-37289179">What We Would Tell Our 21-Year-Old Selves If We Had the Chance</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Happy-Your-20s-37636389">24 Ways to Stay Sane in Your 20s</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/38-ways-to-save-money-without-trying-much">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/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> <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-have-an-above-average-life-for-below-average-prices">How to Have an Above-Average Life for Below-Average Prices</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-big-expenses-you-can-easily-get-rid-of">10 Big Expenses You Can Easily Get Rid Of</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste 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/are-you-saving-too-much">Are You Saving Too Much?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Budgeting Lifestyle cut spending save spending Fri, 26 Jun 2015 17:00:12 +0000 POPSUGAR Smart Living 1457126 at http://www.wisebread.com The 5 Best Resistance Bands http://www.wisebread.com/the-5-best-resistance-bands <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-resistance-bands" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_out_000036369236.jpg" alt="Woman using best resistance bands during workout" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Resistance bands are an important part of any home exercise program. This versatile tool in your fitness arsenal can help you achieve a number of strength training routines from any area of your home. The affordable, easily-accessible bands of latex can help build muscle, increase flexibility, and allow you to focus tension on targeted muscles and body parts, without taking up any space.</p> <p>With the right high quality resistance bands, you won&rsquo;t need to worry about bulky free weights or gym equipment ever again. This will allow you to achieve a better workout - anywhere, anytime.</p> <h2>What Is a Resistance Band?</h2> <p>A resistance band, also commonly referred to as an exercise band or resistance cord, is an effective tool in your strength training routine. They offer a great alternative to free weights and traditional workout machines, providing an excellent option for your home gym and traveling needs. Resistance bands can help you achieve any number of training exercises by simply changing your body position in order to change the tension on your muscles. This makes them ideal for any type of strength training routines, including home exercise programs such as P90X. Bands take up little space, are easy to transport, and can be used by anyone from beginners to fitness experts.</p> <p>Along with assisting with fat loss, keeping you toned, and building muscle, they can also assist with rehabilitative exercises, and are commonly recommended by doctors and physical therapists. If you&rsquo;re ready to get your fitness on, then the right resistance bands can get you to where you want to be in no time. Once your strength improves, you can simply switch to one of the higher resistance bands for increased resistance.</p> <h2>Top 5 Resistance Bands</h2> <h3>Black Mountain Products Resistance Band Set&nbsp;</h3> <p><a href="http://www.amazon.com/gp/product/7245456313/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=7245456313&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EFTDQNRYGLJAMXH5"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/black%20mountain.jpg" width="250" height="250" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in exercise bands, the <a href="http://www.amazon.com/gp/product/7245456313/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=7245456313&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EFTDQNRYGLJAMXH5">Black Mountain Products Resistance Band Set</a> is a great buy. Black Mountain Products is a trusted brand and offers some of the most popular resistance band sets. This set was featured on many independent review sites as the best resistance band set thanks to its comprehensive offerings. The set includes five stackable resistance bands of varying resistance: Yellow (2-4 lbs), Blue (4-6 lbs), Green (10-12 lbs), Black (15-20 lbs) and Red (25-30 lbs). You are able to achieve the highest levels of resistance possible by using any combination of bands at once, without having to worry about multiple handles on each band. This increase in range makes it ideal for anyone from beginners and experts. These ultra durable resistance bands are made from the highest quality rubber and are each 48 inches in length.</p> <p>The set features a metal clipping system on the bands for attachment to soft-grip handles or ankle straps and includes two cushion foam handles, a door anchor, exercise chart, ankle strap, and starter guide. It also comes with a sturdy carrying bag, so you can easily take your set with you on your travels. All Black Mountain Products also come with a manufacturer's lifetime warranty.</p> <p><a href="http://www.amazon.com/gp/product/7245456313/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=7245456313&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=EFTDQNRYGLJAMXH5"><em>Currently $33.28 on Amazon</em></a></p> <h3>Best Exercise Resistance Loop Bands</h3> <p><a href="http://www.amazon.com/gp/product/B00HMJ4ODG/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00HMJ4ODG&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J6F34YRDCFBW4OVF"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/best%20exercise.jpg" width="250" height="250" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in physical therapy arm exercisers, the <a href="http://www.amazon.com/gp/product/B00HMJ4ODG/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00HMJ4ODG&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J6F34YRDCFBW4OVF">Best Exercise Resistance Loop Bands</a> are ideal for your physical therapy needs and can increase your flexibility, balance, and strength quickly. This affordable set of 4 durable bands with varying resistance (Light-Green, Medium-Blue, Heavy-Red and XX-Heavy-Black) can help strengthen and tone your shoulders, hips, arms, and legs. The multifunctional loop bands can be used for ankle resistance, knee resistance, leg resistance, and on the thighs and wrists.</p> <p>These physical therapy bands offer a complete body toning workout, so you can tone and strengthen any affected areas. They are ideal for physical therapy rehabilitation, weight loss, Pilates, yoga, and stretching. They can also be effective in recovery from torn MCL, torn ACL, knee replacement, and patella and meniscus rehab.</p> <p>This 10&quot;x2&quot; set is ideal for all fitness levels because the bands can be used separately, or together to create more levels of resistance. The bands are tough and elastic, made of high quality 100% eco-friendly latex. They take up virtually no space and the set also comes with a sturdy carrying case, so you can easily transport the bands. You are guaranteed to be satisfied thanks to the lifetime money back guarantee.</p> <p><a href="http://www.amazon.com/gp/product/B00HMJ4ODG/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00HMJ4ODG&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=J6F34YRDCFBW4OVF"><em>Currently $12.99 on Amazon</em></a></p> <h3>Bodylastics Anti-Snap Resistance Exercise Bands Set&nbsp;</h3> <p><a href="http://www.amazon.com/gp/product/B006O09M4K/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006O09M4K&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TSXIX6LGFLP2PZDL"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bodylastics.jpg" width="250" height="250" align="right" alt="" /></a>If you&rsquo;re looking for a quality product from a trusted brand, then <a href="http://www.amazon.com/gp/product/B006O09M4K/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006O09M4K&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TSXIX6LGFLP2PZDL">Bodylastics Anti-Snap Resistance Exercise Bands Set</a> has you covered. Bodylastics is one of the top manufacturers of resistance bands, with various offerings, depending on how many bands you need and what type of resistance you are looking for. If this max tension set is not right for you, Bodylastics likely has the perfect set for your fitness level. Bodylastics&rsquo; sets were featured on many independent review sites for the best resistance bands because they offer some of the most comprehensive sets on the market.</p> <p>This Max Tension Resistance Bands Set is a great mid level system, with up to 142 lbs of resistance, which will challenge most athletes in the most demanding fitness programs, such as P90X and Insanity. This set comes with 14 pieces, 6 Anti-Snap bands (Yellow: 3 lbs, Green: 5 lbs, Red: 8 lbs, Blue: 13 lbs, Black: 19 lbs, and Purple: 23 lbs), 2 heavy duty Handles, 2 heavy duty Ankle Straps, 1 heavy duty Door Anchor, 1 heavy duty small anywhere anchor, and an Instructional Resource. It also comes with a sturdy storage/travel bag, so you can easily transport the entire set. The stackable resistance clip bands enable you to adjust resistance (from 3 to 142 lbs) to create the perfect challenge for every muscle group.</p> <p>The professional quality bands incorporate continuous dipped Malaysian natural latex, woven nylon inner cord, solid iron clips, and dense neoprene. Every ultra durable band incorporates their patented Snap Guard inner safety cord, which prevents damage to the bands from over stretching. While the Snap Guard is extremely effective, according to customer reviews, in the rare case that a band does snap, your face and body will stay protected. Bodylastics sets have outstanding customer reviews and this set is also backed by a 100% Money Back Guarantee for your peace of mind.</p> <p><a href="http://www.amazon.com/gp/product/B006O09M4K/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B006O09M4K&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TSXIX6LGFLP2PZDL"><em>Currently $39.95 on Amazon</em></a></p> <h3>Resistance Bands Loop Set&nbsp;</h3> <p><a href="http://www.amazon.com/gp/product/B00R4E4GZK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00R4E4GZK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=D7JHQ7IREXROCAVO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/best%20resistance%20bands.jpg" width="167" height="250" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in hip replacement recovery kits, this quality <a href="http://www.amazon.com/gp/product/B00R4E4GZK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00R4E4GZK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=D7JHQ7IREXROCAVO">Resistance Bands Loop Set</a> is ideal for both your physical therapy and fitness needs. With five brightly colored, extra strong 10&quot;x2&quot; exercise bands, you can choose from various resistance levels: Yellow - Light (2-4 lbs), Red - Medium (4-6 lbs), Green - Heavy (10-12 lbs), Blue - X-Heavy (15-20 lbs), and Black - XX-Heavy (25-30 lbs). You can also combine multiple bands to get different levels of resistance. Each band is made of quality natural latex for ultra durability.</p> <p>The set also comes with a free workout e-book with 33 exercises and a mesh carrying bag, so you can easily transport the set. These are the only laboratory tested Pilates resistance bands on the market and built to last. The StretchMe loop bands are ideal for explosive endurance and strength exercise programs, such as P90X, Insanity, Crossfit, Beachbody, yoga, Pilates, and general fitness exercises. They can also be highly beneficial as part of recovery after Knee Replacement, Torn MCL, Torn ACL, Ankle Injury, Rotator Cuff Injury, and Wrist Injury. You can also take comfort in the 100% lifetime satisfaction guarantee.</p> <p><a href="http://www.amazon.com/gp/product/B00R4E4GZK/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00R4E4GZK&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=D7JHQ7IREXROCAVO"><em>Currently $15.56 on Amazon</em></a></p> <h3>Top Rated Exercise Bands Set</h3> <p><a href="http://www.amazon.com/gp/product/B00OAC8IY4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00OAC8IY4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PERH37PCAVJBSLRZ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/top%20rated.jpg" width="250" height="250" align="right" alt="" /></a>As Amazon&rsquo;s #1 best seller in Pilates flexbands, these <a href="http://www.amazon.com/gp/product/B00OAC8IY4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00OAC8IY4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PERH37PCAVJBSLRZ">Top Rated Exercise Bands</a> are ideal for all types of fitness, stretching, endurance, and physical therapy exercises. The set includes five custom size 12&quot; resistance loop bands, made of 100% natural latex. They are available in different resistance levels: 1 Green (Light) Band, 1 Blue (Medium) Band, 1 Yellow (Heavy) Band, 1 Red (X-Heavy) Band, and 1 Black (XX-Heavy) Band.</p> <p>The set also includes a mesh carrying bag, so you can easily transport the bands, as well as a quick start exercise guide and access to the online workout videos, so you can get the most of your exercise routine. The mini loop bands can be used separately or together at one time to create multiple levels of resistance. They are great for home fitness programs like P90x, Insanity, Crossfit, yoga, Pilates, Beachbody, and more.</p> <p>They are also ideal for recovery after Torn MCL, Torn ACL, Knee replacement, and more. All Flex Active Sports Products come with a 100% Money Back Lifetime Guarantee for your peace of mind.</p> <p><a href="http://www.amazon.com/gp/product/B00OAC8IY4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00OAC8IY4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=PERH37PCAVJBSLRZ"><em>Currently $17.97 on Amazon</em></a></p> <p>And those are our recommendations for the best resistance bands. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-resistance-bands">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/the-5-best-sunscreens">The 5 Best Sunscreens</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-underwater-watches">The 5 Best Underwater Watches</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-road-bikes">The 5 Best Road Bikes</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/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Shopping exercise fitness product reviews resistance bands Thu, 18 Jun 2015 09:00:26 +0000 Andrea Cannon 1428460 at http://www.wisebread.com 14 Convenience Foods I Refuse to Do Without http://www.wisebread.com/14-convenience-foods-i-refuse-to-do-without <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-convenience-foods-i-refuse-to-do-without" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_daughter_making_dinner_000022705215.jpg" alt="Mother and daughter making convenience foods together" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Convenience foods really can save money. For instance, if faced with the choice of either grabbing fast food or purchasing some <a href="http://www.wisebread.com/10-reasons-to-stop-buying-gas-station-food">convenience foods</a> at the grocery store, you are better off buying bagged salad or jarred sauce. And if you work, have a relationship, kids, pets, and outside interests, you have to make choices about how you spend your time and money.</p> <p>Which brings me to this list. I went through my freezer, refrigerator, and pantry looking for my favorite shortcuts. I love these time-savers and won't give them up.</p> <h2>1. Grated Cheese</h2> <p>Sometimes I just want a couple of tablespoons for a baked potato, or to top some scrambled eggs. If I grate it myself, then I have to unwrap the cheese, get out the grater, grate the cheese, wash the grater, and put away the cheese. The alternative: buy a bag of pre-grated cheese, unzip, sprinkle cheese, re-close bag, and refrigerate. I never used to buy grated cheese until my husband pointed out that sometimes, on sale, the price per ounce for grated is actually less than the large block. Pay less for convenience? Count me in.</p> <h2>2. Chopped Nuts</h2> <p>I find that I fool myself with those big bags of nuts from Costco. When they come out in October, I think oh, yes, this is the year I'll bake cookies for everyone; I need this giant bag of nuts. Well, we all know about those good intentions. Nuts do have a shelf life. Sure, you can freeze them, but the odds of your remembering that you have those frozen nuts are not great unless you're a prepper. So, yes, I occasionally buy those little half-cup packages of pre-measured, pre-chopped nuts.</p> <h2>3. Olive or Canola Oil Spray</h2> <p>I resisted these oils-in-a-can for a long time before finally giving in, thinking they were an unnecessary expense. Oh, the ease of simply spraying a pan, or barbeque rack, instead of getting out a paper towel or a pastry brush! Now I own specialized sprays, too &mdash; canola, olive oil, and &quot;grilling&quot; spray. I do not use them on my frying pans, at the manufacturer's recommendation, but I love them for baking cakes and cookies or roasting vegetables.</p> <h2>4. Teabags</h2> <p>No argument here &mdash; loose tea makes a better-tasting cup, but I don't always have time to clean up the mess it makes. Especially at work, a teabag is easier and more practical (no one wants to deal with my loose tea in the sink, I am sure). Plus, by the time I heat water, then pack a tea ball, use it, empty it, and wash it, there went my break. Bags are just faster and less messy.</p> <h2>5. Dijon Mustard in a Squirt Bottle</h2> <p>I bought the mustard in the plastic squirt bottle (instead of the usual jar) because it was on sale, not anticipating how much easier it would be. Also, the lid doesn't get gunky; I like that for cleanup. You can shake it, rather than getting a spoon to stir it up. Because it was so convenient, I found myself making more sauces (add to a little butter and stir into vegetables, or spoon over grilled chicken). I also starting using it more often on sandwiches, since it is easy, has lots of flavor, and fewer calories.</p> <h2>6. Bagged Salad</h2> <p>In a hurry? You could stop and buy fast food. Or, you could buy a bag of salad, slice a grilled chicken breast on top, and add dressing. Not only would that be a healthier alternative, but you'd have enough for several servings. There are also so many varieties, from Asian to cranberry-pecan, Caesar, European, American, and the like. These can be turned into a meal very easily with the addition of a little meat, fish, poultry, or beans.</p> <h2>7. Bacon Bits</h2> <p>Per ounce, yes, it is much more expensive to buy a little packet, or jar, of bacon bits. The cheaper alternative would be buying bacon on sale, cooking it, chopping it, and freezing it. But sometimes I just want a tablespoon in an omelet, or to sprinkle on a salad. Those little bags (or jars) are just enough to get the bacon flavor without a lot of mess and fuss. To be honest, when I fry bacon, I tend to nibble at the cooked pieces (as does my husband, and then the dogs always want a bite). So, for me, there probably <em>is</em> a cost savings by buying the tiny bag. Not to mention the mess that cooking bacon involves, no matter how you do it.</p> <h2>8. Breadcrumbs</h2> <p>Making <a href="http://whatscookingamerica.net/Bread/BreadCrumbs.htm">breadcrumbs</a> is a great use of stale bread. I save pieces and ends in the freezer and those all become croutons or bread pudding, at some point. But as for making crumbs, naah. They aren't hard to make, but I have really grown to prefer these two options: Panko (Japanese breadcrumbs) or smashed Ritz crackers. Panko makes for superior fried chicken as well as fried vegetables, such as zucchini or eggplant. Shake chicken in a mixture of white flour (and a little rice flour, for super crispiness) and seasonings. Dip into egg wash, then roll in panko; bake or fry. Ritz crackers, or their knock-offs, are at their best when smashed to oblivion and used for breading (try dipping that chicken in egg wash, then rolling in a combination of grated cheddar cheese, smashed crackers, and seasonings; bake).</p> <h2>9. Ready-Made Pie Crusts</h2> <p>Ever since <em>Bon Appetit</em> grudgingly gave its green light to using Pillsbury pie crusts, I never looked back. I've always been crummy at making crusts from scratch, and they gave me license to make pies, both savory and sweet, with decent success. They come two to a package, which ends up being very handy &mdash; and they freeze well. If you bring somebody a pie, they are going to love you regardless of whether you made your crust from scratch.</p> <h2>10. Spaghetti Sauce in a Jar</h2> <p>I truly prefer my own homemade, simmer-all-day marinara, but in a pinch, a purchased jar of pasta sauce works. It is good over noodles, in an impromptu calzone, or on a pizza. The less expensive brands tend to contain corn syrup and, to me, are quite sweet. I watch for better brands to go on sale. There are several &quot;celebrity chef&quot; sauces out, now; some are worth a try.</p> <h2>11. Rotisserie Chicken</h2> <p>Ah, the Costco $5 rotisserie chicken. Need I say more? When you can't even buy a dang chicken and cook it for yourself for that price, well, load up. I use the carcasses to make chicken broth, but if I am pushed for time...</p> <h2>12. Canned Chicken Broth</h2> <p>It's very handy, isn't it? Some brands are dollar-store cheap, but if you are watching for MSG, be careful. There are brands that do not contain MSG; they naturally cost a little more. Even if you are a purist who wants to only make your own, if you are sick, I promise you there is nothing better than that bowl of chicken broth with your Jell-O. It is worth keeping around just for that emergency.</p> <h2>13. Frozen Vegetables</h2> <p>Watch for sales and load up! My favorites are mixed veggies, which are great in soups and pot pies; spinach, for stuffing mushrooms and quiche; and peas, for salads and fried rice.</p> <h2>14. Canned Beans</h2> <p>If you are watching your sodium, look for the brands without added salt. I prefer to rinse mine, too. The things you can do with a can of beans! Kidney beans make a quick chili (vegetarian or with added burger). Garbanzos quickly become hummus. Cannellini beans can go into soups or pasta dishes. Pintos with rice are a family favorite. Black beans make a salad a meal. The alternative, and the way I learned to cook beans, is to soak dried ones. This is definitely a cheaper method, to be sure, but you had better be a good meal planner. If you have a pressure cooker, that's another good way to go &mdash; but for pure convenience, open a can.</p> <p><em>What are your favorite convenience foods?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/14-convenience-foods-i-refuse-to-do-without">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/8-quick-dinners-for-lazy-cooks">8 Quick Dinners for Lazy Cooks</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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-gifts-you-can-make-today">25 Gifts You Can Make Today</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/9-money-saving-reasons-to-buy-a-food-dehydrator">9 Money Saving Reasons to Buy a Food Dehydrator</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Lifestyle busy convenience easy kitchen Wed, 17 Jun 2015 13:00:14 +0000 Marla Walters 1454513 at http://www.wisebread.com 11 Ways Cycling Can Save You Money http://www.wisebread.com/11-ways-cycling-can-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-cycling-can-save-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/couple_riding_bikes_000025900695.jpg" alt="Couple riding bikes together to save money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What would you do with $9,000? No matter how you like to spend your money, that is a huge chunk of change. The kind that might allow you to take a few months off work, travel across the globe, put a down payment on a new home, or start a retirement account. And according to the U.S. Bureau of Labor Statistics, that's how much the average American spends simply commuting to work. Vehicle purchases, fuel and oil, and other automobile expenses account for the majority of that figure. Then there's parking, toll roads, and the undeniable opportunity cost of being stuck in traffic.</p> <p>If there's one simple way to slash your budget, it's ditching your car. And, at least in the warmer months, opting to ride a bike is often the simplest, healthiest, and least expensive solution. Here are 11 ways switching to <a href="http://www.wisebread.com/the-5-best-road-bikes">two-wheel transportation</a> can help you save.</p> <h2>1. You Won't Need Gas</h2> <p>Gas is a major cost for drivers. If gas is $3.50 per gallon and your vehicle gets 20 miles per gallon, you'll be paying 18 cents per mile for gasoline alone. Your bike? Nada. You also won't have to worry about filling up.</p> <h2>2. Less Wear-and-Tear on Your Car</h2> <p>Every mile that you drive in your car is wearing down your tires and your brakes. It's using up motor oil and windshield wiper fluid. It's breaking down your belts and other parts that'll eventually need replacing. In other words, it's costing you money. Bikes need maintenance too, but they are much smaller, simpler machines. Plus, you can probably learn to do most of the maintenance yourself. Car parts and repairs are costly. The less you drive, the more you save.</p> <h2>3. Your Auto Insurance Will Drop</h2> <p>Even if you opt to keep your car and become an occasional or fair-weather cyclist, reducing the number of miles you drive in a year can have an impact on your auto insurance rates. Insurance rates are calculated, in part, based on the number of miles you drive each year. Call up your insurance company and let them know you'll be using your bicycle for transportation this summer. They may offer you a discount.</p> <h2>4. Bikes Are (Relatively) Inexpensive to Buy and Maintain</h2> <p>You can get a good bike for a few hundred dollars. If you venture closer to $1,000, you can get a great one. You'll also need a helmet, a bell, and maybe a light for safety. But unless you're a real gear junkie, that's pretty much where the costs begin and end. Most people can ride on the same tires for years and, in most cases, all most bikes need are a yearly tune-up and a little oil on the chain.</p> <h2>5. You Won't Have to Go to the Gym</h2> <p>Most gym memberships cost more than $50 per month, but if you're riding your bike most days of the week, you won't need one. Cycling is a great cardio workout that can burn some major calories. A 150-pound person cycling at an average speed of 14 miles per hour will burn almost three hundred calories in 25 minutes. Plus, by combining transportation and exercise, you'll be saving time too.</p> <h2>6. You'll Take Fewer Sick Days</h2> <p>A Dutch study released in 2010 found that cyclists took&nbsp;<a href="http://www.ncbi.nlm.nih.gov/pubmed/20580736">one less sick day</a> per year, on average, than non-cyclists. If you don't get paid sick leave, that's one more day of pay. Even if you do... who wants to be sick?</p> <h2>7. You'll Increase Your Productivity</h2> <p>Want to put yourself in position for a raise? Cycling &mdash; or any exercise, really &mdash;&nbsp;<a href="http://road.cc/content/news/130251-walking-or-cycling-work-means-less-stress-and-more-productivity-study-finds">reduces stress </a>and boosts productivity. If you cycle to work, you'll be firing your brain up for a productive day. Then you get to de-stress and switch off from the working day on the way home.</p> <h2>8. Parking is Free</h2> <p>Depending on where you live, simply parking your car can be a huge expense. In major cities like New York, Boston, and San Francisco, parking rates can run as high as $500 per month or more. Bikes can be parked on most city streets for free. If you're commuting to work, you can probably even park your bike right beside your desk.</p> <h2>9. You May Qualify for Bicycle Commuter Benefits</h2> <p>In 2009, a bicycle commuter benefit was added to the IRS Code as part of the Emergency Economic Stabilization Act of 2008. What that means is that employers may reimburse bicycle commuters up to $20 tax-free for every month they use a bike to get to work. This reimbursement can be used for bicycle purchase and maintenance, repair, and storage. Basically, bicycle commuters can get up to $240 annually in lieu of other transportation benefits such as a transit pass or qualified parking. This $240 can also be excluded from taxable income. Check with your employer to see if this benefit if available to you.</p> <h2>10. You'll Buy Less</h2> <p>If you've ever run errands on your bike, you know that you'll have to make some sacrifices. Because you'll have to carry everything you buy home either on your back or behind you, you'll probably want to stick to buying only what you need, and nothing more. But, hey, isn't that what we should all be doing anyway?</p> <h2>11. It's Low-Cost Leisure</h2> <p>Once you start biking to work and running errands on two wheels, you might find that you rather like the feeling of the wind in your hair. Cycling is a great leisure activity too. Pack a picnic lunch with some friends and explore your city on wheels, or head out onto the trails on a mountain bike for an afternoon adventure. You'll get exercise, fresh air, and fun &mdash; all free of charge.</p> <p><em>Do you ride your bike instead of driving? How has it impacted your budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tara-struyk">Tara Struyk</a> of <a href="http://www.wisebread.com/11-ways-cycling-can-save-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-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-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-make-exercise-more-fun">50 Ways to Make Exercise More Fun</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle biking cycling exercise fitness saving money Mon, 01 Jun 2015 15:00:08 +0000 Tara Struyk 1437209 at http://www.wisebread.com The Easy Way to Cure Chronic Procrastination You Should Try Now http://www.wisebread.com/the-easy-way-to-cure-chronic-procrastination-you-should-try-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-easy-way-to-cure-chronic-procrastination-you-should-try-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_procrastinating_000037338664.jpg" alt="Woman learning how to cure procrastination" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people may wonder why procrastination advice seems to never work for them and if there is a deeper issue at hand. Well, for 20% of the population who are chronic procrastinators, it is a serious problem that needs to be addressed, according to Joseph Ferrari, a psychology professor at DePaul University and a leading expert in the study of procrastination. For those 20%, telling them to just &quot;do it&quot; is like &quot;telling a clinically depressed person to cheer up,&quot; says Ferrari, author of the book <a href="http://www.amazon.com/Still-Procrastinating-Regrets-Guide-Getting/dp/0470611588/ref=sr_1_1?ie=UTF8&amp;qid=1329440165&amp;sr=8-1" target="_blank">Still Procrastinating?</a>.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Organization-Tips-DIYs-34385347#photo-34385347">41 Insanely Awesome Organization Hacks</a></p> <h3>It's a Serious Problem If . . .</h3> <p>So how do you know if you're a chronic procrastinator? &quot;You find that you procrastinate at home, at school, at work,&nbsp;in relationships. You don't pay your bills on time . . . You miss sporting events, concerts because you never got the ticket,&quot; says Ferrari. &quot;You're late for any social gathering, you'll miss doctor's appointments because you're never there on time, the refrigerator is empty because you never restock it in time, food goes bad because you never eat it on time. If you do all those kind of things, you probably are a chronic procrastinator.&quot;</p> <p>Read on to find out how people become procrastinators.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Ways-Productive-Morning-34975526">7 Ways to Be Productive Every Morning of the Week</a></p> <h3>How People Become Chronic Procrastinators</h3> <p>There are several factors that can lead one to becoming a chronic procrastinator. Here are a couple of them, according to the procrastination expert:</p> <ul> <li><strong>Your dad</strong>: &quot;It's typically cold, demanding, stern fathers that cause boys and girls to be procrastinators,&quot; Ferrari says. Children with strict dads use procrastination as a way to cope because they can't rebel.<br /> &nbsp;</li> <li><strong>You care too much about what others think of you</strong>: Some people procrastinate because they care too much about public perception. The pressure to seem perfect is particularly strong for these people. The chronic procrastinators prefer people to see them as procrastinators that don't get around to doing tasks rather than simply being incompetent.<br /> &nbsp;</li> <li><strong>Society</strong>: We live in a world where society doesn't reward punctuality. Instead, we're penalized for being late, which doesn't give any of us incentive to complete tasks ahead of time. &quot;We punish people if they file their taxes late. We give them a bill. If we pay off our credit card late, we charge them a late fee. But what if you pay your card on time and what if you've paid your mortgage off? There's no gift here.&quot;</li> </ul> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Funny-Sick-Day-Excuses-20337003">10 Really Unusual Sick Day Excuses</a></p> <h3>The Cure for Procrastination</h3> <p>For those who have deep-rooted issues with procrastination, it seems that cognitive behavioral therapy, a type of mental health counseling, is the most effective method. This kind of psychotherapy attempts to reroute inaccurate, harmful, or negative thoughts.</p> <p>Ferrari suggests a couple more ways that might help chronic procrastinators:</p> <ul> <li><strong>Surround yourself with doers</strong>: It's healthy for a chronic procrastinator to surround herself with people who are likely to do things. It'll be a good influence on those with a tendency to delay tasks.<br /> &nbsp;</li> <li><strong>Just start somewhere</strong>: Just take a small step at a time. For example, if you're supposed to write an essay, start with a few paragraphs, and if that's too much for you, resolve to write just one. If that's still overwhelming, stick to a couple of sentences or even a few words.<br /> &nbsp;</li> <li><strong>Set up a reward system</strong>: &quot;People like to do things they enjoy doing,&quot; says Ferrari. He recommends rewarding yourself with something you enjoy after you complete something that you've been dreading to do. For example, reward yourself with half an hour of <em>Desperate Housewives</em> after doing laundry.<br /> &nbsp;</li> <li><strong>Public posting</strong>: Because procrastinators care so much about how others view them, they are more likely to do tasks when they publicly announce it. Take to Twitter, Facebook, or any other social media outlet and state the task you're going to do. Then when you've completed it, let everyone know that you've done what you set out to do. The &quot;likes&quot; and congratulatory tweets will feel very satisfying.</li> </ul> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Make-Mornings-Easier-37111300">Start Each Workday Right by Following These 7 Rules</a></p> <h3>So What if I Am One?</h3> <p>If you're reading this and feel that you fit the profile of a chronic procrastinator, you may think that it's not a big deal to be one. After all, your life might be functioning fine, and you've made it through many of the setbacks caused by your procrastination.</p> <p>However, keep in mind that it may catch up with you one day, and it can get to a point where it disrupts your life and negatively impact other people's opinion of your character. Further, it's not exactly comfortable living as a chronic procrastinator. In fact, Ferrari found that procrastinators have more regrets than nonprocrastinators for things that they didn't do. &quot;Stop stressing yourself over it. Life is short &mdash; leave a legacy,&quot; says Ferrari. &quot;There are too many places to see and too many things to do in life to just procrastinate and wait and living in a bubble of fear of getting it done.&quot;</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> What are you waiting for? Fix your chronic procrastination now. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Organization-Tips-DIYs-34385347#photo-34385347">41 Insanely Awesome Organization Hacks</a></li> <li><a href="http://www.popsugar.com/smart-living/Ways-Productive-Morning-34975526">7 Ways to Be Productive Every Morning of the Week</a></li> <li><a href="http://www.popsugar.com/smart-living/Funny-Sick-Day-Excuses-20337003">10 Really Unusual Sick Day Excuses</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Make-Mornings-Easier-37111300">Start Each Workday Right by Following These 7 Rules</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/the-easy-way-to-cure-chronic-procrastination-you-should-try-now">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-simple-way-to-make-multitasking-actually-work">The Simple Way to Make Multitasking Actually Work</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-stop-procrastinating-now">9 Ways to Stop Procrastinating — NOW!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-stages-of-procrastination-read-this-right-now">The 7 Stages of Procrastination (Read This Right Now!)</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/are-you-addicted-to-the-internet">Are You Addicted to the Internet?</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/fifteen-minutes-of">Fifteen Minutes of ...</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Organization Productivity confidence procrastination productivity Fri, 29 May 2015 21:00:09 +0000 POPSUGAR Smart Living 1424334 at http://www.wisebread.com 5 Financial Pitfalls Stay-at-Home Parents Should Avoid http://www.wisebread.com/5-financial-pitfalls-stay-at-home-parents-should-avoid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-financial-pitfalls-stay-at-home-parents-should-avoid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_and_sons_000039504068.jpg" alt="Stay-at-home mother avoiding common financial pitfalls" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Staying at home with my daughter has been one of the best choices I've made in my life. At the same time, there are a number of money concerns I didn't necessarily expect when I handed in my resignation. For those of you who stay home (or who might be considering this big life change), take heed. You can do it the right way &mdash; protecting your financial future &mdash; with a little research and planning.</p> <h2>1. Retirement Planning</h2> <p>Suze Orman's advice is to <a href="http://www.oprah.com/money/Financial-Advice-for-Stay-at-Home-Parents">contribute what you can</a> in preparation for retirement. Spouses can claim Social Security benefits based on their partners, even in the event of divorce. Use the <a href="http://www.aarp.org/work/social-security/social-security-benefits-calculator.html">AARP's Social Security Calculator</a> to estimate your individual take-home benefit. Beyond that, there are Spousal IRA accounts where you can stash away as much as you like, provided the working partner makes enough each year to cover your contribution.</p> <h2>2. Life Insurance</h2> <p>It's an area nobody likes to think about, but securing life insurance is wise for both working and stay-at-home parents, alike. And just because you're not making money doesn't mean you're not contributing to your family. Securing life insurance will help your family with funeral bills, child care, education costs, and more if something ever happens to you.</p> <h2>3. Divorce Dollars</h2> <p>The rate of divorce has more or less stayed the same over the past several decades at around a whopping <a href="http://www.forbes.com/sites/emmajohnson/2014/10/27/are-you-a-stay-at-home-mom-facing-divorce-dont-expect-alimony/">50% of marriages</a>. Stay-at-home parents are in vulnerable financial positions if they find themselves in the courtroom to make the split. Whereas alimony used to be the standard means of support in years past, judges are now <a href="http://www.huffingtonpost.com/beverly-willett/are-stayathome-parents-at_b_907792.html">granting these maintenance dollars</a> much less freely. Of course, health insurance, retirement, court fees, and other money woes are wrapped up in this issue as well.</p> <h2>4. Resume Builder</h2> <p>Thinking ahead, I know I'll someday need to go back to full-time employment. Getting a job with a huge gap in my work history sounded daunting. So, I've been keeping my skills current. As a writer, I've had the amazing opportunity to work from home through freelance writing. Even if your area of expertise isn't so easily honed from home, you can check out different volunteer gigs, side-jobs, education opportunities, professional connections, and other ways of staying fresh in your field. That way, when you do submit a resume years down the line, you'll show you've stayed connected to the job market.</p> <h2>5. Emergency Fund</h2> <p>Even the most financially sound families should save up an emergency fund. We found this area particularly important when I decided to stay home. For example, my daughter ended up having some unforeseen medical issues. Our monthly budget only makes ends meet, so having some extra money set aside helped soften the blow from all the doctor bills. A broken furnace, totaled car, or even your spouse's job loss could spell disaster without some planning. (See also: <a href="http://www.wisebread.com/is-building-an-emergency-fund-always-a-good-idea?ref=seealso">Is Building an Emergency Fund Always a Good Idea?</a>)</p> <p><em>How has staying at home impacted your financial planning?</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/5-financial-pitfalls-stay-at-home-parents-should-avoid">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/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal">8 Ways Having Kids Makes You More Frugal</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-nfls-5-most-frugal-players">The NFL&#039;s 5 Most Frugal Players</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family Lifestyle kids retirement savings stay-at-home parents Tue, 26 May 2015 09:00:08 +0000 Ashley Marcin 1431028 at http://www.wisebread.com The 5 Best Underwater Watches http://www.wisebread.com/the-5-best-underwater-watches <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-underwater-watches" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/swimmer_underwater_watch_000016225142.jpg" alt="Woman using best underwater watch during swim" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the best feelings in the world is taking a trip to the beach and throwing yourself into the water. One of the worst feelings in the world is realizing you forgot to take off your watch before you did. Whether you&rsquo;re looking for something to keep track of your time in the pool or time yourself on laps for training, a watch that can still be used after being underwater is a great thing for any aquaphile to have on hand (literally)!</p> <h2>What Is an Underwater Watch?</h2> <p>An underwater watch does just what its name promises: it can survive being underwater without shorting out, giving you the time in the middle of the ocean, or giving you one less thing to have to worry about taking off before jumping into the pool. Many watches of this variety are geared towards swimmers and other aquatic athletes, so they come with features fit for fitness like timers and clear visibility in water. Some watches are also equipped with extra durability so they can be used at exceedingly deep points in the ocean or lakes, making them &quot;diving watches.&quot; It is important to note that just because a watch is made for underwater use does not automatically mean it can be used as a diving watch, and if this is an essential feature to you, make sure the piece you are buying can handle the depths you plan on traversing.</p> <h2>Top 5 Underwater Watches</h2> <h3>Casio Men&rsquo;s AE1000W-1B</h3> <p><a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Casio%20Mens%20AE1000W-1B.jpg" width="174" height="250" align="right" alt="" /></a>Coming with a one-year warranty from Casio, the <a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL">Casio Men&rsquo;s AE1000W-1B</a> is a stylish and effective waterproof watch. It comes with a 10-year battery and can be used up to 330ft, or 100m. This depth means this watch is a great option for anyone who wants to go swimming or snorkeling, but not diving. With multiple alarms, analog and digital formats, and a world time zone display, this watch is just as suited to be in the water as out of it. Its fashionable design means you can easily match it with suits or other attire as well as your swimming gear.</p> <p>As one of the best selling watches on Amazon, it&rsquo;s clear that the Casio Men&rsquo;s AE1000W-1B is a great purchase for those who want a watch appropriate for all occasions, especially swimming.</p> <p><em><a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL">Currently $16.54 on Amazon</a></em></p> <h3>Garmin Swim Watch With Garmin Connect</h3> <p><a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Garmin%20Swim%20Watch%20with%20Garmin%20Connect.jpg" width="208" height="250" align="right" alt="" /></a>Garmin is a company known for making exceptional swimming watches perfect for your underwater needs, and the <a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC">Garmin Swim Watch with Garmin Connect</a> is no exception. This underwater watch option is definitely worth considering if you&rsquo;re looking for a watch for a more serious swimmer. The battery lasts about a year, but is easily replaceable by the user since it is a coin cell battery.</p> <p>Geared towards swimmers, the Garmin Swim Watch comes with GPS capabilities and can record your strokes, laps, and speed. It can act as a stopwatch to help you keep track of time even better when you&rsquo;re mid workout. At the end of the day, the Garmin Swim Watch with Garmin Connect can upload all of your results to the Garmin website to check your times and compare them.</p> <p><em><a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC">Currently $149.99 on Amazon</a></em></p> <h3>Pyle Waterproof Underwater Snorkeling &amp; Diving Multi-Function Water Sport Wrist Watch</h3> <p><a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Pyle%20Waterproof%20Underwater%20Snorkeling%20%26%20Diving%20Multi-Function%20Water%20Sport%20Wrist%20Watch.jpg" width="164" height="250" align="right" alt="" /></a>Another great swimming and diving watch with great style, the <a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ">Pyle Waterproof Underwater Multifunction Wrist Watch</a> does just what its name implies and fills multiple roles all at once.It comes in a variety of colors to match your personal style. If you&rsquo;re looking for an underwater watch that can also handle diving, this watch is worth looking into, since it has specific functions to handle diving in lakes or the ocean.</p> <p>In fact, if you forget to manually engage diving mode, this watch will automatically switch to it once you&rsquo;ve descended. Though some of the buttons are easy to accidentally press and coming up in the middle of a dive will reset the dive timer automatically (which can be a little annoying, according to some customers), the watch is overall a win for those who are looking to have a great looking dive watch that puts out great performance overall.</p> <p>The battery in this watch will have to be changed by an outside source, but that is a minor inconvenience if all the other features listed are exactly what you need to keep your swimming, snorkeling, diving, or daily living experiences timely and informative.</p> <p><em><a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ">Currently $89.05 on Amazon</a></em></p> <h3>Freestyle Unisex 102240 Shark Fast Strap Retro &lsquo;80s Digital Watch</h3> <p><a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Freestyle%20Unisex%20102240%20Shark%20Fast%20Strap%20Retro%2080s%20Digital%20Watch.jpg" width="129" height="250" align="right" alt="" /></a>If you&rsquo;re looking for a watch with a cute color scheme, that you can take with you to the pool or even into the shower, the <a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR">Freestyle Unisex 102240 Shark Fast Strap</a> watch might be the one you&rsquo;re looking for. The strap is made from a durable canvas material for a more laid back look, and if you&rsquo;re not happy with the color, there are plenty of options available to match your everyday style or your bathing suit.</p> <p>This watch comes with many basic functions like a stopwatch, dual time, and night vision display. It is waterproof up to 50m, so not the most resilient watch on our list, but if you&rsquo;re not diving intensely this should suffice. The face is made with mineral crystals to keep it from scratching, and the face comes with a light so you can see the time in the dark.</p> <p><em><a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR">Currently $33.66 on Amazon</a></em></p> <h3>Swimovate PoolMate Watch</h3> <p><a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Swimovate%20PoolMate%20Watch.jpg" width="190" height="250" align="right" alt="" /></a>With a simple design that comes in three colors (black, pink, and blue) and essential features for any swimmer, the <a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S">Swimovate PoolMate Watch</a> is a great addition to the accessory collection of any serious swimmer. This watch has an accurate lap counter to help you keep track of up to 99 separate sets within a swimming session so you can see changes within the workout itself instead of just one lump sum of times at the end.</p> <p>On top of your laps, the watch will also count your calories burned, your speed, your average stroke time, and distance. This is all thanks to very sensitive motion sensors in the watch that read the movements in your arm with almost 100% accuracy. Since it is only waterproof up to 50m, it is not a diving watch, but is still meant to be used underwater since the buttons and functions still work when submerged.</p> <p>When you&rsquo;re not getting in your water workout, the Swimovate PoolMate Watch still fits with any day-to-day outfit with its unassuming design and comes with basic watch features like alarm clock and even a chrono mode for other sports, giving you a great product in and out of the pool.</p> <p><em><a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S">Currently $90.87 on Amazon</a></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-underwater-watches">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/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> <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-7-dumbest-big-purchases-people-make">The 7 Dumbest Big Purchases People Make</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-sunscreens">The 5 Best Sunscreens</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/wise-bread-gift-guide-gifts-that-save-money">25 Gifts That Save Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping fitness product reviews shopping underwater watches watches Wed, 13 May 2015 09:00:09 +0000 Janae Spinato 1405251 at http://www.wisebread.com Best Money Tips: Make Money With a Fitness Tracker http://www.wisebread.com/best-money-tips-make-money-with-a-fitness-tracker <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-make-money-with-a-fitness-tracker" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fitness_tracker_000044739080.jpg" alt="Woman using fitness tracker to make extra money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to earn money with your fitness tracker, saving time in the kitchen by being lazy, and what you need to know if you're selling your house.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0423/Fitbit-profit-Seven-ways-to-earn-money-with-your-fitness-tracker">Fitbit profit? Seven ways to earn money with your fitness tracker.</a> &mdash; Many websites and apps will sync up with your fitness tracker and give you points for your healthy habits. Cash in those points for gift cards and other rewards! [The Monitor]</p> <p><a href="http://couponpal.com/blog/3-ways-to-save-time-in-the-kitchen-by-being-lazy">3 Ways to Save Time in the Kitchen By Being Lazy</a> &mdash; Go ahead and let your dishes pile up. Let them soak in soapy water, then do your dishes all at once when there's a big enough batch. [CouponPal]</p> <p><a href="http://www.aspiringmillionaire.com/2015/04/looking-to-sell-your-house-here-are-5.html">Looking to Sell Your House? Here Are 5 Things You Need to Know</a> &mdash; You'll have a hard time selling your house if potential buyers can't find it. Make sure directions are clear and you have eye-catching signage in front of the property. [Aspiring Millionaire]</p> <p><a href="http://www.popsugar.com/smart-living/Habits-Break-Your-30s-35080774">33 Things to Quit Doing When You Hit Your 30s</a> &mdash; By your 30s, it's time to stop talking about your drunken nights on social media. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-etsy-shops-for-the-perfect-mothers-day-gift">6 Etsy Shops for the Perfect Mother's Day Gift</a> &mdash; Check out these Etsy shops for fun and cute jewelry, accessories, artwork, and more! [Parenting Squad]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.kiplinger.com/slideshow/taxes/T055-S003-valuable-things-you-can-learn-from-your-tax-return/index.html">7 Valuable Things You Can Learn From Your Tax Return</a> &mdash; Having a Health Savings Account can increase your medical deductions. [Kiplinger]</p> <p><a href="http://www.bargaineering.com/articles/wealth-building-secrets-richest-neighbors.html">Wealth building choices of your richest neighbors</a> &mdash; There's no secret to building wealth &mdash; it just takes a few smart money choices. [Bargaineering]</p> <p><a href="http://www.thousandaire.com/3-decisions-that-may-hurt-your-diversification-efforts/">3 Decisions that may Hurt your Diversification Efforts</a> &mdash; Using a global fund to fill an international allocation may not be as diverse as you expected. Some global funds actually invest up to half of their assets in US securities. [Thousandaire]</p> <p><a href="http://www.listenmoneymatters.com/stuff-you-can-rent-rather-than-buy/">Stuff You Can Rent Rather Than Buy</a> &mdash; Besides clothing and tools, there are a number of other items that you can rent &mdash; a few on this list will definitely surprise you! [Listen Money Matters]</p> <p><a href="http://blog.readyforzero.com/heres-personal-loan-bad-credit/">Here&rsquo;s How to Get a Personal Loan with Bad Credit</a> &mdash; It's possible to get a personal loan even if you have bad credit. However, you'll need to take a few steps to ensure the lender is legit. [ReadyForZero]</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-make-money-with-a-fitness-tracker">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/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</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/make-your-hobby-pay-its-way">Make Your Hobby Pay Its Way</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/after-your-wedding-say-yes-to-selling-the-dress">After Your Wedding, Say Yes to Selling the Dress</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-sell-your-crap-a-book-review-and-tips">How to Sell Your Crap: A Book Review and Tips</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Lifestyle best money tips fitness tracker Tue, 28 Apr 2015 19:00:32 +0000 Amy Lu 1404917 at http://www.wisebread.com The 5 Best Road Bikes http://www.wisebread.com/the-5-best-road-bikes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-road-bikes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_bike_city_000023347045.jpg" alt="Man riding best road bike through town" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for a great way to explore the roads in your area without having to find a walking buddy? Looking into a sturdy, affordable road bike is what you need to get into the groove of riding to see some great scenery, to get in shape, or to start training for a competition. Just because you don&rsquo;t cycle in the Tour de France doesn&rsquo;t mean you don&rsquo;t deserve a great road bike for your own personal enjoyment.</p> <p>Whether you are a competitor or looking to get some great exercise, cycling is a great way to get your heart pumping while getting to explore the local road paths around your neighborhood.</p> <h2>What is a Road Bike?</h2> <p>Just like their name implies, road bikes are bikes built specifically to be used on paved surfaces like roads as opposed to rougher, more erratic terrain. Their tires are thinner than other kinds of bikes, and have very little tread. The construction of these bikes is much lighter than that of others, and they are usually built with derailleur gears, though variations like single speeds also exist.</p> <p>A road bike&rsquo;s handles are wider, perfect for use over longer periods of time while other bikes are not optimized for this kind of comfort. The wider handles can make it a little harder to control this kind of bike, but a road bike&rsquo;s build is unmatched in pavement riding ease and enjoyment. If the roads around your neighborhood are littered with potholes or are notoriously unsmooth, a mountain bike, which is built for more unforgiving terrain might be a better investment. Even so, a good road bike can handle a little bit of gravel or packed dirt, but don&rsquo;t expect the same amount of smoothness or comfort that comes from riding on the pavement.</p> <h2>Top 5 Road Bikes</h2> <h3>Trek Madone 6 Series</h3> <p><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trek%20Madone%206%20Series.jpg" width="250" height="150" align="right" alt="" /></a>The <a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Trek Madone 6 Series</a> is considered the best road bike overall by consumersearch.com, if you are looking to get into hardcore cycling and want a good time-trial bike to get started. A complete redesign from preceding Madone models, the 6 series has been made lighter and more aerodynamically fit with this iteration. This bike took second place for Bike of the Year in 2013 according to Road.cc, and with the improvements made to the Madone design, it&rsquo;s not surprising. The KVF tube shapes create a special condition where the air traveling around the bike treats it as though it is a much deeper shape, making the bike much faster than ever before.</p> <p>One of the major points of enjoyment for this bike is actually the comfort when using the seat. Bikes of this performance level can be uncomfortable, but the Trek Madone series has found a fabulous blend of comfort, performance, and durability. The frame itself is made of optimum compaction low void carbon, making it super stiff but not as heavy. This rigidity is essential in frame longevity and resilience to twisting.</p> <p><em><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Currently $2,499.99 on Trek Bicycle Superstore</a></em></p> <h3>Critical Cycles Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Critical%20Cycles%20Single%20Speed%20Road%20Bike.jpg" width="250" height="200" align="right" alt="" /></a>Considered the best single speed road bike on consumersearch.com, the <a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Critical Cycles Single Speed Road Bike</a> is a good fit if you live in a not too hilly area and want a road bike for a good price. One of the things customers really appreciate about Critical Cycles Single Speed Road Bike is that it comes with many customizable options like color and various upgrades to make your bike the perfect fit for your needs. The frame is made of steel and the bike itself can be fast on the handling. With two modes activated by the flip-flop hub, riders can switch between fixed-gear mode to cruising when switching to single speed mode. The BMX style handlebars make this a great bike for anyone looking to do or learn tricks with this bike.</p> <p>Be aware that the Critical Cycles Single Speed only has one set of brakes in the back, which, according to some users, might wear out more quickly than expected. Its gears are a ratio of 48:16 (petal crank cog to rear crank), making the bike ride smoothly on your average road but struggle once things take a turn for the hilly. If you&rsquo;re still interested in this bike but know your area isn&rsquo;t the most flat, changing the chainring is a suggested course of action.</p> <p><em><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Currently on Amazon for as low as $195.15</a></em></p> <h3>Takara Kabuto Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Takara%20Kabuto%20Single%20Speed.jpg" width="250" height="212" align="right" alt="" /></a>An Amazon best seller, the <a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Takara Kabuto Single Speed Road Bike</a> is another great option for people who want to get into road biking without breaking the bank on their first purchase. In particular, this bike is advertised as a good commuting bike, with a steel frame and horizontal dropouts that can make riding through the big city a breeze. This does make the Kabuto heavier (at about 30 pounds), but it still rides extremely smoothly. The tires it comes with are larger than average which add to the comfort factor in this bike since they are great for riding over city obstacles like potholes. A major advantage of this bike is its flip-flop hub which allows you to go in between single and fixed gears, giving you the opportunity to cruise if you&rsquo;d like.</p> <p><em><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Currently as low as $179.99 on Amazon</a></em></p> <h3>Cannondale CAAD8 7 Sora</h3> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Cannondale%20CAAD8%207%20Sora.jpg" width="250" height="164" align="right" alt="" /></a>The Cannondale brand has its roots in making bikes out of aluminium and the <a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora">CAAD88 7 Sora</a> is no different. Getting rave reviews of amazing balance, this bike is a proud addition to the Cannondale family of road bikes. It finds a healthy medium between the comfort road bikes of this variety like to offer the newer users that inevitably purchase it and the intensity of more expensive, serious competitor road bikes on the market.</p> <p>This bike also seems to perform well on some dirt road conditions as well, making it a great bike if you know there&rsquo;ll be a rough patch on your route here and there. The frame is made of aluminium, making it exceptionally stable while retaining a light weight. The headtube on the bike is higher than some other models, meaning you might find the handlebars to be low when riding the CAAD8 7 Sora, but now low enough that it causes discomfort or distracts from its great handling. If you live in a more hill-heavy area, the Cannondale CAAD8 7 Sora come with 34/26 low gear, meaning getting uphill won&rsquo;t be as strenuous an uptaking as it would with other models.</p> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><em>Currently listed at $980 on cannondale.com.</em></a><em> To purchase, find a dealer near you on the site listed below</em></p> <h3>Fuji Transonic 2.7</h3> <p><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Fuji%20Transonic%202.7.jpg" width="250" height="167" align="right" alt="" /></a>There is no questions that the <a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Fuji Transonic 2.7</a> is a high performance road bike. If you&rsquo;re looking to take a step into serious cycling, this might be the perfect bike to get you there. The focus when creating this bike was clearly speed, so if you&rsquo;re looking to go fast you&rsquo;re in the right place. Carbon-fiber is what the frame consists of, a material known to be more durable and effective than the aluminium used in frames of lower-end road bikes.</p> <p>The bike is exceptionally smooth, making it great for speed, making it a great competitor especially when faced with crosswinds. The full Oval Concepts cockpit and wheels are a specifically Fuji design, ensuring the exceptional performance standard found in the Fuji Transonic family up to this point. The downtube sections are larger than you&rsquo;ll find on a usual aero bike, but their shape has not been compromised to maintain speed expectations. Brakes on the Fuji Transonic are very well hidden but very effective. At 18 pounds this bike is light and is ready to give you some of the best speed performance on the market for the price.</p> <p><em><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Currently $1799.99 on performancebike.com</a></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-road-bikes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-can-do-to-reduce-your-risk-of-diabetes">10 Things You Can Do to Reduce Your Risk of Diabetes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-sunscreens">The 5 Best Sunscreens</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-underwater-watches">The 5 Best Underwater Watches</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle bikes fitness product reviews road bikes Wed, 22 Apr 2015 09:00:09 +0000 Janae Spinato 1378291 at http://www.wisebread.com Invest Your Time in These 13 Things While You're in Your 20s http://www.wisebread.com/invest-your-time-in-these-13-things-while-youre-in-your-20s <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/invest-your-time-in-these-13-things-while-youre-in-your-20s" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/asian_student_000017738107.jpg" alt="Asian student studying" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Our 20s fly by before we know it, and we want to make sure we did the decade justice. Did we worry about the right things? Are we where we should be now? The best way to prepare for those questions and answer them to the best of our abilities, is to make sure we spend time on what really matters and what may help us in the future. We took a look at a <a href="http://www.quora.com/How-should-a-24-year-old-invest-time-1">Quora thread</a> that had great advice for people in their 20s who may be wondering what some of the important things to invest time in may be, and here is what we found.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Things-Happy-People-Do-34870691">15 Things Incredibly Happy People Do</a></p> <h2>1. Network</h2> <p>If you form a solid mainstay of people, you are exposed to more opportunities and potential for success in both your career and in your personal life. Build bridges, because you never know when you might be looking to cross them. As <a href="http://www.quora.com/Karan-Jaiswani">Karan Jaiswani</a> put it, &quot;the 20s are all about utilizing your today and structuring your future.&quot;</p> <h2>2. Read &mdash; A Lot</h2> <p>There is nothing more productive than taking the time to read. Read whatever you can get your hands on &mdash; current news, nonfiction, fiction, career advice, self-help books &mdash; anything! The more you know and understand about people around you, yourself and the world, the more easily and successfully you can navigate those very things.</p> <p>&quot;This will keep your mind stimulated and open to ideas. You will get a number of ideas for each author that you can implement in your life. You will also get opinions from across the globe,&quot; <a href="http://www.quora.com/Rizwan-Aseem">Rizwan Aseem</a> says.</p> <h2>3. Take Care of Your Body</h2> <p>Making time at night to wash your face, exercise, and remembering to apply (and reapply) sunscreen may not be on the top of your priority list, but it should be. General health care is something that, later in life, you will be glad you considered in your 20s. As <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> points out, &quot;No matter what you do in your life, you will do it in your body. You cannot replace it, get a new one, or trade it in. This is your body and you will live in it.&quot;</p> <h2>4. Use Your Time and Money on Education</h2> <p>Education is an invaluable resource that you are unlikely to ever regret having. Money is well spent when it is used to broaden your mind and pool of knowledge, especially when honing skills to be applied to your career path. <a href="http://www.quora.com/Anuj-Kumar-1">Anuj Kumar</a> advises you to &quot;try different things and find out where your passion lies&hellip; and then find ways to make a career doing that, adding that &quot;if you need further education, get it.&quot;</p> <h2>5. Pay Attention to Your Mental Health and Wellbeing</h2> <p>While your physical health is extremely important, investing time into taking care of your mind should not be forgotten. Stimulate it, challenge it, be conscious of what you're exposing it to daily, and take care of yourself. <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> makes the point that, &quot;The mind, like anything else, has the characteristics of a muscle. You use it, or lose it. And as long as you are using it, it will remain fit and healthy. The minutes you stop using it, it will decay and rust.&quot; So use it!</p> <h2>6. Learn New Skills (and Master Them)</h2> <p>While the advice to &quot;follow your passion&quot; can be good in the general sense, <a href="http://www.quora.com/John-J-Bowman-Jr">John. J. Bowman</a> urges those in their 20s to master and control a set of skills that can be used to benefit you within the field you are passionate about.</p> <h2>7. Create and Maintain Good Habits</h2> <p>The hardest part of creating good habits is getting started, but once you are able to master them, they will have an undeniably positive impact on your day-to-day as well as your future, because, as <a href="http://www.quora.com/Rizwan-Aseem">Rizwan</a> notes, &quot;once a habit is established it lasts for a life time.&quot;</p> <h2>8. Build Meaningful Relationships</h2> <p>Now is the time to drop the fair-weather friends and make time only for those who are really going to stick around and be positive forces in your life. As you mature, so should your relationships, so you don't have time to waste on people who will be harmful rather than helpful in your pursuit of your future goals.</p> <h2>9. Eat Well</h2> <p>Spend time planning meals, learning healthy recipes, and overall taking what you're eating into consideration regularly. Gone are the days when donuts, chips, and sodas can pass as a full day's meal. Even it if takes a little more time and effort, your future self will thank you when you find yourself maintaining your energy and healthy body as you age.</p> <h2>10. Establish a System for Handling Finances</h2> <p>Sit down and figure out how you are spending money, what you are spending it on, and what your ongoing expenses are. &quot;If you take care of your finances starting today they will take care of you when you most need them. When you are old, or sick, or sending your kids to school, or helping a parent through sickness. Your finances will help you,&quot; <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> says. Big pitfalls to avoid: bad business opportunities (if it seems to good to be true &mdash; it is), overuse of credit cards, and choosing not to save or put money aside for a rainy day.</p> <h2>11. Travel</h2> <p>In your 20s, you're full of enthusiasm and energy and usually have the mobility to indulge a bit of wanderlust. So indulge it. Experience new cultures, countries, and challenges. You will learn things that you can take with you and apply to your life back at home.</p> <h2>12. Communicate With Loved Ones</h2> <p>Make an effort to remember birthdays, holidays, and important events. Your family and close friends can act as your support system when you need it, but you should put the time in and return the favor. Small gestures that show you are thinking about the people who love you go a long way, so take the extra five minutes to write a nice card and stick it in the mail, or schedule that quick Skype call &mdash; you won't regret it.</p> <h2>13. Examine What You Really Want in Life</h2> <p>It's easy to get caught up in the everything going on throughout your 20s, and people often forget to actually sit down and contemplate what it is they really want. <a href="http://www.quora.com/Tonya-Turpin">Tonya Turpin</a>&nbsp;advised that you &quot;actively, and with intent, become aware of the world and everything it holds. Not just about the outside world, but also the one in your head. Spend time alone because it is the only true way to get to know yourself. Be curious and question everything.&quot; Make the time to figure out what you love, and map out a plan of how to get it.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> When we&#039;re in our 20s we feel possibility ahead of us as nearly infinite. Grasp it by laying the foundation of your future when you&#039;re young, smart, and full of health. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a style="border:none;" href="http://www.savvysugar.com"><img style="height:95px; width:300px" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" alt="" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Uses-Old-Books-23418154#photo-23418154">21 Uses For Old Books</a></li> <li><a href="http://www.popsugar.com/smart-living/Inspirational-Quotes-36634903#photo-36634903">46 Quotes From Reddit That Will Change Your Life For the Better</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Shorten-Cleaning-Time-22498197">The Lazy Girl's Guide to a Clean Home</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/invest-your-time-in-these-13-things-while-youre-in-your-20s">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/16-ways-you-are-causing-road-rage">16 Ways You Are Causing Road Rage</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/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-that-thing-really-change-your-life">Will That Thing Really Change Your Life?</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-thoughtful-and-frugal-personalized-gift-ideas">25 Thoughtful and Frugal Personalized Gift Ideas</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-places-to-go-to-beat-the-summer-heat">9 Places to Go to Beat the Summer Heat</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Lifestyle Personal Development 20s career retirement planning Fri, 27 Mar 2015 09:00:07 +0000 POPSUGAR Smart Living 1302679 at http://www.wisebread.com 10 Investing Lessons You Must Teach Your Kids http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-investing-lessons-you-must-teach-your-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_son_money_000014942268.jpg" alt="Mother talking to her son about investments" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Roughly 68% of Americans feel that <a href="https://www.wellsfargo.com/about/press/2014/middle-class-retirement-saving_1022/">saving for retirement</a> is harder than they anticipated. Some 25% of all middle-class Americans &quot;get depressed&quot; when even thinking about it. And 40% of millennials have no idea how much <a href="https://www.wellsfargo.com/press/2014/20140610_millennials">money to save</a>. The most frightening statistic: 21% of Americans think that <a href="http://www.consumerfed.org/pdfs/Financial_Planners_Study011006.pdf">winning the lottery</a> is the most practical way for them to fund their retirement.</p> <p>I discussed these problems and the financial behavior of investors with Rob Pivnick, a financial literacy advocate and author of &quot;<a href="http://www.amazon.com/gp/product/B00NDHXOH8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00NDHXOH8&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5MOTCBD3L7AR5A2F">What All Kids (and Adults Too) Should Know About...Saving &amp; Investing</a>.&quot; His message is that parents should teach their children the right habits as early as possible, so they don't become one of these statistics. And it doesn't have to be difficult. Here are 10 easy ways to teach your children about smart investing.</p> <h2>1. Start Them Off Early</h2> <p>Starting to save as early as possible is the easiest way to let your money work for you. In fact, this is probably the number one thing you can teach your children about money.</p> <p>Consider this example from Rob's book comparing two savers: One starts saving when he is 20 years old, while the other waits until she is 30 years old. Each one saves $100 per month until they are 60 years old, and they both get the same 8.5% return. The early saver will have $406,825. The saver who waited ten years will only accumulate $166,339. That 10 year difference results in over $240,000 more growth! But the difference in the amount contributed was only $12,000 &mdash; compound interest made up all the rest. So, encourage your children to start investing now.</p> <h2>2. Don't Try to Beat the Market</h2> <p>Your kids should want to be average &mdash; at least when it comes to investing. It is better to embrace the market than try to beat the market. It isn't very often in life that you won't tell your children to try to be the best, but when it comes to investing, teach them to be average. Passive management, or indexing, is an investment approach that tries to match the performance of the market as closely as possible rather than try to beat it.</p> <p>Over the long term, it is impossible to consistently beat the market without taking on additional risk. Over just about any historical five year period, passive index funds beat actively managed funds. Over the last five years, for example, only 20% to 35% of <a href="http://www.spindices.com/documents/spiva/spiva-us-mid-year-2014.pdf">actively managed funds</a> beat the benchmark for their category. The professionals aren't smarter than the market. And neither are you (or your kids). It's a humbling fact, but still a fact nonetheless. (See also: <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett?ref=seealso">5 Investors With Better Returns Than Warren Buffett</a>)</p> <h2>3. Minimize Expenses: Invest in Low-Cost Index Funds</h2> <p>Actively managed funds have an average expense ratio of a full percentage point higher than passive funds. One percent may not sound like much, but over the long term it becomes much more significant. How does this translate into lost dollars? Well, from another example in Rob's book, if you invested $100,000 over 30 years at an average yearly growth of 8.5%, paying for those higher fees would cost you approximately $280,000. (See also: <a href="http://www.wisebread.com/3-steps-to-getting-started-in-the-stock-market-with-index-funds?ref=seealso">3 Steps to Getting Started With Index Funds</a>)</p> <p>Everyone should know that past performance is no indication of future returns. But does everyone know that the most accurate predictor of future returns is low fees? When looking at factors like past performance, fees, and Morningstar ratings, expense ratios are the only reliable predictor of future performance.</p> <h2>4. Think Long Term: Buy and Hold Is the Best Strategy</h2> <p>The average <a href="http://www.dalbar.com/ProductsampServices/AdvisorsSolutions/QAIB/tabid/214/Default.aspx">investor's annual return</a> is around 4%. That's compared to the historical average market return of 8.5%. Why? Because we tend to invest emotionally &mdash; which causes us to buy high, and sell low (instead of the opposite).</p> <p>Emotional investing is a losing strategy. Don't fall into this trap &mdash; teach your children to stick to their long term plan and ignore the daily market swings.</p> <h2>5. Don't Put All Your Eggs in One Basket</h2> <p>An important part of smart investing is diversifying. While diversification alone won't increase returns, it allows investors to reduce their risk. Diversification limits losses without sacrificing gains. It's the only way to do that. It's the &quot;free lunch&quot; of investing.</p> <p>By spreading investments over a variety of sectors and assets, the risk that any specific investment will fail is partially canceled by the other investments, thereby lowering the overall risk. Teach your adolescent children to diversify among asset classes, and furthermore, to diversify within each type of asset (such as different sectors, geographical regions, market capitalization, industries, etc.). Pivnick's book devotes a very readable chapter to diversification and provides useful examples of how to make it work for you.</p> <h2>6. Involve Your Children in Investment Decisions</h2> <p>Parents know that children tend to model their behavior after them, so it should be unsurprising that children's saving and investing behavior also follows that of their parents. Any chance you have to involve your children in day-to-day discussions about money are learning opportunities. And they are habit forming. If your children see you making sound, reasoned decisions about spending, they will start to think the same way about their spending habits.</p> <h2>7. Have Kids Write Goals and Savings Charts</h2> <p>It shouldn't come as a surprise that those who write down their goals are a third more likely to reach them. Plus, this can serve as a teaching moment for budgeting.</p> <p>As soon as your children receive birthday money, are old enough to do chores, or begin earning allowance, start a savings chart outlining their budget. People who write down their savings goals save, on average, over two times more than those that don't write a goal down.</p> <h2>8. Practice Learning by Doing</h2> <p>Anything you can do that actually involves your children in &quot;money&quot; tasks is a teaching opportunity and can instill good spending habits. Here are a few examples Rob provided:</p> <ul> <li>Have them help you figure out the restaurant bill and tip.</li> <li>Take them to the bank with their piggy bank to deposit funds in a savings account.</li> <li>Encourage them to take the lead on a refund or return with customer service.</li> <li>Allow them to negotiate a discount on the purchase of goods and services.</li> </ul> <h2>9. Give Limited Control and Let Them Make Mistakes</h2> <p>Once they are old enough, young adults should be given limited access to their money or bank accounts. Limited, in the context of parents-get-final-say-and-approve-silly-purchases, but still providing enough room to allow them to make those silly purchases. It only takes one super wasteful purchase to teach a lesson.</p> <h2>10. Teach Rules of Thumbs and Takeaways</h2> <p>Studies have shown that <a href="https://www.moodys.com/microsites/miic2010/presentationfiles/Fischer.pdf">rule-of-thumb money rules</a> affect financial behavior more than a thorough lesson on the topic. So, the rules of thumb must be included in your discussions. Here are some examples.</p> <ul> <li>After a lesson on compounding, provide an actionable takeaway, such as &quot;start early.&quot;</li> <li>Show the power of diversification with a rule of thumb: &quot;A single stock is riskier than a stock mutual fund.&quot;</li> </ul> <p>In Pivnick's book, you can find a great list of 14 takeaways to share with your children. After all, as parents, you want your kids to succeed &mdash; so set them up for that success by following these tips.</p> <p><em>What are you doing to teach your children about smart investing?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids">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-financial-pitfalls-stay-at-home-parents-should-avoid">5 Financial Pitfalls Stay-at-Home Parents Should Avoid</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-tell-if-youre-on-track-for-retirement">How to Tell if You&#039;re on Track for Retirement</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/buy-baby-bunting-but-dont-pay-full-price">Buy Baby Bunting... But don&#039;t pay full price!</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/one-simple-trick-to-get-the-best-tax-benefit-from-your-retirement-portfolio">One Simple Trick to Get the Best Tax Benefit From Your Retirement Portfolio</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-boost-your-odds-of-retiring-early">5 Ways to Boost Your Odds of Retiring Early</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Investment Lifestyle allowance investment money smart raising kids savings Fri, 20 Mar 2015 13:00:11 +0000 Damian Davila 1349215 at http://www.wisebread.com 8 Ways Having Kids Makes You More Frugal http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-having-kids-makes-you-more-frugal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_family_000011085198.jpg" alt="Happy family at the park" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I was chatting with a childless friend over dinner about how I'd been <a href="http://www.wisebread.com/10-things-ive-learned-from-grocery-shopping-on-a-budget">feeding our family of five</a> on $80-$100 a week. The friend was flabbergasted.</p> <p>&quot;My shampoo alone would take up most of that budget!&quot; she said. (I hope she was exaggerating.)</p> <p>The fact is, all of us are as frugal as we have to be to get by, except for those of us who fail to stay out of debt. But having kids actually makes us more frugal because we <em>have to save more</em> of our income to pay for their present and future needs. But there are other important ways that being a mother of three drives me to spend less on all aspects of life.</p> <h2>1. We Are Practically Banned From Restaurants</h2> <p>I used to brunch with toddlers. We'd hold our kids tight while we waited in line, lest we lose them in the sea of waiting adults. We'd ply them with Cheerios while we waited for our food, try to prevent their eggs from hitting the floor, but inevitably, one of us would have to dart out to the sidewalk to avoid disturbing other patrons when a kid started crying.</p> <p>Add onto all this stress the fact that many fellow restaurant patrons don't want to see us there, no matter how hard we work to keep our kids from disturbing them. And the huge tip we'd feel obligated to leave to <a href="http://www.marketwatch.com/story/should-parents-tip-more-than-non-parents-2015-02-10">compensate for the mess</a> we left.</p> <p>Finally one Sunday morning, it hit me that this was not easier than making eggs at home. Nope, it was just more stressful and expensive. If I wasn't enjoying a relaxing treat, why pay to dine out? Now we dine out with our kids only rarely, and when we do, it's likely to be at the least expensive restaurants (because those are the most kid-friendly ones). And we're not alone: Non-parents are more than twice as likely as parents to <a href="http://qz.com/262645/people-without-kids-live-better-than-parents-on-all-fronts-except-one/">eat in upscale restaurants</a>, according to a recent survey.</p> <h2>2. We Would Just Fall Asleep at Bars</h2> <p>Hitting a bar or two with coworkers after work was a weekly ritual when my husband and I were childless professionals. I recently read a San Francisco bar review that noted the cocktails were &quot;only&quot; $10, and I realized that this habit, while fun, was probably one of the reasons my husband and I never had much left in the bank at the end of each pay period.</p> <p>Nowadays, getting a sitter is too much work, no one wants to see our babies at bars, and we can't stay up until the clubs open&nbsp;<span style="color: rgb(84, 84, 84); font-family: arial, sans-serif; font-size: small; line-height: 18.2000007629395px;">&mdash;</span><span style="font-size: 13px; line-height: 1.7em;">&nbsp;so we enjoy our wine or cocktails at home, where we never have to tip the server.</span></p> <h2>3. We Are Playing for Keepsies Now</h2> <p>When we were a childless couple, we once seriously underestimated how much tax to withhold from our paychecks, and when tax time came, we owed thousands. It was a momentary freak out, but it wasn't hard to pick up a few hours of overtime at work, and cut back on going out until it was paid.</p> <p>With three kids to provide for, we know that we don't have the budget flexibility for an &quot;oh, well&quot; moment. We can't easily put in more work time because we are busy with the kids, and we have less fat in our budget to trim in an emergency. So we were forced to be frugal enough to build an emergency fund.</p> <h2>4. We Have No Time to Shop</h2> <p>Ever hear about deeply indebted consumers who shop compulsively every day? That certainly wouldn't be me, even if I actually liked to shop. Between running Girl Scout meetings, cooking meals, school pick-ups, and ice skating lessons, I'm lucky if I can get to the grocery store, much less a clothing store. If it's true for my wardrobe, it's even more true for our house, which is full of outdated and scratched-up furniture &mdash; not just because we don't have the extra money for a Pottery Barn splurge, but because we would never have the time to select new furniture anyway.</p> <p>Besides, this way we don't feel bad when one of the kids scrapes the coffee table with a pair of scissors or bleeds all over the old rug.</p> <h2>5. Time is Now More Precious Than Money</h2> <p>Like many mothers, I cut way back on my work time when my children were born. This, above all things, is why I got into frugality: I was on the lookout for ways to not have to leave the kids in order to earn more money. And I'm not alone in this desire: A Pew study found that fully a third of American parents feel they're not spending enough <a href="http://www.pewsocialtrends.org/2013/03/14/modern-parenthood-roles-of-moms-and-dads-converge-as-they-balance-work-and-family/">time with their children</a>.</p> <h2>6. Baby Gear Introduces Us to the Second-Hand World</h2> <p>When having a baby (probably more than any other time in life), we suddenly need to acquire a lot of stuff we never owned before &mdash; and that we will use for only a short time. All the clothes, shoes, tricycles, and such, are usually only good for a year, or so.</p> <p>I might have stopped by a thrift store now and then before having kids, but that sudden need for baby stuff is what got me into visiting consignment events, cruising Craigslist, joining Freecycle, and actively seeking hand-me-downs from other families. Once you've tapped into the second-hand and sharing markets for kids' gear, it's only a short step to using the same resources to acquire things for yourself. My current bike &mdash; my main means of transportation since we <a href="http://www.carfreemom.com">don't own a car</a> &mdash; came to me via Freecycle.</p> <h2>7. Kids Are Expensive &mdash; Like, Maserati Expensive</h2> <p>It's not just the cost of <a href="http://journalistsresource.org/studies/economics/inequality/investing-children-changes-parental-spending-children#">feeding, clothing, and housing children</a>, or the worry about how we're not saving enough for college. It's sports. It's back-to-school shopping. It's pressure to throw the best birthday party. And the child care &mdash; oh God, the child care.</p> <p>Even if we try not to go crazy spending on all the above categories, raising kids is more expensive now than ever, and it forces us to be frugal in every other area of our lives.</p> <h2>8. What We Really Long to Do is Free</h2> <p>In a recent survey, parents were 29% more likely than the childless to report getting fewer than&nbsp;six hours of sleep a night. This might explain why after work, childless friends might be out riding their new road bikes or taking cooking classes, but if I have a free two hours, my activity of choice is sleep. Sweet, free sleep.</p> <p><em>How has having kids made you more frugal?</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/8-ways-having-kids-makes-you-more-frugal">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/6-terrible-things-science-says-you-do-to-your-kids">6 Terrible Things Science Says You Do to Your Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-financial-pitfalls-stay-at-home-parents-should-avoid">5 Financial Pitfalls Stay-at-Home Parents Should Avoid</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-a-good-workout-even-with-kids-around">10 Ways to Get a Good Workout... Even With Kids Around</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/great-financial-gifts-for-children">Great Financial Gifts for Children</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/downsizing-with-kids">Downsizing With Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle children kids kids and money Thu, 12 Mar 2015 11:00:05 +0000 Carrie Kirby 1333602 at http://www.wisebread.com 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/iStock_000049968860_Large.jpg" alt="woman taking photo store" title="" 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 and 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-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/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/5-financial-pitfalls-stay-at-home-parents-should-avoid">5 Financial Pitfalls Stay-at-Home Parents Should Avoid</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/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</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/10-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</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-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/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/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do 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/how-to-look-rich-without-having-much-money">How to Look Rich Without Having Much Money</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