Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 6 Ways to Save Money on Family Road Trips http://www.wisebread.com/6-ways-to-save-money-on-family-road-trips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-save-money-on-family-road-trips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/road-trip-group-photo-64909735.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><font color="#666666"><i>This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our <a href="http://www.wisebread.com/advertiser-disclosure">Advertiser Disclosure</a> to view our partners, and for additional details.</i></font></p> <p>There's almost nothing more American than a family road trip, except perhaps a family road trip to a National Park (with plenty of M&amp;M's and a stop for Dairy Queen ice cream along the way.) And that's what my family was fortunate enough to do earlier this summer, courtesy of American Express. We <a href="http://www.wisebread.com/8-things-to-do-with-kids-at-the-st-croix-national-scenic-riverway"> took a road trip to St. Croix National Park</a> and managed to save some money along the way. Here are 6 ways to save money on your next road trip, without losing out on any of the fun. (<a href="http://bit.ly/1elJ6qC">Jump to details on how to win a free trip to a national park</a>.)</p> <h2>1. Plan Ahead</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/family-horizon-picnic-65198197.jpg" width="605" height="340" alt="" /></p> <p>The single best way to save money on your road trip is to plan ahead. When you're traveling with kids this means buying snacks ahead of time, so you're not in a convenience store with your children crying because they want &quot;all the candy.&quot; If you have a multi-night road trip, this means determining which hotel you'll stop at, so you aren't stuck at a $250/night motel because there's a conference in the only small town you've come across at 10:30pm after you're exhausted from a day of driving. Think about your major needs &mdash; when and where you'll need to eat and sleep and stretch &mdash; and you'll have a few extra dollars to spend at your destination. Just remember not to be too inflexible (or, for planners, we call this &quot;building in time for flexibility&quot;), as some of the best parts of road trips can be the random turnoffs to see a roadside waterfall or stopping at old-school putt-putt golf course along the drive.</p> <h2>2. Drive the Speed Limit</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/65-speed-limit-10377489.jpg" width="605" height="340" alt="" /></p> <p>When you're driving hundreds of miles, it pays to conserve fuel. Driving the speed limit on a freeway or highway without a lot of stop lights is one of the best ways to save gas. Plus, you won't get stuck with a $350 speeding ticket (which you won't be able to contest since it is too far to travel). Getting a few more miles to the gallon over the course of a 1000 mile road trip can save you enough for the ice cream cone you've been dreaming about.</p> <h2>3. Check your Insurance and Roadside Assistance Options</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/family-driving-convertible-17648266.jpg" width="605" height="340" alt="" /></p> <p>There's nothing worse than a broken vehicle or an accident while on a family road trip. Not only are you on a timetable and far from home, but the unknown of repairs or who to call in the middle of nowhere Kansas (or downtown NYC depending on your perspective) can be frightening. Thankfully, with many American Express cards, the Amex EveryDay Credit Card comes with the benefit of a quick call to the Roadside Assistance Hotline wherever you're stuck. And if you've rented a car for the road trip and paid with your eligible Amex card, you have accident insurance coverage. Check your card's eligibility, but these are great options when you're in pinch. Best part &ndash; the Amex EveryDay comes with no annual fee!</p> <h2>4. Earn Cash or Point Back on Gas and Snacks</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/camping-eating-corn-70757597.jpg" width="605" height="340" alt="" /></p> <p>If you're camping at a National Park, lodging is cheap, so the most expensive part of your trip will be food and fuel. With the Amex EveryDay, you earn 20% back after 20 purchases per billing cycle and 2x points at all U.S. supermarkets. So, stock up before you hit the road to maximize your savings. If you take a lot of road trips, you might want to check out Blue Cash Preferred&reg; from American Express. With this card you earn 6% cash back on supermarket purchases each year (on the first $6,000 of purchases) and 3% cash back at gas stations.</p> <h2>5. Get a Toll Pass</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/happy-dog-on-road-70676525.jpg" width="605" height="340" alt="" /></p> <p>Depending on how far and where you're traveling, getting an electronic toll pass could save you money on toll roads (and lots of time waiting in toll lines). The most common electronic toll pass is the E-Z pass, which is accepted in <a href="http://www.e-zpassiag.com/about-e-zpass/where-can-i-use-it">15 states along the East Coast</a>.</p> <h2>6. Volunteer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/on-the-road-12737913.jpg" width="605" height="340" alt="" /></p> <p>Once you're at your destination, a great way to save money on activities is to volunteer. One increasingly common activity is &quot;WWOOFing&quot; or &quot;World-Wide Opportunities on Organic Farms.&quot; My spouse and I enjoyed an unforgettable opportunity working on a small farm in Argentina several years ago. Unfortunately, most wwofing opportunities have several week minimum stays. So, a better option may be to volunteer at a national park. <a href="http://www.nps.gov/mora/getinvolved/vip-faq.htm">According to the National Park Service</a>:</p> <blockquote><p>&quot;Volunteers receive free admission to the park while volunteering, and may receive free camping or other accommodations as well, depending on the project and its duration (please see the housing question above). Meals are not provided. Annually, there is a &quot;volunteer recognition event&quot; where volunteers receive various service awards depending on their hours worked. And, of course, all volunteers have the opportunity to do meaningful work with interesting people in a National Park setting!&quot;</p> </blockquote> <p>The National Parks&rsquo; website lists volunteer projects that are currently available and children are also eligible to participate in some of the projects. Your family will have wonderful memories and you will have saved a lot of money on your road trip.</p> <p><i>How do you save money on road trips? </i></p> <p><i>On July 30th, Amex EveryDay kicked off a contest that encourages people to share a photo and caption of their&nbsp;own #EveryDayMoments, taken at any park, for a chance to win one of three trips to some spectacular National Parks:&nbsp;National Mall and Memorial Parks (Washington, DC), Yosemite National Park (California) and Grand Canyon National Park (Arizona).</i></p> <p><strong><i><a href="http://bit.ly/1elJ6qC">Click Here to Enter</a> between July 30th and August 31st;</i></strong><i>&nbsp;terms apply.</i></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/6-ways-to-save-money-on-family-road-trips">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/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-and-cheap-things-to-do-in-champaign-urbana">Free and cheap things to do in Champaign-Urbana</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel Fri, 28 Aug 2015 20:00:12 +0000 Elizabeth Lang 1540786 at http://www.wisebread.com 23 Relaxing Ways to Enjoy Your Kid's First Day at School http://www.wisebread.com/23-relaxing-ways-to-enjoy-your-kids-first-day-at-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-relaxing-ways-to-enjoy-your-kids-first-day-at-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_beach_000060463902.jpg" alt="Woman finding relaxing ways to enjoy kid&#039;s first day of school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hear that sound, moms and dads? It's the silence you've been craving &mdash; oh, I don't know &mdash; since about 72 hours into your kids' summer vacation. What to do, what to do? You probably already have your time-to-relax schedule all planned out for the first day back to school, but if you've been slacking in that regard, here are a few ideas to make the most of your well-deserved downtime.</p> <h2>1. Hit the Beach (If You're Near One)</h2> <p>I live on the Jersey Shore and the days to enjoy an afternoon on the beach are dwindling. If you're in a beach town (or near one), get out there and enjoy the sand and surf before the chilly weather starts to roll in.</p> <h2>2. Take Yourself Out to Lunch</h2> <p>Like an adult lunch. No grilled sandwiches or ramen or Tyson chicken whatever &mdash; you know, the stuff the kids ate all summer and you nibbled on because you didn't feel like making a separate meal. Put your good pants on and have a proper lunch containing real food.</p> <h2>3. Go Back-to-School Shopping for Yourself</h2> <p>Don't you think it's just a bit unfair that you spend all that money on back-to-school clothing and accessories for the kids &mdash; because they haaaaave to have it! &mdash; and you walk away with nothing? Nope, not on my watch. Head to your favorite store and pick up something new. If you need justification for your purchase &mdash; besides the fact that you've kept the little beggars alive and well for this long &mdash; think of it as something you need for an upcoming PTA meeting, parents' night, or (most likely) a cocktail party.</p> <h2>4. Finish an Open Project</h2> <p>Everybody has something around the house that they meant to finish, but got sidetracked and forgot about. Get after it!</p> <h2>5. Meet Your Friends for Coffee (Or an Adult Bev!)</h2> <p>I mean, sure, if coffee's your thing, that's what you should order. But if you're trying to celebrate your nine-to-three freedom properly, you better make it Irish. And so you're not sipping alone, invite along a few friends.</p> <h2>6. Go to the Cinema and Catch a Movie</h2> <p>You've undoubtedly been to the movies this summer, but it was probably to see a flick about little talking Twinkies, superheroes, or dinosaurs. If there's a more &mdash; ahem &mdash; grown-up movie you've been meaning to watch, today's your day.</p> <h2>7. Crack Open That Book You've Been Meaning to Read (Finally!)</h2> <p>You brought that book everywhere you went this summer with every intention of reading it and then starting its sequel. But you never go to it because somebody was always screaming your name for mostly unimportant things that they could do themselves. Sound familiar? Now's your chance to get lost in literature &mdash; at least until mid-afternoon.</p> <h2>8. Relax on the Couch and Catch Up on Your DVR</h2> <p>Heck, even without kids, watching a ton of TV isn't something many of us do in the summer. So I know all you parents out there haven't had time to catch up on your DVR since about the third week of June. Find out what's up with your favorite characters and make some room for the new fall schedule.</p> <h2>9. Bake &mdash; Then Indulge</h2> <p>I like to bake because the end result is so delicious. If I'm baking for one to soothe my sweet tooth, I usually pick up prepared cookie dough, pop it in the oven, and stuff my face with the whole lot of the ooey-gooey confections. Along with a tall glass of ice-cold milk. And absolutely no shame. NO SHAME!</p> <h2>10. Get Intimate if You're Both Home</h2> <p>You don't need instructions for this. It's how you got into this situation in the first place. But it's still nice to have some alone time without somebody barging in.</p> <h2>11. Nap!</h2> <p>...Naaaaaaaaap!</p> <h2>12. Work Around the Yard</h2> <p>For some people, gardening is a great way to relax and think and let their mind wander. If you keep a garden, harvest some of the produce, or, since fall is just around the corner, tidy up your space a bit so raking and bagging isn't such a daunting task in a few weeks.</p> <h2>13. Go for a Walk</h2> <p>To wherever you want &mdash; around the neighborhood, downtown, to the park. Just get movin'.</p> <h2>14. Participate in a Class at the Gym</h2> <p>I love my gym classes. I never consider them a chore because they're totally fun. If you haven't checked in to any of the classes your gym offers, do it now. You could find yourself a new hobby.</p> <h2>15. Treat Yourself to a Salon or Spa Service</h2> <p>Get your hair or nails done. Schedule a massage. Kick back in the steam room and sauna. Let your cares drift away until you have to snap back to reality.</p> <h2>16. Hang Out at Your Local Library or Coffee Shop</h2> <p>I find both of these places equally relaxing. I usually take a few of my neglected magazines and sink into one of the comfy chairs for a few hours while I unwind.</p> <h2>17. Mediate/Do Nothing at All</h2> <p>I don't really know how to meditate &mdash; I mean, besides sitting with my legs crossed and chanting 'Om' (which doesn't appeal to me). However, as a former college student, I know how to do nothing at all quite well. I consider myself an English major with a concentration in Sitting and Staring at the Sky, as it were. Nonetheless, either of these activities could work for you, and I'll only look at you strangely for one of them.</p> <h2>18. Practice Your Yoga Skills</h2> <p>There are plenty of online yoga resources that you can watch so you don't even have to leave your house. Or you can find a class in your area (perhaps even at your gym for free) if you need a change of scenery. (See also: <a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes?ref=seealso">Where to Find Free or Cheap Yoga Classes</a>)</p> <h2>19. Take the Dog to the Park</h2> <p>You know who's just as happy that your kids are back in school? The dog. He can finally get back to his eat-sleep-sleep-eat schedule without as many interruptions. But that doesn't mean he wouldn't like a leisurely afternoon with his buddies first. Plan a date to the dog park to exercise your favorite friend while enjoying the pleasant weather and other pooches.</p> <h2>20. Pack a Picnic and Find a Nice Space Outside</h2> <p>There's no rule that picnics can't be by yourself. In fact, some of the best picnics I've attended have only had one guest &mdash; me! Pack up some of your favorites foods, bring a blanket and some reading material, and lay back and watch the world pass you by.</p> <h2>21. Drift Away in a Long, Hot Bath</h2> <p>Candles and a glass of wine are just as appropriate for a long, hot bath at 11 a.m. as they are at 11 p.m. Plus, nobody's around to judge you. Enjoy it while you can.</p> <h2>22. Pump Up the Jams and Dance Around the House</h2> <p>This summer has produced a few hot bangers that I like to shake my thang to. Turn up your Spotify and let loose in your living room. If you've never done this before, step outside your comfort zone. You'll be glad you did.</p> <h2>23. Run Away and Never Look Back</h2> <p>Or just daydream about it. You know they wouldn't last a day without you.</p> <p><em>How will you relax and enjoy your kids' first day back to school? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/23-relaxing-ways-to-enjoy-your-kids-first-day-at-school">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/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/20-ways-to-entertain-your-kids-for-free">20 Ways to Entertain Your Kids for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-have-free-outdoor-fun">50+ Ways to Have Free Outdoor 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/15-free-ways-to-spend-your-summer">15 Free Ways to Spend Your Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-terrible-things-science-says-you-do-to-your-kids">6 Terrible Things Science Says You Do to Your Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle back-to-school downtime kids parenting relaxing rest summer vacation Mon, 24 Aug 2015 11:00:30 +0000 Mikey Rox 1532897 at http://www.wisebread.com 3 Ways Your Dog Is Ruining Your Credit Score http://www.wisebread.com/3-ways-your-dog-is-ruining-your-credit-score <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-your-dog-is-ruining-your-credit-score" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_and_her_dog_000017761090.jpg" alt="Woman realizing how her dog ruins her credit score" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>That puppy looks so cute. But be careful: Pets are also a big financial responsibility that can take a bite out of your credit score. According to data from the ASPCA, you can <a href="http://www.aspca.org/adopt/pet-care-costs">expect to pay</a> $580 every year to own a small dog, $695 annually for a medium dog, and $875 each year for a large dog. And the first year of <a href="http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own">owning a pet</a> comes with additional costs.</p> <p>&quot;It sounds harsh, but if you can't afford to support yourself you have no business getting a pet,&quot; says Bruce McClary, vice president of public relations and external affairs for the Washington, D.C.-based National Foundation for Credit Counseling. &quot;If you don't have room in your budget for caring for a pet, you are not just hurting yourself, you are hurting that pet. If you can't afford medical treatment or to properly care for and feed that pet, getting a pet is not the best decision to make.&quot;</p> <p>Here are three ways your new dog could send your credit score plummeting.</p> <h2>Big Medical Bills</h2> <p>Bringing your dog to the vet is a necessity. But it's not cheap. PetCareRx says that a <a href="http://www.petcarerx.com/article/the-annual-vet-visit-cost-what-to-expect/1276">basic office visit</a> can cost $45 to $55, while other basic services such as booster shots (an average of $18 to $25) and heartworm tests ($45 to $50) can add up.</p> <p>But it's the rarer type of medical treatments that are truly costly. PetCareRx says that it can cost up to $110 for the geriatric screenings that older dogs &mdash; typically seven years and up &mdash; require, while dental cleaning can run up to $400 for dogs.</p> <p>It's when it comes to more complicated procedures such as surgeries or cancer treatments that your dog's medical bills can soar. PetCareRx estimates that it can cost up to $10,000 to <a href="http://www.petcarerx.com/article/managing-costs-of-cancer-treatment-for-dogs/1232">treat your dog's cancer</a> through chemotherapy and the ASPCA estimates that it can cost up to $15,000 to give your dog a <a href="https://www.aspca.org/pet-care/cutting-pet-care-costs">kidney transplant</a>.</p> <p>You can usually work out payment plans for these costs. Missing these payments won't show up on your credit report&hellip; initially. But if your vet sends a collection agency after you, that will be reported. McClary says that a negative judgment on your credit report &mdash; such as a bill being sent to collections &mdash; could cause your credit score to instantly drop by 150 points or more.</p> <h2>Pet Insurance</h2> <p>Because there are more treatment options available for dogs today, many pet owners are opting to purchase pet insurance to help cover the costs of cancer treatments and surgeries. These policies aren't free, with the ASPCA estimating that a <a href="https://www.aspca.org/pet-care/cutting-pet-care-costs">typical pet insurance</a> policy costs from $300 to $400 a year.</p> <p>If you fall behind on these payments, your credit score won't initially take a hit. But if you fall behind enough, the provider of your insurance policy will send your account to a collection agency. Once that negative judgment is listed on your credit report, expect your three-digit credit score to tumble by 150 points or more.</p> <p>&quot;You'd be surprised at how quickly medical and insurance providers are sending accounts to collection today,&quot; McClary said. &quot;If you miss two payments, you might find yourself dealing with a third-party collection agency. And that will show up on your credit report.&quot;</p> <h2>Ouch! Dog Bites</h2> <p>Your beloved poodle doesn't like the mailman, and shows his displeasure by taking a chunk out of his leg. This simple bite can cost you a lot of money.</p> <p>The Insurance Information Institute found that while the number of <a href="http://www.iii.org/issue-update/dog-bite-liability">dog bite claims</a> across the United States fell 4.7% in 2014, the average cost of these claims jumped 15%. The institute found that the average cost dog owners paid out for dog bite claims stood at $32,072 last year, up from $27,862 in 2013.</p> <p>A dog bite can easily take a big chunk out of your household budget. If your finances are already tight, the added burden of paying out &mdash; or defending &mdash; a dog bite claim could cause you to fall behind on other monthly bills such as mortgage payments or credit cards. These late or missed payments will cause your credit score to fall.</p> <p>A pet can be a wonderful addition to your family &mdash; but it can also be a costly one. Make sure your finances are healthy enough to withstand the extra expenses.</p> <p><em>What unexpected costs has your pooch racked up?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/3-ways-your-dog-is-ruining-your-credit-score">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/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-homemade-pet-products-that-are-cheaper-and-better-than-store-bought">7 Homemade Pet Products That Are Cheaper and Better Than Store Bought</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-things-you-dont-know-about-your-credit-report-but-should">13 Things You Don&#039;t Know About Your Credit Report — But Should</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-get-fit-with-your-dog">7 Ways to Get Fit With Your Dog</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-credit-report-mistakes-that-could-be-costing-you-big">4 Credit Report Mistakes That Could Be Costing You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle credit history credit score dogs lawsuits pets vet bills Wed, 12 Aug 2015 13:00:22 +0000 Dan Rafter 1517122 at http://www.wisebread.com 9 Skills That Will Be Obsolete Soon http://www.wisebread.com/9-skills-that-will-be-obsolete-soon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-skills-that-will-be-obsolete-soon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_reading_map_000020985087.jpg" alt="Women using skill that will soon become obsolete" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As technology evolves, certain careers are replaced with new ones. For instance, children used to be employed as pinsetters in bowling alleys; the automated pin-setting machine made that job vanish pretty quickly. Before alarm clocks, &quot;knocker uppers&quot; would walk the streets tapping on windows to get people out of bed. And at night, lamplighters would walk around igniting gas-fueled street lamps.</p> <p>But beyond jobs, certain <em>skills</em> also get replaced as technology moves ever forward. So what are some modern skills that will <a href="http://www.wisebread.com/11-life-skills-that-are-now-completely-obsolete">soon be rendered obsolete</a>? Here are nine that are quickly becoming extinct.</p> <h2>1. A Sense of Direction</h2> <p>Two words &mdash; Google Maps. You may be able to navigate around your city like a cab driver around the streets of London, but who cares? With the maps app on your phone, you can get to anywhere you want. There are no wrong turns, no dead ends, and no traffic delays. Everything is synced up to GPS, and you can be a complete newbie to the town or city you're in, and still get where you're going like you've lived there for 50 years. This is great news for people like me, who continue to get lost on the way to work.</p> <h2>2. Parallel Parking</h2> <p>Some people are really good at it. Most of us are okay. Some are terrible. You may be one of those people that brags about your parallel parking skills, but soon you'll be impressing no one. Many higher-end vehicles already come with park assist, but as technology gets less expensive, it migrates to other cars, and is currently available as an option on the Toyota Prius and the Ford Focus. Yes&hellip; the Ford Focus. Give it a few years, and every car will be a perfect parallel parker. And driving itself, when that gets replaced by driverless cars, could also become a skill of the past.</p> <h2>3. Flirting</h2> <p>Really!? Well, perhaps not entirely. There will always be the need to do the dance, using body language, eye contact, all of that. But these days, online dating apps like Tinder, OK Cupid, Plenty Of Fish, and many more, are taking a lot of the hard work out of meeting people in bars and clubs. After all, why risk the rejection when you have a guaranteed date waiting? And not only that, but a date you know a whole lot about, including likes, dislikes, pets, and anything else you want to look up. There are guidebooks out there telling guys how to pick up women, and they are starting to lose their appeal. Quickly.</p> <h2>4. Cursive Writing</h2> <p>Although it is still being taught in schools, cursive writing is rarely used outside of the classroom. Think about it&hellip; when was the last time you wrote anything in cursive? In fact, when was the last time you wrote anything by hand, other than a quick shopping list or note letting someone know you'd be back in 10 minutes? Technology has eliminated the need for cursive writing; we use a keyboard for almost everything, and not just reports, emails, and other documents. From online diaries and blogs, to notepads on smartphones and tablets, keyboards are making cursive go the way of the dodo.</p> <h2>5. Mental Arithmetic</h2> <p>So, this is not discounting the work of mathematicians and scientists; those skills will always be needed by society. However, for most of us, the ability to do calculations in our heads is quickly becoming a task we'd much rather do on our phones. We have this computer on us almost everywhere we go, so why bother crunching the numbers ourselves when a calculator app can do it in half the time, and with certainty? Lazy it may be, but we always take the path of least resistance.</p> <h2>6. Memorization</h2> <p>As with mental arithmetic, having a great memory (which is a learnable skill, by the way) is also becoming obsolete thanks to smartphones. It is very rare to be with a bunch of friends and have that &quot;Oh&hellip; what was the name of that actor who was in that movie?&quot; kinda question get answered with a chorus of &quot;Hang on, I know this one.&quot; Instead, we pull it up on IMDB. The same goes for anything that requires looking into the archives of our minds, from phone numbers and addresses, to recipes and birthdays. It's all available to us at the touch of a button.</p> <h2>7. Spelling</h2> <p>Pretty soon, the only use for being an excellent speller will be to win a spelling bee. It doesn't matter if you cannot spell even the simplest words, your phones and computers have spell checking built into almost everything you use. It's not just in Microsoft Word, but emails, messaging apps, and even design programs. Just look for the little red wavy line, and voila, click to correct. You may be able to spell floccinaucinihilipilification after seven pints of foaming ale, but it's not going to be a skill you need in everyday life.</p> <h2>8. Physical Networking</h2> <p>Remember the days when you had to attend functions, meeting people in your field in order to increase your circle of business colleagues? Well, these days you can do it all over the Internet. Sites like LinkedIn, Monster, Indeed and many others are making it very easy to reach out and find new jobs, or careers. And if you need to hire a professional, you've got millions of people just a click away. There will always be company functions, but that handshake, smile, and charm won't be needed anymore. You can do it all while you're sitting at your desk, or at home while you're watching the game.</p> <h2>9. Filing Hard Copies</h2> <p>There was a real art to filing information, and if you were good at it, you made your own life (and that of your employer) much easier. These days, it can almost all be done on a computer, using filing software that does all the hard work for you. Yes, you may be required to keep hard files on occasion, but even that is being replaced by digital copies. Pretty soon, filing cabinets will be in a museum right next to buggy whips and PDAs.</p> <p><em>What common skills do you see becoming obsolete soon?</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/9-skills-that-will-be-obsolete-soon">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/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</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-back-to-school-iphone-apps">10 Back-to-School iPhone Apps</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances">These 5 Apps Can Fix Your Finances</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-every-dad-needs">6 Apps Every Dad Needs</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/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Productivity Technology apps Dating maps math networking obsolete skills parallel parking Wed, 12 Aug 2015 11:00:18 +0000 Paul Michael 1515687 at http://www.wisebread.com 15 Tiny Conveniences You Deserve http://www.wisebread.com/15-tiny-conveniences-you-deserve <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-tiny-conveniences-you-deserve" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_sweater_000069294277.jpg" alt="Woman discovering tiny conveniences she deserves" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sometimes the littlest <a href="http://www.wisebread.com/14-convenience-foods-i-refuse-to-do-without">everyday conveniences</a> are the biggest and most life-affirming. These are 15 tiny conveniences you deserve.</p> <h2>1. A Spare Sweater</h2> <p>Spontaneous trip to the movie theater with your friends? Boom, that spare sweater you left in your car last week saves you from shivering throughout the film.</p> <h2>2. The &quot;Undo&quot; Button in Gmail</h2> <p>It only took 25 years, but now we can <a href="https://support.google.com/mail/answer/1284885?hl=en">undo an email</a> we sent too soon, or accidentally sent as &quot;reply all.&quot; Saving face digitally is possible &mdash; and it's wonderful.</p> <h2>3. Sleep-In Sundays</h2> <p>The ability to stay in bed on Sunday, especially after an activity-packed (or club-hopping) Saturday, is the best feeling. What's more convenient than getting to stay in bed?</p> <h2>4. A Well-Timed Breath Mint</h2> <p>You're about to leave for that interview and you're out of gum. The old pack of breath mints at the bottom of your purse, or your fastidious friend who always has gum, saves the day.</p> <h2>5. Easy to Remember Wi-Fi Passwords</h2> <p>Too often, you go to your friend's house or a coffee shop, ask for the Wi-Fi password, and you're directed to a sheet with 80 characters. That one friend or corner cafe with a simple and memorable password always wins.</p> <h2>6. Neighbors Who'll Pet-Sit</h2> <p>Ever have a neighbor who loves your pet and is willing to feed and play with them when you're away? If not, you deserve it, because it is so grand.</p> <h2>7. A Tiny Park</h2> <p>Walking around the neighborhood and pass by a pocket park with a welcoming, sun-dappled bench and a place to curb your dog? Take it up on its offer of a lovely, convenient experience.</p> <h2>8. A Bonus Book</h2> <p>You finally stow your bags and drop into your seat in a cranky flop sweat. Then, you find a new book in the seat pocket in front of you. Now you've got something to read without buying the Wi-Fi!</p> <h2>9. Free ATMs</h2> <p>Going out without cash is an uneasy feeling: <em>what if we end up in a cash-only joint? </em>Stumbling upon your bank's ATM and not getting a fee is a winning moment. There should be a free ATM on every block.</p> <h2>10. Ice in the Freezer</h2> <p>There should be ice in the freezer at all times. What can possibly be worse for Friday night cocktails than mixing up a martini, only to find there's no ice to shake it? You deserve a cold martini.</p> <h2>11. A Shady Parking Spot</h2> <p>You make a sluggish summer afternoon trip to the grocery store, then pull into the lot to find a big tree-shaded spot near the entrance. What a relief! Not melting the ice cream in an overheated car is convenient, indeed.</p> <h2>12. Instant Tissues</h2> <p>Face tissues like Kleenex are so important. Ever been in the car when a sneezing fit strikes? Having some tissues on-hand always is something we all deserve.</p> <h2>13. Working Motion Sensors</h2> <p>Why do so many public bathrooms fail at this? You madly waive your hands in front of the infrared eye and the sink/paper dispenser/flush doesn't work. When a motion sensor does work, though? It's so nice.</p> <h2>14. A Pen When You Need It</h2> <p>That pen at the bottom of your purse probably doesn't work. Trying to type that information into your phone might look rude. That friendly face with a spare pen you can borrow is a saint. We should all be so lucky.</p> <h2>15. Naps</h2> <p>The holy grail of tiny conveniences is that micro-nap you get to take on your lunch break, or the well-earned nap in the middle of a deep spring cleaning, or the luxurious nap on the beach chair during vacation. It's the convenience we should all take for ourselves without fear or guilt.</p> <p><em>What some of your favorite tiny conveniences?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/15-tiny-conveniences-you-deserve">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/21-frugal-ways-to-reward-yourself-right-now">21 Frugal Ways to Reward Yourself Right Now</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-spending-less-made-me-happier">How Spending Less Made Me Happier</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/do-you-want-to-be-happy-then-heres-what-you-need-to-do">Do You &quot;Want&quot; to Be Happy? Then Here&#039;s What You Need to Do.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/review-bluebird-women-and-the-new-psychology-of-happiness">Review: Bluebird -- Women and the New Psychology of Happiness</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/do-you-have-what-you-want-and-do-you-want-what-you-have">Do you have what you want… and do you want what you have?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle conveniences happiness joys self-care splurges Tue, 11 Aug 2015 11:00:32 +0000 Amanda Meadows 1521725 at http://www.wisebread.com Beginner's Guide to Finding Your Interior Design Style http://www.wisebread.com/beginners-guide-to-finding-your-interior-design-style <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/beginners-guide-to-finding-your-interior-design-style" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tec-title.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Throughout the process of renovating my home, I've found that one of the most difficult decisions to make, early on, is what style to make a particular room. You want the design of that room to flow with the rest of the house, of course, but you also want it to have a unique touch and to reflect your personality. I've often found myself trolling the aisles of the home improvement store at a loss as to what paint colors or tile finishes to choose.</p> <p>What if there was a tool that could analyze your personal style and translate it into interior design style? Enter the <a href="http://www.tecskillset.com/color-selector/">TEC Color Selector Tool</a>, a web-based (mobile-friendly) app by grout manufacturer TEC Skill Set and Lowe's.</p> <h2>The Quiz</h2> <p>The TEC Color Selector Tool will ask you image-based questions about your personality and preferences that will help to determine your personal aesthetic. Then, the tool will generate a mood board with inspirational pictures of kitchens and bathrooms, as well as suggestions on tile and grout colors. Think of it as a design personality quiz, if you will, to help you determine what style you want to go for.</p> <p><a href="http://www.tecskillset.com/color-selector/"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/tec1.jpg" width="605" height="393" alt="" /></a></p> <p>It's a fun little quiz that will only take a few minutes, and you can take it several times to generate different mood board styles. I'm currently working on a bathroom renovation, and since we've basically gutted the bathroom and are rebuilding it from the studs out, some starter design ideas are welcome.</p> <p><a href="http://www.tecskillset.com/color-selector/"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/tec2.jpg" width="605" height="413" alt="" /></a></p> <h2>The Results</h2> <p>The first time I took the quiz, I chose a mix of things that appealed to me &ndash; a stone cottage, a contemporary painting, and classical music. I really liked the mood board it generated for me, which included sleek, contemporary finishes but with a warm and classic touch. The TEC Color Selection Tool also selected a variety of grout colors, from light grays and whites to darker grays and taupes.</p> <p><a href="http://www.tecskillset.com/color-selector/"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/tec3.jpg" width="605" height="410" alt="" /></a></p> <p>The second time round, I imagined I was designing a classic, vintage kitchen. The TEC Color Selector Tool suggested travertine and ceramic tile and a variety of light colored grout colors. I also found the &quot;modify results&quot; function helpful. If you're not a fan of the first set of images, you can choose to take another quiz question to generate another set.</p> <p>The TEC Color Selector Tool is especially useful if you take the quiz multiple times, as slightly different answers can generate slightly different styles. For example, you might be looking for a contemporary bathroom, but gravitate towards one that is warm and cheerful versus one that is more sleek and minimalistic. Seeing images of these bathrooms can help you to refine your preferred style.</p> <p><a href="http://www.tecskillset.com/color-selector/"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/tec4.jpg" width="605" height="454" alt="" /></a></p> <h2>You Can Keep and Share Your Mood Board</h2> <p>At the end of the quiz, you have the option of saving your mood board or sharing it to social media. I found it especially helpful to share some of my quiz results to Pinterest, where I could look at them side by side, and pin similar photos to help inspire my style.</p> <p>You can also schedule a free design consultation with a Lowe's designer to talk over your choices. This is a great feature, because you can send your mood board automatically to a Lowe&rsquo;s designer and she can recommend specific tile, countertop finishes, colors, and more.</p> <h2>There Are a Lot More Grout Colors Than You Thought</h2> <p>I had no idea how many colors of grout were available from TEC Skill Set. There are literally over a hundred colors that you can choose from. No matter what your design choices, you will definitely be able to find the perfect color to complement your tile. While you may not be at the right stage to choose your grout until later in the design process, it is certainly useful to know of the wide variety of colors and shades available.</p> <p>At the end of the day, the TEC Color Selector Tool is a great first step to see how your personality and style could influence the design of your home. You may choose to take that first step further and schedule a design consultation at Lowe's, or you may want to use the images it generates as a stepping stone to finding more inspirational designs. Either way, you're one step closer to a home that reflects you.</p> <p><em>This article was made possible by a sponsorship from TEC Skillset. Please support our sponsor by </em><a href="http://www.tecskillset.com/color-selector/"><em>checking out their Color Selector tool</em></a><em>!</em></p> <p><a href="http://www.tecskillset.com/color-selector/"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/tec-banner.jpg" width="353" height="605" alt="" /></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/beginners-guide-to-finding-your-interior-design-style">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/mcmansion-to-mccottage-why-smaller-houses-are-smarter">McMansion to McCottage: Why Smaller Houses Are Smarter</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/20-awesome-uses-for-milk-crates">20 Awesome Uses for Milk Crates</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-save-on-a-long-distance-move">10 Ways to Save on a Long-Distance Move</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-benefits-of-having-a-roommate-besides-saving-on-rent">The Benefits of Having a Roommate (Besides Saving on Rent)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Lifestyle Real Estate and Housing Fri, 07 Aug 2015 20:42:41 +0000 Camilla Cheung 1493443 at http://www.wisebread.com 15 Free Ways to Spend Your Summer http://www.wisebread.com/15-free-ways-to-spend-your-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-free-ways-to-spend-your-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_beach_day_000039107184.jpg" alt="Friends finding free ways to spend the summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As the temperatures rise, many people feel that their spending needs to as well. However, with so many great outdoor options available, there is no reason that you should have to spend any extra money during the season. That's why we've found some of the best ways to <a href="http://www.wisebread.com/31-delicious-ways-to-enjoy-your-summer-veggies">enjoy your summer</a>, without spending a dime.</p> <h2>1. Explore Your Neighborhood</h2> <p>The weather and time of year is perfect to explore your neighborhood so you know exactly what it has to offer. There may even be free walking tours of your city, so check your city's event calendar. Whenever you're exploring the great outdoors, don't forget to slather on the sunscreen to protect your skin and face from sun damage.</p> <h2>2. Look for Free Events</h2> <p>Museums and art galleries tend to offer free tickets on certain days of the summer, so check your community calendar to see if they will be hosting any free events. You may even be able to find a free comedy show or open mic night near you for endless free entertainment.</p> <h2>3. Look for Free Factory Tours</h2> <p>Many restaurants, toy stores, breweries, candy factories, and other factories will offer <a href="http://factorytoursusa.com/">free tours</a>, so find out what's available in your area. This can be a fun, educational experience for the whole family.</p> <h2>4. Get Creative</h2> <p>Maybe you have an inner artist or writer in you? There's no better time than now to explore your creative side. Find paper, pens, colored pencils, and whatever else you may have around the house to draw, paint, sculpt, write, and let your creative juices flow. This may also be the perfect time to explore photography and discover what types of photos you can master. Give yourself a photography challenge every day to improve your skills in no time.</p> <h2>5. Take Advantage of Outdoor Activities</h2> <p>If you live near a park, check their upcoming events calendar to find out which free events will be available to you. There may be free food festivals, film festivals, concerts, plays, and other events at your local park or nearby. You can also visit any of the <a href="http://www.nps.gov/index.htm">400+ national parks</a>, many with free admission days.</p> <h2>6. Go to the Beach</h2> <p>Going to the beach is one of the best free activities. You can enjoy all the beach activities, the sun, and the endless people watching, all without spending anything.</p> <h2>7. Get Sporty</h2> <p>Outdoor activities like camping, hiking, volleyball, fishing, biking, boating, surfing, swimming, gardening, and other outdoor sports are all great ways to spend your summer days and won't cost anything. As an added benefit, you can also lose weight and tone your body, all while having fun outside.</p> <h2>8. Host a Party</h2> <p>If you've never hosted a party, summer is the perfect time to practice before the holidays roll around. Plan an outdoor barbeque, a pool party, or an indoor gathering to beat the heat.</p> <h2>9. Host a Clothing Swap</h2> <p>A clothing swap is a great way to clean out your closet, add items to your wardrobe, and bond with your favorite people. You can trade unwanted clothing with your friends and family, and can even throw in a potluck where everyone can bring one of their favorite recipes.</p> <h2>10. Relax With a Good Book</h2> <p>Just because you don't need to worry about studying and homework over the summer doesn't mean you can't enjoy a good book. Spend some time working on your tan while reading a new bestseller. This is the best way to relax and expand your mind at the same time. Visit your local library to rent books, ebooks, audiobooks, and DVDs. Your library may also offer free events that you can take part in, so make sure to check their upcoming calendar.</p> <h2>11. Improve Your Cooking Skills</h2> <p>If you've wanted to master the art of the perfect burger, then there's no better time to hone in on your cooking skills than now. Learn to make homemade ice cream and you'll have the most visited house on the block all summer.</p> <h2>12. Take up a New Hobby</h2> <p>Experiment with new hobbies or perfect your talents. Take up an instrument, learn a new language, or train your body to complete a marathon.</p> <h2>13. Work on Your Fitness</h2> <p>Now is also a great time to get into shape. If you aren't in beach body shape yet, it's never too late. By working up a sweat, you'll look better, feel better, and help release harmful toxins from the body.</p> <h2>14. Volunteer</h2> <p>Volunteering your time can be very rewarding, help others, and provide a fun experience. You can also meet new people and feel good knowing that you helped contribute to your community. You can even think outside of the box and do things like cleaning up trash at your local park. Not only will it help your community, but it can also provide a great example for your children.</p> <h2>15. Pamper Yourself</h2> <p>What better way to relax on a hot day than by giving yourself an at-home spa day? You can enjoy a mask, manicure, pedicure, and whatever else you find relaxing, without paying someone else to do it for you. You can even ask your spouse to give you a massage to complete your relaxing day. You can also just relax in a hot bath, jacuzzi, or pool. Whatever it takes to leave you feeling refreshed and relaxed, you deserve to be pampered. (See also: <a href="http://www.wisebread.com/10-spa-treatments-you-can-do-at-home?ref=seealso">10 Spa Treatments You Can Do at Home</a>)</p> <p><em>How do you get the most out of your summer? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/15-free-ways-to-spend-your-summer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-old-school-things-that-make-summer-summer">10 Old-School Things That Make Summer SUMMER!</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/frugal-fourth-of-july-party-ideas">Frugal Fourth of July Party Ideas</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-12-best-weekend-activities-for-introverts">The 12 Best Weekend Activities for Introverts</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/23-relaxing-ways-to-enjoy-your-kids-first-day-at-school">23 Relaxing Ways to Enjoy Your Kid&#039;s First Day at School</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-have-free-outdoor-fun">50+ Ways to Have Free Outdoor Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle activities exploring freebies having fun summer Mon, 03 Aug 2015 15:00:15 +0000 Andrea Cannon 1507471 at http://www.wisebread.com 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-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-serums">The 5 Best Serums</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hair-straighteners">The 5 Best Hair Straighteners</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-detangling-combs">The 5 Best Detangling Combs</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-dry-shampoos">The 5 Best Dry Shampoos</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-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/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/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-3 views-row-odd"> <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-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-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/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-2 views-row-even"> <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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> <li class="views-row views-row-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/the-5-best-sunscreens">The 5 Best Sunscreens</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-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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-gifts-you-can-make-today">25 Gifts You Can Make Today</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-healthy-changes-you-can-make-today">25 Healthy Changes 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/alternatives-to-drunk-driving">Alternatives to drunk driving</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-cool-uses-for-your-coffee-maker">11 Cool Uses for Your Coffee Maker</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-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/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/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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-simple-ways-to-trick-yourself-into-burning-more-calories">7 Simple Ways to Trick Yourself Into Burning More Calories</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-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-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/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-3 views-row-odd"> <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-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/a-one-touch-approach-to-managing-household-finances">A One Touch Approach To Managing Household Finances</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-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/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/downsizing-with-kids">Downsizing With Kids</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-important-questions-to-ask-before-adding-to-your-family">5 Important Questions to Ask Before Adding to Your Family</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. 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