Lifestyle http://www.wisebread.com/taxonomy/term/4806/0 en-US Best Money Tips: 70+ Healthy Habits That Make You Feel Good http://www.wisebread.com/best-money-tips-70-healthy-habits-that-make-you-feel-good <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-70-healthy-habits-that-make-you-feel-good" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_morning_happy_499784755.jpg" alt="Woman waking up happy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on healthy habits that make you feel good, ways to improve your life with apple cider vinegar, and how to protect yourself from fake social media accounts.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.lifehack.org/673363/healthy-habits-that-will-improve-your-overall-well-being-and-make-you-feel-good?ref=category_section_post_158865">74 Healthy Habits That Will Improve Your Overall Well-Being and Make You Feel Good</a> &mdash; A healthier lifestyle starts with healthy habits that nourish your body, mind, and relationships. [Lifehack.org]</p> <p><a href="https://www.morewithlesstoday.com/46-ways-apple-cider-vinegar-can-improve-your-life/">46 Ways Apple Cider Vinegar Can Improve Your Life</a> &mdash; Apple cider vinegar is great to have around for the many benefits to your health and home. [More With Less Today]</p> <p><a href="https://www.dumblittleman.com/fake-social-media-accounts/">Protecting Yourself From Fake Social Media Accounts</a> &mdash; Learn how to spot fake social media accounts and what to do if someone pretends to be you on social media. [Dumb Little Man]</p> <p><a href="https://www.popsugar.com/smart-living/Best-Cruise-Lines-41801349">The 9 Best Cruise Lines in the World &mdash; Find Out Which One Is Best For You</a> &mdash; There's a cruise line for every kind of traveler, including vacationers on a budget. [PopSugar Smart Living]</p> <p><a href="https://www.frugalrules.com/ways-to-grow-your-wealth-today/">11 Super Simple Money Moves to Grow Your Wealth Today</a> &mdash; No matter your financial situation, there is always something you can do to improve it. [Frugal Rules]</p> <h2>Other Essential Reading</h2> <p><a href="https://madmoneymonster.com/2018/02/21/frugal-hacks-fabulously-fun-weekend/">Frugal Hacks For A Fabulously Fun Weekend</a> &mdash; Fun doesn't have to cost a lot &mdash; or anything at all! Enjoy yourself to the fullest this weekend with these frugal hacks. [Mad Money Monster]</p> <p><a href="https://zenhabits.net/annoyed/">A Practice For When You Find Yourself Annoyed by Other People</a> &mdash; When someone irritates you, instead of trying to change them (you often can't), you can deal with it my making an internal shift. [zen habits]</p> <p><a href="https://lifedev.net/2018/02/03/office-distractions/">7 Office Distractions that Slow Down Your Productivity (and How to Fight Against Them)</a> &mdash; Most people spend 60 percent or less of available work time actually working. Recognizing the most common office distractions and how to knowing how to deal with them will help you become more productive. [LifeDev]</p> <p><a href="https://www.pickthebrain.com/blog/your-life-your-rules-why-happiness-shouldnt-feel-like-hard-work/">Your Life, Your Rules &ndash; Why Happiness Shouldn&rsquo;t Feel Like Hard Work</a> &mdash; You don't have to work yourself to the ground to be happy and get what you want. [Pick The Brain]</p> <p><a href="https://www.csmonitor.com/Environment/2018/0216/Whose-nature-Colorado-leads-push-to-democratize-the-outdoors">Whose nature? Colorado leads push to democratize the outdoors.</a> &mdash; Public spaces should belong to everyone, but in reality, many low-income and minority children grow up feeling like nature is not a place for them. [The Christian Science Monitor]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-70-healthy-habits-that-make-you-feel-good">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-everyday-routines-of-wealthy-people">5 Everyday Routines of Wealthy People</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-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-forced-frugality-last">Will &quot;forced frugality&quot; last?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-financial-stability-after-divorce">How to Build Financial Stability After Divorce</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips healthy habits Thu, 22 Feb 2018 09:30:09 +0000 Amy Lu 2107892 at http://www.wisebread.com 4 Countries Where You Can Live on $1,000 a Month http://www.wisebread.com/4-countries-where-you-can-live-on-1000-a-month <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-countries-where-you-can-live-on-1000-a-month" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_on_maya_bay_beach.jpg" alt="Woman on Maya Bay beach" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are many reasons why you might be thinking about taking the plunge, uprooting your life, and moving abroad. Perhaps you're looking to find an exotic retirement paradise where you can make the most of no longer having to spend so much of your time going to work. It could be that you're moving for work or education reasons. Or maybe you're just looking for a new and exciting experience in an unfamiliar country. (See also: <a href="http://www.wisebread.com/9-ways-expats-can-maintain-their-credit-scores?ref=seealso" target="_blank">9 Ways Expats Can Maintain Their Credit Scores</a>)</p> <p>Regardless of your reasons, cost will probably be a central factor in where you decide to end up. Your choice of destination could mean the difference between living in luxury and scraping pennies together to make ends meet. If you're on the lookout for somewhere cheap to call home, here are four countries where you can live for $1,000 per month.</p> <p>All costs are based on information gathered from <a href="https://www.numbeo.com/cost-of-living/" target="_blank">Numbeo</a>, the world's largest database of user contributed data about cities and countries worldwide.</p> <h2>Mexico</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/puerto_vallarta_mexico.jpg" width="605" height="340" alt="" /></p> <p>There are many reasons that Mexico is one of the most popular destinations for Americans to move to. It's nearby and convenient to travel to, the weather in much of the country is temperate year-round, and the cuisine is so delicious it's been exported all over the globe. Mexico is also extremely diverse, with its mixture of vast cities, popular beach resorts, and rural villages catering to all tastes. On top of this, it's far cheaper to live in than the U.S. (See also: <a href="http://www.wisebread.com/5-countries-that-welcome-american-retirees?ref=seealso" target="_blank">5 Countries That Welcome American Retirees</a>)</p> <p>Rent prices are a major reason for the difference in the cost of living. They are on average more than 300 percent lower than in the U.S., with the rent for a one-bedroom apartment in the city center typically coming in at around $272. You can expect basic utilities and internet services to cost under $60 per month combined.</p> <p>Food costs are also low, with fresh produce prices from local markets being far lower than in the U.S. You'll even be able to afford to eat out regularly, as a meal at an inexpensive restaurant will total less than $5.</p> <p>Transportation costs are low no matter where you are in the country, with one-way tickets on local transportation averaging 42 cents. Taxi flag fare is about $1.60, plus you'll pay around 77 cents per mile after that. Also, health care is generally half or less than what you'd expect to pay in the United States. (See also: <a href="http://www.wisebread.com/how-almost-anyone-can-afford-to-retire-in-mexico?ref=seealso" target="_blank">How Almost Anyone Can Afford to Retire in Mexico</a>)</p> <h2>Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/landmark_pagoda_in_doi_inthanon_national_park.jpg" width="605" height="340" alt="" /></p> <p>Southeast Asia is a well sought after destination for those on the lookout for something exotic, and Thailand is probably the most favored country in the region. Expats tend to head to either the large cities with great infrastructure like Bangkok and Chiang Mai, or the tropical islands with their white sand beaches and laid-back lifestyle.</p> <p>One of the most attractive things about living in Thailand is just how affordable it is, regardless of where in the country you choose to settle. Rent is significantly cheaper, costing 124 percent less than in the U.S. on average. A one-bedroom apartment in the city center averages around $453 per month. Utilities and internet for your apartment will total around $92 a month.</p> <p>Thai food is some of the most celebrated in the world, and you'll be happy to hear that it's also extremely inexpensive. Street food is a huge part of the culture, so much so that many Thai homes don't have a kitchen. You can eat out for just a couple of dollars per meal, and even midrange restaurants are unlikely to cost you more than $10 per head.</p> <p>Transportation is cheap, too. A one-way journey on local transportation will set you back around 83 cents, and tuk tuks or taxis are also an affordable option, costing $1.09 to get started and around 60 cents per mile thereafter. (See also: <a href="http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china?ref=seealso" target="_blank">How I Saved Enough for a Down Payment While Working in China</a>)</p> <h2>India</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunrise_over_taj_mahal.jpg" width="605" height="340" alt="" /></p> <p>India isn't necessarily the first place that would spring to many people's minds when it comes to expat destinations. However, it's got a booming economy and a large number of English speakers, which helps to break down any potential language barriers. If the subcontinent immediately conjures up images of the chaotic streets of New Delhi, it's worth noting that the country also has stunning mountain scenery, laid-back beach towns, and tranquil hill stations.</p> <p>Rent prices are some of the cheapest in the world, coming in at nearly 475 percent lower than the U.S., with a one-bedroom city center apartment averaging $174. Because prices are so low, it's easy to upgrade to more luxurious lodgings if you choose without breaking the bank. Either way, around $50 will be enough to cover your monthly utilities and internet bills.</p> <p>The food in India is some of the most flavorful in the world, and it's also unbelievably cheap. Inexpensive meals will cost you little more than $2, and a meal at a midrange restaurant will be under $5, so you'll be able to eat out a lot if you choose to.</p> <p>Getting around is affordable, too. A one-way fare on local transportation will cost around 30 cents, and taxi flag fare is 78 cents, with each additional mile costing about 33 cents. (See also: <a href="http://www.wisebread.com/13-financial-steps-to-take-before-retiring-abroad?ref=seealso" target="_blank">13 Financial Steps to Take Before Retiring Abroad</a>)</p> <h2>Colombia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/clock_tower_gate.jpg" width="605" height="340" alt="" /></p> <p>Colombia's reputation has been improving for the past few years, and it's now regularly touted as one of the &quot;it&quot; destinations for travelers to visit. From its super modern cities to it's chilled out Caribbean coast and lush countryside, the country's varied environments make it a wonderful place to live.</p> <p>Colombia's popularity among expats is growing considerably. As the country sheds its tumultuous past, more and more retirees and expats are finding that the country is safe and offers great value for the cost.</p> <p>Rental costs in Colombia, even in the bigger cities, are far lower than in the U.S. It costs around $277 per month for a one-bedroom apartment, a massive 74 percent cheaper than U.S. prices. Utilities and internet services average less than $100 per month, leaving you with plenty to spend on other things such as sampling the delicious cuisine.</p> <p>Fresh food is very affordable throughout Colombia, and eating out is also a popular pastime thanks to the affordability of restaurants. For a few dollars, you can get an inexpensive meal, and for less than $10, you can eat at a midrange restaurant.</p> <p>Transportation in Colombia is quite advanced, particularly in the big cities, which have good metro and bus networks. A one-way journey on local transportation will cost around 70 cents, and you may want to stick to it because taxis are considerably more expensive at about $2.53 per mile on top of a $1.57 flag fare. (See also: <a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month?ref=seealso" target="_blank">5 Countries Where You Can Retire for $1,000 a Month</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/4-countries-where-you-can-live-on-1000-a-month">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/7-countries-where-you-can-travel-on-30-a-day-or-less">7 Countries Where You Can Travel on $30 a Day 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/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-most-affordable-beach-towns-in-mexico">8 Most Affordable Beach Towns in Mexico</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-easy-ways-to-budget-for-summer-vacation">7 Easy Ways to Budget for Summer Vacation</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/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle Travel colombia cost of living india mexico moving abroad moving costs rent cost saving money thailand Thu, 22 Feb 2018 09:30:09 +0000 Nick Wharton 2106615 at http://www.wisebread.com How to Simplify Your Life to Avoid Decision Fatigue http://www.wisebread.com/how-to-simplify-your-life-to-avoid-decision-fatigue <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-simplify-your-life-to-avoid-decision-fatigue" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smiling_woman_with_crossed_hands.jpg" alt="Smiling woman with crossed hands" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'm having some remodeling done at my house, and you'd think the hardest part of that would be the volume of the hammering and drilling. But in fact, the worst part is the volume of the decisions I'm called upon to make &mdash; from the contractor stopping by to ask where I want the plumbing for the future sink, to the designer emailing me about tile choices. It feels like, if I'm interrupted enough times with these small decisions, I have no energy left for work or budgeting or for my family.</p> <p>I'm not alone. Decision fatigue is a very real phenomenon. The theory is that the brain only has so much decision-making juice each day, and once we've used it up, we're less able to make good choices.</p> <p>For me and my project, one way to avoid decision fatigue has been to outsource as many of the choices as possible to a designer. Whenever she presents me with a few choices, if one doesn't stand out immediately, I ask her, &quot;What do you think?&quot; Being a designer with an eye for that kind of thing, she usually has an answer and I feel confident that the new bathroom will look great.</p> <p>There are other ways to simplify your life to fight decision fatigue. Let's look at some tactics.</p> <h2>1. Wear a uniform</h2> <p>Steve Jobs did it with his famous closet full of black mock turtlenecks. To an extent, so did President Barack Obama; he told <a href="https://www.vanityfair.com/news/2012/10/michael-lewis-profile-barack-obama" target="_blank">Vanity Fair</a> that he only wore blue or gray suits, saying, &quot;I don't want to make decisions about what I'm eating or wearing. Because I have too many other decisions to make.&quot;</p> <p>Sure, a uniform works for an iconic leader, but will it work in an ordinary office, where the same people see you day in and day out? Many workers are saying yes; wearing the same thing &mdash; or a variation on the same outfit &mdash; every day is becoming a trend. (See also: <a href="http://www.wisebread.com/5-everyday-routines-of-wealthy-people?ref=seealso" target="_blank">Everyday Habits of Wealthy People</a>)</p> <h2>2. Preplan your menu</h2> <p>How many times have you dropped by a co-worker's desk to ask if they wanted to go to lunch, and ended up wasting 20 minutes discussing <em>where </em>to go? Or stood in front of the refrigerator 30 minutes before dinner trying to figure out what to make?</p> <p>Whether you're a takeout person or a home cook who packs every lunch, planning meals in advance can make the day easier. During a difficult stretch when my three kids were small and my husband had to move to California ahead of the rest of the family, I instituted a rotating schedule that called for Meatless Monday, Taco Tuesday, Whole Wheat Wednesday, Thoughtless Thursday, and Frozen Pizza Friday. Having a rough idea of what I'd be cooking each evening saved my mental energy for the decision-heavy online househunting I did each night after the kids were in bed. (See also: <a href="http://www.wisebread.com/save-money-and-eat-better-with-these-6-online-meal-planners?ref=seealso" target="_blank">Save Money and Eat Better With These 6 Online Meal Planners</a>)</p> <h2>3. Set investments on autopilot</h2> <p>How to invest retirement savings is one of the most irksome decisions many of us face. There are a few ways to avoid having to make constant decisions on this, such as putting your account in the hands of a <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser?ref=internal" target="_blank">professional adviser</a>, using one of the newer <a href="http://www.wisebread.com/should-you-trust-your-money-with-these-4-popular-financial-robo-advisers?ref=internal" target="_blank">robo investing services</a>, or putting your money into <a href="http://www.wisebread.com/what-you-need-to-know-about-the-easiest-way-to-save-for-retirement?ref=internal" target="_blank">target date mutual funds</a>. I met with an hourly financial adviser who recommended the last solution, and it suits me fine, since rebalancing and choosing investments with the appropriate level of risk for my timeline are done for me.</p> <h2>4. Put staples on automatic delivery</h2> <p>I used to be a coupon lady, spending hours each week hunting for the absolute cheapest price for laundry detergent or cereal. Although I still enjoy a deal &mdash; as funds have become less tight but time has gotten scarcer for me &mdash; I have shifted a lot of my regular purchases to Amazon Subscribe and Save. This is an especially powerful brain saver for products that we might regret forgetting, such as flea drops for the pets, and toilet paper.</p> <h2>5. Delegate decisions</h2> <p>Whether at work or at home, it's tempting to reign supreme over your domain. Let it go. Not only will you be more effective and less drained if you bestow some decision making power on assistants, children, and husbands, but you'll be helping them develop their own skills and abilities.</p> <p>The most important thing when delegating, in my experience, is to accept the outcome, even if it isn't what you would have chosen. For instance, if you let your spouse plan the vacation because you're too busy, you don't get to complain that you're visiting too many art museums once you get there.</p> <h2>6. Do less</h2> <p>It may seem counterintuitive in the scope of productivity, but some of the little tasks and decisions that sap our brainpower aren't all that important. Skip joining that task force at work, don't schedule a getaway for every single three-day weekend, and reduce shopping trips. Having fewer tasks and activities naturally leads to having fewer decisions to make.</p> <h2>7. Have a go-to gift</h2> <p>Your kid has two birthday parties coming up this weekend, and you're in the toy store discussing with your child whether they'd rather give their friends a Lego set or a board game. Or, you need a hostess present for a dinner party you're going to, but you have no time to even think about what to bring. While it's lovely to give gifts that show how well you know the recipient, a high quality gift that works for almost everyone, such as a little-known-but-fun game for all your kid's friends, or a gourmet food item from your region for adults, can be a godsend. (See also: <a href="http://www.wisebread.com/10-affordable-kids-gifts-that-wont-rot-their-brains?ref=seealso" target="_blank">10 Affordable Kids' Gifts That Won't Rot Their Brains</a>)</p> <h2>8. Make a schedule</h2> <p>I work from home, and this means I sometimes find myself wandering from task to task, from laundry to bookkeeping to writing to making a grocery list, without finishing anything. I haven't mastered this myself, but organized people who sit down and sketch out their workday and/or personal time say it helps them feel calmer, get more done, and avoid shirking things they're tempted to skip, such as exercising or cleaning out their inbox. (See also: <a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps?ref=seealso" target="_blank">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a>)</p> <h2>9. Take public transit</h2> <p>Have you ever thought of how many little decisions you have to make while driving, especially if traffic is heavy? If you change lanes, will you be able to get around the slow truck a few cars up? Should you take the toll road or the country road? Can you make it to your destination without gassing up? Where will you park?</p> <p>Riding the bus or train might be less comfortable than sitting in your own car, but it can offer a wonderful lack of responsibility as you get on, sit down, and put on your headphones, knowing that the trip is now out of your hands.</p> <h2>10. Cut yourself some slack</h2> <p>Let yourself read a good novel on your lunch break, put off answering those last few emails, or even cave in and get the jelly doughnut you're trying not to think about. Decision fatigue can also be seen as self control fatigue, as we only have so many mental resources to constantly make those good choices. And if you let yourself make a &quot;less good&quot; choice once in awhile when it comes to having fun or indulging yourself, maybe you'll still have enough brainpower left after work to stick to your grocery budget or pay the bills on time.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/how-to-simplify-your-life-to-avoid-decision-fatigue">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money">5 Ways Self Care Can Actually Save You Money</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/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-too-many-decisions-costs-you-money">Here&#039;s How Too Many Decisions Costs You 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/5-reasons-stealth-wealth-is-the-best-wealth">5 Reasons Stealth Wealth Is the Best Wealth</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle daily habits daily routines decision fatigue eliminate choices personal wardrobe saving money Spending Money Thu, 22 Feb 2018 09:00:06 +0000 Carrie Kirby 2105465 at http://www.wisebread.com 8 Sacrifices That Will Supercharge Your Debt Payoff http://www.wisebread.com/8-sacrifices-that-will-supercharge-your-debt-payoff <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-sacrifices-that-will-supercharge-your-debt-payoff" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_black_woman_portrait.jpg" alt="Beautiful black woman portrait" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In order to get and <em>stay</em> out of debt, you have to shake things up. You need to change your thought patterns, financial habits, routines, and in some cases, your circle of friends. It requires intentional effort, diligence, and sacrifice. If you seriously want to get out of debt, here are the sacrifices that will expedite the journey.</p> <h2>1. Live on less</h2> <p>The long-quoted financial rule of thumb is that your housing should be less than 30 percent of your net income. If you're above that threshold, downsizing and moving to a cheaper place is one of the easiest and most drastic ways to lower your expenses. (See also: <a href="http://www.wisebread.com/7-reasons-you-need-to-downsize?Ref=seealso" target="_blank">7 Reasons You Need to Downsize</a>)</p> <p>If your housing costs are already under 30 percent of your gross income, and you're still in debt, you'll need to find other ways to save money as best as you can. Don't just draw the line at a smaller living space. Look for ways to cut costs across the board for your standard day-to-day expenses. Find ways to reduce your grocery bill, utilities, and water bill. The lower the costs of your lifestyle, the easier it is to pay down debt and stash some cash for a rainy day. (See also: <a href="http://www.wisebread.com/34-smart-ways-to-cut-your-electric-bill?ref=seealso" target="_blank">34 Smart Ways to Cut Your Electric Bill</a>)</p> <h2>2. Pay with cash</h2> <p>A 2016 study, <em>&quot;Paper or Plastic?&quot; How We Pay Influences Post-Transaction Connection</em>, showed that items purchased with cash are valued more than items purchased with plastic. According to the report, spending cash feels the most &quot;painful.&quot; Therefore, cash purchases become more meaningful.</p> <p>Paying with cash makes you feel more connected to the experience. Pay for all consumer goods &mdash; including groceries and gas &mdash; with cash. You will spend less and appreciate your purchase more.</p> <h2>3. Get a side gig</h2> <p>One of the biggest sacrifices you often have to make in order to get and stay out of debt is your <em>time</em>. A great way to aggressively tackle your debt is by sacrificing a bit of free time and getting a side gig.</p> <p>You can work part-time for a company, drive for Uber or Lyft, or even deliver pizza. Or you can do your own thing and freelance as a writer, photographer, or caterer. The key here is to find a way to turn your free time into money. (See also: <a href="http://www.wisebread.com/14-best-side-jobs-for-fast-cash?ref=seealso" target="_blank">14 Best Side Jobs For Fast Cash</a>)</p> <h2>4. Get cheaper transportation</h2> <p>Transportation is a sneaky little budget buster. According to the Bureau of Labor Statistics, transportation is the second largest spending category for an American family. The average household spends $9,049 annually &mdash; which is around 17 percent of the total budget.</p> <p>Reducing transportation costs doesn't mean just getting a cheaper vehicle; it means lowering fuel consumption by taking fewer trips, combining errands, and mapping out travel routes. It also means using public transportation, ride-sharing or carpooling, and walking or riding your bike whenever possible.</p> <h2>5. Plan your meals</h2> <p>Convenience comes at a cost. Grabbing meals and snacks on the go is one of the quickest ways to blow your budget and eat up your income &mdash; literally.</p> <p>Planning your meals and keeping snacks on hand can save you hundreds of dollars per month. Meal planning is also a great way to help you stick to your grocery budget. Try creating a menu for a week &mdash; or even a month &mdash; and making your grocery list from the menu you created. This will keep you from impulse buying and help you make fewer trips to the grocery store.</p> <h2>6. DIY</h2> <p>In America, we pay someone else to do everything. We pay to have our clothes cleaned, our dogs walked, and our toenails painted. If you simply cut back on some of the things you are paying someone else to do and invest the time and energy it takes to do it yourself, you could save a whole lot of money.</p> <p>Take a minute and think about all the services you outsource. Which of those could you possibly do yourself? Can you cut your own hair? Do your own Mani-Pedi? Can you cut your own grass and trim your own hedges? Clean your own carpet? How about simple car maintenance &mdash; can you change your own oil or perform other small repairs? Can you alter your own clothing?</p> <p>YouTube is DIY heaven. Find an instructional video on how to do what needs to be done and get to it.</p> <h2>7. Limit screen time</h2> <p>Instructional videos aside, TV and the internet are often counterintuitive to your efforts to get out of debt. It's estimated that the average person is exposed to 10,000 brand messages per day. Let that sink in. You are being bombarded with images and subliminal messages encouraging you to spend money. You've got to occasionally unplug and allow yourself to mentally detox in order to have the focus, drive, and discipline it takes to get out of debt.</p> <p>Limiting time spent watching television, engaging in social media, and surfing the web will help you avoid spending. And if you get rid of redundant, overlapping services, you can save even more money. Consider how much you are spending on cable, internet, and subscription services like Hulu or Netflix. Work to ensure that the time you do spend watching TV or browsing online is productive and supports your efforts to be fiscally responsible.</p> <h2>8. Find frugal friends</h2> <p>&quot;Show me your friends and I'll show you your future,&quot; is a saying that is steeped in truth and wisdom. Who you associate with directly impacts who you'll become. Hanging around people who spend big, waste money, and have to have the finer things in life &mdash; despite the cost &mdash; will keep you broke and chained to debt forever. Your friends influence your life decisions, which is why it is critical you find people that are headed in the same direction as you and share your value system.</p> <p>Befriend people from Facebook groups, websites, podcast communities, and other groups that promote getting out of debt and saving for retirement. Changing your social circle is one of the most critical and beneficial things you can do to get and stay on a path to financial freedom. (See also: <a href="http://www.wisebread.com/10-types-of-friends-who-are-costing-you-money?ref=seealso" target="_blank">10 Types of Friends Who Are Costing You Money</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/denise-hill">Denise Hill</a> of <a href="http://www.wisebread.com/8-sacrifices-that-will-supercharge-your-debt-payoff">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-come-up-with-1000-in-the-next-30-days">How to Come Up With $1,000 in the Next 30 Days</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/youve-been-saving-money-all-wrong-heres-why">You&#039;ve Been Saving Money All Wrong. Here&#039;s Why</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-avoid-vacation-debt">6 Ways to Avoid Vacation Debt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget">The Easy Way to Save Up a Big Travel Budget</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/should-you-budget-like-you-diet">Should You Budget Like You Diet?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Lifestyle cash cutting costs DIY downsizing expenses extra income meal planning sacrifices saving money side gigs transportation Wed, 21 Feb 2018 09:00:06 +0000 Denise Hill 2104968 at http://www.wisebread.com How to Build Financial Stability After Divorce http://www.wisebread.com/how-to-build-financial-stability-after-divorce <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-build-financial-stability-after-divorce" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/paper_family_near_a_broken_heart.jpg" alt="Paper family near a broken heart" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financial instability is a reality for nearly three-quarters of this country's 25 million divorcees. A study by TD Ameritrade surveyed 2,000 participants to examine how they're coping financially after a divorce or death of a spouse. As it turns out, people facing the end of a marriage are struggling &mdash; 75 percent of divorced Americans feel less than secure financially, and half are worried about running out of money in retirement.</p> <p>The average cost of a contested divorce &mdash; which can range from $15,000 to $30,000 &mdash; also throws many divorcees' finances out of whack. And it doesn't end there. Additional costs such as separate household expenses, counseling for children, and taxes or fees to sell marital assets can quickly add to the financial burden. (See also: <a href="http://www.wisebread.com/how-to-protect-yourself-financially-during-a-divorce-or-separation?ref=seealso" target="_blank">How to Protect Yourself Financially During a Divorce or Separation</a>)</p> <p>Healing after a divorce is no small feat, but digging yourself out financially is possible. You just need a strategic plan.</p> <h2>Assess your assets</h2> <p>There is no doubt that your standard of living will change after a divorce. It's important to realistically acknowledge what you can handle financially. It may be necessary to sell a family home and downsize to maintain a workable budget. While challenging, especially if there is an emotional attachment to the home, life after divorce presents a new reality that must be addressed head-on. (See also: <a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-divorced?ref=seealso" target="_blank">5 Money Moves to Make the Moment You Decide to Get Divorced</a>)</p> <h2>Seek professional advice</h2> <p>This is an essential step for anyone facing an unexpected change in their financial situation. Objective, third-party advice can help you avoid making knee-jerk or emotional decisions that have long-term negative consequences. A financial professional who specializes in assisting divorcees can help you deal with typical questions and decisions that people in your situation face.</p> <h2>Adjust your budget</h2> <p>A divorce will likely decrease the overall income you've been accustomed to enjoying. Once you've established a plan for the essential items like housing, it will be time to take a closer look at the luxuries you enjoyed as a married person.</p> <p>This also relates to expenses for your children. Often, parents try to maintain the same standard of living for their kids to minimize the impact of a divorce. Moving to a less expensive house, downgrading a luxury car, or making cutbacks to family travel plans can help you recover financially.</p> <h2>Evaluate career options</h2> <p>Depending on your age and/or situation at the time of the divorce, you may have been out of work or planning on retiring soon. In this case, you may need to adjust your career aspirations. Re-entering the job market, investing in additional education or training, or postponing retirement are all reasonable considerations to ensure long-term financial stability after a divorce.</p> <h2>Automate your savings</h2> <p>There are many things to handle during a divorce, and saving money may feel like a bottom-tier priority. But that couldn't be further from the truth. You need savings now more than ever. The TD Ameritrade study found that almost half of divorced couples are not saving or investing anything. That compares to 32 percent of their married peers. If you have a lot on your plate, it's understandable; but give yourself one less thing to worry about by automating your savings. Having money automatically withdrawn from your paycheck and put into a savings account or emergency fund can give you peace of mind without having to think about it. (See also: <a href="http://www.wisebread.com/5-ways-to-automate-your-finances?ref=seealso" target="_blank">5 Ways to Automate Your Finances</a>)</p> <p>Divorce is tough. It's important to give yourself time to grieve your previous lifestyle and adjust to your new normal. Making these moves can be a smart step to help you springboard into the rest of your life without worrying about money.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/toni-husbands">Toni Husbands</a> of <a href="http://www.wisebread.com/how-to-build-financial-stability-after-divorce">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/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea">3 Reasons Taking a Loan For Your Wedding Is a Bad Idea</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-times-you-need-to-update-your-will">6 Times You Need to Update Your Will</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/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-protect-yourself-financially-during-a-divorce-or-separation">How to Protect Yourself Financially During a Divorce or Separation</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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle assets career divorce expenses financial stability marriage saving money spouse Tue, 20 Feb 2018 09:30:09 +0000 Toni Husbands 2104965 at http://www.wisebread.com 5 Everyday Routines of Wealthy People http://www.wisebread.com/5-everyday-routines-of-wealthy-people <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-everyday-routines-of-wealthy-people" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businesswoman_doing_yoga_in_office.jpg" alt="Businesswoman doing yoga in office" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you end each day binge-watching TV until the wee hours, or you drink a kale smoothie before hitting the hay promptly at 10 p.m., your daily routine will certainly affect your ability to achieve your goals.</p> <p>In fact, many famous and wealthy individuals claim that their daily routines are the driving force behind their success. That's why it's a great idea to learn how trailblazers and top-earners structure their days so you can figure out which of their routines will help set you up for success. (See also: <a href="http://www.wisebread.com/7-money-lessons-we-can-learn-from-beyonc?ref=seealso" target="_blank">7 Money Lessons We Can Learn From Beyoncé</a>)</p> <h2>1. Wake up early</h2> <p>While hitting the snooze button until 20 minutes before you absolutely have to leave for work may feel a little more comfortable than jumping out of bed at 5:30 a.m., this habitual procrastination may be costing you. Not only are you more likely to forget something important in your rush out the door, but you start your day already feeling like you're behind and out of control. It's difficult to start tackling work when you're still rubbing sleep out of your eyes, am I right?</p> <p>This is why nearly 50 percent of wealthy individuals get up at least three hours before their workday starts, according to Tom Corley, author of <a href="http://amzn.to/2HcItzA" target="_blank">Change Your Habits, Change Your Life</a>. Having that extra time in the morning gives you the opportunity to plan your day, exercise, or work on a side project &mdash; all of which will help you get in the right frame of mind to get to work once you get to the office.</p> <h2>2. Exercise</h2> <p>We all know that we should be exercising, but just because we know that breaking a sweat is necessary for good health doesn't mean we do it. However, Corley found that 76 percent of wealthy people make sure they spend 30 minutes or more every day on aerobic exercise.</p> <p>These successful individuals recognize that their physical health is the cornerstone of all of their success. You cannot work toward your goals if you're sick. In addition, according to <a href="https://www.health.harvard.edu/blog/regular-exercise-changes-brain-improve-memory-thinking-skills-201404097110" target="_blank">Harvard Medical School</a>, aerobic exercise such as walking, running, biking, or swimming improves both thinking and memory. This means that making sure daily exercise is part of your routine can help you to work smarter. (See also: <a href="http://www.wisebread.com/7-ways-to-sneak-more-exercise-into-your-busy-schedule?ref=seealso" target="_blank">7 Ways to Sneak More Exercise Into Your Busy Schedule</a>)</p> <h2>3. Eliminate choices</h2> <p>How many times have you stood in front of your bulging closet wondering what to wear to work that day? While it may seem like a luxury to have lots of choices, it can often lead to decision fatigue, which is when you use up your brain's limited bandwidth on several smaller daily decisions, making it that much harder for you to figure out the right choice on bigger decisions.</p> <p>This is why many wealthy individuals have voluntarily chosen to eliminate decisions in their day. For instance, Facebook CEO Mark Zuckerberg admits to owning 20 identical gray T-shirts so that he doesn't have to think about what to wear each morning. Similarly, Apple's Steve Jobs was famous for his uniform of black turtleneck and jeans. Adhering to these personal uniforms allowed these extremely influential men to focus their attention where it belongs &mdash; on the growth of their products.</p> <p>Similarly, many successful people choose to eat the same foods each day so they aren't tempted to stray from a healthy or inexpensive diet. This lack of choice means there is no chance of agonizing over whether or not to have pizza for lunch, since the decision has already been made. (See also: <a href="http://www.wisebread.com/heres-how-too-many-decisions-costs-you-money?ref=seealso" target="_blank">Here's How Too Many Decisions Costs You Money</a>)</p> <h2>4. Meditate</h2> <p>Zoning out while playing Candy Crush may feel like a sort of Zen state while you're in the midst of a game, but it's hardly going to offer you the kind of stress-reducing relaxation that meditation can.</p> <p>For one thing, you'll never fall prey to an in-app purchase in a moment of weakness while meditating. For another, meditation offers everything from improved cognitive functioning, creative thinking, and productivity, to better physical health &mdash; none of which you'll get from a rousing round of smartphone gaming.</p> <p>This is why hugely successful individuals like Oprah Winfrey and Bridgewater Associates founder Ray Dalio make sure to include meditation in their daily routines. The daily mindfulness practice helps these wealthy individuals to keep their minds clear and focused. (See also: <a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master?ref=seealso" target="_blank">6 Ways Meditation Can Make You a Money Master</a>)</p> <h2>5. Read</h2> <p>Reading has a number of excellent brain benefits, and incorporating a routine of reading a book at bedtime is far better for your sleep health than scrolling through Facebook or Instagram on your phone.</p> <p>But before you pick up the latest crime thriller or romance novel, consider what kind of reading is going to do the most to help improve your life. According to Corley, 85 percent of wealthy individuals read at least 30 minutes each day for self-improvement. That means they pick up books that will help them to achieve more or help them overcome bad habits, rather than reading solely for entertainment. (See also: <a href="http://www.wisebread.com/10-books-to-read-for-a-better-money-mindset?ref=seealso" target="_blank">10 Books to Read for a Better Money Mindset</a>)</p> <h2>Create a wealthy life</h2> <p>Having a beneficial daily routine is not a shortcut to riches. Instead, it helps foster the proper circumstances you need in your life to reach your goals and live the life you want.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-everyday-routines-of-wealthy-people">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus">5 Bedtime Routines of Famous Financial Gurus</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-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</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-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Health and Beauty Lifestyle celebrities everyday routines Facebook healthy habits lifestyles of the rich and famous morning routines success wealthy Fri, 16 Feb 2018 09:00:06 +0000 Emily Guy Birken 2104312 at http://www.wisebread.com 3 Reasons Taking a Loan For Your Wedding Is a Bad Idea http://www.wisebread.com/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/marriage_and_finances.jpg" alt="Marriage and finances" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Imagine standing at the altar on your wedding day. Staring deep into your beloved's eyes, suddenly, you are struck by the thought that this one &quot;priceless&quot; moment is costing you over $30,000. And that doesn't include the five-day, four-night honeymoon in Cancun. <em>What have you done?</em></p> <p>According to The Knot, the national average for the cost of a wedding in 2016 was a whopping $35,329. And since most couples don't have that kind of cash upfront, many turn to loans to finance all or some portion of it.</p> <p>Technically speaking, there's no such thing as a &quot;wedding loan.&quot; A wedding loan is just an unsecured personal loan where the interest rate is based on the creditworthiness of one or both potential spouses. But kicking your marriage off with debt is a recipe for unnecessary stress and hardship. It can set you back financially before you even gain any momentum in what should be a new, exciting chapter of life.</p> <p>If you are contemplating using a wedding loan to help you pay for your big day, here are three key things you should consider.</p> <h2>1. You squander your money's opportunity cost</h2> <p>Every dollar comes with an opportunity cost &mdash; meaning there are infinite ways that one dollar can be spent. Once you spend the dollar, you lose all of the other potential things you could have purchased with it.</p> <p>Taking out a loan for a wedding is financial double jeopardy. Not only do you lose the opportunity cost for each dollar you've spent, but you also limit what you could have strategically used your credit for &mdash; such as purchasing a home or starting a business.</p> <p>There are so many ways to spend money, and shelling out copious amounts of cash to pay for a one-day event is a bad investment. Starting your life together with a huge amount of unnecessary debt adds more stress to a naturally stressful endeavor. Marriage is tough. In lieu of investing in a single day that won't appreciate in value, take that money and invest in your life with your partner.</p> <h2>2. You drastically increase the cost of your wedding</h2> <p>We've already established that having an expensive wedding is a bad investment, but taking out a loan to pay for a wedding is asinine. Let's say you take out a $20,000 personal loan for your wedding at an annual percentage rate (APR) of 10 percent. And because you and your fiancé both have student loans, car payments, several thousand dollars in credit card debt, and are looking to purchase your first home, you opt for a 10-year repayment period.</p> <p>Your minimum monthly payment is going to be $264.30 per month for 10 years. During that time, you will pay over $11,000 in interest. Your $20,000 wedding just skyrocketed to $32,000. Think about that for a second. Ten years of your life and $32,000 spent paying for a five-hour event. That money could have been a down payment for a home.</p> <p>What's more, according to the U.S. Census Bureau, first marriages that end in divorce do so within an average of eight years. That means if happily-ever-after comes to an end before your loan is paid off, you'll be paying for your wedding and your divorce <em>simultaneously</em>. (See also: <a href="http://www.wisebread.com/how-to-save-big-on-everything-for-your-wedding?ref=seealso" target="_blank">How to Save Big on Everything for Your Wedding</a>)</p> <h2>3. Spending big leads to more big spending</h2> <p>Spending big on an extravagant wedding establishes spending expectations. This big spending attitude can quickly seep into all financial decisions and an attitude of entitlement can emerge &mdash; because you deserve &quot;the best,&quot; which is usually defined by people with extravagant tastes. Now the honeymoon has to be lavish with no expense spared. Your home has to be opulent and in the fanciest neighborhood. Your kids have to wear the trendiest clothes, attend the most prestigious private schools, and belong to all of the &quot;it&quot; clubs. The cycle can consume your marriage.</p> <p>If you and your spouse-to-be can find a way to be creative and have a wedding that is meaningful, intimate, and budget-friendly, you will establish a better foundation. You will be setting a tone of living within your means and valuing quality over size and quantity.</p> <p>The essence of marriage is appreciating the little things and making the daily grind adventurous. When you pressure yourself and your spouse to continuously &quot;go big,&quot; you add a mountain of undue stress &mdash; both emotionally and financially &mdash; on your marriage. (See also: <a href="http://www.wisebread.com/people-are-still-spending-too-much-on-their-weddings?ref=seealso" target="_blank">People Are Still Spending Too Much on Their Weddings</a>)</p> <h2>A $40 wedding story</h2> <p>I recently celebrated my 22nd wedding anniversary. As I look back and recall my wedding, a smile slowly creeps across my face. We spent $40 on the ceremony and had our reception at Applebee's. Our best friends were there and we had the time of our lives.</p> <p>Over these past 22 years, I've never looked back and wished we had done things differently. In fact, we have renewed our vows twice since then (we do it every 10 years) and each time it's been a quiet ceremony in our pastor's office. The only people who attend are the pastor and my husband and me. It's intimate, private, and special.</p> <p>I am not saying you should forgo a large wedding. You have found and are marrying the love of your life. That level of commitment should be honored. But before you pull out all the stops and plan the wedding of the century, pause and assess how you are spending that money. Do you really need to spend $2,000 on flowers? If something isn't important to you and your fiance, don't borrow money to pay for it.</p> <p>Marriage is a marathon, not a 100-yard dash. Try shifting your focus from having the perfect wedding day to building your life together. Chose to invest in <em>you</em>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/denise-hill">Denise Hill</a> of <a href="http://www.wisebread.com/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-money-fights-married-couples-have-and-how-to-avoid-them">4 Money Fights Married Couples Have (And How to Avoid Them)</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/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/never-borrow-money-for-these-5-buys">Never Borrow Money for These 5 Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle couples debt divorce interest rates loans marriage Opportunity Cost spouses weddings Wed, 14 Feb 2018 09:01:05 +0000 Denise Hill 2098585 at http://www.wisebread.com 5 Ways to Cash in on Romantic Gifts From Exes http://www.wisebread.com/5-ways-to-cash-in-on-romantic-gifts-from-exes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-cash-in-on-romantic-gifts-from-exes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-114238193.jpg" alt="make money from old gifts from exes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><span style="font-weight: 400;">Your ex is officially out of your life, but you still have the stuff they gave you. Will you continue to wear the jewelry, or that sweater, or use that gadget? If your answer is no, why not make a little cash instead of letting it collect dust? Ease the pain of your breakup by turning all those love tokens he or she gave you into make-it-all-better money. Check out these ways to cash in on romantic gifts you don't want.</span></p> <h2><span style="font-weight: 400;">1. Visit a jeweler for an offer </span></h2> <p><span style="font-weight: 400;">Jewelry is a great gift to receive when your eyes are filled with heart emojis for each other, but when things come crashing down, the ring, watch, or necklace is just a shiny reminder of everything that went wrong. If the jewelry is the real deal, however, you should be able to ease your pain with a boost to your bank account after a visit to a jeweler. </span></p> <p><span style="font-weight: 400;">&quot;Ensuring you get the most money for your item is key, so while you get your piece appraised by jewelers or pawnbrokers, it's worth considering the offers they make you,&quot; says Natasha Rachel Smith, personal finance expert at TopCashback.com. &quot;More often than not, local jewelers will offer the best price because they'll see you as a potential customer. Another great option when negotiating with a jeweler is to exchange your used jewelry for store credit if they don't buy used jewelry, which may or may not be ideal for you.&quot; </span></p> <h2><span style="font-weight: 400;">2. Send it to the scrap heap </span></h2> <p><span style="font-weight: 400;">A quick way to make cash on your precious metal jewelry is to hawk it for its scrap value. This means selling it for the material that will eventually be disassembled and melted down. I did this with a gold ring once. I kept the diamonds and got paid for the gold the store kept. This form of selling your jewelry is easy and convenient. Just find a gold buying store in your area or mail your pieces in (certified mail with insurance is best) for fast cash. The state of the market will determine the value of the material, but you will usually get an immediate offer. (See also: </span><a href="http://www.wisebread.com/how-to-sell-gold-without-getting-ripped-off?ref=seealso" target="_blank"><span style="font-weight: 400;">How to Sell Gold Without Getting Ripped Off</span></a><span style="font-weight: 400;">)</span></p> <h2><span style="font-weight: 400;">3. Tap into the online community </span></h2> <p><span style="font-weight: 400;">There's an abundance of resources online to sell unwanted gifts, from sites like eBay or Amazon, to more focused marketplaces, like&nbsp;</span><a href="https://www.bagborroworsteal.com" target="_blank"><span style="font-weight: 400;">Bag Borrow or Steal</span></a><span style="font-weight: 400;">, which deals in the buying and selling of designer handbags. (See also: </span><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes?ref=seealso" target="_blank"><span style="font-weight: 400;">How I Make $800 on Month on eBay Selling Used Clothes</span></a><span style="font-weight: 400;">)</span></p> <p><span style="font-weight: 400;">&quot;Using auction websites like eBay or online marketplaces such as Craigslist or&nbsp;</span><a href="https://poshmark.com/" target="_blank"><span style="font-weight: 400;">Poshmark</span></a><span style="font-weight: 400;"> to sell your used or new items can be easy and convenient,&quot; Smith says. &quot;Figure out what type of selling fits your lifestyle. For example, eBay and Poshmark allow you to make transactions all online and shipping is relatively easy. Craigslist opens the door for face-to-face interactions with unfamiliar faces.&quot; </span></p> <p><span style="font-weight: 400;">Still, there are many resources you may not have heard of, like&nbsp;</span><a href="https://gemr.com/landing" target="_blank"><span style="font-weight: 400;">Gemr</span></a><span style="font-weight: 400;">, for instance. </span></p> <p><span style="font-weight: 400;">Gemr is a social-commerce platform for collectors to discover, display, discuss, and buy and sell collectibles. So instead of selling in a marketplace like eBay or Amazon where an item is one of thousands, Gemr offers super-niche, curated selling pages. As a result, even the most custom and unique gifted items can now be turned into cash, like baseball autographs. </span></p> <p><span style="font-weight: 400;">Another great resource is&nbsp;</span><a href="https://www.worthy.com" target="_blank"><span style="font-weight: 400;">Worthy.com</span></a><span style="font-weight: 400;"> to sell your diamond ring. Its two-day auction puts a vetted community of professional buyers at your virtual door. </span></p> <h2><span style="font-weight: 400;">4. Post on social media </span></h2> <p><span style="font-weight: 400;">The ability to connect with people you know can help you sell your items fast. Use Facebook's Craigslist-style Marketplace to sell items to users in your immediate area. I also sometimes just post an item to my personal page. On several occasions, I've had people within my own network interested in what I'm selling, which removes a lot of hesitation and anxiety I get when dealing with strangers, many of whom often flake on the deal, forcing me to start from scratch. Annoying! </span></p> <p><span style="font-weight: 400;">I've also had a really great experiences with&nbsp;</span><a href="https://us.letgo.com/en" target="_blank"><span style="font-weight: 400;">Letgo</span></a><span style="font-weight: 400;">, which, similar to Facebook Marketplace, helps connect you with local buyers who will pick the item up from you so you don't have to worry about shipping. </span></p> <h2><span style="font-weight: 400;">5. Sell it to a consignment shop </span></h2> <p><span style="font-weight: 400;">Chances are you have a consignment shop in your area that would be willing to take your items for resale. You'll take only a fraction of the profit, but at least your items will be in a place with built-in foot traffic. </span></p> <p><span style="font-weight: 400;">If you want to try online consignment,&nbsp;</span><a href="http://www.therealreal.com/" target="_blank"><span style="font-weight: 400;">TheRealReal.com</span></a><span style="font-weight: 400;"> is a great place to consign romantic gifts, especially fine jewelry and designer clothes or handbags. It can be even better than your local jewelry or consignment shops, since people from all over the world will be able to see your items and possibly purchase them. Other popular online consignments shops include&nbsp;</span><a href="https://www.thredup.com/" target="_blank"><span style="font-weight: 400;">thredUP</span></a><span style="font-weight: 400;">, dedicated to women's and children's fashion, and&nbsp;</span><a href="http://www.tradesy.com" target="_blank"><span style="font-weight: 400;">Tradesy</span></a><span style="font-weight: 400;">, which specializes in high-end designer fashion and accessories, plus wedding apparel for men and women. (See also: </span><a href="http://www.wisebread.com/what-to-do-with-your-wedding-dress-after-the-big-day?ref=seealso" target="_blank"><span style="font-weight: 400;">What to Do With Your Wedding Dress After the Big Day</span></a><span style="font-weight: 400;">)</span></p> <p><span style="font-weight: 400;">If you were gifted furniture or artwork you don't want, consider&nbsp;</span><a href="https://www.chairish.com/" target="_blank"><span style="font-weight: 400;">Chairish</span></a><span style="font-weight: 400;">, which is the perfect place to unload home décor given from an ex. (Just don't be too hasty; you need a couch.)</span></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-ways-to-cash-in-on-romantic-gifts-from-exes&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520to%2520Cash%2520in%2520on%2520Romantic%2520Gifts%2520From%2520Exes.jpg&amp;description=5%20Ways%20to%20Cash%20in%20on%20Romantic%20Gifts%20From%20Exes"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><span style="font-weight: 400;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Ways%20to%20Cash%20in%20on%20Romantic%20Gifts%20From%20Exes.jpg" alt="5 Ways to Cash in on Romantic Gifts From Exes" width="250" height="374" /></span></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/5-ways-to-cash-in-on-romantic-gifts-from-exes">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/15-ways-to-make-money-on-halloween">15 Ways to Make Money on Halloween</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-make-money-on-thanksgiving">11 Ways to Make Money on Thanksgiving</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-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-lust-is-keeping-you-poor">6 Ways Lust Is Keeping You Poor</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-relationship-mistakes-everyone-makes">8 Relationship Mistakes Everyone Makes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping ex-boyfriend love make money romance sell your stuff side hustle valentines day valentines day gifts Fri, 09 Feb 2018 09:00:06 +0000 Mikey Rox 2101407 at http://www.wisebread.com 19 Free (or Cheap) Ways to Make Winter Hibernation Fun http://www.wisebread.com/19-free-or-cheap-ways-to-make-winter-hibernation-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/19-free-or-cheap-ways-to-make-winter-hibernation-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_sitting_by_the_window.jpg" alt="Family sitting by the window" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Wild winter weather keeping you cooped up inside? Cabin fever got you down? You're not alone. Send your stuck-in-the-house blues packin' with these cheap or free ways to have fun indoors while Mother Nature does her thing.</p> <h2>1. Challenge your partner to a cook-off</h2> <p>My boyfriend and I love cooking at home together, but we also love junk food, which is why our recent chicken wings and cookie cook-off was such a fun success. With our new <a href="http://www.wisebread.com/the-5-best-air-fryers?ref=internal" target="_blank">air fryer</a>, wings are easier than ever to make (seriously, this appliance has changed our lives!), and the cookies were a sweet juxtaposition to all that salt and spice.</p> <h2>2. Rent this year's Academy Award Best Picture nominees</h2> <p>Every year before the Academy Awards, I attend the Best Picture Showcase hosted by AMC theaters, which screens all the nominated films during two full-day Saturday screenings, or one marathon 24-hour screening that shows the nominees back-to-back.</p> <p>But you don't even need to step outside in order to catch some of this year's nominated films. Check to see which films are available to rent on-demand and have your own movie marathon from your couch or bed. And don't forget the candy and popcorn! It's a relaxing way to catch up on award-worthy flicks without having to brave the elements.</p> <h2>3. Host a puppy party</h2> <p>My dog Jaxon loves his life at the beach, especially during the warmer months when we go to the outdoor doggy happy hour to hang out and roll around in the sand. He misses that in the wintertime, which makes right now the perfect time to invite some of his furry friends over for a play date. It's a win-win for both of us; he gets to roughhouse with his pals, and I get to day drink with my buddies.</p> <h2>4. Start bullet journaling</h2> <p>My lovely friend Brooke recently introduced me to bullet journaling, in which you jot down quick bullet point notes or tasks, rather than writing out full sentences, and use different symbols as a way to prioritize goals and tasks that need to be completed at different times. It's a concept that any busy person can get down with to make themselves more productive. (See also: <a href="http://www.wisebread.com/this-simple-journal-may-be-the-fix-for-your-finances?ref=seealso" target="_blank">This Simple Journal May be the Fix for Your Finances</a>)</p> <h2>5. Snuggle up with a podcast</h2> <p>Pour yourself a cup of tea, wrap up in a cozy throw, and climb into your comfiest chair to spend a couple hours listening to an engaging podcast, like the murder-mystery serials that have been so popular over the past few years. There's a podcast for everyone, and on pretty much any subject you can think of, so your options are endless. (See also: <a href="http://www.wisebread.com/12-podcasts-bookworms-will-love?ref=seealso" target="_blank">12 Podcasts Bookworms Will Love</a>)</p> <h2>6. Create a vision board for the future</h2> <p>Fortify your New Year's resolutions with a vision board that helps you &quot;see&quot; your goals on a regular basis while you think about how to achieve them. Use your old magazines and newspapers as source material.</p> <h2>7. Prep your taxes</h2> <p>Tax prep isn't exactly fun, but it has to be done. Motivate yourself with the prospect of that helpful refund. And even if you don't get a refund, it'll give you peace of mind to know what you owe and give you plenty of time to get your finances in order before Tax Day. (See also: <a href="http://www.wisebread.com/12-things-you-should-know-about-the-new-tax-law?ref=seealso" target="_blank">12 Things You Should Know About the New Tax Law</a>)</p> <h2>8. Plan a cheap, adventurous weekend getaway</h2> <p>You don't have to go far to experience something exciting and new. It doesn't have to be expensive, either. Hop online to plan a local getaway filled with low- or no-cost activities like hiking, biking, open-mic nights, bingo, and bar trivia.</p> <h2>9. Put on your cold-weather gear and play in the snow</h2> <p>During a blizzard a couple years ago, I ventured outside in all my snow gear and made my way to the downtown area for brunch and drinks. I ran into friends along the way, helped a few folks get their vehicles out of precarious positions, and got in a pretty good workout from all the treacherous ground I covered. It was honestly one of my best winter memories to date.</p> <h2>10. Try a new soup recipe to warm your soul</h2> <p>What's more satisfying than a hearty homemade bowl of soup on a chilly day? From-scratch soups are kinda my thing lately, but if you're imagining slaving over a pot for hours, think again. The ones I like go from pot to table in about 30 minutes. A quick search on Pinterest will get you started. (See also: <a href="http://www.wisebread.com/20-cheap-and-easy-soup-recipes?ref=seealso" target="_blank">20 Cheap and Easy Soup Recipes</a>)</p> <h2>11. Build a grown-up fort</h2> <p>Tuck the corners of your extra flat sheets from one drawer to another around your room and act like a kid again. Make the covered space cozier with pillows, blankets, your favorite person, snacks, and devices to keep you two entertained.</p> <h2>12. Feed the birds</h2> <p>Gather a few pinecones, slather them with peanut butter, and roll in birdseed before hanging from your porch or trees. Watch all the beautiful birds &mdash; like colorful cardinals and jays &mdash; stop by for lunch.</p> <h2>13. Clean out your closets and sell what you don't want</h2> <p>Organizing closets and drawers is my idea of fun when there's a payoff involved. Gather your unwanted, in-great-condition clothing and send to an online consignment shop like Swap.com. I've made over $300 on the site just by selling the clothing I no longer want. (See also: <a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps?ref=seealso" target="_blank">Turn Old Clothes Into Money With These 4 Tools and Apps</a>)</p> <h2>14. Treat yourself to a DIY spa day</h2> <p>Exfoliate your body, make a DIY facial, and give yourself a mani/pedi before slipping into a warm, bubbly bath with a glass of wine (or two), and your favorite reading material. (See also: <a href="http://www.wisebread.com/9-diy-beauty-masks-made-from-food?ref=seealso" target="_blank">9 DIY Beauty Masks Made From Food</a>)</p> <h2>15. Turn snow into ice cream</h2> <p>You only need three ingredients besides fresh snow to <a href="http://www.delish.com/cooking/recipe-ideas/recipes/a57137/snow-ice-cream-recipe/" target="_blank">make snow ice cream</a>: sweetened condensed milk, sugar, and vanilla extract. It's worth a try at least. (See also: <a href="http://www.wisebread.com/9-ways-to-put-all-that-snow-to-good-use?ref=seealso" target="_blank">9 Ways to Put All That Snow to Good Use</a>)</p> <h2>16. Crank up a few of your neglected appliances</h2> <p>I have several appliances that don't get as much use as they should, like my popcorn and waffle makers, which makes a hibernation day the perfect time for a popcorn and waffle party.</p> <h2>17. Rearrange your furniture</h2> <p>Repositioning your furniture can give your place a whole new look and feel. Switch things up while you have some time on your hands.</p> <h2>18. Use your holiday gift cards to shop online</h2> <p>Shopping is definitely one of my favorite pastimes. And there are lots of great sales this time of year, including post-Christmas and winter clearance, and President's Day (which is one of the best shopping weekends of the year, by the way).</p> <h2>19. Start a scrapbook of your recent adventures</h2> <p>My boyfriend and I just went on an incredible trip to Colorado Springs. So much nature and adventure at every turn (I recommend getting out there if you have the opportunity; you won't regret it), and we have lots of photos of the memories we made, which is the perfect starter material for a scrapbook.</p> <p>Of course, you don't have to go anywhere to start a scrapbook of your own. You probably have photos and mementos of past vacations and special occasions lying around the house right now that you can use to start your own scrapbooking project. Plus, Valentine's Day is coming up, and this would make a thoughtful gift.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F19-free-or-cheap-ways-to-make-winter-hibernation-fun&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F19%2520Free%2520%2528or%2520Cheap%2529%2520Ways%2520to%2520Make%2520Winter%2520Hibernation%2520Fun.jpg&amp;description=19%20Free%20(or%20Cheap)%20Ways%20to%20Make%20Winter%20Hibernation%20Fun"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/19%20Free%20%28or%20Cheap%29%20Ways%20to%20Make%20Winter%20Hibernation%20Fun.jpg" alt="19 Free (or Cheap) Ways to Make Winter Hibernation Fun" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/19-free-or-cheap-ways-to-make-winter-hibernation-fun">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/get-up-and-get-out-how-to-find-cheap-local-events">Get Up and Get Out: How to Find Cheap Local Events</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-hobbies-you-can-start-for-under-10">25 Hobbies You Can Start for Under $10</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend">Flashback Friday: 143 Fun and Frugal Ways to Spend Your Weekend</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-fun-ways-to-spend-a-snow-day-indoors">14 Fun Ways to Spend a Snow Day Indoors</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-everyday-routines-of-wealthy-people">5 Everyday Routines of Wealthy People</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle cheap activities free activities fun things to do winter winter hibernation Wed, 07 Feb 2018 09:31:08 +0000 Mikey Rox 2100154 at http://www.wisebread.com 8 Traits of People Who Live Debt-Free http://www.wisebread.com/8-traits-of-people-who-live-debt-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-traits-of-people-who-live-debt-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/saving_for_a_home_concept_0.jpg" alt="Saving for a home concept" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Why are some families debt-free and others chronically debt-ridden, even when they have nearly the same amount of income and expenses? Are there universal qualities that keep some of us on the financial straight and narrow, while others crash and burn?</p> <p>After years of introspection and observation, I think there are certain traits all debt-free folks have in common. Here are the key characteristics of a successful debt-free lifestyle.</p> <h2>1. Goal-driven</h2> <p>Living debt-free doesn't happen by accident; it takes a combination of crystal-clear goals and sheer force of will. And once one goal is reached, it's time to tackle the next. You'd be surprised by what you can accomplish personally, professionally, and financially when you're free of crippling consumer debt. (See also: <a href="http://www.wisebread.com/5-day-debt-reduction-plan-pay-it-off?ref=seealso" target="_blank">5-Day Debt Reduction Plan: Pay It Off</a>)</p> <h2>2. Nonmaterialistic</h2> <p>It's nearly impossible to be debt-free if accumulating more stuff is your measure of success. There will always be something newer, faster, flatter, or bigger to buy. And worse, you'll happily pay for it with plastic. Those who live without debt steer clear of the more stuff/more money/more debt trap and keep their consumerism in check. (See also: <a href="http://www.wisebread.com/why-were-so-materialistic-even-though-we-know-its-dumb?ref=seealso" target="_blank">Why We're So Materialistic</a>)</p> <h2>3. Controlled</h2> <p>Americans live in a consumer wonderland that's designed to test our willpower at every turn. But in order to embrace debt-free living, control has to override impulse a majority of the time. Those of us who live debt-free understand how marketing manipulates human behavior, and we're able to acknowledge &mdash; but not act on &mdash; wealth-draining whims. (See also: <a href="http://www.wisebread.com/10-classic-impulse-buys-we-need-to-stop-falling-for?ref=seealso" target="_blank">10 Classic Impulse Buys We Need to Stop Falling For</a>)</p> <h2>4. Self-aware</h2> <p>Sophisticated advertising, easy credit, and countless consumer baubles &mdash; it's a dangerous mix. Those who've conquered debt have developed a strong filter and a clear understanding that <em>buying</em> isn't the same as <em>being</em>.</p> <p>Before any purchase, we're able to ask ourselves (and truthfully answer) three crucial questions: &quot;Do I really want it or need it?&quot; &quot;Will this simplify my life or make it more complicated?&quot; and, &quot;Am I buying this from a position of strength or weakness?&quot;</p> <h2>5. Self-assured</h2> <p>There are numerous ways to broadcast affluence in our society, but very few ways to communicate the sort of freedom that comes from living debt-free. Instead of keeping up with the Joneses, we have to be comfortable in our skin. The race (if you want to call it that) is only with ourselves and only we know when we've won. (See also: <a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor?ref=seealso" target="_blank">6 Ways Envy Is Keeping You Poor</a>)</p> <h2>6. Strategically sacrificial</h2> <p>Not all sacrifices have to hurt. For those who live debt-free, strategic sacrifices feed a greater good. We gladly skip a few meals out, buy used cars instead of new, and try to make our old brick cellphones last as long as possible. Why? So we can enjoy the luxury of living debt-free.</p> <h2>7. Patient</h2> <p>Buying something is immediately gratifying. You get to open it, play with it, buy accessories for it, and show it off. By comparison, the real rewards of budgeting, saving, and paying off debt come much later. The debt-free take a long view of success and have achieved a nearly Zen-like level of patience. (See also: <a href="http://www.wisebread.com/8-ways-being-patient-saves-you-money?ref=seealso" target="_blank">8 Ways Being Patient Saves You Money</a>)</p> <h2>8. Consistent</h2> <p>Becoming &mdash; and staying &mdash; debt-free is a slow march that's marked by unwavering dedication and consistency. Success is all about finding a formula that works and executing it month after month and year after year. The journey may not always be glamorous, but the destination is wonderful. (See also: <a href="http://www.wisebread.com/11-good-money-habits-that-will-keep-you-out-of-debt?ref=seealso" target="_blank">11 Good Money Habits That Will Keep You Out of Debt</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-traits-of-people-who-live-debt-free&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Traits%2520of%2520People%2520Who%2520Live%2520Debt-Free.jpg&amp;description=8%20Traits%20of%20People%20Who%20Live%20Debt-Free"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Traits%20of%20People%20Who%20Live%20Debt-Free.jpg" alt="8 Traits of People Who Live Debt-Free" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/8-traits-of-people-who-live-debt-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-money-lessons-you-can-learn-from-the-joneses">4 Money Lessons You Can Learn From the Joneses</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/why-even-millionaires-arent-happy-about-their-finances">Why Even Millionaires Aren&#039;t Happy About Their Finances</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-money-habits-that-make-you-look-financially-immature">11 Money Habits That Make You Look Financially Immature</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master">6 Ways Meditation Can Make You a Money Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-freedom-and-using-passion-to-budget">Financial Freedom and Using Passion to Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle debt-free financial freedom goals impulse buys materialistic sacrifices self assurance self awareness Mon, 05 Feb 2018 09:00:06 +0000 Kentin Waits 2091493 at http://www.wisebread.com 15 Winter Must-Haves to Keep in Your Car http://www.wisebread.com/15-winter-must-haves-to-keep-in-your-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-winter-must-haves-to-keep-in-your-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_scraping_and_cleans_snow_off_car.jpg" alt="Woman scraping and cleans snow off car" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Having your car break down in the winter sucks, but not as much as breaking down and being stranded without the proper supplies. You never know how long you'll be stuck on the side of the road, and without the right tools and survival supplies, you could be in serious danger. Avoid adding insult to injury (hopefully not literally) with these items that you should have in your car when winter weather is a threat to driving safety.</p> <h2>1. Ice scraper</h2> <p>Take it from someone who used to use debit cards to chip away at ice on my windshield, an <a href="http://amzn.to/2DOovJ8" target="_blank">ice scraper</a> is worth the investment &mdash; if only so you don't have to keep calling your bank to request new cards.</p> <h2>2. Jumper cables</h2> <p>You can't go anywhere if your battery is dead, which means you could be stuck for a long time if you're in a secluded area with no cell service or a dead phone. Keep <a href="http://amzn.to/2Gx5HAa" target="_blank">jumper cables</a> in your car (at all times!) to avoid this precarious predicament.</p> <p>Adds CARiD.com's product training director Richard Reina, &quot;Another, lesser-known item that might be helpful during the winter is a battery blanket. Batteries lose their starting power in the cold and these blankets can help extend the life of your battery and help it start during cold conditions.&quot; (See also: <a href="http://www.wisebread.com/the-5-best-car-battery-warmers?ref=seealso" target="_blank">The 5 Best Car Battery Warmers</a>)</p> <h2>3. Foldable shovel</h2> <p>You can find relatively inexpensive, <a href="http://amzn.to/2DNIAiQ" target="_blank">foldable snow shovels</a> that can slide under seats and in the trunks of even the smallest cars. These are essential if you encounter an unexpected snowstorm that leaves your car buried.</p> <h2>4. Extra vehicle fluids</h2> <p>Having small amounts of vital vehicle fluids, like de-icing and wiper fluids, will help you avoid the very dangerous situation of running out and therefore not being able to see through your windows properly. Add wintry precipitation into the mix and you have a recipe for disaster.</p> <p>&quot;Many brands of de-icing fluid suggest using a 50/50 mix of fluid and water,&quot; adds Reina. &quot;In the winter, particularly if you live somewhere that gets very cold, you may want to switch to using 100 percent fluid in your vehicle.&quot;</p> <h2>5. Snow salt</h2> <p>Keep a small amount of <a href="http://amzn.to/2DQ6oTj" target="_blank">snow salt</a> in the car to help with traction and melting if you encounter a slippery situation. It could mean the difference between working your car free from the snow and ice or not being to get out until someone arrives to help.</p> <h2>6. Flashlight</h2> <p>A lot of people rely on their phones as a flashlight, but you can't put all your eggs in that basket when it comes to car safety, because the phone could die, and you will need to preserve the battery until help arrives. Instead, keep a battery-operated or crank <a href="http://amzn.to/2rV2kjb" target="_blank">flashlight</a> in your car. It's much more reliable and likely brighter.</p> <h2>7. Blankets</h2> <p>If your car's stuck in the cold winter weather, it may take a while for help to arrive. Blankets, particularly made of wool, will help you stay warm if your car is dead and without heat. I also like to carry those hand-warming packets to put in my gloves and shoes; they help me stay toasty out in the cold, and they'll make you more comfortable if you're stranded. (See also: <a href="http://www.wisebread.com/how-to-save-on-12-winter-essentials?ref=seealso" target="_blank">How to Save on 12 Winter Essentials</a>)</p> <h2>8. First-aid kit</h2> <p>I keep a first-aid kit in my car at all times, because you never know when you'll need a bandage or other quick-fix medical supplies. Exposed cuts and scrapes can get infected quickly, so it's better to be safe than sorry. (See also: <a href="http://www.wisebread.com/the-5-best-first-aid-kits?ref=seealso" target="_blank">The 5 Best First Aid Kits</a>)</p> <h2>9. Tow Rope</h2> <p>A <a href="http://amzn.to/2DMgN2q" target="_blank">tow rope</a> can get you out of those annoying snow ditches, but you also can help others when they're in the same situations. Sharing is caring.</p> <h2>10. An extra pair of clothes</h2> <p>If you're out in the snow, even for a short amount of time, you're going to get wet. Your shoes and gloves will be affected the most, and your hands and feet are extremities you want to keep the warmest. Keep an extra pair of clothing, including socks and shoes, in your trunk so you can change and warm up promptly. You don't want to run the risk of frostbite or hypothermia.</p> <h2>11. Water</h2> <p>You can live at least three weeks without food, but you'll be in pretty bad shape just a few days after your last sip of water. The upside to winter weather, of course, is that if there's snow on the ground, you can eat it to stay hydrated. Just stay away from the yellow patches.</p> <h2>12. Matches and lighters</h2> <p>I keep lighters and matches in a plastic bag in my car just in case I need to start a fire, whether for warmth or a smoke signal. The adventurer in me kind of looks forward to the opportunity, but not when it's teeth-chattering degrees outside.</p> <h2>13. Whistle</h2> <p>It may be hard for your cries for help to cut through wind and precipitation on a particularly stormy winter day. A whistle will do a much better job of that, and could lead potential rescuers to your location.</p> <h2>14. Gloves</h2> <p>You can't do anything helpful for yourself in the event your car breaks down if your hands are frozen.</p> <p>Winter-preparedness advocate Paul Grattan, a sergeant with the NYPD's Transit Bureau, suggests carrying appropriate <a href="http://amzn.to/2DLAIhN" target="_blank">winter gloves</a> or mittens.</p> <p>&quot;They'll help you during snow removal, towing, minor repairs, or tire changes, and they can help you recover and conserve body heat when you're stranded or returning to your vehicle from the cold. I don't rely on the pair I wear during the winter alone; I always carry an extra pair in the car.&quot;</p> <h2>15. Nonperishable snacks</h2> <p>Yeah, you can survive for a while without food, but you don't have to if you pack a few nonperishable snacks in your vehicle.</p> <p>&quot;Dried foods, such as jerky and fruit, as well as nuts, nut butters, and snack bars are great because they are energy-dense,&quot; says Emily Patterson, safety and security expert at ASecureLife.com. &quot;They can keep you going if you're stuck in a storm or with a mechanical issue &mdash; or even just on a road trip with a significant distance between stops.&quot;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F15-winter-must-haves-to-keep-in-your-car&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F15%2520Winter%2520Must-Haves%2520to%2520Keep%2520in%2520Your%2520Car.jpg&amp;description=15%20Winter%20Must-Haves%20to%20Keep%20in%20Your%20Car"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/15%20Winter%20Must-Haves%20to%20Keep%20in%20Your%20Car.jpg" alt="15 Winter Must-Haves to Keep in Your Car" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/15-winter-must-haves-to-keep-in-your-car">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/simplify-your-life-with-these-27-monthly-subscription-services">Simplify Your Life With These 27 Monthly Subscription Services</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/gift-giving-etiquette-to-get-you-through-the-holidays">Gift Giving Etiquette to Get You Through the Holidays</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-master-these-10-shopping-skills-before-you-hit-30">How to Master These 10 Shopping Skills Before You Hit 30</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-that-are-cheaper-to-replace-than-to-fix">8 Things That Are Cheaper to Replace Than to Fix</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-cash-in-on-romantic-gifts-from-exes">5 Ways to Cash in on Romantic Gifts From Exes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping car trouble first aid must-haves shopping tips travel must-haves winter winter must-haves Thu, 01 Feb 2018 10:00:06 +0000 Mikey Rox 2097063 at http://www.wisebread.com The 5 Best Packable Daypacks http://www.wisebread.com/the-5-best-packable-daypacks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-packable-daypacks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_travel_daypack_907961986.jpg" alt="Man wearing daypack while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A packable daypack can keep you organized without taking up precious space. This makes it ideal for travel, backpacking, day trips, hiking, and shopping. The options below can provide the extra space you need, whenever and wherever you need it.</p> <h2>What is a packable daypack?</h2> <p>A packable daypack is a small, lightweight bag that can be folded down small, making it the perfect item to throw in your suitcase, car, or bag. When shopping for a daypack, you'll want to find something that can fold down compactly, but expands large enough to fit all your essentials. (See also: <a href="http://www.wisebread.com/the-5-best-hiking-backpacks?ref=seealso" target="_blank">The 5 Best Hiking Backpacks</a>)</p> <h2>Top 5 packable daypacks</h2> <h3>Eagle Creek Packable Daypack</h3> <p><a href="http://amzn.to/2GDajEU" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/eagle%20creek_1.jpg" width="155" height="245" align="right" alt="" /></a>The roomy, lightweight <a href="http://amzn.to/2GDajEU" target="_blank">Eagle Creek Packable Daypack</a> stuffs into its own zippered pocket. It features durable fabric, color-pop accents, breathable mesh shoulder straps, and a side mesh water bottle pocket. It's available in two colors and is frequently recommended online.</p> <p><a href="http://amzn.to/2GDajEU" target="_blank"><em>Currently $31.95 on Amazon</em></a></p> <h3>AmazonBasics Ultralight Packable Daypack</h3> <p><a href="http://amzn.to/2E3EGpf" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/amazon_1.jpg" width="169" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2E3EGpf" target="_blank">AmazonBasics Ultralight Packable Daypack</a> stuffs into its own pocket. The durable, lightweight bag has a sleek design, space-saving compact size, multiple compartments and zippered pockets, two-way zipper, two mesh side pockets, and adjustable breathable straps. It's available in a number of colors and two different sizes.</p> <p><a href="http://amzn.to/2E3EGpf" target="_blank"><em>Currently $15.99 on Amazon</em></a></p> <h3>Osprey Ultralight Stuff Pack</h3> <p><a href="http://amzn.to/2Fz15rM" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/osprey_1.jpg" width="179" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2Fz15rM" target="_blank">Osprey Ultralight Stuff Pack</a> folds down into its own carrying case. The lightweight bag has various pockets, dual zippers, stretch mesh side pockets, and air mesh harness. It's available in various colors and is frequently recommended online.</p> <p><a href="http://amzn.to/2Fz15rM" target="_blank"><em>Currently $34.99 on Amazon</em></a></p> <h3>Herschel Supply Co. Packable Daypack</h3> <p><a href="http://amzn.to/2FAVy47" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/herschel_0.jpg" width="154" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2FAVy47" target="_blank">Herschel Supply Co. Packable Daypack</a> fits into its own internal pocket. The compact, lightweight bag has helpful features like tear-resistant fabric and adjustable webbing straps. It's frequently recommended online and is available in a range of colors and designs.</p> <p><a href="http://amzn.to/2FAVy47" target="_blank"><em>Currently $21.06 on Amazon</em></a></p> <h3>Hikpro Ultra Lightweight Packable Backpack</h3> <p><a href="http://amzn.to/2E3b4bH" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hikpro.jpg" width="153" height="245" align="right" alt="" /></a>The durable <a href="http://amzn.to/2E3b4bH" target="_blank">Hikpro Ultra Lightweight Packable Backpack</a> folds into its own small pocket. It makes the perfect carry-on bag, so it's ideal for traveling, camping, cycling, hiking, and school. It has two side mesh pockets, various pockets and zippered compartments, two-way zippers, and wide breathable mesh shoulder straps. It has water- and tear-resistant nylon material and reinforced points to ensure it lasts for many years. The roomy bag can be easily adjusted and locked firmly. It's available in various colors, has over 2,000 five-star reviews on Amazon, and is backed by a 30-day satisfaction guarantee.</p> <p><a href="http://amzn.to/2E3b4bH" target="_blank"><em>Currently $14.99 on Amazon</em></a></p> <p>And those are our recommendations for the best packable daypacks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-packable-daypacks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Packable%2520Daypacks.jpg&amp;description=The%205%20Best%20Packable%20Daypacks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Packable%20Daypacks.jpg" alt="The 5 Best Packable Daypacks" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-packable-daypacks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-backpack-tents">The 5 Best Backpack Tents</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-travel-backpacks">The 5 Best Travel Backpacks</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-hiking-backpacks">The 5 Best Hiking Backpacks</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-hiking-baby-carriers">The 5 Best Hiking Baby Carriers</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-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping Travel 5 best backpacks daypacks hiking backpacks hiking gear product reviews Thu, 01 Feb 2018 09:00:07 +0000 Andrea Cannon 2097065 at http://www.wisebread.com The 5 Best Backpack Tents http://www.wisebread.com/the-5-best-backpack-tents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-backpack-tents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_hiking_backpacks_598801508.jpg" alt="Friends hiking with backpack tents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you need dependable shelter at a moment's notice, then a backpacking tent can provide what you've been looking for. It offers the safety and reliability you need, with no added weight or frustration.</p> <h2>What are backpacking tents?</h2> <p>Backpacking tents are lightweight tents that can be easily carried in a backpack. They can provide the comfortable sleeping arrangements you need, no matter where your next adventure may take you.</p> <h2>Top 5 backpack tents</h2> <h3>MSR Hubba Hubba NX Lightweight Backpacking Tent</h3> <p><a href="http://amzn.to/2BHPBQA" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/msr.jpg" width="245" height="158" align="right" alt="" /></a>The <a href="http://amzn.to/2BHPBQA" target="_blank">MSR Hubba Hubba NX Lightweight Backpacking Tent</a> is the ideal free-standing three-season tent for two people, but is light enough for one person to carry. It's lightweight, sturdy, spacious, well-ventilated, and easy to setup with color-coded clips and a fast-pitch option. It features a rollback rainfly, two large StayDry doors with built-in rain gutters, and includes an ultracompact compression stuff sack. It's recommended by ConsumerSearch, Popular Mechanics, Switchback Travel, and OutdoorGearLab.</p> <p><a href="http://amzn.to/2BHPBQA" target="_blank"><em>Currently $399.95 on Amazon</em></a></p> <h3>Coleman Sundome Tent</h3> <p><a href="http://amzn.to/2BGHROx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sundome.jpg" width="245" height="120" align="right" alt="" /></a>Amazon's #1 best-seller in backpacking tents, the <a href="http://amzn.to/2BGHROx" target="_blank">Coleman Sundome Tent</a> is available in a six-person, four-person, or two-person variety. It's spacious and sets up quickly and easily. It has good ventilation thanks to two large windows and a ground vent. The WeatherTec system patented welded floors and inverted seams can keep you dry. The dome tent features organization pockets, Insta-Clip pole attachments, snag-free, continuous pole sleeves, and a rainfly awning for rain protection. It's available in two different colors and includes a carry bag. It has more than 2,000 five-star reviews on Amazon and is recommended by The Wirecutter and Popular Mechanics. It's also backed by a one-year limited warranty.</p> <p><a href="http://amzn.to/2BGHROx" target="_blank"><em>Currently $49.00 on Amazon</em></a></p> <h3>Big Agnes Copper Spur UL 2 Tent</h3> <p><a href="http://amzn.to/2GzvyaC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/big%20agnes.jpg" width="245" height="166" align="right" alt="" /></a>The <a href="http://amzn.to/2GzvyaC" target="_blank">Big Agnes Copper Spur UL 2 Tent</a> is the ideal three-season, free-standing, ultralight backpacking tent. It features a single door, interior mesh pocket, and reflective webbing for nighttime visibility. It has quick setup and great ventilation thanks to a mesh body. This is available in various colors and sizes. It's recommended by various publications, such as OutdoorGearLab. You can't go wrong with a Big Agnes tent, so you may also consider the highly rated <a href="http://amzn.to/2GxaK3r" target="_blank">Big Agnes Copper Spur HV UL1 Tent</a>.</p> <p><a href="http://amzn.to/2GzvyaC" target="_blank"><em>Currently $379.00 on Amazon</em></a></p> <h3>ALPS Mountaineering Lynx Tent</h3> <p><a href="http://amzn.to/2Fv0xmI" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/alps1.jpg" width="245" height="153" align="right" alt="" /></a>Amazon's Choice for backpacking tents, the lightweight <a href="http://amzn.to/2Fv0xmI" target="_blank">ALPS Mountaineering Lynx Tent</a> resists UV damage and has good ventilation thanks to mesh walls. It features factory sealed seams, durable zippers and poly taffeta floor, storage pockets, stakes, and guy ropes. The free-standing design is spacious, offers easy assembly, and has weatherproofing to keep you dry. It has more than 600 five-star reviews on Amazon and is recommended by OutdoorGearLab. It's also backed by a limited lifetime warranty.</p> <p><a href="http://amzn.to/2Fv0xmI" target="_blank"><em>Currently $71.99 on Amazon</em></a></p> <h3>Kelty Salida 2 Tent</h3> <p><a href="http://amzn.to/2GxTXNy" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kelty_2.jpg" width="245" height="142" align="right" alt="" /></a>The spacious <a href="http://amzn.to/2GxTXNy" target="_blank">Kelty Salida 2 Tent</a> is the ideal three-season, two-person lightweight free-standing tent. It's easy to set up thanks to a hug clip, compact folding poles, side release buckles, gear loft loops, color-coded clip and fly attachment, and center C clip. It has an easy entry D door, internal storage pockets, noiseless zipper pulls, and fully seam-taped construction. It has weather protection and great ventilation thanks to mesh walls. It includes a roll top cube carry bag and is recommended by publications like OutdoorGearLab.</p> <p><a href="http://amzn.to/2GxTXNy" target="_blank"><em>Currently $130.18 on Amazon</em></a></p> <p>And those are our recommendations for the best backpacking tents. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-backpack-tents&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Backpack%2520Tents.jpg&amp;description=The%205%20Best%20Backpack%20Tents"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Backpack%20Tents.jpg" alt="The 5 Best Backpack Tents" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-backpack-tents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-instant-tents">The 5 Best Instant Tents</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-car-camping-tents">The 5 Best Car Camping Tents</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-packable-daypacks">The 5 Best Packable Daypacks</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-beach-tents">The 5 Best Beach Tents</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-travel-backpacks">The 5 Best Travel Backpacks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping Travel 5 best backpack tents backpacks camping camping gear product reviews tents Wed, 31 Jan 2018 09:00:08 +0000 Andrea Cannon 2096691 at http://www.wisebread.com 4 Money Lessons You Can Learn From the Joneses http://www.wisebread.com/4-money-lessons-you-can-learn-from-the-joneses <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-money-lessons-you-can-learn-from-the-joneses" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/fish_holiday_concept.jpg" alt="Fish holiday concept" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know a family like the Joneses. Maybe they have a gorgeous 3,000 square foot house in a posh neighborhood, while you're stuck renting a 750 square foot two-bedroom apartment. Maybe they roll up to work in a brand-new BMW Z4, while you're still puttering along in your 2001 Honda Civic. Or perhaps they go on amazing trips to Tuscany and Machu Picchu, while you've had to make do with staycations for the past few years.</p> <p>No matter who your personal Joneses are, you may feel green with envy when you see the things they have that you can't afford. It can be enough to make you spend money you don't have just to keep up with them.</p> <p>But before you purchase something you can't afford, take the time to learn what's really happening behind closed doors with the Joneses or other families like them. They may have the material things that you want, but they are also paying some steep prices for them.</p> <p>Read on to learn what money lessons the mythical Joneses can teach you, before you start trying to keep up with them:</p> <h2>1. They pay for their lifestyle with debt</h2> <p>You might be wondering how the Joneses are able to afford all of the great stuff they own. Chances are, they're in debt. According to a 2017 CreditCards.com survey, 74 percent of Americans are in some kind of debt. And according to NerdWallet's <em>2017 American Household Credit Card Debt Study</em>, the average U.S. household that is carrying credit card debt owes a whopping $15,654 to credit card companies. For 41 percent of respondents, the reason given for getting into so much credit card debt is &quot;spending more than I can afford on unnecessary purchases.&quot;</p> <p>So before you are tempted to put a luxury vacation or cute $400 shoes on your credit card, remember that other people who are living it up in Bali in their Jimmy Choos may be coming home to a truly stressful credit card bill that will take years to pay off. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a>)</p> <h2>2. Keeping up with them means buying depreciating assets</h2> <p>If you think about it, nearly all of the material items that you wish you owned are things that lose value over time. Cars, clothes, furniture, electronics, and jewelry all depreciate, which means you are spending money on things that simply do not last.</p> <p>While it is perfectly acceptable to spend your money in ways that make you happy &mdash; even if that includes spending money on depreciating assets &mdash; it's foolhardy to spend a great deal of money on things you only care about because they impress other people. You are chasing the trappings of wealth while actually reducing your own net worth with depreciating assets. (See also: <a href="http://www.wisebread.com/4-purchases-with-financing-options-that-depreciate-fast?ref=seealso" target="_blank">4 Purchases With Financing Options That Depreciate Fast</a>)</p> <h2>3. They're not happier than you</h2> <p>We tend to view folks who have more wealth than us as being happier. After all, if you can buy anything your heart desires, you must be more contented in your life.</p> <p>There are two problems with this assumption. First, the majority of the Joneses aren't actually wealthier than their neighbors, they're just more indebted. This means they are actually more stressed, even though they may not show it to you.</p> <p>Secondly, studies have shown that money doesn't actually buy happiness above a certain level of income (about $75,000 per year) that guarantees some financial stability and comfort. Above that point, wealth can become more of a burden than a boon. For instance, wealthy individuals may worry about who they can trust and which of their friends love them for them, rather than for their stuff. This leads to a vicious cycle of always wanting to have the latest and greatest possessions to impress one's friends &mdash; but never being sure if the friends will be there unless there's a new round of latest and greatest purchases.</p> <h2>4. They have their own Joneses they're trying to keep up with</h2> <p>The world is full of Joneses. You might envy your next door neighbors with the boat, but they're jealous of the family two streets over who have a yacht. And, of course, that family wishes they could afford the 100-foot yacht that their friends own. No matter where you are financially, there will always be someone who has more than you do.</p> <p>The truth of the matter is that comparing your life to anyone else's is a fool's errand, because we all have things we envy in other people. Even if you were able to magically trade places with your own personal Joneses, you would not suddenly feel content, because there would be a new set of Joneses to envy.</p> <h2>Gratitude is the antidote to Jones envy</h2> <p>The best way to deal with an attack of jealousy toward the Joneses is to take the time to think about all of the abundance in your life. When you list everything you feel grateful to have, including your family, your friends, your warm and safe home, and even your favorite hobby, the things you don't have suddenly become much less important.</p> <p>The Joneses may seem to have the ideal life, but taking a minute to think through all of your own blessings can help you remember that yours is pretty great, too. (See also: <a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor?ref=seealso" target="_blank">6 Ways Envy Is Keeping You Poor</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-money-lessons-you-can-learn-from-the-joneses&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Money%2520Lessons%2520You%2520Can%2520Learn%2520From%2520the%2520Joneses.jpg&amp;description=4%20Money%20Lessons%20You%20Can%20Learn%20From%20the%20Joneses"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Money%20Lessons%20You%20Can%20Learn%20From%20the%20Joneses.jpg" alt="4 Money Lessons You Can Learn From the Joneses" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/4-money-lessons-you-can-learn-from-the-joneses">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/why-even-millionaires-arent-happy-about-their-finances">Why Even Millionaires Aren&#039;t Happy About Their Finances</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-money-habits-that-make-you-look-financially-immature">11 Money Habits That Make You Look Financially Immature</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-rise-above-financial-jealousy">How to Rise Above Financial Jealousy</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-reasons-you-are-more-than-your-credit-score">7 Reasons You Are More Than Your Credit Score</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea">3 Reasons Taking a Loan For Your Wedding Is a Bad Idea</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle competition debt deprecation envy happiness jealousy keeping up with the joneses materialistic possessions value Tue, 30 Jan 2018 10:00:06 +0000 Emily Guy Birken 2087011 at http://www.wisebread.com Why Even Millionaires Aren't Happy About Their Finances http://www.wisebread.com/why-even-millionaires-arent-happy-about-their-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-even-millionaires-arent-happy-about-their-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tear_falling_from_face_on_us_dollar_bill.jpg" alt="Tear falling from face on US dollar bill" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How much money would you need in your bank account to make you happy? Would $250,000 do the trick? Maybe a cool $1 million? How about $5 million?</p> <p>Well, a study from the Harvard Business School asked over 4,000 millionaires that question. The magic figure, it seems, is around $8 million; less than that, and life just wasn't giving them everything they needed. However, the vast majority of respondents said that to be truly happy, they'd need far more than that.</p> <p>How can any of us be happy if that massive amount of cash isn't making those people content? Or to put it another way, what can we learn from these loaded malcontents?</p> <h2>Things are not as important as experiences</h2> <p>Whether you die a pauper or a billionaire, it is highly unlikely that you will look back at your life on your deathbed and wish you had bought more stuff.</p> <p>A 2015 UBS Investor Watch polled 2,215 millionaires to learn what their biggest regrets were. It turns out, rich people have the same regrets as the rest of us; namely, not spending more time with family, focusing too much on career, not traveling enough, and not taking more chances.</p> <p>Rich or poor, we can all agree that &quot;stuff&quot; brings only fleeting happiness. Indeed, when most people grab something from a burning house, it's usually a photo album, letters, or other personal keepsakes. Everything else can be replaced, and in many cases will be obsolete in a few years anyway. (See also: <a href="http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated?ref=seealso" target="_blank">5 Reasons Being a Millionaire Is Overrated</a>)</p> <h2>Don't try to keep up with your richer neighbors</h2> <p>Trying to keep up with the Joneses is never going to work out for you, and that is true regardless of where you live and what you earn. And even once you strike it &quot;rich,&quot; the problem doesn't go away.</p> <p>Millennial and Gen X millionaires are facing this age-old struggle more than other generations. In all likelihood, social media and technology are to blame. According to the UBS Investor Watch survey, 48 percent of millennial millionaires feel they must keep up with the Joneses. Coming in right behind them are Gen X millionaires, at 44 percent. By contrast, only 22 percent of baby boomer millionaires feel they have to &quot;keep up.&quot; It's said that we measure our misery by our neighbors, and now those neighbors are on Facebook, Instagram, and Twitter, showing everyone just how fabulous their lives are. You really don't know the back story, though. They could be drowning in debt, in a marriage that's falling apart, or dealing with severe emotional problems.</p> <p>Focus on yourself and your family and friends. Are you good? Great! Don't pay any mind to the trappings of other people's lives. (See also: <a href="http://www.wisebread.com/4-money-lessons-you-can-learn-from-the-joneses?ref=seealso" target="_blank">4 Money Lessons You Can Learn From the Joneses</a>)</p> <h2>Your time on this planet is finite</h2> <p>From the moment you are born, the clock is ticking. No one knows just how long that clock will tick, but one thing is for certain &mdash; one day, it will stop. So many millionaires and billionaires realize this too late. They spend decades amassing great fortunes, spending weekends and evenings doing deals and taking business trips. Before they know it, they're 65 and have 20 years (not the best 20, either) to make up for lost time.</p> <p>Don't find yourself chasing the almighty dollar for so long that you have no time left to enjoy it. Instead, make plans to see and do the things you want to do while you are young and healthy enough to really enjoy them.</p> <p>Have you always dreamed of visiting Australia or Iceland? Find a way to make it happen. Want to backpack around Europe? How can you do it sooner rather than later?</p> <p>When it comes to money and treasures, you can't &quot;take it with you.&quot; But you can live life to the fullest, and look back on years of wonderful memories. Your time will always be way more valuable than money.</p> <h2>Good health is critical to happiness</h2> <p>Money can buy you almost anything. When it comes to health care, it can get you the best doctors, the most advanced treatments, and access to medicines and cures that many people just cannot afford. But when you're sick, you're sick &mdash; and that can have a huge impact on your happiness.</p> <p>Steve Jobs or David Bowie would have gladly traded their great wealth for good health and a long life, but they both died from cancer. Queen Elizabeth I said, &quot;All my possessions for a moment of time&quot; on her deathbed. So, you may not be rich, but you should do everything you can to stay healthy. Exercise, a balanced diet, and plenty of laughter are all invaluable.</p> <h2>Friends and family cannot be bought</h2> <p>Well, some &quot;friends&quot; can, but are they really the kind of friends you'd want anyway? Rich or poor, you need good people around you. True friends and trusted family members are essential to a happy life. And almost every rich person out there has said that they wished they had spent more time with their parents, children, and siblings instead of working day and night to make the millions.</p> <p>Learn from these people. Family and friends are more important than money. Make time for them, and when you've done that &hellip; make even more time. They're worth far more than possessions or fat bank accounts.</p> <h2>Do more of what makes you happy</h2> <p>It's easier said than done. After all, how many of us are stuck in a job we really do not like, but have no other choice because bills need to be paid?</p> <p>Many millionaires spend decades doing things they don't like only because it forged their path to wealth. However, they also regret spending so much time being miserable for the sake of money.</p> <p>So, even if you are in a job that is draining the life out of you, find ways to balance it with the stuff you really love to do. Maybe you can turn your favorite hobby into a side-hustle &mdash; one that could eventually become profitable and become your main source of income. (See also: <a href="http://www.wisebread.com/6-signs-its-time-to-make-your-side-gig-your-career?ref=seealso" target="_blank">6 Signs It's Time to Make Your Side Gig Your Career</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhy-even-millionaires-arent-happy-about-their-finances&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhy%2520Even%2520Millionaires%2520Aren%2527t%2520Happy%2520About%2520Their%2520Finances.jpg&amp;description=Why%20Even%20Millionaires%20Aren't%20Happy%20About%20Their%20Finances"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Why%20Even%20Millionaires%20Aren%27t%20Happy%20About%20Their%20Finances.jpg" alt="Why Even Millionaires Aren't Happy About Their Finances" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/why-even-millionaires-arent-happy-about-their-finances">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/4-money-lessons-you-can-learn-from-the-joneses">4 Money Lessons You Can Learn From the Joneses</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-signs-youre-financially-average-and-how-to-improve">5 Signs You&#039;re Financially Average — And How to Improve</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/8-traits-of-people-who-live-debt-free">8 Traits of People Who Live Debt-Free</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle family friends happiness keeping up with the joneses materialistic millionaires possessions regrets Mon, 29 Jan 2018 09:00:06 +0000 Paul Michael 2091491 at http://www.wisebread.com