Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 6 Ways Living Alone Affects Your Health http://www.wisebread.com/6-ways-living-alone-affects-your-health <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-living-alone-affects-your-health" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_starting_a_day_with_coffee.jpg" alt="Happy woman starting a day with coffee" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people love living with others. They like having family or roommates, and a home that's occupied by more than one person. Other people prefer their own space, and maybe that's who you are. You like the solitude. You love the freedom. But living this way can be both beneficial and hazardous to your health.</p> <h2>1. You can be yourself</h2> <p>Anyone who has lived with roommates knows it's tough to be completely yourself. Differing opinions on everything from politics and food, to movies and music, means that compromise is a must. In a marriage or other living arrangement, it's much the same. You both have to make compromises to keep the other person from getting peeved.</p> <p>But when you live alone, all bets are off. Want to decorate the living room to look like the set of <em>Star Wars</em>? Go ahead. Want wooden floors throughout? Do it. Want to replace the sofa with a bunch of giant bean bags? Your call.</p> <p>This kind of freedom is incredibly beneficial to your mental health. There's no stress about keeping someone else happy. And less stress leads to better overall health. (See also: <a href="http://www.wisebread.com/20-free-or-really-cheap-ways-to-relieve-stress?ref=seealso" target="_blank">20 Free (or Really Cheap) Ways to Relieve Stress</a>)</p> <h2>2. It's easier to create healthy habits</h2> <p>With no one else in sharing your space, there are fewer distractions and excuses keeping you from getting into healthier routines. If you decide to eat healthier, it's hard to stick to that regimen when someone in the house is eating doughnuts and cooking bacon. Or if you have a partner who doesn't want to work out with you, it can be tough to find the time to get away for a sweat session on your own. Living alone gives you the freedom to work out on your own schedule, and stock your fridge with nothing but non-processed and fresh foods. (See also: <a href="http://www.wisebread.com/25-low-cost-foods-packed-with-nutrition?ref=seealso" target="_blank">25 Low-Cost Foods Packed With Nutrition</a>)</p> <h2>3. You sleep better</h2> <p>If you're actually sleeping next to someone in the same bed, your nights will not be as restful as if you were sleeping alone. The other person is going to move around, make noises, and ultimately crowd your space. Even though you may not feel like you're waking up, your body and mind can be constantly getting stimuli that stop you from entering the most important part of the sleep cycle &mdash; deep sleep. This stage (three in a series of four) occurs just before Rapid Eye Movement (REM) sleep, with your brain and body activity dropping to the lowest point, and blood being redirected from the brain to the muscles. If you don't ever make it to this stage due to the constant interruptions, you won't feel as rested when you wake up.</p> <p>Even if you aren't actually sharing a bed with your housemate, you can still be disturbed from your slumber. Loud roommates can rob you of precious sleep, too, which can lead to lower productivity at work, increased stress, and poor eating habits. (See also: <a href="http://www.wisebread.com/how-getting-more-sleep-helps-your-finances?ref=seealso" target="_blank">How Getting More Sleep Helps Your Finances</a>)</p> <h2>4. You can feel isolated to the point of depression</h2> <p>At first, the idea of living alone can be glorious. No rules but your own. No noise from anyone else. No messes to clean that other people left behind. It's all you, baby. But then it can hit you like a hammer; it's all you. No one to talk to about your day. No one to watch TV with. No one to cook for, and enjoy a meal with. And for some, this realization can lead to feelings of loneliness.</p> <p>Studies have linked loneliness to low self-esteem, depression, high blood pressure, and the increased risk of dementia in later years. Humans are naturally social creatures, and we need some interaction to feel balanced. Without it, life can start to look bleak.</p> <h2>5. You have to do everything yourself</h2> <p>Need help bringing in the groceries? You're on your own. Need a hand shoveling the driveway? You're on your own. Need someone to steady that ladder? You're on your own. And on it goes. Living alone means you have to rely on yourself for almost everything. Sure, you can ask a friend or a neighbor now and again, but you certainly can't abuse that privilege. You could also hire a TaskRabbit or pay to have someone else run all your errands and <a href="http://www.wisebread.com/4-ways-outsourcing-chores-can-save-you-time-and-money?ref=internal" target="_blank">outsource your housework</a>, but few have the money to afford that. That can bring physical stresses and challenges that take their toll on your body. From backbreaking work in the garden, to painting, lifting, moving furniture, and cleaning, your health can take a beating when you do everything yourself.</p> <h2>6. You're not as safe</h2> <p>There are numerous ways that living alone can affect your safety. When you're sick, there's no one there to take care of you or check on your well-being. You may not even have the ability to call someone for help, especially if you fall or have a serious medical problem. And when you're alone, you'll also have to defend yourself alone against intruders. For this reason, it's recommended that anyone living alone should take extra steps to secure their safety. Strong deadbolts, <a href="https://amzn.to/2rcJ4Kp" target="_blank">motion-sensing lights</a>, and an alarm system can help provide a little more peace of mind.</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%2F6-ways-living-alone-affects-your-health&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520Living%2520Alone%2520Affects%2520Your%2520Health.jpg&amp;description=6%20Ways%20Living%20Alone%20Affects%20Your%20Health"></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/u5180/6%20Ways%20Living%20Alone%20Affects%20Your%20Health.jpg" alt="6 Ways Living Alone Affects Your Health" 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/6-ways-living-alone-affects-your-health">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-healthy-on-vacation">7 Ways to Avoid Getting Seriously Sick on 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/7-smart-ways-to-invest-in-your-health">7 Smart Ways to Invest in Your Health</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle depression health tips healthy eating living alone living on your own roommates stress Wed, 09 May 2018 08:00:25 +0000 Paul Michael 2138205 at http://www.wisebread.com 5 Money Accomplishments You Should Be Proud Of http://www.wisebread.com/5-money-accomplishments-you-should-be-proud-of <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-accomplishments-you-should-be-proud-of" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_excited_woman_throwing_money.jpg" alt="Happy excited woman throwing money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Feeling overwhelmed by how much progress you need to make on your financial goals? It may be time to focus on how far you have come already rather than how far you have left to go.</p> <p>Here are some major financial accomplishments that you should be proud of. And even if you aren't quite hitting those accomplishments just yet, we've got tips to help get you there.</p> <h2>1. Paying off debt</h2> <p>Don't wait until all of your debt is paid off to celebrate. Even paying off one credit card or loan is a huge accomplishment that can motivate you to keep going. You may be encouraged to pay off the rest of your debt faster, or put more money aside in your savings account.</p> <p>If you feel like your debt repayment plan is not going anywhere, you might need to change up your approach to see real results. First off, commit to never making only minimum monthly payments and stop using your credit cards. If you still aren't seeing progress, consider doing a balance transfer to a promotional <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">0% APR credit card</a> so that you can tackle the debt more intentionally without drowning in high interest rates. Just make sure to pay off the debt before the promotional 0% APR window closes. (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. Making retirement contributions</h2> <p>If a portion of your income is directed to your retirement account before it hits your bank account, give yourself a huge pat on the back. Not only are you successfully building up your 401(k), but you are also decreasing your tax burden for the year. If your company offers a match on contributions, it's even better to contribute enough to at least secure the company match. You don't want to leave any free money on the table.</p> <p>Not making retirement contributions yet or only contributing a small percentage? The least painful way to up your contribution rate is to have your contribution percentage automatically increased by one to two percent every year. If you make $60,000 a year, contributing 3 percent comes out to around $75 per biweekly paycheck. You probably won't miss that money, especially if you aim to get a small raise or promotion each year.</p> <p>Don't fall into the trap of thinking that your efforts are too small. It might not seem like your contributions are growing at first, but after a decade, you will start seeing the power of compounding take effect. (See also: <a href="http://www.wisebread.com/7-easiest-ways-to-catch-up-on-retirement-savings-later-in-life?ref=seealso" target="_blank">7 Easiest Ways to Catch Up on Retirement Savings Later in Life</a>)</p> <h2>3. Getting a raise</h2> <p>Whether you automatically got a pay bump, or you had the gumption to ask for a raise, congratulations; you should be proud! To stay ahead of the game, make sure you don't increase your cost of living along with your bigger paycheck. Instead, live as if you never received the raise at all. If you want to treat yourself, you can put a little bit of money aside each month to reward yourself at the end of the year with something fun &mdash; so long as it doesn't negate your extra earnings.</p> <p>Are you working hard but feel underpaid? There's a good chance you will never receive a raise if you don't ask for one. If your current employer won't increase your salary, start applying for positions that will grant you a higher paycheck. (See also: <a href="http://www.wisebread.com/how-to-negotiate-a-raise-out-of-the-blue?ref=seealso" target="_blank">How to Negotiate a Raise Out of the Blue</a>)</p> <h2>4. Increasing your credit score</h2> <p>Boosting your credit score is a great feat, especially if you've had to bounce back from a low score, bankruptcy, or an account going to collections. It takes time and dedication to increase your credit score and fix negative marks against your report, but once you are in a good credit range, you can change many other areas of your finances. You can refinance to a lower interest rate for an existing mortgage or car loan, or get a better credit card with a higher limit and better rewards. A higher credit score can also lead you to buying the home of your dreams if you've been stuck with only rentals.</p> <p>Still wishing for a better credit score? It doesn't come through sheer hope. Monitoring your credit score health through free resources like <a href="https://www.creditsesame.com/" target="_blank">Credit Sesame</a> can help you identify the areas that are hurting your score the most, such as inconsistent payments or too much debt. One thing to note is that free credit reporting sites often use a different credit scoring metric (the VantageScore) than what lenders use when they approve you for financing. If you want a more accurate look into your credit score, you can order your actual FICO score from <a href="https://shareasale.com/r.cfm?b=1150834&amp;u=255320&amp;m=41089&amp;urllink=&amp;afftrack=" target="_blank">myFICO</a>. Ordering your credit score from one of the three credit bureaus (Experian, Equifax, or TransUnion) will run you about $19. (See also: <a href="http://www.wisebread.com/is-it-worth-paying-for-your-credit-score?ref=seealso" target="_blank">Is It Worth Paying for Your Credit Score?</a>)</p> <h2>5. Living frugally</h2> <p>Here's a financial accomplishment that anyone can be proud of, no matter the size of their paycheck. Living frugally can cover a wide range of areas, from ditching meat twice a week for beans and rice, to stashing $20 a week in a savings account, to buying a used kitchen table and saving yourself $400. Any time you opt for the less expensive choice or choose to save money rather than spend, be proud of yourself.</p> <p>Being more frugal in your everyday living doesn't have to be complicated. Simply packing your lunch with leftovers or pantry staples instead of purchasing a $7 meal every day of the workweek will save you $35. Similarly, inviting friends over for a game night and snacks can save you $20&ndash;$50 over seeing a movie or hanging out at the bar.</p> <p>The best way to get started with living frugally is to look at your budget and identify where you spend the most money. Then come up with creative ways to decrease these costs and try them out. Take it a step further and devote the money you saved toward debt repayment or a savings account. It will add up. (See also: <a href="http://www.wisebread.com/the-only-6-rules-of-frugal-living-you-need-to-know?ref=seealso" target="_blank">The Only 6 Rules of Frugal Living You Need to Know</a>)</p> <p>Stop giving yourself a hard time about not being exactly where you want to be money wise and realize just how far you have come. Do you have more money saved this year than you did last year? Do you have less debt? Are you making more money? Feel proud of the growth you have made, and work on being even more financially fit next year.</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-money-accomplishments-you-should-be-proud-of&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Money%2520Accomplishments%2520You%2520Should%2520Be%2520Proud%2520Of.jpg&amp;description=5%20Money%20Accomplishments%20You%20Should%20Be%20Proud%20Of"></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/u5180/5%20Money%20Accomplishments%20You%20Should%20Be%20Proud%20Of.jpg" alt="5 Money Accomplishments You Should Be Proud Of" 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/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-money-accomplishments-you-should-be-proud-of">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-18"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-celebrate-a-raise-without-spending-it-all">6 Ways to Celebrate a Raise Without Spending It All</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-smart-moves-to-make-after-getting-a-raise-or-promotion">9 Smart Moves to Make After Getting a Raise or Promotion</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/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> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-money-moves-youre-never-too-old-to-make">9 Money Moves You&#039;re Never too Old to Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-even-if-you-dont-plan-to-buy-a-house">5 Money Moves to Make Even If You Don&#039;t Plan to Buy a House</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle accomplishments company match credit score debt repayment frugal living money moves promotion raise retirement Mon, 07 May 2018 08:00:18 +0000 Ashley Eneriz 2136123 at http://www.wisebread.com 9 Ways Work-At-Home Seniors Can Master Work-Life Balance http://www.wisebread.com/9-ways-work-at-home-seniors-can-master-work-life-balance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-work-at-home-seniors-can-master-work-life-balance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature_woman_working_on_computer_0.jpg" alt="Mature woman working on computer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're retired, but maybe you still want to keep a hand in your old business. Or maybe you love consulting, or you want some extra cash, or you don't like having too much idle time on your hands. No matter the reason, working from home can be a great way for retirees to earn an income without being subject to the daily commute and grind of a traditional 9-to-5.</p> <p>Remote work can be highly rewarding and even fun. Here are some ways to keep your work-life balance while working from home in retirement.</p> <h2>1. Look for a flexible schedule</h2> <p>One of the great benefits of retiring is being able to do what you want, when you want. Don't lose that completely by ending up with a rigid work schedule. Sure, you'll need to be there for your new employers or clients some of the time, but make sure you have the flexibility to take time off for the things that matter most to you.</p> <h2>2. Start small</h2> <p>It may be tempting to jump right into a new job. However, working from home is different from going to work at a company. If you've never done it before, it can be overwhelming at first to be self-directed and spend so much time alone.</p> <p>If you think you want to work from home, start by taking on a project or two, or working a few hours a week. If you like it and can still do all of the other things that you want to do with your retirement, you can look for a more permanent gig.</p> <h2>3. Make time for family</h2> <p>Many retirees make the jump into retirement at least in part so they can spend more time with their families. If this is you, ensure that your new job doesn't interrupt this time. Even if you work from home, it's important to put child care obligations or family days on the calendar early, and make sure your new employer knows you won't be available at those times. You can keep your family first even if you're going back to work. (See also: <a href="http://www.wisebread.com/9-signs-your-work-life-balance-is-off?ref=seealso" target="_blank">9 Signs Your Work-Life Balance Is Off</a>)</p> <h2>4. Unplug yourself</h2> <p>Whether you're old or young, it's easy to get sucked into the internet. You may find yourself surfing Facebook for pictures of your grandchildren, looking up decorating ideas on Pinterest, or getting lost in a sea of YouTube videos.</p> <p>Time spent online is often little more than a distraction. Ultimately, it isn't very satisfying, and it often takes you away from the things you really want or need to be doing. Limit your time online, especially when you're away from work, so you can really engage with the people and the experiences around you. If you're glued to your desk all day, you probably won't be enjoying your retirement to its fullest.</p> <h2>5. Plan vacations ahead of time</h2> <p>Some retirees enter retirement with the intention to travel. You can still do this while working from home. Make sure you get your vacations on the calendar early so your employer knows when you won't be available. This helps ensure that you'll have the free time you need to fully embrace your travel, even if you have to get right back to work when you get home.</p> <h2>6. Exercise</h2> <p>Exercise makes us feel better. It gets the blood flowing and helps boost our mood. Both of these will go far toward helping you feel like your life is in balance. When you make time for exercise, you're making time for yourself. You're also prioritizing your health, as exercise can help you live longer and avoid or minimize many of the physical problems that plague people in retirement. (See also: <a href="http://www.wisebread.com/7-smart-ways-to-invest-in-your-health?ref=seealso" target="_blank">7 Smart Ways to Invest in Your Health</a>)</p> <h2>7. Meditate</h2> <p>Make time to meditate. Clear your head. If you don't like meditation, get a journal and spend a few minutes every day writing down your thoughts. Giving yourself this space helps you remember what's important to you, and that your stated priorities are actually prioritized in your real life. It also gives you the mental clarity to fully engage with work when you're working, and with other people and things when you're outside of work. (See also: <a href="http://www.wisebread.com/6-meditation-alternatives-for-people-with-busy-minds?ref=seealso" target="_blank">6 Meditation Alternatives for People With Busy Minds</a>)</p> <h2>8. Walk every hour</h2> <p>When you're on the clock, make sure you stay moving. Get up every hour and take a short walk, even if it's just down the hall and back. This not only fights the dangers of a sedentary lifestyle, but it also helps you stay focused.</p> <h2>9. Schedule time to give back</h2> <p>If one of your retirement goals was to give back to the community, rest assured that you can still do that while you're working from home. Make volunteering a priority by scheduling it in your calendar, getting the time off or clearing your client list for the day, and helping out however and wherever you like. Giving back will offer a sense of fulfillment, and it will also remind you of the things that are truly important. (See also: <a href="http://www.wisebread.com/9-unexpected-benefits-of-volunteering%20?ref=seealso" target="_blank">9 Unexpected Benefits of Volunteering</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%2F9-ways-work-at-home-seniors-can-master-work-life-balance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%2520Ways%2520Work-At-Home%2520Seniors%2520Can%2520Master%2520Work-Life%2520Balance.jpg&amp;description=9%20Ways%20Work-At-Home%20Seniors%20Can%20Master%20Work-Life%20Balance"></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/u5180/9%20Ways%20Work-At-Home%20Seniors%20Can%20Master%20Work-Life%20Balance.jpg" alt="9 Ways Work-At-Home Seniors Can Master Work-Life Balance" 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/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/9-ways-work-at-home-seniors-can-master-work-life-balance">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-find-your-new-identity-after-retirement">How to Find Your New Identity After Retirement</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-retirement-splurges-that-are-worth-every-penny">7 Retirement Splurges That Are Worth Every Penny</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-live-a-retired-life-before-retirement">How to Live a Retired Life Before Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your 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/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle Retirement down time exercise family meditating telecommuting volunteering work-life balance working from home Fri, 04 May 2018 09:00:08 +0000 Sarah Winfrey 2131865 at http://www.wisebread.com 6 Reasons You're Still Struggling to Pay Bills http://www.wisebread.com/6-reasons-youre-still-struggling-to-pay-bills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-reasons-youre-still-struggling-to-pay-bills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_and_woman_with_financial_problem_1.jpg" alt="Man and woman with financial problem" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've worked hard. You've hit your career goals. Your salary has never been higher. Still, at the end of the every month, you break into a cold sweat worrying if there's enough money to go around. Why, at this point in your life, does bill paying still feel like a painful game of financial Twister? It's time to get to the root of the problem. Here are six reasons you're still struggling to pay bills.</p> <h2>1. You don't have a budget</h2> <p>Budgets are how people anticipate their expenses and allocate their spending. Without this essential framework, your financial life will look a lot like the Wild West &mdash; filled with drama and boom and bust cycles (and probably too many saloon scenes). If you're making late payments or missing payments altogether, it's time to <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps?ref=internal" target="_blank">build your first budget</a>, cowboy.</p> <h2>2. You have too much credit card debt</h2> <p>With astronomical interest charges, late fees, and other penalties, credit card debt leaves millions of families strapped for cash year after year. If you're struggling to pay your bills each month, take a hard look at your credit habits. How much of your income is devoted to servicing debt? Are you barely covering the minimum payments or racking up new charges? If so, grab a shovel. It's time to dig yourself out of high-interest credit card debt. (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>3. You're house poor</h2> <p>If your mortgage consumes more than 25 percent of your income, you may be house poor. For many, that single payment is simply too steep and leaves little money leftover for bills and other budget essentials. Think you may be house poor? Explore refinance options, rent out a spare bedroom, or consider selling and moving into a more affordable home. (See also: <a href="http://www.wisebread.com/how-to-make-ends-meet-when-youre-house-poor?ref=seealso" target="_blank">How to Make Ends Meet When You're House Poor</a>)</p> <h2>4. You can't stop impulse buying</h2> <p>We all fall prey to impulse buys every now and then. But if off-budget spending has become a way of life, you're probably broke by bill-paying day. Examine why impulse buying is so attractive. Is it a way of relieving stress? Is it a reward for working long hours at a job you don't like? How could you rearrange your life and take control of your spending? (See also: <a href="http://www.wisebread.com/9-simple-ways-to-stop-impulse-buying?ref=seealso" target="_blank">9 Simple Ways to Stop Impulse Buying</a>)</p> <h2>5. You're too focused on keeping up with the Joneses</h2> <p>Trying to keep up with the Joneses can exhaust you mentally, emotionally, and financially. If you're constantly struggling to pay your bills, ask yourself: &quot;To what degree is my spending influenced by the spending habits of others? Am I trying to project an image I can't afford?&quot; Since paying your monthly bills doesn't give you much &quot;image bang&quot; for your buck, you may simply be prioritizing status over solvency. (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>6. Someone's draining your income</h2> <p>If you're always behind the eight ball with your bills, maybe the problem isn't some<em>thing</em>, but some<em>one</em>. Is your BFF always &quot;a little strapped for cash?&quot; Are you supporting a chronically unmotivated spouse, sibling, or adult child? Practice a little tough love (and self-care); use <em>your </em>cash to cover your own bills, protect your own credit, and keep your lights on. (See also: <a href="http://www.wisebread.com/4-things-you-should-make-your-adult-child-pay-for?ref=seealso" target="_blank">4 Things You Should Make Your Adult Child Pay For</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%2F6-reasons-youre-still-struggling-to-pay-bills&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Reasons%2520You%2527re%2520Still%2520Struggling%2520to%2520Pay%2520Bills.jpg&amp;description=6%20Reasons%20You're%20Still%20Struggling%20to%20Pay%20Bills"></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/u5180/6%20Reasons%20You%27re%20Still%20Struggling%20to%20Pay%20Bills.jpg" alt="6 Reasons You're Still Struggling to Pay Bills" 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/6-reasons-youre-still-struggling-to-pay-bills">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-signs-you-arent-ready-for-a-credit-card">5 Signs You Aren&#039;t Ready for a Credit Card</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/5-types-of-overspenders-which-one-are-you">5 Types of Overspenders — Which One Are You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-factors-that-could-keep-you-broke-forever">8 Factors That Could Keep You Broke Forever</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle bills budgeting credit card debt house poor impulse buys income keeping up with the joneses making ends meet paycheck to paycheck Thu, 03 May 2018 09:00:11 +0000 Kentin Waits 2131787 at http://www.wisebread.com 7 Retirement Splurges That Are Worth Every Penny http://www.wisebread.com/7-retirement-splurges-that-are-worth-every-penny <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-retirement-splurges-that-are-worth-every-penny" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature_woman_holding_dog_at_home.jpg" alt="Mature woman holding dog at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your golden years are finally here, and while you don't want to blow through your nest egg too quickly, there is still a little room for splurges here and there, especially if they double as self-care. Here are seven splurges in retirement you definitely won't regret.</p> <h2>1. Adopting a pet</h2> <p>Dogs offer many benefits to retirement-aged individuals. Not only do they give you companionship, but they also give you a reason to get up and exercise more. There are also several studies that show dog ownership can reduce the risk of heart attack and lower stress.</p> <p>Not into dogs? That's okay! Adopting a cat can provide just as many benefits and can be less work to take care of. (See also: <a href="http://www.wisebread.com/the-8-best-pets-for-frugal-animal-lovers?ref=seealso" target="_blank">The 8 Best Pets for Frugal Animal Lovers</a>.)</p> <h2>2. Achieving your goals</h2> <p>Whether you sit down and write an official bucket list or have one or two goals you wish to achieve, now is the perfect time to check those boxes. Maybe you want to eat a $100-steak, or spend a week in Europe. Whatever it is, you can make it happen. (See also: <a href="http://www.wisebread.com/6-european-destinations-finally-cheap-enough-to-visit?ref=seealso" target="_blank">6 European Destinations Finally Cheap Enough to Visit</a>)</p> <p>Financially, you might not be able to afford accomplishing&nbsp;<em>everything </em>on your list, and you definitely don't want to go into debt in retirement. However, by using savvy saving techniques, you can find discounts on any restaurant, travel destination, or adventure.</p> <h2>3. Spending time with family</h2> <p>If you don't feel like you see your family members enough, invest in seeing them more regularly. Spend a week with them and offer to watch the grandkids. Or plan times for your family to come visit you. Traveling to visit loved ones can add up quickly, so it's important to find free or cheap activities when you're together, and remember that quality time doesn't have to cost a thing. (See also: <a href="http://www.wisebread.com/47-cheap-fun-things-to-do-this-weekend?ref=seealso" target="_blank">47 Cheap, Fun Things to Do This Weekend</a>)</p> <h2>4. Trying new hobbies</h2> <p>Retirement is a dream come true at first since you finally get to relax. However, it's easy to grow bored of the same routine every day, and you might find yourself missing the fast-paced work day.</p> <p>One way to avoid boredom is to keep yourself busy with new hobbies. What have you always wanted to learn? Find classes or lessons in skills that you want to improve, whether it's a Spanish class, cooking class, or piano class. If you enjoy gardening or sewing, find ways to make it more sociable through local sewing groups. If you consider yourself skilled at one hobby, perhaps photography or auto mechanics, volunteer your time teaching others. When we engage in the activities that we love and then share them with others who enjoy them, we feel more satisfied. (See also: <a href="http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free?ref=seealso" target="_blank">10 Fun Hobbies You Can Take Up for Free</a>)</p> <h2>5. Healthy foods</h2> <p>Now is not the time to settle for eating processed foods. Investing in healthy, organic foods will always be worth the cost. And if you shop smart &mdash; seek out seasonal produce and use grocery coupon apps while shopping &mdash; it doesn't even have to cost you more. You want to postpone the aches and pains and health issues that come naturally with aging as long as possible, and eating healthier is one way to do so. (See also: <a href="http://www.wisebread.com/25-low-cost-foods-packed-with-nutrition?ref=seealso" target="_blank">25 Low-Cost Foods Packed With Nutrition</a>)</p> <h2>6. Personal fitness</h2> <p>Don't wait for back pain to flare up before treating yourself to massages, chiropractic care, acupressure, and reflexology. Sign up for yoga classes or join your local walking group to stay active and fit. You've worked your body hard your whole adult life, and now it's time to give it some TLC. You deserve it now.</p> <h2>7. Home upgrades</h2> <p>Now that you aren't running off to work every day, expect to spend a lot more time at home. What would make your home easier to live in now and in the future? Consider splurging on a remodel to make your house more appealing to you, as well as to benefit you in the future. Even small home upgrades can add a lot to your current comfort and your listing later, should you decide to sell your house. (See also: <a href="http://www.wisebread.com/9-easy-home-improvements-that-add-thousands-to-your-listing?ref=seealso" target="_blank">9 Easy Home Improvements That Add Thousands to Your Listing</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%2F7-retirement-splurges-that-are-worth-every-penny&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Retirement%2520Splurges%2520That%2520Are%2520Worth%2520Every%2520Penny.jpg&amp;description=7%20Retirement%20Splurges%20That%20Are%20Worth%20Every%20Penny"></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/u5180/7%20Retirement%20Splurges%20That%20Are%20Worth%20Every%20Penny_0.jpg" alt="7 Retirement Splurges That Are Worth Every Penny" 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/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-retirement-splurges-that-are-worth-every-penny">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-find-your-new-identity-after-retirement">How to Find Your New Identity After Retirement</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-get-the-most-out-of-your-overseas-retirement">How to Get the Most Out of Your Overseas Retirement</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-work-at-home-seniors-can-master-work-life-balance">9 Ways Work-At-Home Seniors Can Master Work-Life Balance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-vacation-destinations-where-eating-healthy-is-surprisingly-cheap">4 Vacation Destinations Where Eating Healthy Is Surprisingly Cheap</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-before-taking-a-mini-retirement">5 Money Moves to Make Before Taking a Mini Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Retirement family healthy eating hobbies pets retirement tips saving money splurges travel tips Thu, 03 May 2018 08:00:18 +0000 Ashley Eneriz 2136122 at http://www.wisebread.com 6 Ways to Celebrate a Raise Without Spending It All http://www.wisebread.com/6-ways-to-celebrate-a-raise-without-spending-it-all <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-celebrate-a-raise-without-spending-it-all" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/summer_chill_out.jpg" alt="Summer chill out" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You received a raise at work or landed a big client &mdash; now it's time to celebrate!</p> <p>While you may feel like you're on cloud nine after a big boost to your income, going ahead and blowing that raise on a celebratory vacation, car, or gizmo might not be the wisest financial move. Instead, find frugal ways to mark the occasion. Here are a few ways you can celebrate making more money without actually spending your hard-earned raise. (See also: <a href="http://www.wisebread.com/8-money-moves-to-make-the-moment-you-get-a-promotion?ref=seealso" target="_blank">8 Money Moves to Make the Moment You Get a Promotion</a>)</p> <h2>1. Plan a staycation</h2> <p>Instead of planning a big trip away, why not treat yourself to some time off at home?</p> <p>After working hard for that increase in pay, you're likely in desperate need of some rest and relaxation. Instead of paying big bucks for a fancy vacation, celebrate and relax at home for little to no cost.</p> <p>Go out and enjoy free or cheap attractions in your hometown. Go on a hike, spend a day at the beach, and grab your favorite local treat. Most importantly, set aside time for yourself to just unwind and chill out. You deserve it! (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>2. Cook a celebratory dinner</h2> <p>A celebratory night on the town might be nice, but it can get expensive quickly. Instead, treat yourself to a nice meal at home.</p> <p>Find a new recipe you've been dying to try, use up some spices in your cupboard, and throw in a nice dessert, too. If you really want to get fancy, buy yourself a cheap bottle of Champagne to commemorate the occasion.</p> <h2>3. Increase your retirement contributions</h2> <p>Want to give your future self a gift? Put that new increase in pay toward your retirement savings.</p> <p>It might not be the most glamorous way to celebrate, but investing that money now will provide you with one less thing to worry about in the future. You can kick back and celebrate knowing that you are one step closer to being prepared for retirement.</p> <h2>4. Meet your savings goal</h2> <p>Are you saving for a new house, car, vacation, or something else? Put the increase in income toward your savings goal and use that as a means of celebration.</p> <p>Splurges like trips and expensive household items aren't always a bad thing. But don't fall into the trap of thinking you can spend outside of your budget just because you are now earning more. It's always better to take a conservative approach with your money. Instead of immediately spending the extra money you are now earning, try saving it until you have enough to pay for your purchase in cash. (See also: <a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget?ref=seealso" target="_blank">How One Nice Thing Can Ruin Your Whole Budget</a>)</p> <h2>5. Throw a potluck</h2> <p>What better way to celebrate a newfound raise than to spend time with family and friends?</p> <p>Host a potluck or barbecue at home and ask guests to bring a dish to pass and something to drink. They will all be thrilled for you and you won't be out much cash, if any.</p> <h2>6. Pay off debt</h2> <p>Want to use your raise to get ahead? Do yourself a financial favor and pay off any debt you may have.</p> <p>Debt typically comes with relatively high interest rates. The longer you have it, the more money you will pay. Now that your income has increased, use the difference to put toward debt repayment. Not only will you pay off what you owe faster, but you'll save yourself hundreds, if not thousands, in long-term interest. Plus, you can eliminate one more bill in your monthly budget. (See also: <a href="http://www.wisebread.com/the-fastest-method-to-eliminate-credit-card-debt?ref=seealso" target="_blank">The Fastest Method to Eliminate Credit Card 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%2F6-ways-to-celebrate-a-raise-without-spending-it-all&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520to%2520Celebrate%2520a%2520Raise%2520Without%2520Spending%2520It%2520All.jpg&amp;description=6%20Ways%20to%20Celebrate%20a%20Raise%20Without%20Spending%20It%20All"></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/u5180/6%20Ways%20to%20Celebrate%20a%20Raise%20Without%20Spending%20It%20All.jpg" alt="6 Ways to Celebrate a Raise Without Spending It All" 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/rachel-slifka">Rachel Slifka</a> of <a href="http://www.wisebread.com/6-ways-to-celebrate-a-raise-without-spending-it-all">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-money-accomplishments-you-should-be-proud-of">5 Money Accomplishments You Should Be Proud Of</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-smart-moves-to-make-after-getting-a-raise-or-promotion">9 Smart Moves to Make After Getting a Raise or Promotion</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-goals-you-can-achieve-this-summer">5 Money Goals You Can Achieve This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-minute-finance-create-financial-goals">5-Minute Finance: Create Financial Goals</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-financial-resolutions-you-can-conquer-before-new-years">10 Financial Resolutions You Can Conquer Before New Year&#039;s</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle celebrating Cooking debt making more money potluck promotion raise retirement saving money staycation Wed, 02 May 2018 08:30:15 +0000 Rachel Slifka 2133911 at http://www.wisebread.com 18 Free Ways to Be a Better Person http://www.wisebread.com/18-free-ways-to-be-a-better-person <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-free-ways-to-be-a-better-person" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/group_of_happy_friends_hugging.jpg" alt="Group of happy friends hugging" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With a crazy schedule and tight budget, giving back is usually easier said than done. However, what if making a difference someone else's life didn't have to be that complicated, time-consuming, or costly? These 18 acts will help you become a better person, and help your community.</p> <h2>1. Bring in your neighbor's trash cans</h2> <p>Sometimes it's the simplest acts of kindness that can make a huge difference. If you're already bringing in your own trash can, then rolling in your neighbor's will just take a few extra minutes. You can also help neighbors along your block who are elderly or have disabilities that make tasks like moving the trash cans a chore. (See also: <a href="http://www.wisebread.com/12-easy-ways-to-win-over-your-neighbors?ref=seealso" target="_blank">12 Easy Ways to Win Over Your Neighbors</a>)</p> <h2>2. Pick up trash at a local park</h2> <p>Have you ever looked around your city or local park and thought it looked a bit dirty? Where I live, the amount of wind we receive makes it nearly impossible to be a trash-free community. Simply picking up a few pieces of litter at your park or anywhere else can instantly improve the appearance of your town.</p> <p>To get involved on a larger scale, research your city's website for annual trash pickup days.</p> <h2>3. Volunteer at a school or library</h2> <p>Ask your local schools and libraries about volunteer opportunities. Many need readers for story time, especially on fun days like Dr. Seuss's birthday (March 2).</p> <p>You can also volunteer your time as a tutor. And you don't need to be a 4.0 GPA rock star to help kids with homework after school. It also doesn't need to take up every moment of your free time, either. Just a couple hours per month can make a world of difference. <a href="https://www.unitedway.org/get-involved/volunteer" target="_blank">United Way</a> and <a href="https://www.volunteermatch.org/" target="_blank">VolunteerMatch</a> are sites that can connect you to tutoring opportunities and other volunteer gigs near you.</p> <h2>4. Write a nice note</h2> <p>Your encouraging words can mean more than you know. Send some to people you don't talk to regularly, such as old friends and distant family members. You can also send notes to soldiers thanking them for their service through <a href="http://amillionthanks.org/send_a_letter.php" target="_blank">A Million Thanks</a> or to hospitalized children to remind them that they have love and support all over the world through <a href="http://www.cardsforhospitalizedkids.com/" target="_blank">Cards for Hospitalized Kids</a>.</p> <h2>5. Donate books</h2> <p>We all have one too many books lying around. Donate books that you and your family are done reading to local libraries, schools, or to organizations like <a href="https://www.booksforafrica.org/donate/donate-books.html" target="_blank">Books For Africa</a> and <a href="http://www.bookstoprisoners.net/" target="_blank">Books to Prisoners</a>.</p> <h2>6. Make and deliver a meal</h2> <p>Know of someone who just had a baby or is recovering from surgery? Bring them a meal. If you can't cook, no worries. Even easy-to-make sandwiches like peanut butter and jelly or turkey with cheese would be welcomed and appreciated by someone who doesn't have the time or energy to prepare meals for themselves.</p> <h2>7. Send old tech gadgets to soldiers</h2> <p>Your old cellphone or iPad aren't worth that much anymore, but you can still donate them to individuals who will get great use out of them. <a href="https://www.cellphonesforsoldiers.com/" target="_blank">Cellphones for Soldiers</a> accepts older phones, smartphones, and tablets and gives them to service members as a way to connect with family members while serving.</p> <h2>8. Donate Blood</h2> <p>Most healthy individuals are qualified to donate blood. Hospitals always need more blood, and your blood donation can save a life. Find a local blood drive near you through the <a href="https://www.redcrossblood.org/donating-blood" target="_blank">American Red Cross</a>.</p> <h2>9. Offer free baby-sitting</h2> <p>If you know a couple with a kiddo or two who could use a night out on the town, offer to watch the kids for them. This way, the parents will get some much needed alone time, and won't have to pay anyone to watch the kids.</p> <h2>10. Donate nonperishable food to shelters</h2> <p>Take a look in your pantry. Is it overflowing with canned or boxed foods you know you won't eat? Pass the unused, unexpired, non-perishables to someone who will. Put your ZIP code in <a href="http://www.feedingamerica.org/find-your-local-foodbank/" target="_blank">Feeding America</a> to locate your nearest food bank.</p> <h2>11. Play with pets</h2> <p>Contact your local animal shelter to donate your time caring for animals. Some areas need help with cleaning, while others just need help socializing potential pets. Start by calling your nearest shelter or by visiting the <a href="https://www.animalhumanesociety.org/explore-volunteer-opportunities" target="_blank">Animal Humane Society</a> for nearby opportunities. Plus, you're never going to regret spending a few hours playing with dogs and cats.</p> <p>If you have a child who needs to practice their reading skills, your child could read to pets who haven't yet been adopted as a way to provide them comfort before their forever family takes them home.</p> <h2>12. Donate blankets and towels to animal shelters</h2> <p>If you don't have time to play with pups and kittens, you can still help out through donating old blankets and towels. Animal shelter staffers are constantly cleaning up after animals in their care, and also trying to keep them as comfortable as possible. Old towels and blankets are an ongoing necessity for them.</p> <h2>13. Serve food at a soup kitchen</h2> <p>Many individuals will volunteer time to pass out food during the holidays, but soup kitchens and food banks need help year-round. This is a great way to give back to your community alongside your friends and family, and usually the time commitment is minimal. Get everyone you love together and lend a helping hand.</p> <h2>14. Donate gift cards</h2> <p>Is your wallet full of gift cards with weird value amounts on it or with gift cards to stores or restaurants you would never visit? With <a href="https://www.charitygiftcertificates.org/GCE/" target="_blank">CharityChoice</a>, you can donate your gift cards and store credit to over 1,000 charities. (See also: <a href="http://www.wisebread.com/how-to-use-up-remaining-balances-on-prepaid-gift-cards?ref=seealso" target="_blank">How to Use Up Remaining Balances on Prepaid Gift Cards</a>)</p> <h2>15. Donate your miles</h2> <p>Like gift cards, sometimes you end up with unused air miles that aren't enough to cash in for travel or items. Instead of trading your miles for a subscription to a magazine you won't read, donate them to a worthy cause. For example, United members can donate their miles to <a href="https://secure.unitedmileageplus.com/CharityMilesSSO.jsp" target="_blank">Hero Miles</a> which gifts airline tickets to wounded, injured, or sick military members to see their family. (See also: <a href="http://www.wisebread.com/6-ways-to-sell-or-donate-your-airline-miles?ref=seealso" target="_blank">6 Ways to Sell or Donate Your Airline Miles</a>)</p> <h2>16. Knit blankets or hats</h2> <p>Put your knitting or crochet skills to use by creating goods for others. <a href="http://www.knotsoflove.org/" target="_blank">Knots of Love</a> accepts homemade hats for chemo patients, and <a href="https://binkypatrol.org/index.cfm?" target="_blank">Binky Patrol</a> accepts handmade blankets for those in need.</p> <h2>17. Donate your shoes or eye glasses</h2> <p>Organizations such as <a href="https://soles4souls.org/get-involved/give-shoes/donate/" target="_blank">Soles4Souls</a> and <a href="http://www.giveyoursole.org/blog/monetary-donations/" target="_blank">Give Your Sole</a> give lightly worn shoes a new life by donating them to those in need.</p> <p>Don't trash your old eye glasses, either. Donate them to <a href="http://www.lionsclubs.org/EN/how-we-serve/health/sight/eyeglass-recycling.php" target="_blank">Lions Clubs</a>, an organization that cleans and sorts used glasses by prescription strength to donate to low- and middle-income communities.</p> <h2>18. Shop through AmazonSmile</h2> <p>Now your Prime orders can benefit your favorite charity. Every time you shop through <a href="https://smile.amazon.com/" target="_blank">AmazonSmile</a>, a portion of your purchase will go to the charity you select. You can even see how much you donate over time to your charity through regular shopping and how much your charity receives overall. Your organization of choice gets rewarded for you buying something you were already going to purchase online. (See also: <a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=seealso" target="_blank">7 Amazon Prime Perks You've Forgotten to Use</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%2F18-free-ways-to-be-a-better-person&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F18%2520Free%2520Ways%2520to%2520Be%2520a%2520Better%2520Person.jpg&amp;description=18%20Free%20Ways%20to%20Be%20a%20Better%20Person"></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/u5180/18%20Free%20Ways%20to%20Be%20a%20Better%20Person.jpg" alt="18 Free Ways to Be a Better Person" 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/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/18-free-ways-to-be-a-better-person">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/heres-how-generosity-actually-improves-your-life">Here&#039;s How Generosity Actually Improves Your Life</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-the-world-better-with-these-17-free-ways-to-give-back">Make the World Better With These 17 Free Ways to Give Back</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/charitable-giving-give-in-order-to-receive">Charitable Giving: Give in Order to Receive</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-give-back-on-givingtuesday-without-breaking-the-bank">10 Ways to Give Back on #GivingTuesday Without Breaking the Bank</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-organizations-that-need-your-help-during-christmas">7 Organizations That Need Your Help During Christmas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle act of kindness charitable giving charity donation free ways to give back Giving Back good person helping hands Thu, 26 Apr 2018 09:00:10 +0000 Ashley Eneriz 2131427 at http://www.wisebread.com 5 Characteristics of the World's Youngest Billionaires http://www.wisebread.com/5-characteristics-of-the-worlds-youngest-billionaires <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-characteristics-of-the-worlds-youngest-billionaires" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mark_zuckerberg_at_g8_in_deauville_france.jpg" alt="Mark Zuckerberg at G8 in Deauville, France" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to Forbes, there are 2,208 billionaires in the world today. And just 63 members of this elite group are under the age of 40.</p> <p>Though the 63 youngest billionaires are a diverse group of individuals with different claims to fame, they do have quite a few things in common. Here are a few characteristics shared by some of the world's youngest billionaires.</p> <h2>1. More than half are entrepreneurs</h2> <p>Over half the billionaires on the under-40 list are self-made, with a majority being in the tech industry. Of course, people like Mark Zuckerberg of Facebook and Evan Spiegel of Snapchat made the list. So did the founders of Airbnb, Stripe, Uber, among others. But tech isn't the only profitable industry. Several of the billionaires on the list are from manufacturing, design, and medical industries.</p> <h2>2. Inheritance is prevalent</h2> <p>Not all of the world's most wealthy pulled themselves up by their bootstraps. While many of the world's youngest billionaires were self-made, there are also many who inherited their wealth.</p> <p>Twenty-four-year-old Gustav Magnar Witzøe, heir of Norwegian fish farming company Salmar, amassed a net worth of $1.9 billion after inheriting nearly half the company from his father. Heiress Yang Huiyan is worth over $21.9 billion at only 36 years old after inheriting her father's real estate development company in China. And Norwegian sisters Alexandra and Katharina Andresen &mdash; just 21 and 22 years old, respectively &mdash; each inherited 42 percent of their family-owned investment company, Ferd, for a net worth of $1.4 billion a piece.</p> <h2>3. Many of them left school to pursue their businesses</h2> <p>School was not the end game for many of the world's youngest billionaires; their business was.</p> <p>While enrolled in a product design class at Stanford, Evan Spiegel came up with the idea of Snapchat. In 2012, he officially dropped out of Stanford to focus on his growing app. Mark Zuckerberg dropped out of Harvard in 2005 to manage the ever-growing Facebook. Even some of the world's more established billionaires, such as Steve Jobs and Bill Gates, all dropped out of school before they graduated.</p> <p>This isn't to say dropping out of school to pursue a business is the secret to their success: Many billionaires on the list hold at least a bachelor's degree. (See also: <a href="http://www.wisebread.com/5-jobs-that-pay-over-50k-and-dont-require-a-bachelors-degree?ref=seealso" target="_blank">5 Jobs That Pay Over $50K and Don't Require a Bachelor's Degree</a>)</p> <h2>4. They have multiple successful businesses</h2> <p>The world's wealthiest often have more than one claim to fame. In fact, many of the youngest billionaires have worked on several notable and profitable projects on their rise to success.</p> <p>Garrett Camp, mostly known as the billionaire founder of Uber, was well on the tech scene before he even started the rideshare company. He actually was the founder of StumbleUpon, which he sold to eBay in 2007 for $75 million.</p> <p>Facebook's third employee, Dustin Moskovitz, worked with Zuckerberg to launch Facebook out of their dorm room at Harvard. After they both dropped out of college, Moskovitz moved to California with Zuckerberg to focus on further developing Facebook. In 2008, Moskovitz left Facebook to start Asana, a project management software &mdash; though most of his $12.4 billion net worth comes from his small remaining stake in Facebook. (See also: <a href="http://www.wisebread.com/what-small-business-owners-can-learn-from-top-forbes-entrepreneurs?ref=seealso" target="_blank">What Small Business Owners Can Learn From Top Forbes Entrepreneurs</a>)</p> <h2>5. They prioritize hobbies</h2> <p>Norwegian heiresses Alexandra and Katharina Andresen spend most of their time riding horses competitively. Airbnb billionaire Brian Chesky was a former bodybuilder, and 27-year-old Stripe founder Jack Collison prefers to spend his spare time running &mdash; a hobby we can all afford.</p> <p>While many of these billionaires spend a majority of their time overseeing extravagant business operations, they still value taking time for their own interests and hobbies. That's something we should all take to heart.</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-characteristics-of-the-worlds-youngest-billionaires&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Characteristics%2520of%2520the%2520World%2527s%2520Youngest%2520Billionaires.jpg&amp;description=5%20Characteristics%20of%20the%20World's%20Youngest%20Billionaires"></a></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Characteristics%20of%20the%20World%27s%20Youngest%20Billionaires.jpg" alt="5 Characteristics of the World's Youngest Billionaires" 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/rachel-slifka">Rachel Slifka</a> of <a href="http://www.wisebread.com/5-characteristics-of-the-worlds-youngest-billionaires">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/how-to-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-you-won-the-lottery-you-would">If You Won The Lottery, You Would...</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-end-of-life-cost-savings-your-survivors-will-thank-you-for">9 End-of-Life Cost Savings Your Survivors Will Thank You For</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entrepreneurship Lifestyle billionaires characteristics Facebook forbes inheritance snapchat technology wealthy youngest Wed, 18 Apr 2018 09:00:07 +0000 Rachel Slifka 2129346 at http://www.wisebread.com 14 Reasons to Celebrate Getting Older http://www.wisebread.com/14-reasons-to-celebrate-getting-older <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-reasons-to-celebrate-getting-older" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smiling_senior_woman_adding_cream_in_icecream.jpg" alt="Smiling senior woman adding cream in ice cream" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'll be the first to admit that I'm self-conscious about aging. Not so much the number (which is climbing to a hearty 37 years old this year) but rather that I can physically see the youth exiting my body as life experience replaces it. Getting older is a hard pill to swallow, but like everyone else, I have to do it, so why not look at the bright side, right? Thus, here are 14 reasons why blowing out one more birthday candle isn't such a bad thing.</p> <h2>1. You're more comfortable with yourself</h2> <p>Once you get over the hurdle of transitioning from a 20-something-looking 30-something into a full-fledged 40-looking 40-something, it starts to get easier. While I'm still anxious about aging, I'm not as worried about it as I used to be &mdash; like when I had five 25th birthdays because turning 30 was just too terrifying. Now I accept the process, plan a great birthday with someone I love, and have fun.</p> <p>Superficiality aside, there are lots of other things that I'm more comfortable with now versus 10 years ago, like my personal and professional accomplishments, the relationships I have, my own autonomy, and having enough money to splurge on travel and nice dinners instead of bulk-buying ramen and cheap booze.</p> <h2>2. Retirement</h2> <p>If you've done what you can to set yourself up for a comfortable retirement, you can enter your golden years with excitement. Even if your finances aren't quite there yet, you can still make it work. You may not be able to travel the world like you planned, but things change and you'll find a way to make the most of what you've got. (See also: <a href="http://www.wisebread.com/7-easiest-ways-to-catch-up-on-retirement-savings-later-in-life?ref=seealso" target="_blank">7 Easiest Ways to Catch Up on Retirement Savings Later in Life</a>)</p> <p>Full retirement might not be what you want anyway, so part-time retirement may be more your speed. Basically, you'd have the freedom you've envisioned, but you'd fill some of that free time making money doing something you enjoy, like working part-time at a shop in town, <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=internal" target="_blank">driving for Lyft or Uber</a>, or making crafts that you can sell on Etsy.</p> <h2>3. Discounts galore</h2> <p>Senior discounts are awesome, but before you even become an official senior, you'll start getting discounts on things like car insurance, which provides savings based on age and good driving records over time.</p> <h2>4. Your priorities change</h2> <p>What matters most changes as you get older and experience life's milestones, like getting married and having children. Neither of those things are in the cards for me &mdash; I did the former once, and that's enough &mdash; but my own priorities have changed based on what I would like for my future and how I plan to spend my money, like my mortgage, which is more important than the frivolous stuff on which I used to waste money.</p> <h2>5. Sex is better</h2> <p>Maybe it's because it takes more time in general to do the deed as you get older, but I've found sex to be much more passionate and meaningful in my 30s than it was in my 20s, and that's whether I'm in a relationship or not.</p> <p>You also become more confident, and less tolerable of selfish partners, so as your standards go up, the sex you have just improves over time.</p> <h2>6. You learn to let the little things go</h2> <p>What mattered when I was younger &mdash; <em>every. little. thing.</em> &mdash; just doesn't anymore. I don't have the kind of time I did back then to worry about the trivial inconveniences. I brush it off and move on.</p> <h2>7. True friends reveal themselves</h2> <p>We go through a lot throughout our lives, and those crises will make or break friendships and other relationships. I used to think quantity mattered when it came to friends, but in the end, it's the quality of people with whom you surround yourself that will enrich your life.</p> <p>At this stage, I'd rather have one committed person on the couch with me on a Friday night than pretend to enjoy the company of 20 acquaintances at a club, none of whom would be willing to give me a ride home if I needed it. (See also: <a href="http://www.wisebread.com/5-friend-types-that-can-hurt-your-finances?ref=seealso" target="_blank">5 Friend Types That Can Hurt Your Finances</a>)</p> <h2>8. Seeking the approval of others is a thing of the past</h2> <p>Do I care what people think about me? Yes. I would be lying if I said I didn't. But as I've gotten older, I care less about how they view me on the surface &mdash; how I dress, the way I look, the kind of car I drive &mdash; versus how they view my character. I've also accepted that I can't please everybody, so there's no point in trying.</p> <p>Just do you and everything else will fall into place.</p> <h2>9. You don't have to do things you don't want to</h2> <p>I don't attend holidays or weddings or family vacations that I don't want to anymore. Life is too short to spend so much time (and money) being uncomfortable. Does this hurt other people's feelings? Perhaps. But there's a reason I'm saying no to these events. It's because it makes <em>me</em> feel uncomfortable, and I come first in terms of comfort.</p> <h2>10. You make more money (hopefully)</h2> <p>The older you get, the more experience you gain, and hopefully your paycheck continues to reflect that. Plus, you get to spend money on a home, children, and other things you always pictured spending money on as a typical &quot;grown-up.&quot; (See also: <a href="http://www.wisebread.com/how-to-use-glassdoor-to-earn-more-money?ref=seealso" target="_blank">How to Use Glassdoor to Earn More Money</a>)</p> <h2>11. Food is better at parties</h2> <p>We barely ate at parties in my 20s, and if I did, it was bags of chips. But now, in my 30s, I attend parties with plates of hors d'oeuvres that hosts spend hours making. I'll take delicate crab puffs over stale chips any day.</p> <h2>12. You stress less about your physical appearance</h2> <p>I still worry about my physical appearance, and I'm in the gym trying to ward off pounds on a regular basis. But I've eased up on myself over the years, and now focus more on the health benefits of consistent sweat sessions, rather than having six- or eight-pack abs. (See also: <a href="http://www.wisebread.com/10-ways-to-age-well-for-0?ref=seealso" target="_blank">10 Ways to Age Well for $0</a>)</p> <h2>13. You have a lifetime worth of memories and mementos</h2> <p>I have so many fond memories at age 36 and I feel like my life is just getting started. I'm looking forward to looking back on the memories 20 years from now. I hope I make myself proud.</p> <h2>14. Age truly is just a number</h2> <p>Once you reach a certain age, what is age anymore? Does 50 feel differently than 60? I'm not quite there yet, but I feel better physically, mentally, and emotionally now than I did when I turned 30, which makes me not as afraid to reach the next milestone birthday.</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%2F14-reasons-to-celebrate-getting-older&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F14%2520Reasons%2520to%2520Celebrate%2520Getting%2520Older.jpg&amp;description=14%20Reasons%20to%20Celebrate%20Getting%20Older"></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/u5180/14%20Reasons%20to%20Celebrate%20Getting%20Older.jpg" alt="14 Reasons to Celebrate Getting Older" 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/14-reasons-to-celebrate-getting-older">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/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-self-care-rituals-for-the-newly-retired">7 Self-Care Rituals for the Newly Retired</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/11-easy-ways-to-fix-your-whole-life-this-summer">11 Easy Ways to Fix Your Whole Life This Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle 20s 30s 40s 50s aging getting older growing old healthy lifestyle self-care skin care Mon, 16 Apr 2018 08:00:07 +0000 Mikey Rox 2130750 at http://www.wisebread.com 3 Tactful Ways to Ask for Money for Your Wedding http://www.wisebread.com/3-tactful-ways-to-ask-for-money-for-your-wedding <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-tactful-ways-to-ask-for-money-for-your-wedding" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bride_and_groom_in_green_nature.jpg" alt="Bride and groom in green nature" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your partner put a ring on it and now you get to marry the person of your dreams. Congratulations! While planning a wedding and figuring out how to pay for everything can be stressful, you also get to create a wedding registry and select all the gifts you want people to give you. (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> <p>While it's fun to scan house decor and that big screen TV you hope one of your guests will be cool enough to buy, cash would be a lot more helpful to you and your soon-to-be spouse. You don't need fancy place settings or sheets with a high thread count, but how can you ask friends and family members to skip the shopping spree and hand over the dough without sounding tacky?</p> <p>Here are three strategies that work.</p> <h2>Create a specialized registry</h2> <p>You aren't the only one who wants cash gifts for their wedding, which is why many online donation registries are available. Sites like Honeyfund and Traveler's Joy allow you to create a wish list of items like a dolphin excursion for your honeymoon or new cabinets for your kitchen in your condo, and your guests can donate money to help you pay for those things. Your wedding guests will feel like their money is going toward a good cause, and you will be able to cash out after your wedding.</p> <p>Note that some of these registries will charge you a small 2 to 3 percent transaction or processing fee (and your guests if they use a credit card). Also, many of these registries will take a few weeks to deposit your funds into your bank account, so plan your honeymoon accordingly. (See also: <a href="http://www.wisebread.com/10-money-saving-gifts-to-put-on-your-wedding-registry?ref=seealso" target="_blank">10 Money-Saving Gifts to Put on Your Wedding Registry</a>)</p> <p>Whatever you do, don't skip the registry! Some couples think that if they skip the registry altogether that guests will automatically give them cash. Instead, some guests might take this as a sign to give you anything. You might end up with three toasters and floral bedspreads that you would never choose to buy. At least with a registry, you can get items you selected, and you know where to return them if you don't like the gifts. (See also: <a href="http://www.wisebread.com/alternative-wedding-registry-ideas?ref=seealso" target="_blank">Alternative Wedding Registry Ideas</a>)</p> <h2>Do the dollar dance at your wedding</h2> <p>During your wedding, the DJ will announce to the guests that the dance floor is now open for anyone who wishes to dance with the bride or groom. The DJ will also mention that for those who want to help the couple have an extra special honeymoon, this dance is the time to hand over the bills. The &quot;dollar dance,&quot; also known as the &quot;money dance&quot; or the &quot;apron dance,&quot; is socially acceptable and expected in many cultures.</p> <p>This dance is extremely awkward, but it also gives older relatives a chance to relish in this special moment and say a sweet word to the bride or groom away from the crowd. My family and my husband's family expected the dollar dance, and even though it made both of us cringe, we are glad we did it. We earned about $400 from the 20-minute dance session, and that moment gave my grandma and aunt a chance to dance and welcome my husband to the family without feeling embarrassed. I thought no one would want to dance with us, but it did end up being a sweet way to thank guests for coming and make them feel noticed.</p> <p>However, it is important to think about your guests. Will they think the dollar dance is a fun tradition or would they be offended? For my wedding, we were surrounded by people who just wanted to bless us financially, but we were also a young couple just starting out. Older couples that are perceived to have high-paying jobs might not get the same reaction from their guests if they did a dollar dance.</p> <h2>Word-of-mouth</h2> <p>Let a few close family members and friends know that while you have a registry, you are also saving money toward a down payment on a house or a kitchen renovation. Ask them to mention this to anyone who asks for registry help or gift ideas. For example, when your old school grandmother asks your mom how to work the registry, your mom can say, &quot;I can take you shopping this week, but I heard that Jane and Mark are trying to save up for a down payment on a house this year if you would rather contribute the money to that.&quot;</p> <p>The idea is that your wedding guests aren't hearing directly from you that you want cash. You don't want your wedding to feel like a call for money handouts. You also have to realize that many guests might prefer to give checks, but they just don't know how much to give. For example, gifting a nice punch bowl seems more gracious to many people than handing over the cost of the bowl. Word-of-mouth can also help in these tricky situations. Close friends can say, &quot;I'm just going to give them a $40 check for their honeymoon. I know every little bit will be appreciated,&quot; when other friends ask what they are gifting.</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%2F3-tactful-ways-to-ask-for-money-for-your-wedding&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F3%2520Tactful%2520Ways%2520to%2520Ask%2520for%2520Money%2520for%2520Your%2520Wedding.jpg&amp;description=3%20Tactful%20Ways%20to%20Ask%20for%20Money%20for%20Your%20Wedding"></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/u5180/3%20Tactful%20Ways%20to%20Ask%20for%20Money%20for%20Your%20Wedding.jpg" alt="3 Tactful Ways to Ask for Money for Your Wedding" 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/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/3-tactful-ways-to-ask-for-money-for-your-wedding">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/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</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-turn-your-wedding-expenses-into-a-free-honeymoon">How to Turn Your Wedding Expenses Into a Free Honeymoon</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-frugal-guests-guide-to-surviving-wedding-season">The Frugal Guest&#039;s Guide to Surviving Wedding Season</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-retirement-splurges-that-are-worth-every-penny">7 Retirement Splurges That Are Worth Every Penny</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-lessons-kids-can-learn-from-the-tooth-fairy">7 Money Lessons Kids Can Learn From the Tooth Fairy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle honeymoon planning your wedding saving money wedding wedding budget wedding fund wedding tips Thu, 29 Mar 2018 10:00:05 +0000 Ashley Eneriz 2123633 at http://www.wisebread.com 5 Financial Risks Worth Taking http://www.wisebread.com/5-financial-risks-worth-taking <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-financial-risks-worth-taking" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/each_diploma_is_a_lighted_match.jpg" alt="Each diploma is a lighted match" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>They say no big reward comes without risk. That can be a hard pill to swallow, especially when it comes to our money.</p> <p>Most of us would rather not put our hard earned cash at risk. With the tough economic times of 2008 in recent memory, people are still on edge when it comes to taking financial risks.</p> <p>On the other hand, leaving your cash in a savings account isn't going to get you ahead of the game. In order to be successful financially, you will eventually have to face some risk. In fact, being too complacent with your cash can be one of the biggest financial risks of all.</p> <p>Here are the financial risks that can be hugely beneficial.</p> <h2>1. Moving to a new city</h2> <p>Do you feel like your current location is lacking in career opportunities? Or perhaps rent is atrocious and you're finding it hard to get by? A move may be a solution.</p> <p>There's no doubt about it &mdash; moving is expensive. You may have to break a lease and sign a new one, complete with security deposit. You'll probably have to pay for a moving truck, movers, new furniture, and more. Not to mention, your new city could come with a much higher cost of living. But, for some people, moving could be well worth it.</p> <p>When I moved cities, even though I tried to make it as cheap as possible, I still incurred quite a few expenses. But financially and personally, it was worth it to me. My hometown is small with very few opportunities, so I knew I would have a better shot at earning a bigger income in a larger city. Fortunately, that turned out to be true. (See also: <a href="http://www.wisebread.com/heres-how-much-life-in-the-big-city-will-cost-you?ref=seealso" target="_blank">Here's How Much Life in the Big City Will Cost You</a>)</p> <h2>2. Investing in graduate school</h2> <p>Graduate school is a big investment, so it's important to weigh whether or not the expense is worth it in the long run. Tuition costs are ever increasing, books are expensive, and if you choose a full-time program, you are losing out on income you could have earned while working instead.</p> <p>While it is a big investment, a graduate degree can help you find a higher paying job with more opportunity for growth. And some high paying careers cannot be achieved without some sort of degree in higher education.</p> <p>Before you sign up for graduate school, take time to truly consider what you want to do and whether it will benefit you financially. Be sure to consider how you can market yourself, even without an advanced degree. While a graduate degree can certainly help in the job process, there are many other factors that determine whether or not you receive a job offer. (See also: <a href="http://www.wisebread.com/7-things-to-consider-before-paying-for-an-mba?ref=seealso" target="_blank">7 Things to Consider Before Paying for an MBA</a>)</p> <h2>3. Starting a business</h2> <p>Starting a business is outside many people's comfort zone. It can cost significant cash to start and to grow a business from scratch. There is also uncertainty in working for yourself if you've only ever worked with for a traditional 9-to-5 employer.</p> <p>But starting a business can come with many personal and financial benefits. For one, you keep all of your own profit. If the business is successful, you are the one who gets the big payout. For many people, owning and operating their own business is a personal and career preference as well. If you've been dreaming about starting your own business, develop a financial plan before you dive in head first. (See also: <a href="http://www.wisebread.com/starting-your-dream-business-is-easier-than-you-think-heres-how?ref=seealso" target="_blank">Starting Your Dream Business Is Easier Than You Think &mdash; Here's How</a>)</p> <h2>4. Investing</h2> <p>The stock markets are full of ups and downs and uncertainty, but the payoff can be huge. Most, if not all, experts would agree that failing to invest is riskier than not investing. While leaving your money in a savings account might ensure it doesn't lose much value in the short term, it won't gain much value, either. In fact, due to inflation, you are likely to lose value over time.</p> <p>Investing thoughtfully, however, can give you the opportunity to grow your money at a much faster rate. Investing certainly isn't a get-rich-quick scheme, but overall, it can pay off big time with smart decisions. (See also: <a href="http://www.wisebread.com/how-the-risk-averse-can-get-into-the-stock-market?ref=seealso" target="_blank">How the Risk Averse Can Get Into the Stock Market</a>)</p> <h2>5. Buying a home</h2> <p>The housing market isn't necessarily as stable as it used to be, and a home is a major cost. But can it be worth the risk?</p> <p>There are many factors to consider when deciding if purchasing a home is worth the risk. You'll want to consider resale value, in the event that you need to move. Location, school district, quality of home, and neighborhood are all other important factors to consider. If you are planning to stay in a location long-term, a house may be a smart investment. (See also: <a href="http://www.wisebread.com/7-worst-reasons-not-to-buy-a-house?ref=seealso" target="_blank">7 Worst Reasons NOT to Buy a House</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%2F5-financial-risks-worth-taking&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Financial%2520Risks%2520Worth%2520Taking.jpg&amp;description=5%20Financial%20Risks%20Worth%20Taking"></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/u5180/5%20Financial%20Risks%20Worth%20Taking.jpg" alt="5 Financial Risks Worth Taking" 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/rachel-slifka">Rachel Slifka</a> of <a href="http://www.wisebread.com/5-financial-risks-worth-taking">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/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> <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-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-money-moves-youre-never-too-old-to-make">9 Money Moves You&#039;re Never too Old to Make</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-putting-off-these-9-adult-money-moves">Are You Putting Off These 9 Adult Money Moves?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle business ownership education entrepreneurship homeownership investing master's degree moving risks Spending Money Wed, 28 Mar 2018 10:00:07 +0000 Rachel Slifka 2111742 at http://www.wisebread.com The High Cost of Planning for the End of the World http://www.wisebread.com/the-high-cost-of-planning-for-the-end-of-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-high-cost-of-planning-for-the-end-of-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/secret_agent_terrorist_or_businessman_of_apocalypse.jpg" alt="Secret agent, terrorist or businessman of apocalypse" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I love reading and watching dystopian stories about what happens to humanity after a global apocalypse. From <em>Mad Max</em> to Octavia Butler's <em>Parable of the Sower</em>, and from <em>The Walking Dead</em> to Stephen King's <em>The Stand</em>, I love the creative ideas behind the post-apocalyptic quest for survival in literature and film.</p> <p>But there are many people out there who do more than just enjoy stories about surviving an apocalypse. For these preppers, planning for how and where they will &quot;bug out&quot; on the day the stuff hits the fan is an important part of planning for their futures. The problem is that preparing for a coming global apocalypse is not cheap. Getting ready for the end of the world as we know it costs a pretty penny &mdash; which can cause major financial problems if the nuclear annihilation, newly-risen zombies, and/or cataclysmic comet never actually arrive.</p> <p>Here's how much planning for the end of the world could cost you &mdash; and why it might make sense to plan for a more optimistic future instead.</p> <h2>Your basic post-apocalyptic needs</h2> <p>Human needs are all the same, whether you're living in a stable democracy or a barren, post-apocalyptic hellscape. No matter one's current living situation, all humans require:</p> <ul> <li> <p>Shelter.</p> </li> <li> <p>Fresh water.</p> </li> <li> <p>Food.</p> </li> <li> <p>Clothing.</p> </li> <li> <p>Energy/heat.</p> </li> <li> <p>Waste management.</p> </li> </ul> <p>If you are actively planning for the end of the world, however, you probably assume that the current way you meet these needs will no longer be sufficient. Which means that in addition to spending your hard-earned money on your current home, food, clothing, and utilities, you will also need to purchase post-doomsday-ready items to meet those needs after the end comes. (See also: <a href="http://www.wisebread.com/13-essentials-every-emergency-bag-should-have?ref=seealso" target="_blank">13 Essentials Every Emergency Bag Should Have</a>)</p> <h2>The cost of building a bunker</h2> <p>Underground bunkers are a staple of apocalyptic fiction for a reason &mdash; they offer protection from many different kinds of doomsday scenarios.</p> <p>At the low end, it is possible to DIY a bunker out of a <a href="http://www.askaprepper.com/how-much-does-a-nuclear-bunker-cost/" target="_blank">$1,500 shipping container</a>, but even that inexpensive option can get spendy pretty quickly. You have to add the cost of reinforcing the container's sides (since these containers are not built to withstand the weight of soil), plus the cost of installation, which includes hiring an excavator and building a staircase and exit.</p> <p>All together, you can expect to spend between $3,000 and $6,000 on your shipping container bunker, which you still have not set up for comfortable habitation. Adding fresh water, an energy source, waste management, and sufficient food for your long wait for normality to return will add even more money and time to this &quot;inexpensive&quot; option for prepping.</p> <p>At the other end of the spectrum, you can purchase an underground luxury apartment in an abandoned missile silo for between $1.5 and $4.5 million. This will allow you and your fellow 1 percenters to wait out the worst of the post-apocalyptic unrest without having to deal with pesky radiation poisoning or the hoi polloi. These kinds of luxury bunkers come pre-equipped with food, power, and even amenities like swimming pools.</p> <h2>Understand the real risks</h2> <p>Whether you are digging up the backyard to install a shipping container while filing your swimming pool with tilapia, or you are throwing money at the potential end-of-the-world problem by buying real estate in a luxury bunker, it's important to ask yourself if you're preparing for the right kind of catastrophe.</p> <p>There is absolutely nothing wrong with preparing for the worst &mdash; but it's important to remember that some future problems are far more likely than others. The possibility that you will not have enough money for retirement is much higher than the possibility that there will be a nuclear strike in your neighborhood. The nuclear strike (or volcanic eruption, or civil war, or walking corpses) may be more interesting to think about &mdash; and therefore more likely to end up in a movie or novel &mdash; but it's much more likely that you'll run out of cash in retirement and be stuck eating ketchup sandwiches.</p> <p>This is especially true if you invest your money in end-of-the-world preparation, rather than invest it in your retirement. While you are spending money on underground lairs, water purifiers, MREs, radiation-resistant clothing, and enough axes to behead every zombie in a 10-mile radius, you are not building your financial bunker against the vagaries of job loss and old age &mdash; and you've purchased items that are difficult to resell, to boot.</p> <h2>Be prepared without bugging out</h2> <p>While it is entirely possible that we may experience some sort of extinction-level event in our lifetimes, there is absolutely no way to know if it will happen &mdash; and what form it would take if it does.</p> <p>That means that preparing for the end of the world requires far less stockpiling than the prepper websites would have you believe. It makes much more sense to prepare for a number of potential catastrophes by <a href="http://www.wisebread.com/7-easy-ways-to-build-an-emergency-fund-from-0?ref=internal" target="_blank">building a robust emergency fund</a> and retirement nest egg. That way, you have the agility to handle any number of unexpected catastrophes, whether they are the vanilla types of problems that most emergency funds are built to withstand, or they are truly world-ending changes. (See also: <a href="http://www.wisebread.com/7-retirement-planning-steps-late-starters-must-make?ref=seealso" target="_blank">7 Retirement Planning Steps Late Starters Must Make</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%2Fthe-high-cost-of-planning-for-the-end-of-the-world&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520High%2520Cost%2520of%2520Planning%2520for%2520the%2520End%2520of%2520the%2520World.jpg&amp;description=The%20High%20Cost%20of%20Planning%20for%20the%20End%20of%20the%20World"></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%20High%20Cost%20of%20Planning%20for%20the%20End%20of%20the%20World.jpg" alt="The High Cost of Planning for the End of the World" 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/the-high-cost-of-planning-for-the-end-of-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-reverse-lifestyle-creep">9 Ways to Reverse Lifestyle Creep</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-build-financial-stability-after-divorce">How to Build Financial Stability After Divorce</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-expenses-to-ditch-after-age-30">5 Expenses to Ditch After Age 30</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle apocalypse disaster planning emergencies end of the world expenses preppers riskis Mon, 26 Mar 2018 10:00:06 +0000 Emily Guy Birken 2121989 at http://www.wisebread.com 10 Time-Management Fails — and How to Fix Them http://www.wisebread.com/10-time-management-fails-and-how-to-fix-them <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-time-management-fails-and-how-to-fix-them" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_clock_showing_nearly_twelve.jpg" alt="Woman holding clock showing nearly twelve" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Time is finite. We all have 24 hours a day, and seven days a week, to achieve our goals. However, it seems like some people have tons of free time, and others never have enough hours in the day. If you are constantly struggling to find the time to get stuff done, you probably need a little more discipline in your life. Here are 10 classic time management fails &mdash; that many of us struggle with &mdash; and how to fix them. (See also: <a href="http://www.wisebread.com/8-reasons-time-is-worth-more-than-money?ref=seealso" target="_blank">8 Reasons Time Is Worth More Than Money</a>)</p> <h2>1. You are a masterful procrastinator</h2> <p>Remember those homework assignments that we put off until the last second? Or deadlines at work that we're desperately trying to meet the night before? We've all done it. You convince yourself that there's just not enough time in the day to do what you need to do, but tomorrow you can get it done. Of course, when tomorrow turns into today, the same thought takes over again, and eventually, it becomes a last-minute rush and you find yourself muttering &quot;I wish I had more time.&quot; Thing is, you had it. You just didn't have enough discipline to make use of it.</p> <p>Stop waiting for tomorrow. Even if you can't finish it today, you can still get started. Start breaking down your tasks and goals into smaller, more manageable steps you can accomplish each day, eventually leading you to the finish line. (See also: <a href="http://www.wisebread.com/how-to-add-an-extra-hour-to-your-day?ref=seealso" target="_blank">How to Add an Extra Hour to Your Day</a>)</p> <h2>2. You don't take advantage of modern technology</h2> <p>Now more than ever, we have all the tools we need to become masters of time management. You have, at your fingertips, some of the best apps available to help you organize your time down to the second, including calendars, reminders, task managers, list makers, and so much more. If you are constantly wishing you had more time, but are not taking advantage of these great (and usually free) tools, you're missing out. Once you start using them, it will become second nature. (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>3. You haven't established a morning routine</h2> <p>One of the easiest ways to get better with time management is to start off the day in the right frame of mind. A morning routine can be tough to establish, especially if some mornings are way different from others. Do what you can to carve out 30 minutes that will set you on the right track for the rest of the day. It can be as simple as a quick shower, drinking coffee while catching up on the morning news, a brisk walk around the block, and five minutes of meditation. Do whatever works for you. But do it daily, and it will ground you for a less hectic day. (See also: <a href="http://www.wisebread.com/13-things-successful-people-do-every-morning?ref=seealso" target="_blank">13 Things Successful People Do Every Morning</a>)</p> <h2>4. You make too much time for fun</h2> <p>Isn't it funny how there's &quot;not enough time to do everything,&quot; but there's always time to see that new movie, head to the ballgame, or go on a shopping trip? That's just human nature. We make time for the fun stuff because it's, well, fun.</p> <p>However, you can't really justify saying you don't have enough time to get work or chores done when you easily make time for the fun things. Even laying in bed and giving the snooze button a few whacks is time that could be spent doing other things. Sure, you need to make time to relax and wind down, but balance that with some discipline so you can go to bed feeling good about the way you spent your day.</p> <h2>5. You waste time because you're disorganized</h2> <p>You can't find your keys. You forgot something you needed at the store, and have to make a second trip. You can't find that super important work email in your messy inbox. Things like this can really eat into the time you have available throughout the day. Ten minutes here, 20 minutes there, and before you know it, you've wasted two precious hours and gotten nothing done.</p> <p>This problem can be eliminated by getting more organized. For example, make a place right next to the door to hang your keys, and get into the habit of hanging them there as soon as you come in the door. Make lists on your phone before you go to the grocery store. Add stars and labels and folders to keep your inbox clean. It may take you some time on the front end to make these organizational moves, but you'll save tons of time in the long run. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life?ref=seealso" target="_blank">5 Easy Ways to Declutter Your Digital Life</a>)</p> <h2>6. You're trying to do too much at once</h2> <p>A little multitasking here and there is fine. However, when you decide that the best way to get everything done is to attack it all at once, you're going to run into all kinds of problems. First, your focus is divided between several tasks at the same time, and that will mean each job is only getting a fraction of the attention it deserves. You may also need to be in a different mindset to do one job, and it can negatively impact the work you're doing on the others.</p> <p>Mix-ups and mistakes often happen when you're juggling a whole bunch of projects, plus you can feel so overwhelmed that in the end, none of the jobs get completed; or if they do, they're half-baked. Only take on what you can manage successfully, and have the discipline to finish those tasks before attempting any more. (See also: <a href="http://www.wisebread.com/16-time-and-money-saving-apps-for-freelancers?ref=seealso" target="_blank">16 Time and Money Saving Apps for Freelancers</a>)</p> <h2>7. You tend to rush things</h2> <p>When people rush, they inevitably make mistakes that have the exact opposite impact, and they spend more time fixing mistakes than if they had just slowed down and done it right the first time. While it may seem like going faster will get it done faster, it will probably just create problems for you. So, take a breath, slow down, and work at a steady and manageable pace.</p> <h2>8. Your goals are ill-defined</h2> <p>People who are on top of everything know exactly what they want to achieve. Usually, their goals are written down and planned out, weeks or months in advance. Not only that, but every goal is crystal clear.</p> <p>For example, let's take something that we all dread &mdash; cleaning out the garage or basement. For those of us who never seem to have enough time in the day, it's just a horrible task on the horizon that we keep putting off. For those with clear goals, it will be compartmentalized and come with a list of dates and objectives:</p> <ul> <li> <p>Day one, go through all old paperwork, shred, and file.</p> </li> <li> <p>Day two, find items to donate.</p> </li> <li> <p>Day three, find items for a garage sale.</p> </li> </ul> <p>And so on. &quot;Clean the garage&quot; is daunting and feels massive. Breaking the goal into clear steps with deadlines makes life way easier.</p> <h2>9. You get laser-focused on one task</h2> <p>When you do something, you don't just want to do it well, you want it do it flawlessly. So cleaning the kitchen takes all day instead of half an hour, as you sit on the floor with a toothbrush and a bleach solution getting into every crevice and tile. Cleaning the junk drawer becomes a task that sends you to the store for a new set of containers, and bags, and labels, and zip ties. Tasks that should take minutes take hours, and hours turn into days. Simply by easing off and doing a decent job, not a perfect one, you can save so much time.</p> <h2>10. You have trouble making decisions</h2> <p>How many of us have spent an hour or more in front of the TV trying to find something good to watch? By the time we land on the perfect movie or show, there's no time left to watch it. The same can be said of deciding on meals to prepare, clothes to buy, or places to visit. Too much time is spent on the act of making a decision, and not enough time spent doing what needs to be done.</p> <p>There are ways to get around this, such as apps that help you make decisions, or simply jotting down the pros and cons of the outcome. Get in the habit of making decisions more quickly, and you'll have more time on your hands. (See also: <a href="http://www.wisebread.com/how-to-simplify-your-life-to-avoid-decision-fatigue?ref=seealso" target="_blank">How to Simplify Your Life to Avoid Decision Fatigue</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%2F10-time-management-fails-and-how-to-fix-them&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Time-Management%2520Fails%2520%25E2%2580%2594%2520and%2520How%2520to%2520Fix%2520Them.jpg&amp;description=10%20Time-Management%20Fails%20%E2%80%94%20and%20How%20to%20Fix%20Them"></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/u5180/10%20Time-Management%20Fails%20%E2%80%94%20and%20How%20to%20Fix%20Them.jpg" alt="10 Time-Management Fails &mdash; and How to Fix Them" 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/10-time-management-fails-and-how-to-fix-them">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-add-an-extra-hour-to-your-day">How to Add an Extra Hour to Your Day</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-time-is-worth-more-than-money">8 Reasons Time Is Worth More Than Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/solve-problems-study-and-brainstorm-using-mind-maps">Solve Problems, Study, and Brainstorm using Mind Maps</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/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</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/spice-up-the-conversation-by-skipping-what-do-you-do">Spice Up the Conversation by Skipping &quot;What Do You Do?&quot;</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Lifestyle career tips free time lifestyle tips time management time management fails time management tips Thu, 15 Mar 2018 10:00:06 +0000 Paul Michael 2116977 at http://www.wisebread.com 7 Things You Can Downsize Right Now http://www.wisebread.com/7-things-you-can-downsize-right-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-can-downsize-right-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/she_has_a_great_love_of_shoes.jpg" alt="She has a great love of shoes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When we think of the term &quot;downsizing,&quot; we often think of trading a larger home for a smaller one. But downsizing isn't just for houses. Look around you. What's consuming too much of your time, your money, your space, or your energy? In a nation that famously supersizes everything, downsizing just might be the key to a more fulfilling life. Here are seven things you can downsize right now. (See also: <a href="http://www.wisebread.com/how-to-decide-what-to-keep-when-downsizing?ref=seealso" target="_blank">How to Decide What to Keep When Downsizing</a>)</p> <h2>1. Car</h2> <p>Advertisers work hard to convince us that what we drive defines who we are. But that trick costs all of us money (after all, who wants to be a 1974 Pinto?).</p> <p>Don't fall for it. Instead, embrace this revolutionary truth: Cars are simply tools to get us from Point A to Point B. Unburden yourself from an auto loan you can't afford and insurance premiums that bust your budget. Downsize to the safest, most fuel-efficient pre-owned model you can afford. (See also: <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car?ref=seealso" target="_blank">3 Reasons Why You Should Never Buy a New Car</a>)</p> <h2>2. Wardrobe</h2> <p>My sister-in-law once had so many clothes that she purchased three commercial clothes racks and expanded her closet into the basement. If your wardrobe is gobbling up more square footage every year, it might be time to downsize.</p> <p>Consider donating items you no longer wear to charities like Dress for Success, Career Gear, or a local community outreach center. You could also sell your clothing, shoes, and accessories to an online consignment shop and make a little extra cash. (See also: <a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes?ref=seealso" target="_blank">How I Make $800 on Month on eBay Selling Used Clothes</a>)</p> <h2>3. Cable and cellphone plans</h2> <p>Once we've signed up for cellphone plans and cable packages, we seldom give them a critical review. That inattention means we could be missing out on cheaper options that better match our lifestyle, or special offers that provide the same level of service for less money. Take 30 minutes to see if you can downsize your cable and cellphone plans &mdash; and the costs that go with them. (See also: <a href="http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill?ref=seealso" target="_blank">5 Painless Ways to Lower Your Cell Phone Bill</a>)</p> <h2>4. Subscription services</h2> <p>From gourmet cheeses to beauty supplies, subscription services deliver the world to our doorstep. But all that convenience comes at a price.</p> <p>Take a hard look at your bank statement and your spending habits. Are multiple subscription services nickel-and-diming your budget to death? Is most of that gourmet cheese growing fuzz the fridge? If the answer is &quot;yes,&quot; switch to a less expensive subscription package or cancel altogether.</p> <h2>5. Spending</h2> <p>Forget about the idea of cutting corners for a month or two. When you downsize your spending, you're finding permanent ways to minimize your expenditures. It's a mental and behavioral shift that's the first step in living more frugally. Explore ways to reduce your monthly spending by 10 percent, and then use that money to pay down debt or boost your retirement savings. (See also: <a href="http://www.wisebread.com/boost-your-savings-with-this-easy-budgeting-system?ref=seealso" target="_blank">Boost Your Savings With This Easy Budgeting System</a>)</p> <h2>6. Debt</h2> <p>Once you've downsized your spending, attack the three-headed monster it created &mdash; <em>debt</em>. While it makes perfect sense to pay off debt with the highest interest rates first, many people find more success using the <a href="http://www.wisebread.com/6-secrets-to-mastering-the-debt-snowball?ref=internal" target="_blank">debt snowball method</a>. In this approach, you pay off your smallest debt first (regardless of the interest rate), which gives you a motivational boost to stick with your downsizing plan until everything is paid off.</p> <h2>7. Schedule and commitments</h2> <p>A dear friend of mine recently started a new job with a college on the East Coast. In addition to this full-time administrative role, he's teaching two classes and interviewing students for a grant program. I love him to death, but saying &quot;no&quot; is not his strong suit.</p> <p>Sound like you? Remember, your <em>time </em>is a rare resource. If you're constantly moving and always stressed, downsize your schedule. Life is short; carve out some time to simply <em>be</em>. (See also: <a href="http://www.wisebread.com/8-reasons-time-is-worth-more-than-money?ref=seealso" target="_blank">8 Reasons Time Is Worth More Than Money</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%2F7-things-you-can-downsize-right-now&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Things%2520You%2520Can%2520Downsize%2520Right%2520Now.jpg&amp;description=7%20Things%20You%20Can%20Downsize%20Right%20Now"></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/u5180/7%20Things%20You%20Can%20Downsize%20Right%20Now.jpg" alt="7 Things You Can Downsize Right Now" 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/7-things-you-can-downsize-right-now">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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-holding-onto-too-much-stuff-is-a-burden-for-your-loved-ones">Why Holding Onto Too Much Stuff Is a Burden for Your Loved Ones</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-smart-ways-to-keep-your-entire-life-clutter-free">10 Smart Ways to Keep Your Entire Life Clutter-Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-things-in-your-kitchen-you-should-throw-out-today">15 Things in Your Kitchen You Should Throw Out Today</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-clear-out-financial-clutter">How to Clear Out Financial Clutter</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-only-5-words-you-need-to-declutter-your-life">The Only 5 Words You Need to Declutter Your Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Organization cleaning tips clutter declutter downsize how to downsize minimalist lifestyle organizational tips Wed, 14 Mar 2018 10:01:05 +0000 Kentin Waits 2116978 at http://www.wisebread.com How to Manage Two Jobs (Without Burning Out) http://www.wisebread.com/how-to-manage-two-jobs-without-burning-out <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-manage-two-jobs-without-burning-out" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/the_many_crumpled_papers_on_desk.jpg" alt="The many crumpled papers on desk" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many households these days have two incomes. The thing is, it's not uncommon for those two income streams to come from the same person.</p> <p>If you're in that boat &mdash; working two jobs that eat up most (or all) of your time &mdash; you could be headed for burnout. When that happens, your risk your health, your mental wellbeing, and losing the money those jobs provide. Here are some tips to bring back some balance and stability to your hectic schedule.</p> <h2>You must make time for yourself</h2> <p>Just as it's important to put away a little money each month for your savings, it's equally important to tuck away some personal time as well. You may be thinking that there aren't enough hours in the day, but all work and no play is a recipe for serious burnout. When that happens, you could lose one or both of those jobs you depend on.</p> <p>Even if you just take your lunch outside and eat it in the sunshine, away from the hustle and bustle, that small act of getting a breather can really cheer you up. Ideally, you should set aside time away from both jobs so that you can destress naturally. See a movie, hang out with friends for a few hours, take a hike, ride a bike, soak in the tub, or take up a fun hobby. If you don't make some time to yourself, you are going to suffer. (See also: <a href="http://www.wisebread.com/4-signs-youre-burned-out-and-how-to-recover?ref=seealso" target="_blank">4 Signs You're Burned Out (and How to Recover)</a>)</p> <h2>Treat yourself when you can</h2> <p>If you are constantly working to pay bills and nothing else, you're living to work. That's no kind of existence. By working night and day on two or more jobs, but not seeing any of that hard work result in some kind of happiness, you'll resent it so much that you could have a breakdown.</p> <p>So, spend a little of that money on something that makes you genuinely happy. You don't have to run out and buy a Louis Vuitton watch or a pair of Gucci shoes. Something small and inexpensive, but wonderful for you and your state of mind, is all that you need. Maybe it's a massage or a manicure. It could be a treat from the local candy store, or a special delicacy you enjoy. You put tremendous effort and sacrifice into earning a living &mdash; you deserve to enjoy those earnings once in a while. (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>Think positive</h2> <p>Easier said than done, right? After all, what's fun about working two jobs just to make ends meet? Having said that, this is the reality you're living with. You can either do two jobs feeling miserable and hating life, or approach it with a positive state of mind.</p> <p>One of the easiest ways to do this is to keep a daily list of the good things that happened to you that day. Even if it's as simple as, &quot;Today I paid all my bills and did not get charged a late fee,&quot; it's something that lifts you up. Are you healthy? Is your family happy and doing well? Are you doing a job that is way better than other ones out there? Remember, many people are paid awful wages and cannot afford some of life's basics. In comparison, are you thriving? Find the good and write it down.</p> <h2>Release the pressure</h2> <p>Just like a pressure cooker, if you don't let off steam, you could blow. Now, how you do that will depend on what motivates you. Some people release all that pressure by working out, which is very beneficial to your health. Others party hard every Friday night. You could even take up boxing, or buy a punching bag and beat the living daylights out of it. Scream into a pillow if you have to, or find a friend to help you share your problems.</p> <p>You could also think about seeing a therapist if you can afford it. Many insurance plans offer mental health copays as low as $20. Talking it out with an objective third party can be a great way to cope with the two job burden. (See also: <a href="http://www.wisebread.com/10-tricks-to-avoid-workout-burnout?ref=seealso" target="_blank">10 Tricks to Avoid Workout Burnout</a>)</p> <h2>Do whatever you can to make the jobs enjoyable</h2> <p>Again, this is not always easy. Some jobs really are awful, and that is difficult to ignore on the best of days. But if you can find ways to make either job even a little more tolerable, you'll find it easier to juggle them both.</p> <p>Can you play fun games with colleagues while you're working? For example, many copywriters in ad agencies will take bets on who can put the most ridiculous word or phrase into a piece of copy that actually gets approved. Are there challenges you can set yourself? Records you can break? Tasks that, with a slight tweak, can be made interesting, or even fun? Your job, or jobs, may suck, but a slight paradigm shift could make them much easier to tolerate.</p> <h2>Finally, keep your house in order</h2> <p>It sucks to think about housework and chores when you're busy, but it's even worse to come home to a messy house with a sink full of dishes and piles of laundry everywhere. Working two jobs gives you even less time to spend cleaning and tidying, which is a little ironic as a tidy home is essential when you're always working.</p> <p>Make a schedule and stick to it. Create a task list in order of importance and focus on that. Do tidying &quot;as you go,&quot; such as washing kitchen utensils as you're making the meal. If you live with other people, get everyone in the habit of cleaning their own plate, and get everyone to do their share. Kids are not helpless; they can certainly be helping clean up long before they are 10 years old. You can reward them with time in front of the TV, computer, or video game system if you have one. By keeping a clean house, you can actually come home and relax after a very busy and stressful day.</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%2Fhow-to-manage-two-jobs-without-burning-out&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Manage%2520Two%2520Jobs%2520%2528Without%2520Burning%2520Out%2529.jpg&amp;description=How%20to%20Manage%20Two%20Jobs%20(Without%20Burning%20Out)"></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/How%20to%20Manage%20Two%20Jobs%20%28Without%20Burning%20Out%29.jpg" alt="How to Manage Two Jobs (Without Burning Out)" 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/how-to-manage-two-jobs-without-burning-out">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/9-signs-your-work-life-balance-is-off">9 Signs Your Work-Life Balance Is Off</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/here-s-why-you-shouldn-t-work-in-your-downtime">Here’s Why You Shouldn’t Work in Your Downtime</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</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/long-hours-and-other-employer-demands">Long Hours and Other Employer Demands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle burnout employment exhaustion overworked self care stress time management two jobs Wed, 14 Mar 2018 09:31:18 +0000 Paul Michael 2114570 at http://www.wisebread.com