Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US The 5 Best Underwater Watches http://www.wisebread.com/the-5-best-underwater-watches <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-underwater-watches" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/swimmer_underwater_watch_000016225142.jpg" alt="Woman using best underwater watch during swim" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the best feelings in the world is taking a trip to the beach and throwing yourself into the water. One of the worst feelings in the world is realizing you forgot to take off your watch before you did. Whether you&rsquo;re looking for something to keep track of your time in the pool or time yourself on laps for training, a watch that can still be used after being underwater is a great thing for any aquaphile to have on hand (literally)!</p> <h2>What Is an Underwater Watch?</h2> <p>An underwater watch does just what its name promises: it can survive being underwater without shorting out, giving you the time in the middle of the ocean, or giving you one less thing to have to worry about taking off before jumping into the pool. Many watches of this variety are geared towards swimmers and other aquatic athletes, so they come with features fit for fitness like timers and clear visibility in water. Some watches are also equipped with extra durability so they can be used at exceedingly deep points in the ocean or lakes, making them &quot;diving watches.&quot; It is important to note that just because a watch is made for underwater use does not automatically mean it can be used as a diving watch, and if this is an essential feature to you, make sure the piece you are buying can handle the depths you plan on traversing.</p> <h2>Top 5 Underwater Watches</h2> <h3>Casio Men&rsquo;s AE1000W-1B</h3> <p><a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Casio%20Mens%20AE1000W-1B.jpg" width="174" height="250" align="right" alt="" /></a>Coming with a one-year warranty from Casio, the <a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL">Casio Men&rsquo;s AE1000W-1B</a> is a stylish and effective waterproof watch. It comes with a 10-year battery and can be used up to 330ft, or 100m. This depth means this watch is a great option for anyone who wants to go swimming or snorkeling, but not diving. With multiple alarms, analog and digital formats, and a world time zone display, this watch is just as suited to be in the water as out of it. Its fashionable design means you can easily match it with suits or other attire as well as your swimming gear.</p> <p>As one of the best selling watches on Amazon, it&rsquo;s clear that the Casio Men&rsquo;s AE1000W-1B is a great purchase for those who want a watch appropriate for all occasions, especially swimming.</p> <p><em><a href="http://www.amazon.com/gp/product/B003DZDYMU/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003DZDYMU&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=FIZQ7BYIUBG5AHYL">Currently $16.54 on Amazon</a></em></p> <h3>Garmin Swim Watch With Garmin Connect</h3> <p><a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Garmin%20Swim%20Watch%20with%20Garmin%20Connect.jpg" width="208" height="250" align="right" alt="" /></a>Garmin is a company known for making exceptional swimming watches perfect for your underwater needs, and the <a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC">Garmin Swim Watch with Garmin Connect</a> is no exception. This underwater watch option is definitely worth considering if you&rsquo;re looking for a watch for a more serious swimmer. The battery lasts about a year, but is easily replaceable by the user since it is a coin cell battery.</p> <p>Geared towards swimmers, the Garmin Swim Watch comes with GPS capabilities and can record your strokes, laps, and speed. It can act as a stopwatch to help you keep track of time even better when you&rsquo;re mid workout. At the end of the day, the Garmin Swim Watch with Garmin Connect can upload all of your results to the Garmin website to check your times and compare them.</p> <p><em><a href="http://www.amazon.com/gp/product/B008EFU5T4/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B008EFU5T4&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DZ7EJCW3MXCFH2HC">Currently $149.99 on Amazon</a></em></p> <h3>Pyle Waterproof Underwater Snorkeling &amp; Diving Multi-Function Water Sport Wrist Watch</h3> <p><a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Pyle%20Waterproof%20Underwater%20Snorkeling%20%26%20Diving%20Multi-Function%20Water%20Sport%20Wrist%20Watch.jpg" width="164" height="250" align="right" alt="" /></a>Another great swimming and diving watch with great style, the <a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ">Pyle Waterproof Underwater Multifunction Wrist Watch</a> does just what its name implies and fills multiple roles all at once.It comes in a variety of colors to match your personal style. If you&rsquo;re looking for an underwater watch that can also handle diving, this watch is worth looking into, since it has specific functions to handle diving in lakes or the ocean.</p> <p>In fact, if you forget to manually engage diving mode, this watch will automatically switch to it once you&rsquo;ve descended. Though some of the buttons are easy to accidentally press and coming up in the middle of a dive will reset the dive timer automatically (which can be a little annoying, according to some customers), the watch is overall a win for those who are looking to have a great looking dive watch that puts out great performance overall.</p> <p>The battery in this watch will have to be changed by an outside source, but that is a minor inconvenience if all the other features listed are exactly what you need to keep your swimming, snorkeling, diving, or daily living experiences timely and informative.</p> <p><em><a href="http://www.amazon.com/gp/product/B0068NYD1A/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0068NYD1A&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=DEVEF77NMYCWAZBZ">Currently $89.05 on Amazon</a></em></p> <h3>Freestyle Unisex 102240 Shark Fast Strap Retro &lsquo;80s Digital Watch</h3> <p><a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Freestyle%20Unisex%20102240%20Shark%20Fast%20Strap%20Retro%2080s%20Digital%20Watch.jpg" width="129" height="250" align="right" alt="" /></a>If you&rsquo;re looking for a watch with a cute color scheme, that you can take with you to the pool or even into the shower, the <a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR">Freestyle Unisex 102240 Shark Fast Strap</a> watch might be the one you&rsquo;re looking for. The strap is made from a durable canvas material for a more laid back look, and if you&rsquo;re not happy with the color, there are plenty of options available to match your everyday style or your bathing suit.</p> <p>This watch comes with many basic functions like a stopwatch, dual time, and night vision display. It is waterproof up to 50m, so not the most resilient watch on our list, but if you&rsquo;re not diving intensely this should suffice. The face is made with mineral crystals to keep it from scratching, and the face comes with a light so you can see the time in the dark.</p> <p><em><a href="http://www.amazon.com/gp/product/B00BK28FI6/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00BK28FI6&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=O7BY46SPLMYP4UAR">Currently $33.66 on Amazon</a></em></p> <h3>Swimovate PoolMate Watch</h3> <p><a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Swimovate%20PoolMate%20Watch.jpg" width="190" height="250" align="right" alt="" /></a>With a simple design that comes in three colors (black, pink, and blue) and essential features for any swimmer, the <a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S">Swimovate PoolMate Watch</a> is a great addition to the accessory collection of any serious swimmer. This watch has an accurate lap counter to help you keep track of up to 99 separate sets within a swimming session so you can see changes within the workout itself instead of just one lump sum of times at the end.</p> <p>On top of your laps, the watch will also count your calories burned, your speed, your average stroke time, and distance. This is all thanks to very sensitive motion sensors in the watch that read the movements in your arm with almost 100% accuracy. Since it is only waterproof up to 50m, it is not a diving watch, but is still meant to be used underwater since the buttons and functions still work when submerged.</p> <p>When you&rsquo;re not getting in your water workout, the Swimovate PoolMate Watch still fits with any day-to-day outfit with its unassuming design and comes with basic watch features like alarm clock and even a chrono mode for other sports, giving you a great product in and out of the pool.</p> <p><em><a href="http://www.amazon.com/gp/product/B0031IHMFY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0031IHMFY&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=TMSJUMDIEO64VC5S">Currently $90.87 on Amazon</a></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-underwater-watches">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-road-bikes">The 5 Best Road Bikes</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/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/gift-giving-hacks-that-will-save-your-money-and-your-sanity">Gift Giving Hacks That Will Save Your Money and Your Sanity</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-dumbest-big-purchases-people-make">The 7 Dumbest Big Purchases People 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/what-to-buy-and-avoid-buying-in-april">What to Buy (and Avoid Buying) in April</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping fitness product reviews shopping underwater watches watches Wed, 13 May 2015 09:00:09 +0000 Janae Spinato 1405251 at http://www.wisebread.com Best Money Tips: Make Money With a Fitness Tracker http://www.wisebread.com/best-money-tips-make-money-with-a-fitness-tracker <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-make-money-with-a-fitness-tracker" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fitness_tracker_000044739080.jpg" alt="Woman using fitness tracker to make extra money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to earn money with your fitness tracker, saving time in the kitchen by being lazy, and what you need to know if you're selling your house.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0423/Fitbit-profit-Seven-ways-to-earn-money-with-your-fitness-tracker">Fitbit profit? Seven ways to earn money with your fitness tracker.</a> &mdash; Many websites and apps will sync up with your fitness tracker and give you points for your healthy habits. Cash in those points for gift cards and other rewards! [The Monitor]</p> <p><a href="http://couponpal.com/blog/3-ways-to-save-time-in-the-kitchen-by-being-lazy">3 Ways to Save Time in the Kitchen By Being Lazy</a> &mdash; Go ahead and let your dishes pile up. Let them soak in soapy water, then do your dishes all at once when there's a big enough batch. [CouponPal]</p> <p><a href="http://www.aspiringmillionaire.com/2015/04/looking-to-sell-your-house-here-are-5.html">Looking to Sell Your House? Here Are 5 Things You Need to Know</a> &mdash; You'll have a hard time selling your house if potential buyers can't find it. Make sure directions are clear and you have eye-catching signage in front of the property. [Aspiring Millionaire]</p> <p><a href="http://www.popsugar.com/smart-living/Habits-Break-Your-30s-35080774">33 Things to Quit Doing When You Hit Your 30s</a> &mdash; By your 30s, it's time to stop talking about your drunken nights on social media. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-etsy-shops-for-the-perfect-mothers-day-gift">6 Etsy Shops for the Perfect Mother's Day Gift</a> &mdash; Check out these Etsy shops for fun and cute jewelry, accessories, artwork, and more! [Parenting Squad]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.kiplinger.com/slideshow/taxes/T055-S003-valuable-things-you-can-learn-from-your-tax-return/index.html">7 Valuable Things You Can Learn From Your Tax Return</a> &mdash; Having a Health Savings Account can increase your medical deductions. [Kiplinger]</p> <p><a href="http://www.bargaineering.com/articles/wealth-building-secrets-richest-neighbors.html">Wealth building choices of your richest neighbors</a> &mdash; There's no secret to building wealth &mdash; it just takes a few smart money choices. [Bargaineering]</p> <p><a href="http://www.thousandaire.com/3-decisions-that-may-hurt-your-diversification-efforts/">3 Decisions that may Hurt your Diversification Efforts</a> &mdash; Using a global fund to fill an international allocation may not be as diverse as you expected. Some global funds actually invest up to half of their assets in US securities. [Thousandaire]</p> <p><a href="http://www.listenmoneymatters.com/stuff-you-can-rent-rather-than-buy/">Stuff You Can Rent Rather Than Buy</a> &mdash; Besides clothing and tools, there are a number of other items that you can rent &mdash; a few on this list will definitely surprise you! [Listen Money Matters]</p> <p><a href="http://blog.readyforzero.com/heres-personal-loan-bad-credit/">Here&rsquo;s How to Get a Personal Loan with Bad Credit</a> &mdash; It's possible to get a personal loan even if you have bad credit. However, you'll need to take a few steps to ensure the lender is legit. [ReadyForZero]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-make-money-with-a-fitness-tracker">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-sell-your-crap-a-book-review-and-tips">How to Sell Your Crap: A Book Review and Tips</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-hobby-pay-its-way">Make Your Hobby Pay Its Way</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/after-your-wedding-say-yes-to-selling-the-dress">After Your Wedding, Say Yes to Selling the Dress</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Lifestyle best money tips fitness tracker Tue, 28 Apr 2015 19:00:32 +0000 Amy Lu 1404917 at http://www.wisebread.com The 5 Best Road Bikes http://www.wisebread.com/the-5-best-road-bikes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-road-bikes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_bike_city_000023347045.jpg" alt="Man riding best road bike through town" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for a great way to explore the roads in your area without having to find a walking buddy? Looking into a sturdy, affordable road bike is what you need to get into the groove of riding to see some great scenery, to get in shape, or to start training for a competition. Just because you don&rsquo;t cycle in the Tour de France doesn&rsquo;t mean you don&rsquo;t deserve a great road bike for your own personal enjoyment.</p> <p>Whether you are a competitor or looking to get some great exercise, cycling is a great way to get your heart pumping while getting to explore the local road paths around your neighborhood.</p> <h2>What is a Road Bike?</h2> <p>Just like their name implies, road bikes are bikes built specifically to be used on paved surfaces like roads as opposed to rougher, more erratic terrain. Their tires are thinner than other kinds of bikes, and have very little tread. The construction of these bikes is much lighter than that of others, and they are usually built with derailleur gears, though variations like single speeds also exist.</p> <p>A road bike&rsquo;s handles are wider, perfect for use over longer periods of time while other bikes are not optimized for this kind of comfort. The wider handles can make it a little harder to control this kind of bike, but a road bike&rsquo;s build is unmatched in pavement riding ease and enjoyment. If the roads around your neighborhood are littered with potholes or are notoriously unsmooth, a mountain bike, which is built for more unforgiving terrain might be a better investment. Even so, a good road bike can handle a little bit of gravel or packed dirt, but don&rsquo;t expect the same amount of smoothness or comfort that comes from riding on the pavement.</p> <h2>Top 5 Road Bikes</h2> <h3>Trek Madone 6 Series</h3> <p><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trek%20Madone%206%20Series.jpg" width="250" height="150" align="right" alt="" /></a>The <a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Trek Madone 6 Series</a> is considered the best road bike overall by consumersearch.com, if you are looking to get into hardcore cycling and want a good time-trial bike to get started. A complete redesign from preceding Madone models, the 6 series has been made lighter and more aerodynamically fit with this iteration. This bike took second place for Bike of the Year in 2013 according to Road.cc, and with the improvements made to the Madone design, it&rsquo;s not surprising. The KVF tube shapes create a special condition where the air traveling around the bike treats it as though it is a much deeper shape, making the bike much faster than ever before.</p> <p>One of the major points of enjoyment for this bike is actually the comfort when using the seat. Bikes of this performance level can be uncomfortable, but the Trek Madone series has found a fabulous blend of comfort, performance, and durability. The frame itself is made of optimum compaction low void carbon, making it super stiff but not as heavy. This rigidity is essential in frame longevity and resilience to twisting.</p> <p><em><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Currently $2,499.99 on Trek Bicycle Superstore</a></em></p> <h3>Critical Cycles Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Critical%20Cycles%20Single%20Speed%20Road%20Bike.jpg" width="250" height="200" align="right" alt="" /></a>Considered the best single speed road bike on consumersearch.com, the <a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Critical Cycles Single Speed Road Bike</a> is a good fit if you live in a not too hilly area and want a road bike for a good price. One of the things customers really appreciate about Critical Cycles Single Speed Road Bike is that it comes with many customizable options like color and various upgrades to make your bike the perfect fit for your needs. The frame is made of steel and the bike itself can be fast on the handling. With two modes activated by the flip-flop hub, riders can switch between fixed-gear mode to cruising when switching to single speed mode. The BMX style handlebars make this a great bike for anyone looking to do or learn tricks with this bike.</p> <p>Be aware that the Critical Cycles Single Speed only has one set of brakes in the back, which, according to some users, might wear out more quickly than expected. Its gears are a ratio of 48:16 (petal crank cog to rear crank), making the bike ride smoothly on your average road but struggle once things take a turn for the hilly. If you&rsquo;re still interested in this bike but know your area isn&rsquo;t the most flat, changing the chainring is a suggested course of action.</p> <p><em><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Currently on Amazon for as low as $195.15</a></em></p> <h3>Takara Kabuto Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Takara%20Kabuto%20Single%20Speed.jpg" width="250" height="212" align="right" alt="" /></a>An Amazon best seller, the <a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Takara Kabuto Single Speed Road Bike</a> is another great option for people who want to get into road biking without breaking the bank on their first purchase. In particular, this bike is advertised as a good commuting bike, with a steel frame and horizontal dropouts that can make riding through the big city a breeze. This does make the Kabuto heavier (at about 30 pounds), but it still rides extremely smoothly. The tires it comes with are larger than average which add to the comfort factor in this bike since they are great for riding over city obstacles like potholes. A major advantage of this bike is its flip-flop hub which allows you to go in between single and fixed gears, giving you the opportunity to cruise if you&rsquo;d like.</p> <p><em><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Currently as low as $179.99 on Amazon</a></em></p> <h3>Cannondale CAAD8 7 Sora</h3> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Cannondale%20CAAD8%207%20Sora.jpg" width="250" height="164" align="right" alt="" /></a>The Cannondale brand has its roots in making bikes out of aluminium and the <a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora">CAAD88 7 Sora</a> is no different. Getting rave reviews of amazing balance, this bike is a proud addition to the Cannondale family of road bikes. It finds a healthy medium between the comfort road bikes of this variety like to offer the newer users that inevitably purchase it and the intensity of more expensive, serious competitor road bikes on the market.</p> <p>This bike also seems to perform well on some dirt road conditions as well, making it a great bike if you know there&rsquo;ll be a rough patch on your route here and there. The frame is made of aluminium, making it exceptionally stable while retaining a light weight. The headtube on the bike is higher than some other models, meaning you might find the handlebars to be low when riding the CAAD8 7 Sora, but now low enough that it causes discomfort or distracts from its great handling. If you live in a more hill-heavy area, the Cannondale CAAD8 7 Sora come with 34/26 low gear, meaning getting uphill won&rsquo;t be as strenuous an uptaking as it would with other models.</p> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><em>Currently listed at $980 on cannondale.com.</em></a><em> To purchase, find a dealer near you on the site listed below</em></p> <h3>Fuji Transonic 2.7</h3> <p><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Fuji%20Transonic%202.7.jpg" width="250" height="167" align="right" alt="" /></a>There is no questions that the <a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Fuji Transonic 2.7</a> is a high performance road bike. If you&rsquo;re looking to take a step into serious cycling, this might be the perfect bike to get you there. The focus when creating this bike was clearly speed, so if you&rsquo;re looking to go fast you&rsquo;re in the right place. Carbon-fiber is what the frame consists of, a material known to be more durable and effective than the aluminium used in frames of lower-end road bikes.</p> <p>The bike is exceptionally smooth, making it great for speed, making it a great competitor especially when faced with crosswinds. The full Oval Concepts cockpit and wheels are a specifically Fuji design, ensuring the exceptional performance standard found in the Fuji Transonic family up to this point. The downtube sections are larger than you&rsquo;ll find on a usual aero bike, but their shape has not been compromised to maintain speed expectations. Brakes on the Fuji Transonic are very well hidden but very effective. At 18 pounds this bike is light and is ready to give you some of the best speed performance on the market for the price.</p> <p><em><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Currently $1799.99 on performancebike.com</a></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-road-bikes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-can-do-to-reduce-your-risk-of-diabetes">10 Things You Can Do to Reduce Your Risk of Diabetes</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-underwater-watches">The 5 Best Underwater Watches</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-turn-your-walk-into-a-real-workout">5 Ways to Turn Your Walk Into a Real Workout</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle bikes fitness product reviews road bikes Wed, 22 Apr 2015 09:00:09 +0000 Janae Spinato 1378291 at http://www.wisebread.com Invest Your Time in These 13 Things While You're in Your 20s http://www.wisebread.com/invest-your-time-in-these-13-things-while-youre-in-your-20s <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/invest-your-time-in-these-13-things-while-youre-in-your-20s" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/asian_student_000017738107.jpg" alt="Asian student studying" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Our 20s fly by before we know it, and we want to make sure we did the decade justice. Did we worry about the right things? Are we where we should be now? The best way to prepare for those questions and answer them to the best of our abilities, is to make sure we spend time on what really matters and what may help us in the future. We took a look at a <a href="http://www.quora.com/How-should-a-24-year-old-invest-time-1">Quora thread</a> that had great advice for people in their 20s who may be wondering what some of the important things to invest time in may be, and here is what we found.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Things-Happy-People-Do-34870691">15 Things Incredibly Happy People Do</a></p> <h2>1. Network</h2> <p>If you form a solid mainstay of people, you are exposed to more opportunities and potential for success in both your career and in your personal life. Build bridges, because you never know when you might be looking to cross them. As <a href="http://www.quora.com/Karan-Jaiswani">Karan Jaiswani</a> put it, &quot;the 20s are all about utilizing your today and structuring your future.&quot;</p> <h2>2. Read &mdash; A Lot</h2> <p>There is nothing more productive than taking the time to read. Read whatever you can get your hands on &mdash; current news, nonfiction, fiction, career advice, self-help books &mdash; anything! The more you know and understand about people around you, yourself and the world, the more easily and successfully you can navigate those very things.</p> <p>&quot;This will keep your mind stimulated and open to ideas. You will get a number of ideas for each author that you can implement in your life. You will also get opinions from across the globe,&quot; <a href="http://www.quora.com/Rizwan-Aseem">Rizwan Aseem</a> says.</p> <h2>3. Take Care of Your Body</h2> <p>Making time at night to wash your face, exercise, and remembering to apply (and reapply) sunscreen may not be on the top of your priority list, but it should be. General health care is something that, later in life, you will be glad you considered in your 20s. As <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> points out, &quot;No matter what you do in your life, you will do it in your body. You cannot replace it, get a new one, or trade it in. This is your body and you will live in it.&quot;</p> <h2>4. Use Your Time and Money on Education</h2> <p>Education is an invaluable resource that you are unlikely to ever regret having. Money is well spent when it is used to broaden your mind and pool of knowledge, especially when honing skills to be applied to your career path. <a href="http://www.quora.com/Anuj-Kumar-1">Anuj Kumar</a> advises you to &quot;try different things and find out where your passion lies&hellip; and then find ways to make a career doing that, adding that &quot;if you need further education, get it.&quot;</p> <h2>5. Pay Attention to Your Mental Health and Wellbeing</h2> <p>While your physical health is extremely important, investing time into taking care of your mind should not be forgotten. Stimulate it, challenge it, be conscious of what you're exposing it to daily, and take care of yourself. <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> makes the point that, &quot;The mind, like anything else, has the characteristics of a muscle. You use it, or lose it. And as long as you are using it, it will remain fit and healthy. The minutes you stop using it, it will decay and rust.&quot; So use it!</p> <h2>6. Learn New Skills (and Master Them)</h2> <p>While the advice to &quot;follow your passion&quot; can be good in the general sense, <a href="http://www.quora.com/John-J-Bowman-Jr">John. J. Bowman</a> urges those in their 20s to master and control a set of skills that can be used to benefit you within the field you are passionate about.</p> <h2>7. Create and Maintain Good Habits</h2> <p>The hardest part of creating good habits is getting started, but once you are able to master them, they will have an undeniably positive impact on your day-to-day as well as your future, because, as <a href="http://www.quora.com/Rizwan-Aseem">Rizwan</a> notes, &quot;once a habit is established it lasts for a life time.&quot;</p> <h2>8. Build Meaningful Relationships</h2> <p>Now is the time to drop the fair-weather friends and make time only for those who are really going to stick around and be positive forces in your life. As you mature, so should your relationships, so you don't have time to waste on people who will be harmful rather than helpful in your pursuit of your future goals.</p> <h2>9. Eat Well</h2> <p>Spend time planning meals, learning healthy recipes, and overall taking what you're eating into consideration regularly. Gone are the days when donuts, chips, and sodas can pass as a full day's meal. Even it if takes a little more time and effort, your future self will thank you when you find yourself maintaining your energy and healthy body as you age.</p> <h2>10. Establish a System for Handling Finances</h2> <p>Sit down and figure out how you are spending money, what you are spending it on, and what your ongoing expenses are. &quot;If you take care of your finances starting today they will take care of you when you most need them. When you are old, or sick, or sending your kids to school, or helping a parent through sickness. Your finances will help you,&quot; <a href="http://www.quora.com/Rizwan-Aseem">Aseem</a> says. Big pitfalls to avoid: bad business opportunities (if it seems to good to be true &mdash; it is), overuse of credit cards, and choosing not to save or put money aside for a rainy day.</p> <h2>11. Travel</h2> <p>In your 20s, you're full of enthusiasm and energy and usually have the mobility to indulge a bit of wanderlust. So indulge it. Experience new cultures, countries, and challenges. You will learn things that you can take with you and apply to your life back at home.</p> <h2>12. Communicate With Loved Ones</h2> <p>Make an effort to remember birthdays, holidays, and important events. Your family and close friends can act as your support system when you need it, but you should put the time in and return the favor. Small gestures that show you are thinking about the people who love you go a long way, so take the extra five minutes to write a nice card and stick it in the mail, or schedule that quick Skype call &mdash; you won't regret it.</p> <h2>13. Examine What You Really Want in Life</h2> <p>It's easy to get caught up in the everything going on throughout your 20s, and people often forget to actually sit down and contemplate what it is they really want. <a href="http://www.quora.com/Tonya-Turpin">Tonya Turpin</a>&nbsp;advised that you &quot;actively, and with intent, become aware of the world and everything it holds. Not just about the outside world, but also the one in your head. Spend time alone because it is the only true way to get to know yourself. Be curious and question everything.&quot; Make the time to figure out what you love, and map out a plan of how to get it.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> When we&#039;re in our 20s we feel possibility ahead of us as nearly infinite. Grasp it by laying the foundation of your future when you&#039;re young, smart, and full of health. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a style="border:none;" href="http://www.savvysugar.com"><img style="height:95px; width:300px" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" alt="" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Uses-Old-Books-23418154#photo-23418154">21 Uses For Old Books</a></li> <li><a href="http://www.popsugar.com/smart-living/Inspirational-Quotes-36634903#photo-36634903">46 Quotes From Reddit That Will Change Your Life For the Better</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Shorten-Cleaning-Time-22498197">The Lazy Girl's Guide to a Clean Home</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/invest-your-time-in-these-13-things-while-youre-in-your-20s">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-that-thing-really-change-your-life">Will That Thing Really Change Your Life?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-ways-you-are-causing-road-rage">16 Ways You Are Causing Road Rage</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sock-it-to-me-15-uses-for-old-socks">Sock It to Me: 15 Uses for Old Socks</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/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Lifestyle Personal Development 20s career retirement planning Fri, 27 Mar 2015 09:00:07 +0000 POPSUGAR Smart Living 1302679 at http://www.wisebread.com 10 Investing Lessons You Must Teach Your Kids http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-investing-lessons-you-must-teach-your-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_son_money_000014942268.jpg" alt="Mother talking to her son about investments" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Roughly 68% of Americans feel that <a href="https://www.wellsfargo.com/about/press/2014/middle-class-retirement-saving_1022/">saving for retirement</a> is harder than they anticipated. Some 25% of all middle-class Americans &quot;get depressed&quot; when even thinking about it. And 40% of millennials have no idea how much <a href="https://www.wellsfargo.com/press/2014/20140610_millennials">money to save</a>. The most frightening statistic: 21% of Americans think that <a href="http://www.consumerfed.org/pdfs/Financial_Planners_Study011006.pdf">winning the lottery</a> is the most practical way for them to fund their retirement.</p> <p>I discussed these problems and the financial behavior of investors with Rob Pivnick, a financial literacy advocate and author of &quot;<a href="http://www.amazon.com/gp/product/B00NDHXOH8/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00NDHXOH8&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5MOTCBD3L7AR5A2F">What All Kids (and Adults Too) Should Know About...Saving &amp; Investing</a>.&quot; His message is that parents should teach their children the right habits as early as possible, so they don't become one of these statistics. And it doesn't have to be difficult. Here are 10 easy ways to teach your children about smart investing.</p> <h2>1. Start Them Off Early</h2> <p>Starting to save as early as possible is the easiest way to let your money work for you. In fact, this is probably the number one thing you can teach your children about money.</p> <p>Consider this example from Rob's book comparing two savers: One starts saving when he is 20 years old, while the other waits until she is 30 years old. Each one saves $100 per month until they are 60 years old, and they both get the same 8.5% return. The early saver will have $406,825. The saver who waited ten years will only accumulate $166,339. That 10 year difference results in over $240,000 more growth! But the difference in the amount contributed was only $12,000 &mdash; compound interest made up all the rest. So, encourage your children to start investing now.</p> <h2>2. Don't Try to Beat the Market</h2> <p>Your kids should want to be average &mdash; at least when it comes to investing. It is better to embrace the market than try to beat the market. It isn't very often in life that you won't tell your children to try to be the best, but when it comes to investing, teach them to be average. Passive management, or indexing, is an investment approach that tries to match the performance of the market as closely as possible rather than try to beat it.</p> <p>Over the long term, it is impossible to consistently beat the market without taking on additional risk. Over just about any historical five year period, passive index funds beat actively managed funds. Over the last five years, for example, only 20% to 35% of <a href="http://www.spindices.com/documents/spiva/spiva-us-mid-year-2014.pdf">actively managed funds</a> beat the benchmark for their category. The professionals aren't smarter than the market. And neither are you (or your kids). It's a humbling fact, but still a fact nonetheless. (See also: <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett?ref=seealso">5 Investors With Better Returns Than Warren Buffett</a>)</p> <h2>3. Minimize Expenses: Invest in Low-Cost Index Funds</h2> <p>Actively managed funds have an average expense ratio of a full percentage point higher than passive funds. One percent may not sound like much, but over the long term it becomes much more significant. How does this translate into lost dollars? Well, from another example in Rob's book, if you invested $100,000 over 30 years at an average yearly growth of 8.5%, paying for those higher fees would cost you approximately $280,000. (See also: <a href="http://www.wisebread.com/3-steps-to-getting-started-in-the-stock-market-with-index-funds?ref=seealso">3 Steps to Getting Started With Index Funds</a>)</p> <p>Everyone should know that past performance is no indication of future returns. But does everyone know that the most accurate predictor of future returns is low fees? When looking at factors like past performance, fees, and Morningstar ratings, expense ratios are the only reliable predictor of future performance.</p> <h2>4. Think Long Term: Buy and Hold Is the Best Strategy</h2> <p>The average <a href="http://www.dalbar.com/ProductsampServices/AdvisorsSolutions/QAIB/tabid/214/Default.aspx">investor's annual return</a> is around 4%. That's compared to the historical average market return of 8.5%. Why? Because we tend to invest emotionally &mdash; which causes us to buy high, and sell low (instead of the opposite).</p> <p>Emotional investing is a losing strategy. Don't fall into this trap &mdash; teach your children to stick to their long term plan and ignore the daily market swings.</p> <h2>5. Don't Put All Your Eggs in One Basket</h2> <p>An important part of smart investing is diversifying. While diversification alone won't increase returns, it allows investors to reduce their risk. Diversification limits losses without sacrificing gains. It's the only way to do that. It's the &quot;free lunch&quot; of investing.</p> <p>By spreading investments over a variety of sectors and assets, the risk that any specific investment will fail is partially canceled by the other investments, thereby lowering the overall risk. Teach your adolescent children to diversify among asset classes, and furthermore, to diversify within each type of asset (such as different sectors, geographical regions, market capitalization, industries, etc.). Pivnick's book devotes a very readable chapter to diversification and provides useful examples of how to make it work for you.</p> <h2>6. Involve Your Children in Investment Decisions</h2> <p>Parents know that children tend to model their behavior after them, so it should be unsurprising that children's saving and investing behavior also follows that of their parents. Any chance you have to involve your children in day-to-day discussions about money are learning opportunities. And they are habit forming. If your children see you making sound, reasoned decisions about spending, they will start to think the same way about their spending habits.</p> <h2>7. Have Kids Write Goals and Savings Charts</h2> <p>It shouldn't come as a surprise that those who write down their goals are a third more likely to reach them. Plus, this can serve as a teaching moment for budgeting.</p> <p>As soon as your children receive birthday money, are old enough to do chores, or begin earning allowance, start a savings chart outlining their budget. People who write down their savings goals save, on average, over two times more than those that don't write a goal down.</p> <h2>8. Practice Learning by Doing</h2> <p>Anything you can do that actually involves your children in &quot;money&quot; tasks is a teaching opportunity and can instill good spending habits. Here are a few examples Rob provided:</p> <ul> <li>Have them help you figure out the restaurant bill and tip.</li> <li>Take them to the bank with their piggy bank to deposit funds in a savings account.</li> <li>Encourage them to take the lead on a refund or return with customer service.</li> <li>Allow them to negotiate a discount on the purchase of goods and services.</li> </ul> <h2>9. Give Limited Control and Let Them Make Mistakes</h2> <p>Once they are old enough, young adults should be given limited access to their money or bank accounts. Limited, in the context of parents-get-final-say-and-approve-silly-purchases, but still providing enough room to allow them to make those silly purchases. It only takes one super wasteful purchase to teach a lesson.</p> <h2>10. Teach Rules of Thumbs and Takeaways</h2> <p>Studies have shown that <a href="https://www.moodys.com/microsites/miic2010/presentationfiles/Fischer.pdf">rule-of-thumb money rules</a> affect financial behavior more than a thorough lesson on the topic. So, the rules of thumb must be included in your discussions. Here are some examples.</p> <ul> <li>After a lesson on compounding, provide an actionable takeaway, such as &quot;start early.&quot;</li> <li>Show the power of diversification with a rule of thumb: &quot;A single stock is riskier than a stock mutual fund.&quot;</li> </ul> <p>In Pivnick's book, you can find a great list of 14 takeaways to share with your children. After all, as parents, you want your kids to succeed &mdash; so set them up for that success by following these tips.</p> <p><em>What are you doing to teach your children about smart investing?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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-tell-if-youre-on-track-for-retirement">How to Tell if You&#039;re on Track for Retirement</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-baby-bunting-but-dont-pay-full-price">Buy Baby Bunting... But don&#039;t pay full price!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-do-the-chinese-spend-money-on">What Do the Chinese Spend Money On?</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/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Investment Lifestyle allowance investment money smart raising kids savings Fri, 20 Mar 2015 13:00:11 +0000 Damian Davila 1349215 at http://www.wisebread.com 8 Ways Having Kids Makes You More Frugal http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-having-kids-makes-you-more-frugal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_family_000011085198.jpg" alt="Happy family at the park" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I was chatting with a childless friend over dinner about how I'd been <a href="http://www.wisebread.com/10-things-ive-learned-from-grocery-shopping-on-a-budget">feeding our family of five</a> on $80-$100 a week. The friend was flabbergasted.</p> <p>&quot;My shampoo alone would take up most of that budget!&quot; she said. (I hope she was exaggerating.)</p> <p>The fact is, all of us are as frugal as we have to be to get by, except for those of us who fail to stay out of debt. But having kids actually makes us more frugal because we <em>have to save more</em> of our income to pay for their present and future needs. But there are other important ways that being a mother of three drives me to spend less on all aspects of life.</p> <h2>1. We Are Practically Banned From Restaurants</h2> <p>I used to brunch with toddlers. We'd hold our kids tight while we waited in line, lest we lose them in the sea of waiting adults. We'd ply them with Cheerios while we waited for our food, try to prevent their eggs from hitting the floor, but inevitably, one of us would have to dart out to the sidewalk to avoid disturbing other patrons when a kid started crying.</p> <p>Add onto all this stress the fact that many fellow restaurant patrons don't want to see us there, no matter how hard we work to keep our kids from disturbing them. And the huge tip we'd feel obligated to leave to <a href="http://www.marketwatch.com/story/should-parents-tip-more-than-non-parents-2015-02-10">compensate for the mess</a> we left.</p> <p>Finally one Sunday morning, it hit me that this was not easier than making eggs at home. Nope, it was just more stressful and expensive. If I wasn't enjoying a relaxing treat, why pay to dine out? Now we dine out with our kids only rarely, and when we do, it's likely to be at the least expensive restaurants (because those are the most kid-friendly ones). And we're not alone: Non-parents are more than twice as likely as parents to <a href="http://qz.com/262645/people-without-kids-live-better-than-parents-on-all-fronts-except-one/">eat in upscale restaurants</a>, according to a recent survey.</p> <h2>2. We Would Just Fall Asleep at Bars</h2> <p>Hitting a bar or two with coworkers after work was a weekly ritual when my husband and I were childless professionals. I recently read a San Francisco bar review that noted the cocktails were &quot;only&quot; $10, and I realized that this habit, while fun, was probably one of the reasons my husband and I never had much left in the bank at the end of each pay period.</p> <p>Nowadays, getting a sitter is too much work, no one wants to see our babies at bars, and we can't stay up until the clubs open&nbsp;<span style="color: rgb(84, 84, 84); font-family: arial, sans-serif; font-size: small; line-height: 18.2000007629395px;">&mdash;</span><span style="font-size: 13px; line-height: 1.7em;">&nbsp;so we enjoy our wine or cocktails at home, where we never have to tip the server.</span></p> <h2>3. We Are Playing for Keepsies Now</h2> <p>When we were a childless couple, we once seriously underestimated how much tax to withhold from our paychecks, and when tax time came, we owed thousands. It was a momentary freak out, but it wasn't hard to pick up a few hours of overtime at work, and cut back on going out until it was paid.</p> <p>With three kids to provide for, we know that we don't have the budget flexibility for an &quot;oh, well&quot; moment. We can't easily put in more work time because we are busy with the kids, and we have less fat in our budget to trim in an emergency. So we were forced to be frugal enough to build an emergency fund.</p> <h2>4. We Have No Time to Shop</h2> <p>Ever hear about deeply indebted consumers who shop compulsively every day? That certainly wouldn't be me, even if I actually liked to shop. Between running Girl Scout meetings, cooking meals, school pick-ups, and ice skating lessons, I'm lucky if I can get to the grocery store, much less a clothing store. If it's true for my wardrobe, it's even more true for our house, which is full of outdated and scratched-up furniture &mdash; not just because we don't have the extra money for a Pottery Barn splurge, but because we would never have the time to select new furniture anyway.</p> <p>Besides, this way we don't feel bad when one of the kids scrapes the coffee table with a pair of scissors or bleeds all over the old rug.</p> <h2>5. Time is Now More Precious Than Money</h2> <p>Like many mothers, I cut way back on my work time when my children were born. This, above all things, is why I got into frugality: I was on the lookout for ways to not have to leave the kids in order to earn more money. And I'm not alone in this desire: A Pew study found that fully a third of American parents feel they're not spending enough <a href="http://www.pewsocialtrends.org/2013/03/14/modern-parenthood-roles-of-moms-and-dads-converge-as-they-balance-work-and-family/">time with their children</a>.</p> <h2>6. Baby Gear Introduces Us to the Second-Hand World</h2> <p>When having a baby (probably more than any other time in life), we suddenly need to acquire a lot of stuff we never owned before &mdash; and that we will use for only a short time. All the clothes, shoes, tricycles, and such, are usually only good for a year, or so.</p> <p>I might have stopped by a thrift store now and then before having kids, but that sudden need for baby stuff is what got me into visiting consignment events, cruising Craigslist, joining Freecycle, and actively seeking hand-me-downs from other families. Once you've tapped into the second-hand and sharing markets for kids' gear, it's only a short step to using the same resources to acquire things for yourself. My current bike &mdash; my main means of transportation since we <a href="http://www.carfreemom.com">don't own a car</a> &mdash; came to me via Freecycle.</p> <h2>7. Kids Are Expensive &mdash; Like, Maserati Expensive</h2> <p>It's not just the cost of <a href="http://journalistsresource.org/studies/economics/inequality/investing-children-changes-parental-spending-children#">feeding, clothing, and housing children</a>, or the worry about how we're not saving enough for college. It's sports. It's back-to-school shopping. It's pressure to throw the best birthday party. And the child care &mdash; oh God, the child care.</p> <p>Even if we try not to go crazy spending on all the above categories, raising kids is more expensive now than ever, and it forces us to be frugal in every other area of our lives.</p> <h2>8. What We Really Long to Do is Free</h2> <p>In a recent survey, parents were 29% more likely than the childless to report getting fewer than&nbsp;six hours of sleep a night. This might explain why after work, childless friends might be out riding their new road bikes or taking cooking classes, but if I have a free two hours, my activity of choice is sleep. Sweet, free sleep.</p> <p><em>How has having kids made you more frugal?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-important-lessons-frugal-parents-teach-their-children">7 Important Lessons Frugal Parents Teach Their Children</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surefire-ways-to-save-on-summer-camp-costs">Surefire Ways to Save on Summer Camp Costs</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/great-financial-gifts-for-children">Great Financial Gifts for Children</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/downsizing-with-kids">Downsizing With Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-a-good-workout-even-with-kids-around">10 Ways to Get a Good Workout... Even With Kids Around</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle children kids kids and money Thu, 12 Mar 2015 11:00:05 +0000 Carrie Kirby 1333602 at http://www.wisebread.com 11 Ways to Earn Extra Cash From Thrift Stores http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-earn-extra-cash-from-thrift-stores" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000049968860_Large.jpg" alt="woman taking photo store" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a single parent, I'm always looking for ways to save money. I've always loved thrift stores, and have found some great clothing, DVDs, books, collectibles, and pieces of furniture at my local shops. But things got really interesting six months ago when I came across an item that I didn't really want, but knew was valuable. It was a Coogi sweater; the kind worn by Bill Cosby in the 80s. Definitely not my style, but highly collectible and worth at least 10 times the $5.99 asking price. (See also: <a href="http://www.wisebread.com/5-things-you-can-resell-on-ebay-that-make-the-most-money?ref=seealso">5 Things You Can Sell on eBay That Make the Most Money</a>)</p> <p>I bought it, sold it on eBay, and since then I have turned my thrift store runs into a way of not just saving money &mdash; but making money. It's not a new concept. Many people make a good living from thrift stores, but I have a full time job and cannot dedicate all of my time to it. If you're selective, and follow these guidelines, I guarantee you will make an extra $200-$300 every month on eBay and Craigslist just by visiting a few thrift stores several times a week.</p> <h2>1. Always Have Your Smartphone on You</h2> <p>When I first started out, I had absolutely no clue what was valuable, and what was junk. I got lucky with the Coogi sweater, but I knew there were valuable items in the stores just hiding on the shelves. So, I took advantage of my smartphone. What you need to do is use eBay as a research tool. Here's how.</p> <p>When you see an item you think may be valuable, grab your phone.</p> <p>Go to eBay, do a search for it, and then refine it to look for SOLD ITEMS. (Never look at current listing prices; someone could be asking $800 for an old watch, but it doesn't mean they'll ever get that.)</p> <p>Next, look at the sort order of prices from highest to lowest, including shipping. You now know what someone is willing to pay for that item. Also, do it in reverse order, from lowest to highest. This shows you what you may actually get, and if it's worth your time and money.</p> <p>By using your smartphone in this way, you take almost 90% of the guesswork out of thrifting for profit.</p> <h2>2. Be Prepared to Take Your Time</h2> <p>My best finds have come from taking my time, and looking in each section carefully. To date, my most successful purchase was a beauty product that I bought for $6 and sold for $141. I found it nestled at the back of a shelf filled with old plastic cups and plates. You can sometimes do a quick 30-minute tour on your lunch break, if you have a store close to you, but you will almost certainly miss things.</p> <p>If you want to make this a successful venture, get to know your local thrift stores well, and learn the layout. I always start in the electronics aisle, then go to toys, followed by sweaters, shirts, knick-knacks, and then books and media. That's just my routine, and it works for me. Have a plan, and scan the shelves and racks of clothes more than once. You will miss things if you just walk through in a hurry.</p> <h2>3. Know Your Best Bets</h2> <p>Over time, you will know what sells well, and what doesn't. For me, vintage sweaters, classic video games, Disney snow globes, and blank media (especially cassette tapes and computer disks) always sell quickly. You will probably have different best sellers, depending on your own level of expertise, and passion for selling the item. If you are in a rush, hunt for those items first.</p> <h2>4. Think About the Profit/Time/Work Scenario</h2> <p>If you see a product that costs $10 and will likely make $20, it's more of a risk than a product that will make the same but costs only $1. It's only a difference of $9, but the initial outlay is much smaller.</p> <p>Similarly, if you see something that costs $40 but will easily sell for $100, your outlay is greater but your return is excellent. Sometimes, as I have so much to list, I will pass on items like the first one I mentioned. It takes time to photograph and list things, and it's often not worth the effort when you could be listing something that could make you a lot more money. But once again, if the initial spend was almost nothing, that changes the game a little.</p> <h2>5. Use the Color Coded System to Your Advantage</h2> <p>Every major thrift store, from Goodwill and Savers to ARC and The Salvation Army, has a color coded system. Every item has a price tag of a specific color, and each week, one color will be 50% off (the exception is Goodwill). If you shop wisely, you can pick up some valuable items for half-price &mdash; or even one dollar. Today, I picked up four beautiful framed posters for 99 cents each. They're big, and they would cost at least $20 each in the store. I have found video gaming systems, VHS, DVD and Blu-Ray players, speakers, suits, keyboards, and even wedding dresses for just 99 cents. These are no brainers. You can easily turn a profit from them.</p> <h2>6. Keep Track of Your Expenses and Profits</h2> <p>It's easy to think you're making money when you see the sales start rolling in from eBay or Craigslist. But if you buy 10 items and only sell one of them, are you losing money? Sometimes it's not the case. Buy 10 items for $25, sell only one of them for $50, and you're in profit whether you sell the others or not.</p> <p>A simple spreadsheet (you can find free templates online) will help you. Just write down the item, what you paid, when you bought it, what it sold for, and how much it cost to ship (sometimes you may have to offer free shipping to get someone to bite). If you're always making money, you're good to go. If you buy too much, and aren't making your money back, you need to rethink your strategy.</p> <h2>7. Don't Forget Yourself and the Kids</h2> <p>Many times, you will get so focused on making money that you will forget the real reason you went to the thrift store in the first place. I have found a lot of awesome items for the home, the kids, and even myself. If you know you need something, keep a list and remember to check it before you go into the thrift store. You can even find new name-brand laundry detergents, socks, light bulbs, and gloves for a lot less than you'd pay in stores like Target or Walmart.</p> <h2>8. Examine and Test Everything</h2> <p>Thrift stores actually have a very generous return policy, usually 10 days for most items. If you don't have the chance to test something in store, do it as soon as you get home. It's not a great deal if it doesn't work (with a few notable exceptions), and you won't be able to turn a profit on a broken, torn, or stained item.</p> <p>The major exceptions are vintage electronic items, and new high-end consoles. If someone has given them to a thrift store, they are most likely broken. Still, you can get a surprising amount of money for broken electronics. I recently paid $2.99 for an old Sony Walkman and sold it as-is for over $70. There are people willing to pay for them, and do the repairs themselves. I also found a PS3 for $10. Even broken, they sell for over $50 (usually they're stripped down for parts).</p> <h2>9. Old Doesn't Mean Expensive</h2> <p>It's easy to think that older item, especially something that looks antique, can be very valuable. This is when a smartphone is invaluable. Many times, you may see a 70s board game, or 50s kitchen gadget, and think it has to be collectible. Not so. They are often very common, and you could end up losing money.</p> <h2>10. Very Valuable Is Very Rare</h2> <p>You hear stories of people finding million dollar dishes, or long lost paintings that could set you up for life. The odds of finding these items like these are about the same as winning the lottery. Thrift stores have people who usually know what to look for. Obviously, things fall through the cracks, but don't depend on a big score. Solid silver or gold jewelry, utensils, or tea sets are almost impossible to find, too.</p> <h2>11. Don't Expect Miracles Immediately</h2> <p>It takes time to get to know your thrift stores, and how to navigate them. After a few months, you'll start getting a nose for valuable items, and also know what to avoid. Put the time and effort in, and you'll find that thrift stores are a lucrative way to save, <em>and earn</em>, money for you and your family. Good luck, and happy thrifting!</p> <p><em>Do you earn money from your thrift store finds? What are your secrets?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-ways-to-market-your-side-business">6 Simple Ways to Market Your Side Business</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-breast-feeding-saves-money">4 Ways Breast-Feeding Saves 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/8-ways-having-kids-makes-you-more-frugal">8 Ways Having Kids Makes You More Frugal</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Lifestyle side gig single parents thrift store Mon, 16 Feb 2015 18:00:08 +0000 Paul Michael 1289825 at http://www.wisebread.com Best Money Tips: How to Age Well on a Shoestring http://www.wisebread.com/best-money-tips-how-to-age-well-on-a-shoestring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-age-well-on-a-shoestring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mature-man-workout-resistance-weights-Dollarphotoclub_45115826.jpg" alt="mature man working" title="mature man working" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on how to age well on a shoestring, tools to help you reclaim your time, and a morning checklist for the best day ever.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.cheapism.com/blog/3379/aging-well-for-less">10 Ways to Age Well on a Shoestring</a> &mdash; Working out your muscles with resistance exercises will give you better balance, stronger bones, weight control, and improved sleep. You can save on weightlifting equipment by using cans of food or milk jugs filled with sand. [Cheapism]</p> <p><a href="http://www.carefulcents.com/reclaim-time-stop-distractions/">Reclaim Your Time: 4 Online Tools to Stop Distractions</a> &mdash; RescueTime tracks your web activity so you know how much time you spend on certain websites. [Careful Cents]</p> <p><a href="http://www.popsugar.com/smart-living/Morning-Organizational-Checklist-36228252">Have the Best Day Ever With This 10-Step Morning Checklist</a> &mdash; Doing 10 minutes of cardio in the morning jump-starts your metabolism and gives you a quick energy boost. [PopSugar Smart Living]</p> <p><a href="http://retirementrevised.com/the-10-most-important-things-to-know-about-medicare/">The 10 Most Important Things to Know About Medicare</a> &mdash; Make sure you know the difference between traditional, fee-for-service Medicare and a Medicare Advantage Plan. [Retirement Revised]</p> <p><a href="http://www.shebudgets.com/home-organizing/10-affordable-ideas-give-desk-makeover-needs/53907">10 Affordable Ideas to Give Your Desk the Makeover It Needs</a> &mdash; Store your knick-knacks in a nice tray with slightly raised sides. It will help organize your desk and make it look less cluttered! [SheBudgets]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.retiredby40blog.com/2015/02/05/3-ways-to-lower-food-costs/">3 Ways to Stop Eating Out</a> &mdash; If you find that you keep doing unplanned food runs while you're out, get into the habit of eating a nutritious, filling snack before you leave the house.&nbsp;[Retired By 40]</p> <p><a href="http://jamesclear.com/candy-checkout">Why Stores Place Candy by the Checkout Counter (and Why We Fail With New Habits)</a> &mdash; By the time you reach the checkout line, you've made so many decisions about what to buy (and not buy) that it becomes easy to give in to an impulse purchase. [James Clear]</p> <p><a href="http://www.mydollarplan.com/best-places-to-sell-your-stuff-to-make-quick-cash">Best Places to Sell Your Stuff to Make Quick Cash</a> &mdash; Half.com is great for selling your used books and DVDs. [My Dollar Plan]</p> <p><a href="http://parentingsquad.com/sharing-random-acts-of-kindness-as-a-family">Sharing Random Acts of Kindness as a Family</a> &mdash; Get the whole family involved in spreading kindness. You can organize a toy drive, pass out cups of coffee to your neighbors as the leave for work, or invite friends over and cook dinner for them. [Parenting Squad]</p> <p><a href="http://www.cleverdude.com/content/are-you-teaching-your-kids-the-right-life-skills/">Are You Teaching Your Kids The Right Life Skills?</a> &mdash; Before your kids reach adulthood, make sure they know how to cook and do laundry. [Clever Dude]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-age-well-on-a-shoestring">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sock-it-to-me-15-uses-for-old-socks">Sock It to Me: 15 Uses for Old Socks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-gifts-you-can-make-today">25 Gifts You Can Make Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle aging best money tips Wed, 11 Feb 2015 20:00:09 +0000 Amy Lu 1289194 at http://www.wisebread.com Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000012820205_Double.jpg" alt="kid drawing crayon" title="kid drawing crayon" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Single parents are challenged with finding ways to cut costs wherever they can, and that reaches into so many aspects of everyday life.</p> <p>Today, one of the trickiest challenges I am faced with is how to keep my kids entertained on a budget. Sure, the TV and Xbox could keep them amused for hours on end, but I don't want to have them zoning out in front of the tube. So, with very little money for entertaining, how do you keep the young ones happy and fulfilled? Here are some ideas that I use.</p> <h2>1. Get Baking</h2> <p>There are three reasons that this is a great way to pass the time with your kids.</p> <p>First, you're teaching them a practical skill that they can use later.</p> <p>Second, you're saving money. By baking your own breads, cookies, and cakes, you're not spending money on pre-packaged goods full of additives and preservatives.</p> <p>Most important of all, it's actually a lot of fun &mdash; kids love to help and get involved. They also like to see what their hard work has helped them achieve. When you taste those cookies, or a slice of warm banana bread, you'll enjoy their reactions as much as they enjoy the sweet treats.</p> <h2>2. Artwork Is a No Brainer</h2> <p>I don't just mean it's an obvious way to spend your time with the kids for next to nothing. It's also a chance to shut your brain off from all the hectic stresses of life, and be a kid again yourself.</p> <p>Set up the dining room table with paper, crayons, paints, markers, and anything else they need to be creative. Then, join in &mdash; don't just leave them to it. This is good bonding time, and you will enjoy yourself just as much as they do. I like to frame pieces of artwork that my kids have created (I only ever pay $1 for my frames at thrift stores) and have created a gallery we're all proud of.</p> <h2>3. Set Up a Home Spa</h2> <p>My girls are 10 and 8, and they love being pampered. I'm a guy, but I'm not afraid to get out the nail polish and curling irons. Put on some relaxing music, let them feel like the princesses they are, and get creative with it. You can make their nails look like bees, ladybugs, or chalkboards &mdash; it's all very easy after a while and tons of fun for everyone. And if you have little boys, don't think they don't deserve something similar. My toddler wanted his nails painted a boy-approved black and blue, and I obliged. He loved it. Older boys may not be interested, but spray-in hair colors and waxes can give you some punkish results.</p> <h2>4. The Library Is Your Friend</h2> <p>There is more to the library than just books and movies. Your library often has special events, including authors who will read aloud from their latest best sellers. They also have movie screenings, and host discussion groups and fun family activities afterwards.</p> <h2>5. Go to Museums and Parks on Free Days</h2> <p>Every museum and park will give out free passes on certain days of the year. Mark these days down on the calendar, and when they arrive, make sure you get the kids there to experience nature, or to learn about art, history, and geography.</p> <h2>6. Decorate a Bedroom</h2> <p>You can buy a few cans of &quot;oops paints&quot; for 70-80% off the regular price. Dig around whenever you're in a home improvement store, and if you find the perfect shade, you can repaint their bedrooms for under $20. But, do it with them &mdash; the older kids can do some of the big painting, while the younger kids love helping out with smaller areas. Just make sure they have on old clothes, and you have a drop cloth down. Let them have fun with it. They will love helping you paint their own room.</p> <h2>7. Volunteer</h2> <p>It's a great way to fill their time, and get them learning about life. A pet shelter is a good cause to start with. They will love seeing all the animals, and helping out with food, cuddles, and walks. You could also see if other local charities have space open for kid volunteers. It's wonderful to give back to the community, and it gives kids a sense of accomplishment and pride.</p> <h2>8. Visit a Cheap Movie Theater</h2> <p>Yes, these theaters get the movies long after the major chains have shown them. So what?! Kids shouldn't care about being the first to see it. Mine certainly don't. What they do love is the chance to go and see a new release (and it's way more affordable than seeing first-run flicks). On a recent visit to the movies, I saw <em>Big Hero 6</em> with my three kids. I bought them popcorn and slurpies, plus we shared a bag of Twizzlers. The entire outing cost a mere $29. Try doing that at a full price theater.</p> <h2>9. Get Out the Board Games</h2> <p>Sure, we live in an electronic world &mdash; but does that mean those great board games have to gather dust in the basement or garage? Dedicate one night a week to games. You can find used (and often new) board games at thrift stores for as little as $2; just check to see if they have all the pieces first. Your kids will enjoy spending time with you in a way that is more stimulating than just sitting in front of the TV.</p> <h2>10. Just&hellip; Play!</h2> <p>Hide and seek. Soccer. Tag. Charades. Twister. Name that tune. Your kids will not want to play with you forever, so cherish the times they want to be around you. You may often find yourself saying &quot;Oh, I'm too old for that.&quot; Shame on you. Sylvester Stallone is a senior citizen and he's jumping out of planes and fighting bad guys. It's just a bit of fun around the house. Who knows&hellip; you may actually enjoy yourself more than they do!</p> <p><em>Are you a single parent? In what creative, low-cost ways do you keep the kids entertained?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-romantic-inexpensive-anniversary-celebrations">5 Romantic, Inexpensive Anniversary Celebrations</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-ways-to-spend-less-money-on-valentines-day">14 Ways to Spend Less Money on Valentine&#039;s Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/free-ways-to-celebrate-mothers-day">Free Ways to Celebrate Mother&#039;s Day</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family Lifestyle entertaining kids entertainment parenting single parents Wed, 11 Feb 2015 10:31:15 +0000 Paul Michael 1285774 at http://www.wisebread.com 14 Ways to Spend Less Money on Valentine's Day http://www.wisebread.com/14-ways-to-spend-less-money-on-valentines-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-ways-to-spend-less-money-on-valentines-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-valentines-day-breakfast-Dollarphotoclub_73459350_0.jpg" alt="couple valentines day" title="couple valentines day" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're rolling your eyes at the fact that you have to loosen your wallet once again so soon after Christmas, you're not alone. Because while Valentine's Day is an excellent excuse to concentrate on reconnecting with our significant others, it's also a day that we've come to dread because of the anticipated cost of expressing such love.</p> <p>This year, however, you don't have to be a slave to the dollar sign if you're willing to put in a bit of thoughtfulness, creativity and time. Check out these 14 ways to celebrate your better half without going broke &mdash; then add your own low-cost ideas in the comments below.</p> <h2>1. Skip the Restaurant &mdash; Prepare a Home-Cooked Meal</h2> <p>My husband once tried to take me to dinner on Valentine's Day without a reservation. That's all I'll say about the situation since I'm pretty sure you can figure out how it went down after that. To avoid being frustrated and annoyed on Two-Fourteen, we now skip dining out altogether and opt to make a homemade meal instead &mdash; but one decidedly more fancy than an ordinary night's dinner.</p> <p><span style="font-size: 13px; line-height: 1.7em;">If you're not exactly a whiz in the kitchen, don't fret just yet. There are plenty of apps available to walk you through the cooking process. </span><a href="http://www.sidechef.com" style="font-size: 13px; line-height: 1.7em;">SideChef</a><span style="font-size: 13px; line-height: 1.7em;">, in particular, is an ideal resource for step-by-step instructions on how to prepare wow-inducing meals like </span><a href="http://www.garlicandzest.com/bourbon-marinated-flank-steak" style="font-size: 13px; line-height: 1.7em;">Bourbon-marinated flank steak</a><span style="font-size: 13px; line-height: 1.7em;">,</span><a href="http://hapanom.com/herb-roasted-cornish-game-hen/" style="font-size: 13px; line-height: 1.7em;"> herb-roasted Cornish game hen</a><span style="font-size: 13px; line-height: 1.7em;">, and </span><a href="http://www.expatcucina.com/2012/10/26/lemon-baked-cod-fish/" style="font-size: 13px; line-height: 1.7em;">lemon-baked cod fish</a><span style="font-size: 13px; line-height: 1.7em;">.</span></p> <h2>2. Use Daily Deals for Discounts If You'd Like to Dine Out</h2> <p>If you're a gambler and want to roll the dice by dining out on Valentine's Day, at least hedge your bets by picking up a daily-deal discount, says Bakke.</p> <p>&quot;If you want to visit a restaurant, use the websites Groupon or LivingSocial to find 50% off vouchers to local eateries,&quot; he suggests.</p> <p>But buyer beware: Some of the vouchers make have blackout dates that include holidays like Valentine's Day, so be sure to read the fine print before purchasing the discount.</p> <h2>3. Make a Handcrafted Valentine From a Favorite Memory</h2> <p>I'd much rather receive a handmade gift &mdash; even if it looks like it was made by the three-year-old trapped inside my husband's body &mdash; than an arbitrary gift that equates cost to affection. And there are innumerable ways you can make something from the heart.</p> <p>&quot;Print out a photo of your favorite memory together and glue some embellishments to an inexpensive frame,&nbsp;<a href="http://www.krazyglue.com/product/details/krazy-glue-20g-craft-gel#.VL1TSEfF-mE%3E">suggests a rep at Krazy Glue</a>. &quot;This cost-effective gift is made with love and shows how thoughtful you can be.&quot;</p> <p>Alecsy Christensen, Miss Utah USA finalist and author of the blog <a href="http://www.glittergatsby.com">Glitter Gatsby</a>, offers another dynamic idea.</p> <p>&quot;Show your valentine how much you care by gifting something special anyone can make,&quot; she says. &quot;My Valentine's Day gift idea would be '52 Things I Love About You' on a deck of cards. Write something you love about your loved one on a piece of paper, glue it to a card, do this for all 52 cards, and hole punch all the cards together and secure the cards with binder rings.&quot;</p> <p>These are gifts that keep on giving for years to come, and they let your partner know that they're worth your time and effort.</p> <h2>4. Complete Unfinished Projects Around the House in the Name of Love</h2> <p>In lieu of a gift this year, get to work and earn your partner's affect instead of buying it. Revisit your &quot;Honey Do&quot; list to see what projects still need to be completed around the house &mdash; surely there's a thing or two that needs a little TLC. You can kill two birds with one stone by going this route, if your partner appreciates the man (or woman) hours you put in.</p> <h2>5. Plan a Romantic Movie Night in With Valentine's-Inspired Snacks</h2> <p>Movie nights are a staycation staple, but they're perfectly acceptable (even better, I think) on Valentine's Day. Let your partner pick the flicks &mdash; or share the title-choosing responsibility &mdash; and prepare a few easy-to-make snacks to enjoy during the screenings. Try this <a href="https://www.hersheys.com/recipes/recipe-details.aspx?id=8447">peanut butter and chocolate-drizzled popcorn recipe</a> with only 190 calories per one cup serving, these <a href="http://insidebrucrewlife.com/2012/01/cherry-marshmallow-rice-krispy-treats/">cherry-marshmallow Rice Krispies treats</a> (which also include M&amp;Ms!), or candy shop-quality <a href="http://mrsfoxssweets.blogspot.com/2012/01/chocolate-dipped-valentines-pretzels.html">chocolate-covered Valentine's pretzel sticks</a>.</p> <h2>6. Plan a Low-Cost &quot;Experience&quot; Date to Facilitate Interaction</h2> <p>Doing is much better than saying &mdash; which is why you two need to get out and about to show your affection instead of exchanging it verbally.</p> <p>Zina Kumok, author of the blog <a href="http://www.debtfreeafterthree.com/">Debt Free After Three</a>, agrees.</p> <p>&quot;Experiences are always more valuable than things so instead of buying gifts for Valentine's Day, we try to do things together,&quot; she says. &quot;Last year we went to an arcade together. We played lots of games together and it was so fun doing something silly for a couple hours. On the way back we stopped by a flea market and walked around. It should be more about celebrating your relationship than getting a gift.&quot;</p> <p>Josh Aaron, author of the blog <a href="http://www.tobuildmyown.com">To Build My Own</a>, feels similarly.</p> <p>&quot;Don't spend anything at all,&quot; he says. &quot;Instead, give your girl an experience. Take her to watch the sunset, cook her a light but tasty dinner, use candles and romantic music, and dance with her a little bit. The key is to make her feel special. Expensive gifts help, but they aren't better than meaningful experiences that show her you care.&quot;</p> <h2>7. Get Creative and Shake Things Up in the Bedroom</h2> <p>One of the best parts of Valentine's Day is the facilitation of intimacy that's often put on the back burner the rest of the year. This year, kick your bedroom antics up a notch and get creative. I can't go into too much detail in this regard (family blog and all), but I'm sure if you put your mind to it you can put together a night to remember.</p> <h2>8. Hold Off on Buying Jewelry Until After Valentine's Day</h2> <p>Offers.com savings expert Amber Sager says &quot;if you're planning to buy jewelry for your Valentine, hold off until <em>after</em> February 14. Right after Valentine's Day, the demand for jewelry goes way down, and retailers supply huge discounts to attract customers.&quot;</p> <p>This is a tricky tactic, because what's the point of giving a gift after Valentine's Day, right? But if your partner is flexible and understanding and loves to save a few dollars just like you do, waiting to buy jewelry until the holiday has passed may result in significant savings.</p> <p>I think this is something you two should discuss in advance, however &mdash; sure, it won't be a surprise, but it's much better than saying nothing and giving nothing on February 14; disappointment will abound &mdash; so you're both on the same page in terms of expectations and perhaps can plan an alternative activity in the meantime.</p> <h2>9. Compare Prices Before You Buy Your Valentine's Gifts</h2> <p>You compare prices on almost everything else you buy &mdash; or at least you should &mdash; so why wouldn't you do it when trying to find an ideal Valentine's gift?</p> <p>&quot;Just because you found one bouquet for $100 doesn't mean it costs that much everywhere,&quot; Sager points out. &quot;Offers.com has a <a href="http://www.offers.com/valentines-day/">Valentine's Day Savings Center</a> that allows you to compare the best deals and coupons for Valentine's Day, and we update it with the best offers daily.&quot;</p> <h2>10. Create a Coupon Book That Your Significant Other Can Redeem From You</h2> <p>This is another tried-and-true low-cost gift that puts more of an emphasis on doing rather than saying.</p> <p>About an action-inspired coupon book, Sarah Edison of <a href="http://www.theloveyourjobproject.com">The Love Your Job Project</a> says some of &quot;the best Valentines Day gifts are the least expensive. The best I had was a homemade book of 'coupons' (things that my significant other would do for me), such as one free hour-long massage, no laundry duty for a week, a homemade dinner, car wash and vacuum, breakfast in bed, and other romantic gestures that don't really cost anything. This can be a great gift because it is creative and unique to your relationship.&quot;</p> <h2>11. Satisfy His or Her Valentine's Sweet Tooth With From-Scratch Baked Goods</h2> <p>Take note, gentlemen: If you ever have the pleasure of dating me in the future, you'll always win my heart with freshly baked cookies, cakes, pies, and pastries. Hope you like 'em pudgy.</p> <p>Seriously though, if you're an aspiring baker, start with these decadent, easy-to-make <a href="http://recipeforperfection.com/ultimate-deep-dish-brownies-recipe/">Ultimate Deep Dish Brownies</a> from Katie Moseman, writer at Recipe for Perfection, to make the holiday all the more delicious.</p> <h2>12. Try the $1 Anti-Commercialism Valentine's Challenge</h2> <p>Valentine's Day for $1? Seems unlikely, but if you take your cue from Angela Reed-Fox and her husband, both directors of a<a href="http://www.foxcycling.com"> cycling center in the UK</a>, you can do it &mdash; and have some fun while you're at it.</p> <p>&quot;For several years, my husband and I have taken the $1 challenge. This is mainly because he thinks V-Day is a day for businesses to make guilt money out of men, and partly because being original says 'I love you' more than picking up flowers from the garage on your way home,&quot; she says. &quot;A couple of ideas we've done in the past is an 'I love you' box &mdash; an inexpensive wooden box filled with tiny little scrolls printed with 'I love you' reasons &mdash; some of them mainstream, some more bizarre. Or using sticky notes to plant 'I love you' messages everywhere. Seriously, everywhere! That sucker in the bottom of the hole punch took months to find &mdash; but having 'I love yous' popping up well after the day itself leaves you with a lovely, warm glow.&quot;</p> <h2>13. Spring for the Practical Household Gift That Was Already on Your List</h2> <p>Instead of buying a present that doesn't have a true function, decide together that this year's Valentine's gift will be something that you both want to make your lives more convenient or something that you need to replace an old, perhaps non-working household item.</p> <p>&quot;Don't waste your money on flowers that are perishable or a fancy box of chocolate that will probably be misinterpreted because of added pregnancy weight,&quot; advises Zaida Khaze, mother of two and inventor of the <a href="http://www.wiggletot.com">Wiggletot Diaper Changer</a>. &quot;Be economical, buy the gift you already intended to buy for the home that will help save you money.&quot;</p> <h2>14. Just Go With the Flow and Find the Extra in the Ordinary</h2> <p>This is by far the best solution to saving money on Valentine's Day that I've heard in a long time. It's cute, clever, and these two seem to embrace the irony of such a simple outing on a day that otherwise can be taken over the top.</p> <p>&quot;A few years back my girlfriend (now fiance) and I were shopping at Costco on Valentine's Day,&quot; recalls Brent C., founder of personal-finance site <a href="http://www.vosa.com">Vosa.com</a> and all around awesome boyfriend. &quot;After shopping we were talking about where to go for dinner. We mutually decided on getting hot dogs at Costco, which I think are $1.50. We sat there, talked and laughed while enjoying our $3 Valentine's dinner. This has now become a tradition that we do every year, although sometimes we do spring for the chicken fingers, which totally blows the $3 budget. We make it fun, and I often joke throughout the year and especially as Valentine's Day gets closer that I better call to reserve the 'best table by the tire section' before someone else does. This year we'll be in San Diego over Valentine's Day and we are already planning our Costco hot dog dinner date &mdash; and we're planning to get a $1 churro for desert!</p> <p>&quot;I think it's possible for anyone to find fun ways to share the sentiment without breaking the bank,&quot; he continues. &quot;It's all about making it about the experience rather than the price of the dinner and wine.&quot;</p> <p>Touché. Let's all take a page from Brent's playbook this year.</p> <p><em>Do you have low- or no-cost Valentine's ideas to add? Let us know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/14-ways-to-spend-less-money-on-valentines-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/from-5-to-30-date-ideas-for-every-budget">From $5 to $30+, Date Ideas for Every Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-save-on-a-first-date-without-looking-cheap">8 Ways to Save on a First Date Without Looking Cheap</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-ways-to-celebrate-valentines-day-with-kids">10 Fun Ways to Celebrate Valentine&#039;s Day With Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-cheapest-dates-that-dont-seem-so-cheap">9 Cheapest Dates That Don&#039;t Seem So Cheap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle cheap dates entertainment Holidays romance Valentine's Day Fri, 06 Feb 2015 18:00:09 +0000 Mikey Rox 1285755 at http://www.wisebread.com 10 Fun Hobbies You Can Take Up for Free http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-fun-hobbies-you-can-take-up-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000034444570_XXXLarge.jpg" alt="friends beach guitar" title="friends beach guitar" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the new year, many of us choose to take up new hobbies to fill our free time and extend our skills. I recently looked into taking a pottery class, for example, but the $600 price tag sent me scrambling elsewhere to find some less expensive fun. Sure, a good number of fulfilling activities cost a pretty penny, but there are plenty of others you can start for free.</p> <h2>1. Exercise</h2> <p>Forget gym memberships. All you need for a great workout is yourself (and maybe a pair of shoes). You can walk or jog around your neighborhood. The web has a wealth of <a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap">free workouts</a> you can perform in your living room. Also investigate the gyms and fitness clubs around you to see if they run free weeks or classes you can try before you buy.</p> <h2>2. Read</h2> <p>All you need to become a frugal bookworm is a card to your local library. Even if your local stacks don't hold all the books you want to read, you can usually request to get most anything you want through interlibrary loans. So, sign up for <a href="https://www.goodreads.com">Goodreads</a>, research some books in whatever genre appeals to you, make a list, and slip into your reading glasses.</p> <h2>3. Write</h2> <p>If you'd rather write than read, look around the web for different <a href="https://dailypost.wordpress.com/dp_writing_challenge/">writing challenges</a> that &quot;push your boundaries&quot; and allow you to explore different topics and styles. You might also start a blog to share your words with the world (or keep it private, or for friends-only). Many regions also have writers' groups that allow you to meet up with like-minded people and get feedback on your work. Check your library, bookstore, or community calendar for details.</p> <h2>4. Play an Instrument</h2> <p>Venture into your attic and find your trumpet from high school marching band. Stop singing only in the confines of your car. There are a number of community groups &mdash; bands, orchestras, choruses, and other ensembles &mdash; that allow you to re-learn your instrument and perform in concerts. I was a member of a local philharmonic for years, and I loved having an excuse to play my violin after a 10-year hiatus.</p> <h2>5. Act</h2> <p>The same goes with community theater. Audition for lead roles or hang out with the extras in the chorus. Whatever part you play, acting allows you to meet new people, explore your creative side, and just have a lot of fun. You don't even need experience! Just search &quot;community theater&quot; and the name of the city where you live to find groups near you.</p> <h2>6. Learn a Language</h2> <p>Have you ever wanted to speak another language? I mean, beyond those few years of Italian you were required to take to graduate college? I sure have. A few years ago I taught myself French using an app and some <a href="http://livemocha.com">free online language resources</a>, and I was surprised how much fun it was (and useful, too!).</p> <h2>7. Listen to Podcast</h2> <p>Move over, TV and books, I've become seriously obsessed with podcasts since Sarah Koenig's <a href="http://serialpodcast.org">Serial</a> came out. Now I've moved on to This American Life and other free radio programs and podcasts I can stream or download. I love how these programs teach me things about myself and the world around me. I can listen to them while I lay in bed or go for a jog and change subjects to suit my mood.</p> <h2>8. Volunteer</h2> <p>Doing good feels good and is certainly a thoughtful hobby to take up and enjoy. You can serve food at your local soup kitchen, help build houses, or visit the elderly. The need is great and the opportunities are endless. To find volunteering gigs near you, try sites like <a href="http://www.volunteermatch.org">VolunteerMatch</a> that sort by location and interest.</p> <h2>9. Explore</h2> <p>Take a hike &mdash; literally. Pack yourself a lunch and head out on a local trail. A friend of mine in the Adirondacks tries to reach the summit of a new mountain every couple weeks. You can also <a href="http://www.geocaching.com/guide/">try geocaching</a>, which allows you to hunt for different objects or locations using GPS coordinates.</p> <h2>10. Begin Again</h2> <p>Then there are those hobbies of years past &mdash; you have all the stuff sitting in a box somewhere. For me, it's knitting. I have countless skeins of yarn and a few different sizes of needles, assorted books, and other supplies. All I need to do is use what I have and pick up where I left off. For you, this might mean dusting off a chess set, unearthing oil paints, or rolling out that old yoga mat.</p> <p><em>Do you pursue and free or frugal hobbies? What do you do?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-fun-hobbies-you-can-take-up-for-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/kill-boredom-with-these-34-fun-and-productive-projects">Kill Boredom With These 34 Fun and Productive Projects</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-35-best-ways-to-spend-your-free-time-frugally">The 35 Best Ways to Spend Your Free Time (Frugally)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/metal-detecting-for-beginners-patience-and-profit">Metal Detecting for Beginners: Patience and Profit</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/life-without-tv">Life Without Television</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle cheap fun entertainment free fun hobbies pastimes Thu, 29 Jan 2015 16:00:14 +0000 Ashley Marcin 1283628 at http://www.wisebread.com 7 Money-Saving Tricks You Can Learn From Same-Sex Couples http://www.wisebread.com/7-money-saving-tricks-you-can-learn-from-same-sex-couples <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-saving-tricks-you-can-learn-from-same-sex-couples" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-gay-couple-Dollarphotoclub_44882283.jpg" alt="happy gay couple" title="happy gay couple" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>By and large, LGBT couples are the same as heterosexual couples in most facets of our relationships. We express affection, argue, celebrate, and support each other just as our straight counterparts do. Yet there's one area where same-sex and heterosexual partnerships tend to differ, sometimes significantly &mdash; and that's our finances. Being part of a same-sex couple affords certain money-saving advantages that historically have been harder for hetero couples.</p> <p>But straight couples can take advantage of these money-saving opportunities, too. Thus, to help you make the most of your relationship &mdash; and reap the financial benefits that gay couples are seizing &mdash; here are seven common ways to save that you can learn from same-sex couples.</p> <h2>1. Share Clothing, Accessories, and Grooming Products</h2> <p>Ask any gay man who's dating another gay man of similar size and style, and he'll tell that you that one of the best days of his life was when he and his boyfriend moved in together and each of their wardrobes instantly doubled. (The same applies for lesbian couples, of course.) Because when you're a dude and you're living with another dude, you automatically get to borrow whatever they have that you like. Seriously &mdash; best. day. ever. (This applies to straight-guy roommates as well, by the way &mdash; even if they won't admit it.) Straight couples, however, can't pull off this feat without raising at least a few eyebrows.</p> <p>Of course, not all of us can fit into our same-sex partner's clothes, and we don't always share a similar sense of style, so if we lose out on that windfall, chances are we can still swap accessories like watches, ties, and outerwear &mdash; a practice that can save us hundreds of dollars a year.</p> <p>Let's not forget about grooming products, either. What my husband and I have in common that a husband and wife don't is that we can use the same shampoo, conditioner, shaving cream, hair product, and cologne on a daily basis. Think about that, ladies and gentlemen: You probably have a bathroom full of &quot;his&quot; and &quot;hers&quot; products that likely dip into the thousand-dollars-per-year territory. But do you really think that that &quot;men's body wash&quot; is specifically designed just for male body parts? Sadly, only the label is, which is why you should think about taking a page from our playbook in this regard, and start consolidating where you can.</p> <h2>2. Take Advantage of &quot;Buy One, Get One&quot; Sales</h2> <p>When Victoria's Secret has a BOGO sale, who benefits? Only the person wearing the bra in the relationship. Mathematically speaking, that's two bras for one person at half their original price. If you're part of a lesbian couple, on the other hand, each lady can get one bra for themselves using this deal. It's hard to argue with those numbers.</p> <p>Personally, I love scooping up BOGO deals on shoes with my husband. We each get a pair we like, and split the total cost of the discounted bill, which renders it cheaper for each of us than if we were to absorb the total cost all alone.</p> <p>Again, this isn't a situation specific to same-sex couples, but rather one of which we're more mindful because the sale often applies to gender-specific items that heterosexual couples brush off as not pertinent to their other half &mdash; mostly because they're not in the mindset of doing so. Things like bras, I understand, but you should absolutely start thinking as a savings duo in other, more gender-neutral areas, like t-shirts or certain types of shoes.</p> <h2>3. Use the Same Loyalty Card for Similar Services</h2> <p>My husband and I typically go to the same place to get our haircut, workout, and get an oil change, among other services. And to ensure that we're maximizing our reward-earning potential via the establishments' loyalty programs, we have one account that we share so we rack up points quicker. If you and your S.O. are patronizing different establishments, thereby reducing your overall savings (sometimes by A LOT), this is another area where you two should connect and see where it makes sense to join forces.</p> <h2>4. Scale Back Life's Expensive Milestones</h2> <p>Considering the history of how same-sex relationships in America, the majority of gay people &mdash; until very recently &mdash; gave up on the idea of a traditional wedding. On one hand, it was unfortunate that we couldn't experience that rite of passage like our straight counterparts, but on the other, we saved tens of thousands of dollars that, in hindsight, is much better spent on anything else besides expensive flowers and a cake.</p> <p>Certainly I'm being facetious here, but you get the point. Just because you're a straight couple doesn't mean you have to subscribe to what our society considers the &quot;norm.&quot; If you don't like the idea of spending a small fortune on a one-day party, don't. Find someone who thinks similarly with whom to spend the rest of your life, skip the formalities, and send all your other goin'-to-the-chapel straight friends a Christmas card taken from the bow of your boat as you enjoy the sunset in Fiji. Can I get an Amen?</p> <h2>5. Put Kids on Hold Until You're Financially Stable</h2> <p>Biologically speaking, it's incredibly easy for gay couples to not have kids &mdash; but that doesn't mean that we don't want them. It also doesn't mean that I'm advising against you having them. Kids, as I understand, are a blessing to many families &mdash; but they'll also bleed you dry if you're not prepared. Things happen unexpectedly &mdash; I get it &mdash; but if you can help it, the best financial decision that you can make for your intended family is to wait until you're financially stable. That may mean that you shouldn't have kids until your late 20s or 30s, but wouldn't you rather enjoy your life with your children, instead of struggling to make ends meet for the next two decades?</p> <h2>6. Rely Less on Outside Sources in Future Planning</h2> <p>It wasn't long ago that gays experienced all sorts of financial restrictions based on our sexual orientation. Because we weren't allowed to get married until relatively recently (and some gay people still can't in certain states), we weren't privy to many tax incentives, inheritance rights, and other financial benefits for which straight couples qualified. So, homosexual couples have had to adapt financially to protect ourselves and make do without help from outside sources. It's a useful skill from which straight couples can also benefit.</p> <p>Though it's hard, try relying less on what your job or the government says you're afforded or has promised you. (If the Social Security debacle isn't a wake-up call, I don't know what is.) Thus, the only money that's really yours is the money you already have. Anything else is phantom cash that you may never see unless you start thinking differently. Save and plan accordingly.</p> <h2>7. Be a Dual Income Household</h2> <p>Though times are rapidly changing, historically women worked outside the household less often than men. That meant hetero couples often had only one income &mdash; and that gays often had dual incomes. Depending upon the nuances of your own personal household situation and preferences, having two parents working outside the home may not be realistic. But that doesn't mean your household can't have two incomes, since it's possible to earn money while working from home, for example. A second income can make all the difference in your financial futures, so explore ways to bring in extra money.</p> <p><em>In what other ways do same-sex couples maximize their finances? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/7-money-saving-tricks-you-can-learn-from-same-sex-couples">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-frugal-things-i-do-4-spendthrift-confessions">25 Frugal Things I Do, 4 Spendthrift Confessions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">25 Frugal Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">The Key to Frugality: Avoid the Fear Tax</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sock-it-to-me-15-uses-for-old-socks">Sock It to Me: 15 Uses for Old Socks</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/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugal tips lgbt same-sex couples Mon, 19 Jan 2015 14:00:19 +0000 Mikey Rox 1281377 at http://www.wisebread.com 10 Types of Friends Who Are Costing You Money http://www.wisebread.com/10-types-of-friends-who-are-costing-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-types-of-friends-who-are-costing-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girls-friends-shopping-Dollarphotoclub_68908168.jpg" alt="girls friends shopping" title="girls friends shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Our friends are some of the most important people in our lives. But have you ever considered the impact they have on your finances?</p> <p>Some friends can suck money from your wallet, even if they don't intend to. And because they're your friends, you may not even notice. (See also: <a href="http://www.wisebread.com/10-types-of-neighbors-that-are-costing-you-money?ref=seealso">10 Types of Neighbors Who Are Costing You Money</a>)</p> <p>Consider whether yours fall into any of these categories of friends that cost you money.</p> <h2>1. The Leech</h2> <p>He's more than just cheap. He's a moocher. He's always asking to borrow money. He raids your fridge, and if you go out to eat, he always insists on paying just half the check &mdash; even if he ordered more. He wants you to spot him his share of the monthly rent and promises to pay you back &mdash; but you know he won't. He'll even &quot;borrow&quot; books and DVDs that you'll never see again. You need to draw a hard line on what you'll do for this friend. Otherwise, you'll both end up suffering financially.</p> <h2>2. The Big Spender</h2> <p>If you go to a baseball game together, they insist on getting tickets behind home plate instead of in the bleachers. When you suggest a weekend of camping, they push for a week of skiing in Aspen. Perhaps this friend is wealthy and has a good chunk of disposable income. Or, perhaps they just love to spend and hate to save. Either way, keeping up with their lifestyle is making you go broke. You like this friend because you enjoy his or her company, but you must politely find a way to spend time with them on more frugal terms.</p> <h2>3. The Bad Association</h2> <p>He's always getting in trouble, and you're often dragged in his wake. He's the guy who shows up with weed at parties, or gets into fights at clubs. You can try your best to be on the straight and narrow, but just being around him can put you at risk for legal trouble. And even if your criminal record stays clean, your social media profile might not. Think you're due for a raise at work? You better hope the boss doesn't see the drunken Instagram pic your friend tagged you in.</p> <h2>4. The Awful Entrepreneur</h2> <p>She always has a new idea for something that will change the world, and all she needs is some money to get it off the ground. Maybe it's a new mobile app to help you brush your teeth, or a new restaurant specializing in gourmet scrambled eggs. You admire her entrepreneurial spirit, but the truth is that she has neither the business sense nor the dedication to get rich from any of these schemes. It may be tempting to lend money to friends for their business ventures, but don't let your friendship skew your assessment of whether the investment makes good financial sense.</p> <h2>5. The Philanthropist</h2> <p>This month, he's running in a marathon to raise money for cancer research. Next month, he's seeking donations for a local homeless shelter. He's a generous soul &mdash; and that's great! But it's important that you don't feel pressured to donate every time he comes around. You must find a way to gently tell your friend that you can't pony up cash every time he's supporting something. Keep in mind that it's possible to support his cause without giving money. For instance, consider volunteering your time to the charity in question, instead.</p> <h2>6. The Celebrator</h2> <p>I had an old friend from college who would plan parties and outings for the most innocuous of reasons. While most of us grew older and let our birthdays pass with little fanfare, he was still planning annual trips to Las Vegas well into his 30s. His over-celebrating was often excessive, but the truth is that this is something many of us fall prey to. We celebrate the new job, the promotion, the graduation from pre-school. We reward ourselves with a dinner out just because &quot;we've had a tough week.&quot; Resist the urge to celebrate every single life event, and politely beg out of those outings to which you've been invited.</p> <h2>7. The Extravagant Gift Giver</h2> <p>It's Christmas Day and you bought gifts for all of the people on your list. But then a friend arrives with expensive items for you and your entire family. Now you're on the hook to reciprocate, even if you feel like you're not close enough with this person to be exchanging gifts every year. This is a tricky situation, as it hardly seems civil to complain about a friend's generosity. But there are polite ways to nudge the person away from giving gifts. If they still insist on giving, reciprocate by inviting them to dinner or finding a tasteful but inexpensive item.</p> <h2>8. The Spending Enabler</h2> <p>So you're on the fence about whether to buy the 45-inch flat screen TV or the 70-inch monster. On one shoulder is the little Frugal Angel, telling you to buy the smaller one, or even pass on buying altogether. One the other is your friend, telling you how much you deserve the behemoth. She may mean well, but she's always pushing you to spend more. &quot;Go for it,&quot; she'll say. &quot;You work hard. Don't be afraid to spoil yourself.&quot; Never listen to the Enabling Devil.</p> <h2>9. The Early Adopter</h2> <p>This is the guy who stands in line at the Apple Store every time a new phone is released. He's the first to get every new gadget or technology out there. Hanging out with this friend can make you feel pressured to keep up. But keep in mind that Early Adopters rarely get the best deals. Don't let your friend's love of the shiny new thing influence your own buying decisions.</p> <h2>10. The Gambler</h2> <p>With this friend, a casual game of poker always seems to turn into a scene from <a href="http://www.amazon.com/gp/product/6305268789/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=6305268789&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WAXMZ27ZVOTHQLAT">Rounders</a>. His &quot;friendly&quot; fantasy football league just offers another chance for big chunks of money to change hands. He's always betting on something, and all too often you find yourself opening up your wallet to join the fun. Resist the urge to bet big bucks on things every time you hang out with this friend. You'll be better off financially (and your blood pressure may improve as well.)</p> <p><em>Do you have any &quot;friends&quot; like these? How do you deal with friends that are costing you money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-types-of-friends-who-are-costing-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-dodge-peer-pressure-to-spend">5 Ways to Dodge Peer Pressure to Spend</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-whole-sorry-mess-in-one-picture">The whole sorry mess in one picture</a></span> </div> </li> <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/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-saving-new-years-goals-that-you-can-actually-keep">10 Money-Saving New Year&#039;s Goals That You Can Actually Keep</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle Personal Development borrowing friends gambling saving spending Wed, 14 Jan 2015 18:00:09 +0000 Tim Lemke 1278625 at http://www.wisebread.com Best Money Tips: Changes to Make for Everyday Simplicity http://www.wisebread.com/best-money-tips-changes-to-make-for-everyday-simplicity <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-changes-to-make-for-everyday-simplicity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-eating-fruit-Dollarphotoclub_39170570.jpg" alt="woman eating fruit" title="woman eating fruit" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some helpful articles on changes we can make for everyday simplicity, common calorie myths, and actionable financial tips for millennials.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/2015/01/12-changes-can-make-everyday-simplicity.html">12 Changes We Can Make to Have Everyday Simplicity</a> &mdash; Eat simply: fruits and veggies, fish and meat, dairy products, and other basics. [Dumb Little Man]</p> <p><a href="http://www.marksdailyapple.com/7-common-calorie-myths-we-should-all-stop-believing/">7 Common Calorie Myths We Should All Stop Believing</a> &mdash; If you want to monitor your food intake, counting calories is not the most accurate way to do it. [Mark's Daily Apple]</p> <p><a href="http://www.goodfinancialcents.com/29-actionable-financial-tips-that-millennials-need-to-take-right-now/">29 Actionable Financial Tips That Millennials Need to Take Right Now</a> &mdash; The next time you get a windfall &mdash; say, a tax refund or bonus check &mdash; save it, don't spend it. [Good Financial Cents]</p> <p><a href="http://www.popsugar.com/smart-living/Questions-Ask-Declutter-34352100">8 Questions to Ask Yourself to Help You Declutter</a> &mdash; Do you have another item that serves the same purpose? Yes? Then get rid of one of them today. [PopSugar Smart Living]</p> <p><b>In case you missed it:</b> <a href="http://www.wisebread.com/the-surprising-reason-you-are-sick-tired-and-cranky">The Surprising Reason You Are Sick, Tired, and Cranky</a> &mdash; Vitamin D deficiency from a lack of sun exposure can wreak havoc on your body. For better moods, stronger bones, and higher energy, make sure you get your daily dose of sunlight. [Wise Bread]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.carefulcents.com/solopreneurs-make-priority/">5 Ways for Solopreneurs to Make Themselves a Priority in 2015</a> &mdash; Take the time to celebrate your accomplishments, big and small. Have a weekly meeting with yourself to go over all that you've done. [Careful Cents]</p> <p><a href="http://www.artofmanliness.com/2015/01/06/how-to-make-fresh-pasta/">How to Make Fresh Pasta</a> &mdash; You only need a few basic ingredients (and some patience) to make fresh past &mdash; no fancy machine necessary! [The Art of Manliness]</p> <p><a href="http://www.thesimpledollar.com/10-financial-mistakes-too-many-parents-make">10 Financial Mistakes Too Many Parents Make</a> &mdash; Making instant gratification the norm for you child can set them up for unrealistic expectations as they get older. [The Simple Dollar]</p> <p><a href="http://blog.allstate.com/networking-for-introverts/">Networking Tips for Introverts (and People Who Just Hate Networking)</a> &mdash; Asking your new contacts about their companies, and who they'd like to meet to help their businesses, is an easy way for you to seem interested and helpful without doing much talking. [The Allstate Blog]</p> <p><a href="http://parentingsquad.com/the-best-and-funniest-new-year-resolutions-for-parents">The Best (and Funniest) New Year Resolutions for Parents</a> &mdash; Finding something to do with the 400+ photos on your phone is a worthy endeavor! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-changes-to-make-for-everyday-simplicity">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/lessons-in-simple-living-from-extreme-minimalists">Lessons in Simple Living From Extreme Minimalists</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/simple-living-overcoming-negative-inertia">Simple Living: Overcoming Negative Inertia</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/book-review-wabi-sabi-simple">Book review: Wabi Sabi Simple</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/lessons-from-my-frugal-father">Lessons From My Frugal Father</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/simplicity-and-being-cheap">Simplicity and being cheap</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips simple living Thu, 08 Jan 2015 20:00:09 +0000 Amy Lu 1278314 at http://www.wisebread.com Best Money Tips: Get Healthy and Save Money at the Same Time http://www.wisebread.com/best-money-tips-get-healthy-and-save-money-at-the-same-time <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-get-healthy-and-save-money-at-the-same-time" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-walking-bike-commute-Dollarphotoclub_73420938.jpg" alt="man biking commute" title="man biking commute" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to get healthier and save money at the same time, celebrating New Year's without spending a dime, and awesome side business ideas for 2015.</p> <h2>Top 5 Articles</h2> <p><a href="http://christianpf.com/get-healthier-save-money/">9 Ways to Get Healthier and Save Money at the Same Time</a> &mdash; If your errands are within a mile of you, walk instead of drive. You'll save on gas and wear-and-tear on your car, plus you'll get some great exercise! [Christian PF]</p> <p><a href="http://www.everybodylovesyourmoney.com/2014/12/29/6-free-ways-celebrate-new-year.html">6 Free Ways to Celebrate the New Year</a> &mdash; Have a goal-writing session with a few of your best friends. You can bounce ideas off one another and keep each other accountable throughout the year. [Everybody Loves Your Money]</p> <p><a href="http://www.sidehustlehq.com/21-phenomenal-side-business-ideas-for-2015/">21 Phenomenal Side Business Ideas for 2015</a> &mdash; Do you have a little bit of land and a green thumb? With a little planning, you can launch an organic farm. [Side Hustle HQ]</p> <p><a href="http://www.thepennyhoarder.com/new-years-eve-party">Your Step-by-Step Guide to Throwing a Rockin' New Year's Eve Party on the Cheap</a> &mdash; New Year's Eve is all about the countdown to midnight. Set the party time to 8 or 9 p.m. so your guests can have dinner at home and come over for champagne punch and dessert. [The Penny Hoarder]</p> <p><a href="http://www.popsugar.com/smart-living/How-Make-50-23634851">7 Ways to Make $50 in a Day</a> &mdash; Check out sites like TaskRabbit and get paid to help people pick up furniture, plan their vacations, and other tasks they don't want to do. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.terrystarbucker.com/2014/12/28/7-ways-to-great-leadership-in-new-year-without-uttering-single-word/">7 Ways to Great Leadership in the New Year &mdash; Without Uttering a Single Word</a> &mdash; Be more aware of your body language. The right posture will project authority and control. [Terry St. Marie]</p> <p><a href="http://www.cultofmoney.com/2014/12/24/5-basic-money-principles-you-need-to-know/">5 Basic Money Principles You Need to Know</a> &mdash; Don't draw your self-worth from the size of your bank account. [Cult of Money]</p> <p><a href="http://www.finance.info/3-reasons-to-use-linkedin-even-if-you-have-a-job/">3 Reasons to Use LinkedIn Even If You Have a Job</a> &mdash; People share tips, advice, and breaking news on LinkedIn, so it's a great way to stay current in your industry. [Personal Finance Advice]</p> <p><a href="http://parentingsquad.com/6-tips-to-help-your-kids-survive-a-holiday-hangover">6 Tips to Help Your Kids Survive a Holiday Hangover</a> &mdash; The fun doesn't end with the holidays! Schedule January adventures so your kids will have something to look forward to. [Parenting Squad]</p> <p><a href="http://www.theessentialyoublog.com/projecting-your-flaws/">3 Ways to Tell If You're Projecting Your Flaws on Others</a> &mdash; Do you find that you're the only person who's strongly bothered by another person's &quot;flaws&quot;? If so, there might be some projection going on. [Essential You]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-get-healthy-and-save-money-at-the-same-time">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-tricks-to-get-you-drinking-more-water">10 Tricks to Get You Drinking More Water</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/sock-it-to-me-15-uses-for-old-socks">Sock It to Me: 15 Uses for Old Socks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do 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/volunteer-to-travel-11-opportunities-for-free-or-very-cheap-travel">Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips healthy Wed, 31 Dec 2014 20:00:12 +0000 Amy Lu 1275172 at http://www.wisebread.com