Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US 6 Fun, Affordable Travel Ideas for Singles http://www.wisebread.com/6-fun-affordable-travel-ideas-for-singles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-fun-affordable-travel-ideas-for-singles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_have_fun_in_london.jpg" alt="Friends have fun in London" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Traveling when you're single can be a ton of fun. Without a spouse or partner to appease, you can travel when you want and <em>where</em> you want. And since you don't have to choose activities based on anyone else's tastes, you can pack your trips full of stuff you want to do.</p> <p>Unfortunately, traveling as a single can be more expensive than it would be if you could split your costs with someone else. For example, a single hotel room usually sleeps two, but you won't get it for half the price of a double room.</p> <p>If you want to travel independently, you should plan on paying what is commonly called a single supplement &mdash; a noted or hidden charge that arises from the fact you're traveling alone, since most travel arrangements are based on double-occupancy.</p> <p>The good news is, a handful of travel ideas work better for singles, and there are even &quot;singles vacations&quot; created with the solo traveler in mind. If you're looking for a way to travel on the cheap without a buddy, here are some of the best inexpensive ideas to consider. (See also: <a href="http://www.wisebread.com/6-unexpected-benefits-of-solo-travel?ref=seealso" target="_blank">6 Unexpected Benefits of Solo Travel</a>)</p> <h2>1. Go &quot;couchsurfing&quot;</h2> <p>If you're especially independent, why not go couch surfing? Yes, we actually mean hopping from one couch to another while you traverse the planet in pursuit of your travel dreams.</p> <p><a href="https://www.couchsurfing.com/" target="_blank">Couchsurfing</a> makes it easy to book space on someone's couch nearly anywhere, while making valuable connections, and potentially even friends, within a community. The best part is, the hospitality offered through Couchsurfing.com is absolutely free, provided you are willing to meet your host's expectations as a guest.</p> <p>You can find a couch or spare room nearly anywhere in the world, from Amsterdam to Zambia. This opportunity allows you to stay multiple places for free while having someone to connect with.</p> <p>If you're worried about how safe it is to sleep on a stranger's couch for free, Couchsurfing.com suggests reading profiles and their reviews carefully on the website and only making selections you feel comfortable with. &quot;If you're uncomfortable, keep looking,&quot; the website advises. It also suggests trusting your instincts and having a backup plan or knowledge of the nearest hostel/hotel wherever you're staying. (See also: <a href="http://www.wisebread.com/13-ways-to-get-free-travel-accommodations?ref=seealso" target="_blank">13 Ways to Get Free Travel Accommodations</a>)</p> <h2>2. Opt for a singles cruise</h2> <p>While cruising is usually considered an affordable travel option, single travelers are often in a poor spot when it comes to booking cruises on a budget. Because cruise cabins are booked based on double occupancy, single cruisers are usually asked to pay for two people or for a &quot;single supplement&quot; charge to make up for the fact they're not sharing their cabin with anyone else.</p> <p>Fortunately, special singles cruises have been set up to help cruisers mingle without all the extra charges. Some don't charge a single supplement, while others promise to match you with someone to share a cabin with.</p> <p>Some singles cruises even set up special mixers or cocktail hours to help you meet a special someone. Discount cruise website <a href="http://www.vacationstogo.com/singles_cruises.cfm" target="_blank">VacationstoGo</a> offers details on upcoming singles cruises &mdash; how much they cost, and how to book. (See also: <a href="http://www.wisebread.com/travel-resources?ref=seealso" target="_blank">40 Most Useful Travel Websites That Can Save You a Fortune</a>)</p> <h2>3. Select an all-inclusive resort made for singles</h2> <p>If you want a relaxing beach vacation with included activities and plenty of people around, an all-inclusive resort might be your speed. These properties include food, lodging, and entertainment for a single nightly rate, and are often very affordable if you're willing to shop around.</p> <p><a href="https://www.clubmed.us/l/all-inclusive-resorts-for-singles" target="_blank">All-inclusive brand Club Med</a> even offers properties that cater specifically to singles. At its Turkoise property in Turks and Caicos, for example, nightly rates for singles start at just $109 per night.</p> <p>You can also find myriad all-inclusive properties for less than $150 per night in Mexico, Jamaica, and elsewhere in the Caribbean. Pick a property that caters to adults to increase your chances of meeting other solo travelers.</p> <h2>4. Become a housesitter</h2> <p>If you want to visit new lands and you love animals, becoming a housesitter might be right up your alley. <a href="https://www.trustedhousesitters.com/house-and-pet-sitting-assignments/" target="_blank">TrustedHousesitters</a> connects homeowners who travel with verified housesitters who will stay at their properties, water their plants, get the mail, and take care of pets.</p> <p>While you don't typically get paid for these opportunities, you can get a free place to stay in destinations around the globe. Currently, you can find housesitting opportunities in places like the United Kingdom, Australia, Paris, and Austria. As a bonus, any pets you watch can help keep you company. (See also: <a href="http://www.wisebread.com/10-tips-for-landing-the-perfect-house-sitting-gig?ref=seealso" target="_blank">10 Tips for Landing the Perfect House-Sitting Gig</a>)</p> <h2>5. Join a guided group tour</h2> <p>Guided tours can offer a convenient way to see some of the world's most amazing sights. Whether you're touring Greece's ancient ruins or joining a safari through Kenya's famous game parks, a tour can save you a lot of planning since the tour company irons out the itinerary and travel details for you. You'll also have the benefit of traveling with a knowledgeable guide and with a group, which may help you feel safer and less lonely.</p> <p>Unfortunately, not all organized travel tours are best for singles, since many charge a double-occupancy rate whether you travel alone or not. It helps to seek out tours specifically for single travelers. Some of the most popular companies that offer this option (without a single supplement) include <a href="https://www.gadventures.com/about-us/why-travel-with-gadventures/solo-travel/?_bt=193572982255&amp;_bk=%2Bsingles%20%2Btours&amp;_bm=b&amp;phonecode=US_PPC_NonBrand&amp;gclid=CjwKCAjwo4jOBRBmEiwABWNaMdexpj1x4lSxG6WkzpOHemVSDtJJL2szpd2LMh3m9NFr3vqFl8cSvhoCGjEQAvD_BwE" target="_blank">G Adventures</a>, <a href="https://www.tucantravel.com/travel-styles/inspiration/singles-holidays?gclid=CjwKCAjwo4jOBRBmEiwABWNaMfVrmXOR1hlUFfffSKJJLZZxO46TTd01DIfLRjHgT_fbMuI66TDr2RoCg08QAvD_BwE" target="_blank">Tucan Travel</a>, and <a href="https://www.contiki.com/us/en/contiki-travel-tours-europe-trips?st-t=google_non_brand&amp;vt-k=%2Btours%20%2Bfor%20%2Bsingles&amp;vt-mt=b&amp;c3apimn=Jj0OPrFy&amp;c3=PubID-177114954693&amp;mkwid=sJj0OPrFy%7Cpcrid%7C177114954693%7Cpmt%7Cb%7Cpkw%7C%2Btours%20%2Bfor%20%2Bsingles%7Cpdv%7Cc%7C&amp;gclid=CjwKEAjwo4jOBRDmqsavuLfl9CYSJAAFY1oxnpJzsLAQiP7FeS_DaPznbM2nmuGVpnV0EAOPqGDO1RoCetzw_wcB" target="_blank">Contiki</a>, which focuses on travelers in the 18-35 age range.</p> <p>These tours typically include not only your lodging and transportation, but some meals and activities, too. With G Adventures, for example, travelers can pick from tours like a seven-day Italy trip that includes lodging, transportation, food, and activities for $1,599.</p> <h2>6. Pick up a travel credit card</h2> <p>No matter where you're traveling, pick up an airline credit card or <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit card</a> before you go. These cards let you earn points for every dollar you spend, and most offer a big sign-up bonus after you meet a minimum spending requirement within a few months of signing up.</p> <p><a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" target="_blank">Airline credit cards</a> can be especially advantageous for the single traveler. While families may find it difficult to find more than one or two award seats on a flight, singles have the advantage of only needing one. This is especially true when it comes to airlines that only release one or two award seats at a time.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/6-fun-affordable-travel-ideas-for-singles">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/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-that-anyone-can-travel-for-free">7 Ways That Anyone Can Travel for Free</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-6-best-cities-for-single-millennials">The 6 Best Cities for Single Millennials</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-most-affordable-cruise-lines-for-families">5 Most Affordable Cruise Lines for Families</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel budget travel Dating singles solo travel travel ideas travel tips traveling alone Wed, 13 Dec 2017 09:30:06 +0000 Holly Johnson 2069135 at http://www.wisebread.com 7 Organizations That Need Your Help During Christmas http://www.wisebread.com/7-organizations-that-need-your-help-during-christmas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-organizations-that-need-your-help-during-christmas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_adults_bring_gifts_to_senior_woman.jpg" alt="Young adults bring gifts to senior woman" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are people in your community right now who are struggling with financial problems, illness, and homelessness. Although you want to help, you might be on a tight budget yourself; and you don't have enough to donate to the various causes. Thankfully, you can still contribute in a meaningful way by volunteering.</p> <p>Christmas can be a wonderful occasion to volunteer your time, as many groups need extra help around the holidays. If you're looking for a volunteer opportunity, these seven organizations are still in need of help. (See also: <a href="http://www.wisebread.com/8-charities-you-can-trust-with-your-holiday-donations?ref=seealso" target="_blank">8 Charities You Can Trust With Your Holiday Donations</a>)</p> <h2>1. Knit for the Gift of Life</h2> <p>If you enjoy knitting, the <a href="https://thegiftoflife27.org" target="_blank">Gift of Life</a> needs your skills. It's an organization that is dedicated to helping and supporting parents of premature babies and babies in neonatal intensive care units. Many families will be spending Christmas Day in the hospital to be near their babies.</p> <p>The Gift of Life collects stuffed bears and beanies to distribute to families at Christmastime to provide comfort and hope. The organization needs knitters and crocheters to <a href="https://www.volunteermatch.org/results/opp_detail.jsp?oppid=1906943" target="_blank">create the bears and hats</a>. You can contact them to volunteer and they will send you the hat sizes and patterns they need.</p> <h2>2. Wrap presents for the American Red Cross</h2> <p>You might have taken advantage of <a href="http://www.redcross.org/find-your-local-chapter" target="_blank">American Red Cross</a> wrapping booths in the past, yourself. They're common in shopping malls nationwide during the holiday season. Volunteers wrap shoppers' presents for them in return for a donation. It's an effective fundraiser that goes toward disaster relief and support for the military.</p> <p>If you enjoy wrapping presents, you can find seasonal American Red Cross volunteer gigs on <a href="http://www.volunteermatch.org" target="_blank">VolunteerMatch.org</a> or by contacting your local chapter office.</p> <h2>3. Deliver hot meals with Little Brothers: Friends of the Elderly</h2> <p>Many elderly or disabled individuals are homebound and cannot go to the grocery store for food. Or, they might not have family to help them and are completely isolated. They often rely on organizations like Meals on Wheels for hot meals and companionship.</p> <p>However, Meals on Wheels is not open on Christmas Day. <a href="http://littlebrothers.org/" target="_blank">Little Brothers: Friends of the Elderly</a> chapters fill the gap by delivering hot meals directly to individuals' homes, ensuring they're not alone on Christmas Day. Contact your local chapter office to sign up to become a deliverer.</p> <h2>4. Cheer hospital patients with the Salvation Army</h2> <p>Spending the holidays in the hospital can be a very grim and lonely experience. As part of its holiday efforts, <a href="http://www.salvationarmyusa.org/usn/brighten-the-holidays/" target="_blank">Salvation Army chapters</a> nationwide arrange for hospital and nursing home visits. Volunteers sit with patients on Christmas Day. It can be uplifting for patients, especially for children and the elderly. You can contact your local Salvation Army chapter to inquire about visitation schedules.</p> <h2>5. Distribute warm clothes with Goodwill</h2> <p>While many children are dreaming of new video games, others just wish for a warm coat. Each year, <a href="http://www.goodwill.org/" target="_blank">Goodwill</a> chapters collect new and gently used coats, shoes, and gloves for both children and adults. You can contact your local chapter to volunteer, or you can help by collecting gently used warm clothing from family and friends.</p> <h2>6. Assemble hygiene kits for the Coalition Against Domestic Violence</h2> <p>Unfortunately, the National Domestic Violence Hotline receives hundreds of phone calls on Christmas Eve, Christmas Day, and throughout the holiday season from victims of domestic abuse in need of help. Some are connected with local shelters so they can get to a safe place.</p> <p>When victims of domestic abuse leave their abuser, they often have to leave suddenly with just the clothes on their back. They might arrive at the shelter without even a toothbrush. The local chapters of the <a href="https://ncadv.org/volunteer" target="_blank">National Coalition Against Domestic Violence</a> need help collecting new supplies and assembling hygiene kits. Contact your local coalition office to volunteer or donate supplies.</p> <h2>7. Visit nursing home residents with the Holiday Project</h2> <p>The Holiday Project is an organization devoted to making visiting people in nursing homes, hospitals, or other residential institutions a normal holiday tradition. It arranges for volunteers to visit nursing home residents, who are often without family and may never receive visitors otherwise. During your visit, you might sing Christmas carols, hang up decorations, or play games with residents. You can find a list of existing groups or learn how to create your own group by visiting <a href="http://www.holidayproject.info" target="_blank">HolidayProject.info</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/7-organizations-that-need-your-help-during-christmas">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-give-back-this-thanksgiving">7 Easy Ways to Give Back This Thanksgiving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-unexpected-benefits-of-volunteering">9 Unexpected Benefits of Volunteering</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/make-the-world-better-with-these-17-free-ways-to-give-back">Make the World Better With These 17 Free Ways to Give Back</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season">8 Secrets to a Debt-Free Holiday Season</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-find-your-new-identity-after-retirement">How to Find Your New Identity After Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Personal Development charities Christmas christmas season Giving Back helping others holiday season volunteering Tue, 12 Dec 2017 09:00:09 +0000 Kat Tretina 2069140 at http://www.wisebread.com Save Big With a Dream Wedding Overseas http://www.wisebread.com/save-big-with-a-dream-wedding-overseas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-big-with-a-dream-wedding-overseas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/just_married_couple_in_paris_france.jpg" alt="Just married couple in Paris, France" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to an annual survey by wedding planning site The Knot, the <a href="https://www.theknot.com/content/average-wedding-cost-2016" target="_blank">average cost of a wedding</a> in the U.S. now comes in at a whopping $35,329. This figure has been steadily rising over the decade that the site has been completing the study, clearly showing that people are willing to splash out more and more for their dream day. However, having your fairy tale wedding doesn't necessarily have to come with a make-believe price tag. (See also: <a href="http://www.wisebread.com/people-are-still-spending-too-much-on-their-weddings?ref=seealso" target="_blank">People Are Still Spending Too Much on Their Weddings</a>)</p> <h2>Incorporate the honeymoon into the wedding</h2> <p>By honeymooning in the same destination that you're getting married, you can combine the two costs rather than paying for a separate trip. The honeymoon can be one of the most expensive parts of getting married, but this way you're already in your desired location, so there are no extra travel costs.</p> <p>If you're concerned about the prospect of your family and friends being present for your honeymoon, then consider switching hotels once you've said &quot;I do.&quot; On the other hand, for some people, having loved ones there for the entire occasion may be a bonus.</p> <h2>Fewer guests mean lower costs</h2> <p>There's a good chance having your wedding abroad will automatically cull the guest list for you, and probably quite drastically. While it's common for weddings in the U.S. to top 100 guests, no matter how popular you are, your overseas celebration is unlikely to attract those numbers.</p> <p>Lots of people who may ordinarily expect to attend simply won't be able to take the time off work or be willing to pay to travel that far away. This is a deal breaker for some brides and grooms, but for others, it's a welcome way to organically trim the guest list and, therefore, expenses.</p> <h2>Check out shoulder season</h2> <p>Traveling during peak season costs more money, and exactly the same applies for weddings, so it's best to avoid it. However, off-peak times in popular destinations usually coincide with poor weather, and the last thing you want is for your dream beach wedding to be interrupted by wind and rain.</p> <p>A great solution is to have your wedding during the shoulder season. This is the period that falls between the lousy weather and peak season, so you get the bonus of both decent weather and fewer crowds. It also means that costs will be lower for both you and your guests. (See also: <a href="http://www.wisebread.com/the-best-times-of-year-to-travel-anywhere?ref=seealso" target="_blank">The Best Times of Year to Travel Anywhere</a>)</p> <h2>Choose a weekday</h2> <p>Guests who are able to attend your overseas wedding will more than likely be planning to spend a few days, or potentially a week or more in your chosen destination. This means that having your wedding on a weekday is unlikely to further affect their ability to be present.</p> <p>As in the U.S., in most other countries Saturday is the most popular day to get married, and therefore the most costly. If you can avoid tying the knot on the weekend then you're going to see costs come down dramatically.</p> <h2>Redeem travel rewards</h2> <p>With all the big-ticket items you'll be buying for the wedding, now is the perfect time to <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?ref=internal" target="_blank">get started with travel rewards credit cards</a>. Start planning this as soon as possible because it will take you a while to accumulate enough travel rewards to make a significant difference in your wedding costs. If you're not already collecting travel rewards, then your first step will be to <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">choose the right credit card</a> for you.</p> <h2>Get married before the wedding</h2> <p>This may sound counterintuitive, but doing the legal part of the wedding before heading overseas could save you a lot of money, depending on where you plan on getting married. This is because each country has its own regulations and requirements you'll have to fulfill before being allowed to complete the ceremony there, which can be expensive and time consuming.</p> <p>Some countries require you to have been there for a fixed period of time before your ceremony, some require medical tests, and others have heaps of paperwork to complete. To save both the hassle and the expense you might encounter, the simplest option may be to have the official part of the ceremony completed in your home state.</p> <h2>Consider an all-inclusive wedding package</h2> <p>Though it can be cost effective to plan and book each detail of your wedding yourself separately, it's definitely worth looking into all-inclusive wedding packages. They will include all aspects of the wedding for a flat rate, which may help you budget and will definitely save you time.</p> <p>Resorts regularly have promotional packages available, particularly outside of peak season. You might be surprised at just how much you can save by considering an all-inclusive package.</p> <h2>Reduce decor costs</h2> <p>For many people, part of the reason for having an overseas wedding is incorporating a beautiful destination, the equivalent of which isn't available at home. This could be a white sand beach, a magnificent mountain backdrop, or a stunning garden to hold the ceremony in.</p> <p>One benefit of being surrounded by this natural beauty is that there's no need to go over the top with extra decor, so strip it back and let the location do the talking. Traditional decorations are extremely costly to buy or even rent, and the cost of things like favors and gifts can really add up. (See also: <a href="http://www.wisebread.com/how-to-save-big-on-everything-for-your-wedding?ref=seealso" target="_blank">How to Save Big on Everything for Your Wedding</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/save-big-with-a-dream-wedding-overseas">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/6-fun-affordable-travel-ideas-for-singles">6 Fun, Affordable Travel Ideas for Singles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</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-get-the-most-value-from-your-all-inclusive-vacation">11 Ways to Get the Most Value From Your All-Inclusive Vacation</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-affordable-destinations-for-people-who-love-to-fish">8 Affordable Destinations for People Who Love to Fish</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel destination wedding dream wedding travel overseas travel tips wedding wedding overseas wedding planning Thu, 07 Dec 2017 09:30:11 +0000 Nick Wharton 2067352 at http://www.wisebread.com The 5 Best Trekking Poles http://www.wisebread.com/the-5-best-trekking-poles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-trekking-poles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_trekking_poles_607735044.jpg" alt="Woman using best trekking poles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're an avid hiker, you need a good set of trekking poles. They're great for hiking, backpacking, climbing, camping, or anytime you need support while walking.</p> <h2>What are trekking poles?</h2> <p>Trekking poles are hiking sticks that can provide stability, increase balance, and help support your body to reduce stress on the knees, back, and joints. They can also tone the arms and even help you burn more calories on your next outdoor adventure.</p> <h2>Top 5 trekking poles</h2> <h3>BLACK DIAMOND Trail Back Trekking Poles</h3> <p><a href="http://amzn.to/2AyQXA4" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/black%20diamond.jpg" width="67" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2AyQXA4" target="_blank">BLACK DIAMOND Trail Back Trekking Poles</a> are the perfect set of three-section poles. They feature a nylon webbing strap with woven lining, nonslip EVA foam grip extension, and rubber handles with comfortable ribbing to reduce vibration. They also offer easy adjustment with Dual Flick Locks to better suit the terrain. These are tough, durable, and built to last. They're also frequently recommended online by publications like OutdoorGearLab.</p> <p><a href="http://amzn.to/2AyQXA4" target="_blank"><em>Currently $66.34 on Amazon</em></a></p> <h3>Montem Ultra Strong Trekking Poles</h3> <p><a href="http://amzn.to/2AyIrRG" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/montem.jpg" width="83" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2AyIrRG" target="_blank">Montem Ultra Strong Trekking Poles</a> have adjustable bolts for easy height adjustments on any terrain. The compact, ultralight aluminum poles feature nylon straps, EVA foam handles, Quick Lock lever lock, and carbide tungsten tips under rubber tips.</p> <p>The collapsible telescoping poles are available in a range of colors and include replaceable rubber tips, a storage clip, and mud baskets. They are an Amazon best-seller, have more than 500 five-star reviews on Amazon, and are recommended by The Wirecutter. They're durable, built to last, and backed by a one-year limited warranty and satisfaction guarantee.</p> <p><a href="http://amzn.to/2AyIrRG" target="_blank"><em>Currently $49.99 on Amazon</em></a></p> <h3>Hiker Hunger Carbon Fiber Trekking Poles</h3> <p><a href="http://amzn.to/2j14nyv" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hiker%20hunger.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2j14nyv" target="_blank">Hiker Hunger Carbon Fiber Trekking Poles</a> are easy to adjust and collapse thanks to a Quick Flip Lock. The compact, lightweight retractable poles feature ergonomic, moisture-wicking cork grip handles to minimize discomfort. The three-section poles reduce vibration and retain strength.</p> <p>These include tungsten carbide tips, rubber tips and feet, mud and snow baskets, nonslip EVA Foam Grip extensions, and a carry bag with wrist strap. They are an Amazon best-seller, have over 800 five-star reviews on Amazon, and are recommended by OutdoorGearLab. They're built to last and backed by a one-year manufacturer's warranty.</p> <p><a href="http://amzn.to/2j14nyv" target="_blank"><em>Currently $69.99 on Amazon</em></a></p> <h3>Cascade Mountain Tech Carbon Fiber Trekking Poles</h3> <p><a href="http://amzn.to/2j1p7WY" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cascade.jpg" width="245" height="176" align="right" alt="" /></a>The <a href="http://amzn.to/2j1p7WY" target="_blank">Cascade Mountain Tech Carbon Fiber Trekking Poles</a> have a Quick Lock feature which allows for simple height adjustments to suit any terrain. The lightweight, compact poles feature a nonslip grip with extensions, adjustable carbon fiber shafts, adjustable wrist straps, and durable tungsten carbide tips. They're available in different colors, with either a cork or neoprene handle. They are built to last and include interchangeable rubber tips and baskets. They have over 500 five-star reviews on Amazon and are frequently recommended online.</p> <p><a href="http://amzn.to/2j1p7WY" target="_blank"><em>Currently $50.79 on Amazon</em></a></p> <h3>BAFX Products Anti-Shock Trekking Poles</h3> <p><a href="http://amzn.to/2BGfS1L" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bafx.jpg" width="102" height="245" align="right" alt="" /></a>Amazon's #1 best-seller in trekking poles, the <a href="http://amzn.to/2BGfS1L" target="_blank">BAFX Products Anti-Shock Trekking Poles</a> easily expand using a twist locking system. They are made from lightweight, durable aluminum and feature a carbide or rubber tip, ergonomic grips, anti-shock mechanism, and adjustable wrist strap.</p> <p>This set is available in two different colors and includes two spare rubber tips and a mud basket. They have more than 3,000 five-star reviews on Amazon and are one of the &quot;Most Wished For&quot; items and top &quot;Gift Ideas&quot; on Amazon. They're also backed by a one-year warranty against defects.</p> <p><a href="http://amzn.to/2BGfS1L" target="_blank"><em>Currently $21.99 on Amazon</em></a></p> <p>And those are our recommendations for trekking poles. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-trekking-poles">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-swim-goggles-for-adults">The 5 Best Swim Goggles for Adults</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</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-eye-masks">The 5 Best Eye Masks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-umbrellas">The 5 Best Beach Umbrellas</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-backpacks">The 5 Best Backpacks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best hiking accessories hiking poles outdoor gear product reviews trekking poles Thu, 07 Dec 2017 09:01:09 +0000 Andrea Cannon 2068224 at http://www.wisebread.com 3 Ways Your Body Sabotages Your Money http://www.wisebread.com/3-ways-your-body-sabotages-your-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-your-body-sabotages-your-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/entrepreneur_yawning_in_office.jpg" alt="Entrepreneur Yawning In Office" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Humans share a common delusion when it comes to our actions: We like to believe that it's our brains running the show, and our bodies are just along for the ride. We trust our little gray cells to do the work of making sure we stick to the straight-and-narrow path while we are trying to reach our personal and financial goals.</p> <p>The problem is that our bodies have an impressive ability to sabotage all the good intentions of our brains. Before you assume that your cerebellum is up to the task of resisting your body's sabotage, remember that the following things can crush even the strongest of good intentions into dust. (See also: <a href="http://www.wisebread.com/5-mental-biases-that-are-keeping-you-poor?ref=seealso" target="_blank">5 Mental Biases That Are Keeping You Poor</a>)</p> <h2>Hunger saps your willpower</h2> <p>Those candy bar commercials are quite right when they point out that you're not you when you're hungry. While everyone has experienced the irritability associated with being a little &quot;hangry,&quot; what you might not realize is that your low blood sugar is also depleting your ability to withstand temptation.</p> <p>According to a 2007 self-control study by Matthew T. Gailliot and Roy F. Baumeister, your ability to exert self-discipline depends partially on your blood-glucose levels. This is the sort of thing that feels obvious when you go grocery shopping on an empty stomach, since you're feeling tempted by the very thing you lack. However, the relationship between self-discipline and blood-glucose levels is also behind your struggle to avoid other types of temptations. That's because, according to the researchers, &quot;self-control requires a certain amount of glucose to operate unimpaired.&quot;</p> <p>This is why it's much harder to avoid making impulse purchases when you're hungry. For instance, I recently forgot to grab a snack for myself right before taking my son to his weekly swim lesson. While I waited by the pool with my stomach rumbling, I found myself purchasing two new audiobooks from Audible on my phone, despite my commitment to refrain from spending more money on audiobooks. My willpower was destroyed by my hunger pangs.</p> <p>That's why I try to always carry a piece of fruit or other complex carbohydrate with me while I'm out. (That, and you wouldn't like my kids when they are hangry.) Having a quick snack can often nip temptations in the bud before they have a chance to disrupt your good financial intentions.</p> <h2>Lack of sleep impairs your judgment</h2> <p>We've all known the fuzzy feeling in our heads after an all-nighter. Since the wooziness disappears once you've gotten some sleep, we all tend to ignore the effects of sleeplessness since they are relatively short lived. After all, no one goes for days on end without sleep.</p> <p>Unfortunately, sleep deprivation has a much bigger effect on your cognitive abilities than you might realize. A 2000 study by A.M. Williamson and Anne-Marie Feyer found that going without sleep for 20 or more hours straight makes a person perform tasks as if they had a blood alcohol level of 0.1 percent, which is 0.02 percent over the legal limit for driving under the influence. The study was looking at how non-sleepers do while performing tasks requiring both speed and accuracy &mdash; such as the tasks necessary to drive a car.</p> <p>Of course, most people are not going without sleep for 20 hours. However, even a built-up sleep deficit accumulated by regularly getting only four or five hours of sleep per night can affect your mental acuity. In a 2006 interview with <em>The Harvard Business Review</em>, Dr. Charles A. Czeisler, the Baldino Professor of Sleep Medicine at Harvard Medical School wrote, &quot;[if you] average four hours of sleep a night for four or five days, [you] develop the same level of cognitive impairment as if [you'd] been awake for 24 hours.&quot;</p> <p>So what does this mean for your financial goals? Nothing good, I'm afraid. Your ability to make rational financial decisions is also seriously impaired when your mental acuity is suffering from sleep deprivation. Your sleep-deprived brain is less able to fulfill the sorts of executive functions necessary to predict outcomes and perceive the consequences of actions &mdash; which means you are more likely to make poor financial decisions when you are exhausted.</p> <h2>Arousal can erode your moral compass</h2> <p>You might believe that your morality is an integral part of who you are, but behavioral economists have shown that our belief systems can be thwarted when our bodies want something. With a racy experiment, author and researcher Dan Ariely demonstrated in his book <em>Predictably Irrational</em> that our commitment to various strongly-held beliefs decreases when we are in a state of sexual arousal.</p> <p>Ariely's experiment asked college-aged men how they felt about issues like fairness, gender equality, and safe sex. During the control &quot;cold&quot; state, these young men expressed commitment to moral, ethical, and responsible behavior. But after being exposed to sexual imagery, and entering into what scientists call a &quot;hot&quot; state, their beliefs were much more malleable.</p> <p>This malleability of beliefs is not confined to sexual arousal. The hot-cold empathy gap is the name for this change in behavior due to any number of bodily needs. The empathy gap describes the way in which it is difficult for someone who is not currently experiencing something like hunger, pain, or sexual arousal to recognize how much these states can affect their decisions. For instance, in a separate study, respondents in a 2003 survey were much likelier to rate thirst rather than hunger as the most unpleasant aspect of being lost in the woods if the respondents had just finished a cardio workout and were therefore thirsty. If they had not yet started their workout, the respondents rated hunger as being more unpleasant.</p> <p>This kind of empathy gap is the reason why we often wrongly predict that we will be able to resist temptation in the moment. When we are not currently faced with a temptation, we imagine ourselves as being the most rational and moral version of ourselves. But feeling hunger, pain, arousal, thirst, or other overwhelming bodily needs weakens our commitments to good behavior.</p> <p>In terms of your finances, that means an overwhelming thirst (or other need) could prompt you to spend money you had no intention of spending.</p> <h2>Outwitting your body</h2> <p>The good news is that just because our bodies do have the ability to override our brains, we are still smarter than our impulses. The trick is to recognize that you are not always the best version of yourself, and plan ahead for those moments.</p> <p>Carry snacks with you to make sure your blood-glucose level doesn't drop to finance-sabotaging depths. Make sure you get adequate sleep, and hide your credit cards when you know you'll have a few nights of sleeplessness. Assume that you're going to be the worst version of yourself when you're in pain, aroused, hungry, thirsty, or craving sugar. If you recognize that you'll have trouble avoiding temptation in those states, it's easier to structure activities so that you don't come into contact with temptations during those times at all.</p> <p>The most disciplined and intelligent savers aren't necessarily better at exerting willpower. They just know that they won't always be perfect, and they plan ahead for when their bodies, rather than their brains, are behind the wheel.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/3-ways-your-body-sabotages-your-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-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/11-money-habits-that-make-you-look-financially-immature">11 Money Habits That Make You Look Financially Immature</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-you-sabotage-your-financial-growth">9 Ways You Sabotage Your Financial Growth</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier">3 Ways Good Sleep Makes You Wealthier</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/do-you-always-keep-the-money-you-find">Do You Always Keep the Money You Find?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle bodily functions emotions hunger impulses judgment morality sabotage science sleep deprivation Spending Money thirst willpower Thu, 07 Dec 2017 09:01:06 +0000 Emily Guy Birken 2067208 at http://www.wisebread.com The 5 Best Swim Goggles for Adults http://www.wisebread.com/the-5-best-swim-goggles-for-adults <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-swim-goggles-for-adults" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_swimming_goggles_622193794.jpg" alt="Woman using best swim goggles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Swim goggles can enhance your swimming experience, whether you're in a pool or swimming outdoors. They can keep water and condensation away from your eyes so you can see clearly both above and below water.</p> <h2>What are swim goggles?</h2> <p>Swim goggles enclose and protect the area around the eyes, making them a must-have item for both beginner and expert swimmers. When you're shopping for swim goggles, you'll want to find something that provides great clarity, a comfortable fit, and anti-fog capabilities.</p> <h2>Top 5 swim goggles for adults</h2> <h3>Aqua Sphere Kayenne Swim Goggle</h3> <p><a href="http://amzn.to/2krP7ep" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aqua%20sphere.jpg" width="245" height="125" align="right" alt="" /></a>The <a href="http://amzn.to/2krP7ep" target="_blank">Aqua Sphere Kayenne Swim Goggles</a> feature curved, oversized Plexisol lens for a 180-degree wide field of vision, quick-fit push button buckle system, expanded visibility, and minimal visual distortion. The anti-fog, anti-scratch, leakproof lenses provide UV protection. They work in any lighting condition and can block glare on the water. The one-piece, hydrodynamic, super slim microframe is made of hypoallergenic Softeril and has a comfortable medium eye fit with easy adjustments and a comfortable silicone strap.</p> <p>These are available in various color and lens options. The Amazon best-sellers are recommended by The Wirecutter and Shape Magazine, and have more than 3,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2krP7ep" target="_blank"><em>Currently $20.32 on Amazon</em></a></p> <h3>Aegend Clear Swimming Goggles</h3> <p><a href="http://amzn.to/2BCMGZB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/aegend.jpg" width="245" height="243" align="right" alt="" /></a>Amazon's Choice for swim goggles for adults, the <a href="http://amzn.to/2BCMGZB" target="_blank">Aegend Clear No Leaking Anti-Fog UV Protection Triathlon Swim Goggles</a> come with a free protective case. The premium anti-fog, shatterproof, no-leak lenses come with UV protection. It has a 3D ergonomic design, flexible silicone frame and gasket, double-deck seal design, and easy-strap buckle. The light blue and clear lens offer better clarity.</p> <p>These are backed by a hassle-free 12-month guarantee and more than 3,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2BCMGZB" target="_blank"><em>Currently $12.99 on Amazon</em></a></p> <h3>Speedo Vanquisher 2.0 Mirrored Swim Goggle</h3> <p><a href="http://amzn.to/2B3sZhB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/speedo.jpg" width="245" height="124" align="right" alt="" /></a>The <a href="http://amzn.to/2B3sZhB" target="_blank">Speedo Vanquisher 2.0 Mirrored Swim Goggles</a> includes soft silicone eye seals and interchangeable, adjustable nosepieces so you can achieve a custom fit. The anti-fog lenses offer UV protection and prevent water condensation for better clarity. The mirrored lens coating helps reduce glare. They have a snug, low profile inner eye fit and two-tone silicone double head strap for a better fit.</p> <p>These are available in a range of colors. The Amazon best-sellers are recommended by Shape Magazine and have more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2B3sZhB" target="_blank"><em>Currently $16.99 on Amazon</em></a></p> <h3>i SWIM PRO Swimming Goggles</h3> <p><a href="http://amzn.to/2jjRV9O" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iswim.jpg" width="245" height="183" align="right" alt="" /></a>The <a href="http://amzn.to/2jjRV9O" target="_blank">i SWIM PRO Swimming Goggles</a> have a comfortable fit thanks to soft silicone gaskets, flexible nose pieces, and a quick release clasp. The anti-fog, anti-shatter lenses offer UV protection, crystal clear vision, and 180-degree vision. They're also watertight and easy to adjust.</p> <p>The Amazon best-sellers are built to last. They're available in a number of colors and come with a strong protective case and free nose clip and ear plugs. They are backed by more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jjRV9O" target="_blank"><em>Currently $11.97 on Amazon</em></a></p> <h3>U-FIT Performance Swimming Goggles</h3> <p><a href="http://amzn.to/2kqQmu0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ufit.jpg" width="245" height="225" align="right" alt="" /></a>The <a href="http://amzn.to/2kqQmu0" target="_blank">U-FIT Performance Non-Leaking Anti-Fog UV Protection Triathlon Swim Goggles</a> have a double layer seal and offer 180-degree wide vision. The 3D memory silicone goggles have a quick release strap for easy adjustments. The anti-fog, anti-shatter lenses have UV protection and offer better clarity.</p> <p>These are available in two colors and include ear and nose plugs and a protection case. They're backed by a satisfaction guarantee and more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kqQmu0" target="_blank"><em>Currently $18.99 on Amazon</em></a></p> <p>And those are our recommendations for the best swim goggles for adults. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-swim-goggles-for-adults">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-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-umbrellas">The 5 Best Beach Umbrellas</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-rain-jackets-for-men">The 5 Best Rain Jackets for Men</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-eye-masks">The 5 Best Eye Masks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best goggles product reviews shopping swim goggles swimming Wed, 06 Dec 2017 09:00:09 +0000 Andrea Cannon 2067669 at http://www.wisebread.com How to Master These 10 Shopping Skills Before You Hit 30 http://www.wisebread.com/how-to-master-these-10-shopping-skills-before-you-hit-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-master-these-10-shopping-skills-before-you-hit-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_with_shopping_bags.jpg" alt="Young woman with shopping bags" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your 20s are a time of making mistakes, and getting away with being irresponsible from time to time. By the time you hit 30, however, you should learn from those past mistakes, and have your life together, and that includes managing your finances. Part of that overarching concept includes being able to shop savvy so you can save more of your heard-earned cash. Not an easy skill to master, but these tips will give your budget a boost.</p> <h2>1. Comparing prices</h2> <p>Perhaps the most basic shopping skill you need to master is how to compare prices to score the best deals. This takes practice, of course &mdash; you need to know what you're looking for and where to look for it &mdash; but once you've got that down, you can save <em>thousands of dollars</em> a year.</p> <p>Everything from computers to cars, and groceries to getaways are ripe for comparison, and all of it is made much easier by the internet. Spend some time digging to compare the prices across multiple sites. You may be surprised at the disparity in prices across retailers, but that's how our economy works. In this proverbial money-spending competition, only the smartest buyers survive. Invoke your inner Darwinism to always come out on top.</p> <h2>2. Negotiating major purchases</h2> <p>Despite the popularity of online shopping, there are still some things you have to buy in person, and that involves negotiating on price. From haggling with the local flea market vendor to shaking down the car salesman, negotiating skills are essential to getting the fairest and sometimes lowest price available. This can be an intimidating process &mdash; who will buckle first in this financial faceoff? &mdash; but a lack of confidence where your money is concerned will only put a deeper dent in your wallet than is necessary. A big mistake in this area is strictly thinking in dollars and cents. There are other ways to enhance your purchase's value without straight cash back.</p> <p>Mike Catania, chief technology officer of the money-saving site PromotionCode, offers a pro-tip on the back-and-forth of the best deals.</p> <p>&quot;Understand that salespeople get paid on commission, typically X percent over a certain amount,&quot; he explains. &quot;Rather than attacking the commissionable price, make offers around it. Ask for a $200 gift card on top of the appliance or the washer/dryer stands to be included and delivered the same day for free. Your job isn't to punish the salesperson, but to extract the most value that you can from the transaction, and that means thinking outside the box and genuinely understanding the position of the salesperson.&quot; (See also: <a href="http://www.wisebread.com/8-negotiating-skills-everyone-should-master?ref=seealso" target="_blank">8 Negotiating Skills Everyone Should Master</a>)</p> <h2>3. Evaluating competing products</h2> <p>It's not just comparing MSRP pricing that will help you determine the best deal or value. Often you have to consider other factors, like consumer reviews, available promos or discounts, add-ons and freebies, warranties, and overall brand quality. I also like to rely on recommendations from family and friends and try things in person so I can get a good look and feel for the product. I don't know how many times I've thought an item looked great online just to get it in my home and hate it. Photos alone can be deceiving, which is why it's essential to do more diligent research on what you're buying, especially if the cost is considerable. (See also: <a href="http://www.wisebread.com/how-to-spot-a-fake-review?ref=seealso" target="_blank">How to Spot a Fake Review</a>)</p> <h2>4. Separating quality from quantity when clothes shopping</h2> <p>I've always been a clothing junkie, but as I've gotten older, I focus more on the <em>quality </em>of my clothing (because the clothing I like to wear isn't cheap), rather than quantity of having <em>more</em> things to wear. The issue sort of works itself out, though, since quality clothing lasts longer than the cheap stuff I'd pick up. My closet is full of variety as a result of the durable, stylish, classic clothing that I've amassed over the years.</p> <p>Lindsay Sakraida, director of content marketing with DealNews, agrees.</p> <p>&quot;Shopping maturity often means learning the value of spending more on fewer items, so you can shop less in the long run,&quot; she says. &quot;When it comes to clothing and accessories, it can be tempting to keep adding more to your closet, especially when you're looking at cheap, fast fashion. This desire is sometimes present because we want more variety, but often it's because what we're buying isn't satisfying. But if you find a high-quality item that fits like a glove and flatters your body so much that it looks like you've lost weight, you're unlikely to feel the same drive to buy more. You'll feel satisfied with what you've got because you feel good every time you wear it. Often these items cost more, which can be a difficult pill to swallow, but when you take the plunge and see how it affects your other purchases, you may realize that you spend less in the long run.&quot; (See also: <a href="http://www.wisebread.com/9-qualities-to-look-for-in-well-made-clothing?ref=seealso" target="_blank">9 Qualities to Look for in Well-Made Clothing</a>)</p> <h2>5. Determining want versus need</h2> <p>I like shopping alone because nobody gets in my head about what I'm buying or judges my purchases, but sometimes it's helpful to employ the buddy system when I've got money to burn so I don't make stupid spending decisions. A good friend will be that little voice on your shoulder helping you decide whether you want or need something, and almost always it's just a want, and not a need. You'll curl your lip at the friend in the moment &mdash; because who asked you, Rachel? &mdash; but you should know the difference by the time you turn 30 unless you want to live in your parents' basement forever surrounded by all your expensive impulse-buys. (See also: <a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys?ref=seealso" target="_blank">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a>)</p> <h2>6. Learning how to just say no</h2> <p>Saying &quot;no&quot; is another shopping skill that sometimes only comes with age.</p> <p>&quot;It's so easy to consider an item on sale and think 'It's so cheap, why not buy it?'&quot; Sakraida says. &quot;But instead, you have to learn to force yourself to consider, <em>Why</em> <em>should</em> <em>I buy it?</em>, regardless of how reasonable the price tag is. A cheap buy is still worthless if it doesn't fit a need or improve your life in a tangible, consistent way.</p> <h2>7. Identifying the right times to buy things</h2> <p>Timing can be everything when it comes to saving money when you shop, like keeping an eye on deals around the holidays or waiting until your birthday to scoop up loyalty or email marketing deals that are coming your way. In addition, there are actually certain times of the week that are best to make various purchases, like airline tickets and appliances.</p> <p>Adds Sakraida, &quot;These days, it doesn't take long for a store to offer a promotion of some kind, so it's easy to save at least 20 percent on new merchandise. Wait even longer to about midseason, and you could save closer to 40 percent, and waiting until the end-of-season clearance will nab you up to 75 percent off.&quot;</p> <h2>8. Seeing the value in used goods</h2> <p>I've always loved saving money, so thrift shopping, secondhand buys, and used merch is right up my alley. But not everyone is on board. I can't make you feel OK about it &mdash; some people just don't like the idea of having or wearing something somebody else owned &mdash; but if you can get over this aversion, you'll save a heck-ton of cash.</p> <p>&quot;In your 20s you're probably furnishing your first home or apartment, which can be expensive,&quot; says Anna Brockway, co-founder of Chairish, an online marketplace for used home décor. &quot;My number one shopping tip is to buy vintage furniture instead of buying new. In most cases, vintage furniture costs 70 to 80 percent less, and it's much better made and has more character and style than mass-produced stuff. Vintage is great way to stylishly communicate your personal style and point of view, which is another skill you'll want to master by 30.&quot; (See also: <a href="http://www.wisebread.com/8-things-you-should-always-buy-used?ref=seealso" target="_blank">8 Things You Should Always Buy Used</a>)</p> <h2>9. Avoiding shopping hungry, emotional, or drunk</h2> <p>I was recently home alone on a Friday night getting to know a bottle of wine when I flipped to the Evine home-shopping channel to get a few holiday gift ideas. A cookie jar, beauty box, and bakeware set later, I was $140 poorer. I'm 36 years old and I know better than to drink and shop. We all make mistakes, but try your best to avoid shopping when you're hungry, emotional, or tipsy. You're not in the right head space during these times, and your lack of judgment will cost you, at any age. (See also: <a href="http://www.wisebread.com/how-to-prevent-a-drunken-online-shopping-spree?ref=seealso" target="_blank">How to Prevent a Drunken Online Shopping Spree</a>)</p> <h2>10. Knowing your shopping triggers and staying away from them</h2> <p>What triggers you to open your wallet? Clothing? Cosmetics? Caramel macchiatos?</p> <p>It's OK to treat yourself every now and again, but if you know that your will power is severely challenged by one thing or another, avoid that thing. Don't go to the mall or the makeup counter or your local coffee shop. You can satisfy these urges in other, cheaper ways. Plus, by the time you're 30, you should be better at practicing self-discipline. (See also: <a href="http://www.wisebread.com/how-to-tell-youve-become-a-financial-grownup?ref=seealso" target="_blank">How to Tell You've Become a Financial Grown-up</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-master-these-10-shopping-skills-before-you-hit-30&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Master%2520These%252010%2520Shopping%2520Skills%2520Before%2520You%2520Hit%252030.jpg&amp;description=How%20to%20Master%20These%2010%20Shopping%20Skills%20Before%20You%20Hit%2030"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Master%20These%2010%20Shopping%20Skills%20Before%20You%20Hit%2030.jpg" alt="How to Master These 10 Shopping Skills Before You Hit 30" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/how-to-master-these-10-shopping-skills-before-you-hit-30">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/gift-giving-etiquette-to-get-you-through-the-holidays">Gift Giving Etiquette to Get You Through the Holidays</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/simplify-your-life-with-these-27-monthly-subscription-services">Simplify Your Life With These 27 Monthly Subscription Services</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-better-ways-to-spend-1000-than-on-the-new-iphone">12 Better Ways to Spend $1,000 Than on the New iPhone</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-trekking-poles">The 5 Best Trekking Poles</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 30-something life skills shopping skills shopping tips turning 30 Mon, 04 Dec 2017 09:30:11 +0000 Mikey Rox 2065228 at http://www.wisebread.com 8 Life Lessons I’ve Learned from Self-Employment http://www.wisebread.com/8-life-lessons-i-ve-learned-from-self-employment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-life-lessons-i-ve-learned-from-self-employment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_at_cafe.jpg" alt="Woman working at cafe" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In 2011, I started a side hustle that would ultimately lead to self-employment. I didn&rsquo;t know at the time that I would become my own boss one day. But you know how life can be; sometimes the stars align and you end up doing <em>exactly</em> what you were meant to be doing all along.</p> <p>And it didn&rsquo;t take me long to figure out I was, in fact, in the ideal career for my personality and talents. So, after a successful year of part-time work, I quit my steady professional job in 2012 to begin a career as a blogger and online content creator.</p> <p>Since those early days, my husband has come home to work with me, our profits have grown, and our business dealings (and taxes) have become a lot more complex. Where I was once a novice at all things self-employment, I feel like I <em>finally </em>know what I&rsquo;m doing.</p> <p>Of course, most of our biggest lessons were learned the hard way &mdash; by messing things up and figuring out how to fix them. I also learned a ton about what <em>not </em>to do just by realizing my own mistakes.</p> <p>Here are some of the lessons I&rsquo;ve learned about self-employment, and why I don&rsquo;t think I could ever go back to my old life. (See also: <a href="http://www.wisebread.com/6-moves-every-first-year-freelancer-should-make?ref=seealso" target="_blank">6 Moves Every First Year Freelancer Should Make</a>)</p> <h2>1. With self-employment, you reap what you sow</h2> <p>At my old office job, there were days when I would sit and stare at the clock for hours, counting down to 5 p.m. so I could leave. Even when there wasn&rsquo;t enough work to fill my day, I still got paid for being there.</p> <p>But self-employment is an entirely different animal. When you work for yourself, slacking off means taking money from your own pocket. When you run out the clock or don&rsquo;t do your best, you&rsquo;re only hurting yourself. You don&rsquo;t get paid for showing up (not to mention vacations and sick days!), nor will you automatically get a salary bump each year or be in line for a promotion. You have to reach for your potential on your own &mdash; grow your skills, raise your rate, and land your clients.</p> <p>Once I became self-employed, I realized that <em>I </em>was the one in charge of my own destiny. If I wanted full-time results, I had to put in everything I had. So that&rsquo;s exactly what I&rsquo;ve learned to do. (See also: <a href="http://www.wisebread.com/day-job-or-freelance-which-is-right-for-you?ref=seealso" target="_blank">Day Job or Freelance: Which Is Right for You?</a>)</p> <h2>2. You can&rsquo;t avoid taxes, so you might as well plan for them</h2> <p>Paying taxes as an employee isn&rsquo;t that painful. Although you can see how much is withheld from each paycheck you receive, the money is gone before you really see it. And as long as you set your withholdings up the right way, you shouldn&rsquo;t owe too much money come April 15.</p> <p>But self-employment taxes can really hurt, and they start hurting even more as your income grows. Since you don&rsquo;t have money withheld from your paycheck, you have to make a payment each quarter for <a href="http://www.wisebread.com/avoid-irs-penalties-with-this-simple-estimated-payment-strategy?ref=internal" target="_blank">estimated taxes</a>.</p> <p>I hate writing those checks every three months, but it&rsquo;s a lot easier to handle when you have the money already set aside. Over time, I&rsquo;ve learned to set aside around 30 percent of my income as I earn it so I&rsquo;m ready to pay my tax bill when the time comes. (See also: <a href="http://www.wisebread.com/how-to-budget-consistently-without-a-steady-paycheck?ref=seealso" target="_blank">How to Budget Consistently Without a Steady Paycheck</a>)</p> <h2>3. Living below your means is the best way to deal with an unpredictable income</h2> <p>While we always earn more than enough money to pay our bills each month, our monthly income often fluctuates by thousands of dollars. This is an inevitable part of self-employment, but it&rsquo;s one I&rsquo;ve gotten used to.</p> <p>Since I hate owing money or feeling like I don&rsquo;t have enough, I decided early on in self-employment that I wanted to keep our bills as low as possible. As a result, we live well below our means. We don&rsquo;t have any credit card debt, we don&rsquo;t have any expensive hobbies or toys, and our house payment is less than 10 percent of our gross income. Even though we could afford to live a little more lavishly, I&rsquo;ve found the peace of mind that comes with living below our means is well worth it. (See also: <a href="http://www.wisebread.com/6-moves-every-first-year-freelancer-should-make?ref=seealso" target="_blank">6 Moves Every First Year Freelancer Should Make</a>)</p> <h2>4. When it comes to health care, you&rsquo;re on your own</h2> <p>One of the biggest drawbacks of self-employment is the fact you don&rsquo;t have any benefits unless you buy them. This means buying your own health insurance plan, purchasing your own life insurance, and paying all your dental bills out-of-pocket. (See also: <a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs?ref=seealso" target="_blank">How the Self Employed Can Cut Health Care Costs</a>)</p> <p>While health care has always been a struggle, we are finally at a place where we&rsquo;re happy with what we have. We have tried a few different plans over the years, but we ultimately ended up in a health care sharing ministry called Liberty Healthshare after the Affordable Care Act was passed.</p> <p>In terms of dental care, our local dentist offers a $799 per year for a family plan that includes two cleanings with X-rays for all of us plus a 20 percent discount on dental work.</p> <p>None of this is ideal, but it&rsquo;s the price we pay for self-employment and something we&rsquo;ve had to get used to. (See also: <a href="http://www.wisebread.com/10-work-perks-you-cant-get-as-a-freelancer?ref=seealso" target="_blank">10 Work Perks You Can't Get as a Freelancer</a>)</p> <h2>5. Saving for retirement is not that hard</h2> <p>A lot of people assume that health care and retirement are the biggest issues facing the self-employed. Personally, I&rsquo;ve found that, while dealing with health care is a pain, retirement planning is a breeze.</p> <p>You don&rsquo;t need to have an employer to set up a retirement plan. We set up our own SEP IRA and Roth IRA plans with Vanguard when we first got started, but have since transitioned to Solo 401(k) plans instead. Either way, Vanguard funds are some of the least expensive available, and you can find all kinds of resources online to help you choose the right funds. When in doubt, you can even buy target date funds that automatically adjust for risk based on the year you want to retire. (See also: <a href="http://www.wisebread.com/a-simple-guide-to-retirement-plans-for-the-self-employed?ref=seealso" target="_blank">A Simple Guide to Retirement Plans for the Self-Employed</a>)</p> <h2>6. You have to set limits on yourself</h2> <p>When you work a nine-to-five job, you can leave your work at the office and enjoy your free time at home. When your work is <em>at home</em>, on the other hand, it can be very challenging to separate your personal time from your work time. If you&rsquo;re not careful, you end up working all the time.</p> <p>I&rsquo;ve fallen into the habit of working 50-hour weeks several times over the years, but I try really hard not to. These last few years, I have tried to work only when my kids are in school, or during the hours of 8 a.m. to 3:40 p.m. Once they get home, I put my computer away to do housework and spend time being a mom. It doesn&rsquo;t always work out that way, but I have a much better work-life balance when I set clear limits for myself. (See also: <a href="http://www.wisebread.com/the-5-biggest-mistakes-people-make-when-working-from-home?ref=seealso" target="_blank">The 5 Biggest Mistakes People Make When Working From Home</a>)</p> <h2>7. Freedom is better than PTO</h2> <p>If I had a dollar for each time a person asked me if I missed having paid time off, I would be rich! For some reason, people assume that not having paid vacation is a huge drawback of self-employment.</p> <p>While it may be a downside for some people, I am more than happy to forgo paid vacation in order to set my own hours and work when I want. With the freedom to make my own schedule, I can work ahead any time I take a trip. And I never have to ask permission, either.</p> <p>At the end of the day, I value freedom over paid vacation and sick days &mdash; even if that means working during vacation or having fewer days off each year. (See also: <a href="http://www.wisebread.com/freelance-your-way-to-more-income-and-flexibility?ref=seealso" target="_blank">Freelance Your Way to More Income and Flexibility</a>)</p> <h2>8. I wouldn&rsquo;t trade self-employment for the world</h2> <p>The final lesson I&rsquo;ve learned from self-employment is that, for me, this was a one-way street. Even though self-employment isn&rsquo;t perfect, I couldn&rsquo;t imagine going back to a regular job now.</p> <p>I truly enjoy the challenge of figuring out how to earn a living without a steady salary. I am used to putting my head down and working hard to achieve my goals without having to make small talk or drive to an office. And I love the fact I can earn more money by working harder, instead of relying on someone else to determine how much money I make. Even though my income varies widely and I don&rsquo;t have any benefits, I have something more important &mdash; real freedom to live my life how I want.</p> <p>No job is perfect, and that&rsquo;s certainly true when you work for yourself. But self-employment lets me bet on myself every day of the week &mdash; and it doesn&rsquo;t get any better than that. (See also: <a href="http://www.wisebread.com/8-signs-the-9-to-5-is-right-for-you?ref=seealso" target="_blank">8 Signs the 9-to-5 IS Right for You</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-life-lessons-i-ve-learned-from-self-employment&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Life%2520Lessons%2520I%25E2%2580%2599ve%2520Learned%2520from%2520Self-Employment.jpg&amp;description=8%20Life%20Lessons%20I%E2%80%99ve%20Learned%20from%20Self-Employment"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Life%20Lessons%20I%E2%80%99ve%20Learned%20from%20Self-Employment.jpg" alt="8 Life Lessons I&rsquo;ve Learned from Self-Employment" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/8-life-lessons-i-ve-learned-from-self-employment">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-life-skills-every-freelancer-needs">8 Life Skills Every Freelancer Needs</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-three-secrets-to-a-successful-family-business">The three secrets to a successful family business</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well">11 Freelance Jobs That Pay Surprisingly Well</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Lifestyle blogger entrepreneur freelancer self-employed self-employment work from home Fri, 01 Dec 2017 09:30:05 +0000 Holly Johnson 2059321 at http://www.wisebread.com How to Find Your New Identity After Retirement http://www.wisebread.com/how-to-find-your-new-identity-after-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-find-your-new-identity-after-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_black_boy_embracing_grandfather.jpg" alt="Young black boy embracing grandfather" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people work for at least 35 years before they decide to retire. This provides ample time for a person's job to become one of the most stable parts of their identity.</p> <p>A lot of retirees end up feeling lost once their career is no longer part of their everyday life. Without the identity that their job provided them, they don't know who they are anymore. Some retirees end up going back to work, while others eventually find their way through to a fulfilling second act. If you are retiring or thinking about retiring, here are some ways to make the transition to your new life smoother. (See also: <a href="http://www.wisebread.com/6-things-you-might-do-on-your-first-day-of-retirement?ref=seealso" target="_blank">6 Things You Might Do on Your First Day of Retirement</a>)</p> <h2>1. Volunteer for your favorite nonprofit</h2> <p>Most of us have a nonprofit or two that we support and would love to do more for, if only there were time. Well, guess what? When you retire, you will finally have that time. Why not invest it in an organization that means something to you? You can volunteer at your local animal shelter, church, homeless shelter, or any other organization you've always wanted to offer a helping hand to.</p> <p>If you think you will miss your job or you have professional skills that you want to continue using, you can almost always find a way to use them in the nonprofit sector. Many retirees end up having a voice on the board of their favorite nonprofit, maintaining the books, or using their interpersonal skills to provide friendship and counsel to vulnerable populations, such as at-risk teens, elderly people, or refugees. If you have the interest, the skill, and the time, you can always find a place that needs what you're offering.</p> <h2>2. Focus on relationships</h2> <p>When life is busy, it can be hard to focus on relationships. As you look toward retirement, think about the relationships you want to invest more time in. Maybe you can finally take your spouse out to dinner every month, like you've wanted to do since you got married. Maybe you want to baby-sit your grandchildren once a week to develop a closer bond with them.</p> <p>Investing in relationships can be an adjustment at first, especially if the people around you aren't used to you having so much time available. If you persist, though, you may find that you get to know your loved ones better than you ever did before.</p> <h2>3. Find a part-time gig</h2> <p>Retirement is the perfect time to find a part-time job doing something you've always wanted to do. Maybe you adore animals, and now you finally have the time to put in a few hours a week at a boarding facility. If you love plants, you can probably find part-time work at your local nursery. If antiques have always been your hobby, look for work at a shop or auction house.</p> <p>See this as an opportunity to explore interests that you couldn't explore before. If you're truly interested, willing to learn, and humble, you can find work where you can learn about almost anything. (See also: <a href="http://www.wisebread.com/6-cool-jobs-for-retirees?ref=seealso" target="_blank">6 Cool Jobs for Retirees</a>)</p> <h2>4. Follow your dreams</h2> <p>Most of us have things we've always wanted to do but just couldn't get into because of the time involved. Retirement is the perfect chance to pursue these opportunities. Think about taking up an instrument, learning to paint, or finally getting that degree you've always put off pursuing. You may even want to start a small business or look at selling something that you make on the side.</p> <p>Remember that you're never too old to start or learn something new. Whatever it is that you have always wanted to know, do, or be, you have the chance to pursue that after retirement, as long as you don't stand in your own way.</p> <h2>5. Look for open doors</h2> <p>One of the best things about being retired is that you can do what you want, when you want. You can also change course at any time if something isn't working out the way you wanted it to. This means that there's no reason not to go after something, even if it doesn't end up working out. Because you have freedom with your time, you can go through any and all of the doors that open to you, since you can always change your mind later.</p> <p>If you aren't sure what to pursue after retirement, keep an open mind. Try to see everything around you as a potential opportunity. When a door opens or an offer is made, walk through it. If it doesn't work out, something else will come along eventually.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-find-your-new-identity-after-retirement&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Find%2520Your%2520New%2520Identity%2520After%2520Retirement%2520%25281%2529.jpg&amp;description=How%20to%20Find%20Your%20New%20Identity%20After%20Retirement"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Find%20Your%20New%20Identity%20After%20Retirement%20%281%29.jpg" alt="How to Find Your New Identity After Retirement" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-to-find-your-new-identity-after-retirement">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/im-financially-free-now-what">I&#039;m Financially Free. Now What?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-youre-making-all-the-right-moves-for-retirement">8 Signs You&#039;re Making All the Right Moves for Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-organizations-that-need-your-help-during-christmas">7 Organizations That Need Your Help During Christmas</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/these-5-expenses-will-probably-cost-you-a-lot-less-in-retirement">These 5 Expenses Will Probably Cost You a Lot Less in Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Retirement family hobbies identity crisis part-time jobs relationships self improvement volunteering Mon, 27 Nov 2017 10:00:06 +0000 Sarah Winfrey 2057595 at http://www.wisebread.com How to Prepare Your Kids to Live On Their Own http://www.wisebread.com/how-to-prepare-your-kids-to-live-on-their-own <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-prepare-your-kids-to-live-on-their-own" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_young_girl_with_her_mother_making_dough.jpg" alt="Happy young girl with her mother making dough" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Raise your hand if you have a young adult in your life who isn't ready for the &quot;real&quot; world.</p> <p>It's incredibly common for 20-somethings (and even 30-somethings) to be a little more than clueless when it comes to living on their own. Being able to sustain your independence with both your money and lifestyle is a skill that everyone needs to learn, and every parent needs to start teaching while their kids are still young.</p> <p>The good news is, this is very doable. If you're currently trying to mold impressionable youngsters into self-sufficient adults, here's how you can protect them from a very rude awakening when they go it alone.</p> <h2>1. Teach them basic life skills</h2> <p>I'm fortunate to have grown up in a family of blue-collar Americans who relied on their own wits and two bare hands to get by, and they were eager to pass their skills down to their children and grandchildren. Some of those skills took (I make a mean Bundt cake and clean the house with maid-like results), while others are still a work in progress (I call AAA when I have a flat tire; might as well get my money's worth, right?).</p> <p>These basic life skills should be required teaching at home because your kids won't learn them any place else. I'm a huge advocate for integrating this sort of education into the public school curriculum &mdash; because honestly, what teenager needs to know calculus over income tax prep? &mdash; but as it stands, that responsibility falls to you. (See also: <a href="http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school?ref=seealso" target="_blank">7 Life Skills Your Kids Won't Learn in School</a>)</p> <p>As such, it's on you to school your offspring on all of life's dirty little jobs, including but not limited to:</p> <ul> <li> <p>Laundry and other household chores.</p> </li> <li> <p>Grocery shopping, meal prep, and cooking for themselves.</p> </li> <li> <p>Integrating coupons and discounts into their everyday purchases.</p> </li> <li> <p>How credit and debit cards work.</p> </li> <li> <p>How interest rates affect loans.</p> </li> <li> <p>The difference between paying in cash versus relying on credit.</p> </li> <li> <p>How to prepare a resume.</p> </li> <li> <p>How to interview for a job (and not look like a slob).</p> </li> <li> <p>How to comprehend basic contracts.</p> </li> <li> <p>How to drive or use public transportation.</p> </li> <li> <p>How to make and stick to a budget.</p> </li> </ul> <h2>2. Manage their money for their first year of employment</h2> <p>Adults spend their money on frivolous things a lot of the time &mdash; so what do you expect kids to do? As soon as they get a job and start bringing home the bacon, they're rushing straight to their favorite stores for new clothes, taking their boyfriend or girlfriend out on a nice date, and loading up on drive-thru junk food.</p> <p>We all did it.</p> <p>You can curb that behavior by sitting your kid down and letting them know that the Bank of Mom and/or Dad will be in charge of their income for the first year of their first job. Offering them this kind of hands-on guidance and advice is a good way to teach teens how to save and spend wisely.</p> <p>Open two accounts in their name &mdash; checking and savings &mdash; and put 40 percent of their paycheck into each of those accounts. Give them the leftover 20 percent to do whatever they'd like. When expenses arise for which you don't feel responsible, like if they receive a speeding ticket or want to go away for the weekend with friends, explain how the money will come from <em>their</em> checking account to pay for it. You may get some resistance at first, especially if they're used to you forking cash over, but they'll thank their lucky stars they know how to manage money when they strike out on their own.</p> <h2>3. Charge them rent to live in your home once they turn 18</h2> <p>Your kids are adults the day they turn 18 &mdash; a fact that your teenager has probably reminded you of a million times since they started high school &mdash; and it's high time you started treating them accordingly. If they want to be grown-ups with no rules and no curfew but still live under your roof, you have every right to ask for help with the bills.</p> <p>You don't have to charge them fair market value, but a couple hundred bucks a month, or even putting them in charge of a particular bill, is reasonable. I'm also a proponent of teens paying their own cellphone bill starting at age 18. They'll certainly learn to be more responsible with their phones when repairs or replacements are coming out of their own pockets.</p> <h2>4. Help them establish good credit and explain the importance of it</h2> <p>I didn't know anything about how credit worked before I got my first credit card. Given that naiveté, I went on a shopping spree as soon as the card was in my hands, and I didn't/couldn't pay the bill until seven years later. That's what can happen when a clueless 18-year-old gets their hands on a shiny piece of plastic. And in my case, it royally screwed up my credit for a long time.</p> <p>Help your kids avoid my mistake by talking to them about how credit works and the importance of being conscious about building and maintaining a good credit score. Educate them on how good credit affects major purchases like cars and houses and even renting apartments. Their livelihood depends on it &mdash; unless, of course, you want them to live with you forever. (See also: <a href="http://www.wisebread.com/4-questions-to-answer-before-giving-your-kid-a-credit-card?ref=seealso" target="_blank">4 Questions to Answer Before Giving Your Kid a Credit Card</a>)</p> <h2>5. Provide less for them once they start driving</h2> <p>As your child's parent or guardian, it's your legal responsibility to provide for them until they're able to provide for themselves. But you can start to cut back on the handouts as soon as they're responsible enough to drive.</p> <p>Certainly you still need to feed, clothe, and provide housing for your child, but they can start doing more for themselves, too. They can run to the store for their own hair product when they run out, open their own wallets for the video games they covet, and even make their own dentist and doctor appointments. Think of it as an education in independence with training wheels. You're still around to guide them through the processes, but they should start accepting tasks as their own.</p> <h2>6. Teach them time management skills</h2> <p>My friends make fun of me for how much I micromanage my own time. Anything I have to do goes straight into my calendar, and I keep a daily to-do list at work while creating side lists on an as-needed basis. As a result, my life runs much smoother.</p> <p>Considering your kids &mdash; especially high-schoolers &mdash; have busy schedules (for which they likely rely on you to keep on track), it will eventually benefit them for you to teach good time-management skills. Teach them how to add to-dos to their smartphone calendars as soon as they receive them, set up alerts for reminders, and help them form a habit of checking their schedule on a daily basis to keep their lives running smoothly.</p> <h2>7. Step back when they have a problem until your help is absolutely required</h2> <p>A large part of maturing to adulthood is learning how to solve problems on your own, and that means you need to let your children make mistakes from time to time &mdash; even when they come to you looking for the easy way out.</p> <p>&quot;There is a tendency for parents to step in too quickly when their children face a problem,&quot; says Jim Seibold, a marriage and family therapist in Arlington, Texas. &quot;Instead of telling them what to do and how they need to fix it, push them to think through options. Ask them what they think they should do. We can then teach by asking them to think about the consequences of their ideas. For instance: 'That sounds interesting, what do you think would happen if you tried that?'&quot;</p> <p>Just as importantly, this approach expresses confidence in your kids. It lets them know that you believe in their ability to think and consider choices, which will be helpful when it's time for them to move out of the house. That alone can be worth its weight in gold for worrisome moms and dads. (See also: <a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money?ref=seealso" target="_blank">4 Parenting Mistakes to Avoid When Teaching Kids About Money</a>)</p> <h2>8. Stop giving them everything they want or think they need</h2> <p>I wasn't deprived of anything growing up, but I wasn't handed everything I wanted, either. Around age 14, my parents encouraged me to start working part time for the money I needed to go out with my friends or buy the things that teenagers want to buy. I wasn't over the moon about it at the time, but I also didn't hate it &mdash; I made new friends, had a sense of freedom, and did what I pleased with my money. In hindsight, it helped lay the foundation of my entrepreneurial spirit, which has gotten me everywhere I've wanted to be in life thus far.</p> <p>Seibold instituted a similar practice in his family, asking his kids to purchase their own electronics, cellphones, and any other luxury they wanted.</p> <p>&quot;They learned to save money they received for birthdays, Christmas, etc., so they could afford these purchases,&quot; he explains. &quot;As parents, we still pay for a lot, but it is important for kids to understand what it means to put off immediate gratification in order to save for something they really want. It may have been 'easy' money since it was gifted, but they still had to learn to save.&quot;</p> <h2>9. Establish good nutritional habits from the get-go</h2> <p>Most of us enjoy junk food every now and then (sometimes a little more often than that &mdash; guilty!), but nutrition and cooking skills all begin with you as a parent. It's your job to raise your children on healthy meals and teach them how to make smart food choices so they're eating a balanced diet. Does that mean you should never order pizza or pull into a drive-thru? No, of course not. But you should be conscious of limiting those instances to help your child establish a healthy relationship with food so they're best prepared to feed themselves responsibly (and cook instead of relying on takeout).</p> <h2>10. Praise your children, but don't go overboard</h2> <p>Encourage your children to express themselves, to try their best at whatever they attempt, and to accept failures gracefully. The truth is, somebody has to be the loser; that's just how life goes. The quicker they learn that they can't always come out on top, the easier life will be. They need both the confidence to reach for their aspirations and the grit to learn and move forward if things don't go their way.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-prepare-your-kids-to-live-on-their-own&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Prepare%2520Your%2520Kids%2520to%2520Live%2520On%2520Their%2520Own.jpg&amp;description=How%20to%20Prepare%20Your%20Kids%20to%20Live%20On%20Their%20Own"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Prepare%20Your%20Kids%20to%20Live%20On%20Their%20Own.jpg" alt="How to Prepare Your Kids to Live On Their Own" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/how-to-prepare-your-kids-to-live-on-their-own">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school">7 Life Skills Your Kids Won&#039;t Learn in School</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-smart-financial-gifts-to-give-your-kids-this-year">6 Smart Financial Gifts to Give Your Kids This Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</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-use-the-holidays-to-teach-kids-about-money">How to Use the Holidays to Teach Kids About 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/7-frugal-living-skills-you-should-be-teaching-your-children">7 Frugal Living Skills You Should Be Teaching Your Children</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle basics budgeting children discipline first jobs kids life lessons life skills parenting Mon, 27 Nov 2017 09:00:07 +0000 Mikey Rox 2057738 at http://www.wisebread.com Gift Giving Etiquette to Get You Through the Holidays http://www.wisebread.com/gift-giving-etiquette-to-get-you-through-the-holidays <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/gift-giving-etiquette-to-get-you-through-the-holidays" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_presenting_gifts_each_other_in_bedroom.jpg" alt="Friends presenting gifts each other in bedroom" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The most wonderful time of the year is approaching. And with it come numerous gift exchanges. Who do you get gifts for? Do you include receipts? Is it ever OK to regift something that you really don't need? Oh, the pressure!</p> <p>Well, fear not. If you are going into the holiday season with trepidation, here's a gift-giving etiquette guide to get you through it unscathed.</p> <h2>1. Regift with extreme caution</h2> <p>Regifting can be a tough minefield to navigate. You don't want to be sitting around opening presents and hear a ticked-off aunt or uncle shout &quot;Hey, didn't I give you this last year?!&quot;</p> <p>However, regifting is a good option if the item itself has never been opened, doesn't have a sell-by date, and will benefit someone else far more than it benefits you. Ideally, a regift should go to someone who doesn't know the person who gave it to you, and vice versa.</p> <p>If you're attending a white elephant gift exchange, that can be the perfect place to unload an item you don't want, or to pick up an item you can then give to a friend or loved one. Regifting will always be tricky, but if you exercise caution, you should come out fine. (See also: <a href="http://www.wisebread.com/10-things-you-can-totally-regift-and-7-things-you-shouldnt?ref=seealso" target="_blank">10 Things You Can Totally Regift &mdash; And 7 Things You Shouldn't</a>)</p> <h2>2. Don't get guilted into giving expensive gifts</h2> <p>We all have those friends, coworkers, or family members that just love to go overboard this time of year. When you combine that with someone who has a lot of disposable income, you can find yourself on the receiving end of some lavish gifts.</p> <p>Then the guilt sets in. The gift you got for that person is pretty small in comparison. Should you go out and get something bigger, and blow your holiday budget? Honestly, no you shouldn't.</p> <p>Giving a gift is not about seeing who can spend the most, or get the biggest reaction. The real joy of gift-giving is finding something you think the other person will truly like and appreciate, regardless of the dollar amount behind it.</p> <p>If you received a top of the line coffee maker from a friend, you should never feel the need to rush out and buy something of similar value. If you give a gift and someone feels like they were shortchanged, then that person doesn't really understand the spirit of the season at all. And remember, homemade gifts are some of the most well-received, and they can't really have a value placed upon them. (See also: <a href="http://www.wisebread.com/16-easy-delicious-and-homemade-holiday-gifts?ref=seealso" target="_blank">16 Easy, Delicious and Homemade Holiday Gifts</a>)</p> <h2>3. Consider a gift pool</h2> <p>Big families come across this problem all the time. Getting gifts for all the aunts, uncles, grandmas, grandpas, sisters, brothers, nephews, and nieces can become a financial strain, and a logistical nightmare. In this situation, a gift pool is an excellent solution.</p> <p>Simply put all the names into a hat, much like you would with a gift exchange at the office, and divide up the gift duties into a much more manageable amount. For example, this year, John gets gifts for Jack and Susie, and that's it. You can even turn it into a Secret Santa, so nobody knows which gifts came from which people. And if you want a little more help, a site like <a href="https://www.elfster.com/" target="_blank">Elfster</a> can take all the hard work out of the process.</p> <h2>4. Be careful about giving donation cards</h2> <p>Donating to charity during the season of giving is wonderful. However, if you decide that you're going to give a donation to a worthy cause in the gift recipient's name, make sure you know that person <em>very </em>well. It can be considered presumptuous, and even insulting, to give someone's gift to someone else, even if that someone else is a charity. What's more, the charity you donate to may not be something the recipient agrees with.</p> <p>Remember <em>Seinfeld's</em> classic Festivus episode, and George's &quot;Human Fund&quot; scam? It may have been comedy, but the reactions tell a story. &quot;I got you a gift&hellip;you gave mine away,&quot; is a common complaint. But if you find a charity that someone will be passionate about, and you are confident they will react well, go ahead. (See also: <a href="http://www.wisebread.com/8-charities-you-can-trust-with-your-holiday-donations?ref=seealso" target="_blank">8 Charities You Can Trust With Your Holiday Donations</a>)</p> <h2>5. Leave some people off your list</h2> <p>You have only so much money to go around, and not everyone is going to get something. How do you decide who to treat, and who to skip this year?</p> <p>Well, it doesn't have to be an issue full of headaches and heartache. Talk to some of your family and friends about gifts this year, and casually bring up the fact that you don't need to exchange gifts. &quot;How about we swap cookies, or cakes?&quot; Something like that can instantly take the pressure off both parties, because that's also one less person they need to go shopping for as well.</p> <p>Some of the more extended family members shouldn't really be getting gifts, either. You don't need to be buying gifts for the uncle of your partner or spouse, or the best friends of family members. All in all, the adults can step back and let the kids get the most out of this time of year. It's way more magical for them, just as it was for us when we were their age.</p> <h2>6. Give gift cards sparingly</h2> <p>The gift card section in stores keeps getting bigger and bigger, and they are very handy as last-minute gifts. The problem is, they really don't show a lot of thought, and they also have a specific value attached. &quot;Here, I spent $25 on you. What did you get me?&quot; And as several comedians have pointed out over the years, for that $25 you can only spend at one store, you could have given them 25 actual dollars they could spend anywhere. (See also: <a href="http://www.wisebread.com/10-fun-ways-to-wrap-the-gift-of-cash?ref=seealso" target="_blank">10 Fun Ways to Give the Gift of Cash</a>)</p> <p>Gift cards should be given when you want someone to spend money on something very specific. For example, a bookstore card for a college kid, or a grocery store card for an elderly relative who really needs that help. When you just throw gift cards at everyone, it can send the message that you didn't put much thought or effort into the gift, and that's not something you want people to associate with you.</p> <h2>7. Don't reciprocate for every unexpected gift</h2> <p>It's the last day of work before the holiday, and a coworker pops into your office and says, &quot;Hey, I got you this. Happy Holidays!&quot; and you don't quite know how to say, &quot;Arghhhhh, I didn't get you anything!&quot; in response.</p> <p>It can be tempting to drop everything and do a frantic run to the nearest store, but honestly, you don't have to. If you say, &quot;I have something great for you, I'll bring it over tomorrow,&quot; you're actually kind of stealing their thunder. And if you make an excuse for not having one for them, you are going to make them feel awkward. Instead, be very thankful for the gift, and let them know just how much it is appreciated. You can find ways to make them feel special later, even if it's buying them lunch one day.</p> <h2>8. Include a receipt</h2> <p>Gift receipts are great because they don't list the sale price of the gift. But you can't always get one.</p> <p>A lot of people don't know what to do in that case. They may think it's fine to provide a regular receipt at a kid's birthday party, but consider it a little tacky or even haughty for close friends and family.. &quot;Hey, here's how much I spent on you this year.&quot;</p> <p>Actually, people don't look at receipts that way. What it really says is that you tried your hardest to find something you think they would like, but you may not have nailed it. And now you have made it very easy for that person to exchange the gift for something they would much rather have.</p> <p>They will still think of you when they get it, and you come across as helpful, thoughtful, and mindful of how awkward it can be to ask for a receipt, or take something back without one. If you're worried about the receipt just being out there for all to see, pop it in a little envelope or fold it and tape it shut. That way, they will only see the price if they really want to take the item back.</p> <h2>9. Forgo the thank-you card</h2> <p>After a big, personal event like a wedding, anniversary party, or a birthday, it is customary to send out thank-you notes to the people who gave gifts. However, at this time of year, that act is optional, and usually unnecessary. Everyone is swapping gifts. The sheer volume of cards and letters that would be going back and forth in the mail would cripple the post office if everyone did it.</p> <p>If someone goes above and beyond with a gift and you feel the need to show your appreciation, then by all means send a thank you. But for the most part, you can simply send an email, give them a call, or say thank you in person when you get the gift or the next time you see them.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fgift-giving-etiquette-to-get-you-through-the-holidays&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FGift%2520Giving%2520Etiquette%2520to%2520Get%2520You%2520Through%2520the%2520Holidays.jpg&amp;description=Gift%20Giving%20Etiquette%20to%20Get%20You%20Through%20the%20Holidays"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Gift%20Giving%20Etiquette%20to%20Get%20You%20Through%20the%20Holidays.jpg" alt="Gift Giving Etiquette to Get You Through the Holidays" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/gift-giving-etiquette-to-get-you-through-the-holidays">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/6-self-care-gifts-to-give-yourself-this-holiday-season">6 Self-Care Gifts to Give Yourself This Holiday Season</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season">9 Things You Can Do Right Now for a Frugal Holiday Season</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-master-these-10-shopping-skills-before-you-hit-30">How to Master These 10 Shopping Skills Before You Hit 30</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping christmas shopping etiquette guide etiquette tips gift tips holiday season holiday shopping regift regifting shopping tips Mon, 20 Nov 2017 10:00:06 +0000 Paul Michael 2056046 at http://www.wisebread.com 8 Secrets to a Debt-Free Holiday Season http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-secrets-to-a-debt-free-holiday-season" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/laughing_girl_with_falling_confetti_at_party.jpg" alt="Laughing girl with falling confetti at party" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Remember when the holidays were all about simple pleasures like spending time with family and exchanging modest gifts? Neither do I. Holidays have taken on a life of their own, turning otherwise reasonable folks into consumer zombies and blowing up the budgets of too many Americans. This year, let's celebrate simplicity and financial solvency. Here are the secrets to a debt-free holiday season.</p> <h2>1. Push back against &quot;holiday sprawl&quot;</h2> <p>Ever feel like the holidays come earlier, last longer, and require more gifts, more elaborate decorations, more money, and more travel? Let's call this endless expansion what it is &mdash; <em>holiday sprawl</em>. Fight back by embracing the idea of <em>enough</em>. Suggest (and stick to) reasonable spending limits and keep ballooning expectations in check. Your budget will thank you. (See also: <a href="http://www.wisebread.com/9-things-you-can-do-right-now-for-a-frugal-holiday-season?ref=seealso" target="_blank">9 Things You Can Do Right Now for a Frugal Holiday Season</a>)</p> <h2>2. Shop early and shop around</h2> <p>Bright lights, big crowds, sales of the century &mdash; it's enough to make even the most levelheaded shopper lose control. Skip all the holiday madness by shopping early (I start in September and try to finish by Thanksgiving). You'll have more time to compare prices, shop for sales, and space out purchases so you won't have to rely on credit. (See also: <a href="http://www.wisebread.com/6-reasons-january-is-the-right-time-to-start-planning-for-christmas?ref=seealso" target="_blank">6 Reasons January Is the Right Time to Start Planning for Christmas</a>)</p> <h2>3. Slow down</h2> <p>Holidays can be frantic. In the rush of activity, we often make bad decisions about what to buy and how much to spend. Slow. Things. Down. Break up your shopping excursions into several smaller trips and avoid shopping on days when you have a thousand other things to do. When shopping online, load your virtual cart, but don't commit to buy until you've thought about your choices overnight.</p> <h2>4. Avoid gimmicks</h2> <p>The holiday season can make or break retailers. To help us stretch our spending muscles, almost every store features blowout sales or deals that require the purchase of multiples (10 for $10). My advice? Be skeptical. That &quot;biggest sale of the year&quot; probably isn't. And what are you going to do with 10 bacon-scented candles, anyway?</p> <h2>5. Pay cash</h2> <p>Do you tend to spend more when you use credit? You're not alone. Paying by credit card &mdash; or worse yet, smartphone &mdash; blunts the conscious connection between spending more money and having less money. Make this holiday a cash-only affair. It'll keep your accounts in the black and make your first credit card bill of the new year a lot less frightening.</p> <h2>6. Make your gifts</h2> <p>Exchanging handmade gifts can be wonderful, even among adults. Buck the retail trend altogether and focus on your talents. Are you an expert baker? A gifted artist? An inspired brewmaster? Explore Pinterest for inexpensive homemade holiday gift ideas, then tap into your creative spirit. (See also: <a href="http://www.wisebread.com/how-to-spend-almost-nothing-on-gifts-this-year?ref=seealso" target="_blank">10 Gift Ideas That Cost Almost Nothing</a>)</p> <h2>7. Skip the greeting cards</h2> <p>I didn't get the memo: When did everyone decide that $14.99 is an acceptable price for a box of holiday cards? This year, save a few bucks by ditching the costly cards and postage. Instead, send a group email or catch up with a leisurely phone call.</p> <h2>8. Share experiences</h2> <p>If money's tight, swap traditional gifts for the gift of time together. Organize a holiday potluck, host a movie night with friends, or coordinate a charity event where everyone contributes a few hours of their time as a group. After all, what could be better than good food, good friends, and goodwill?</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-secrets-to-a-debt-free-holiday-season&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Secrets%2520to%2520a%2520Debt-Free%2520Holiday%2520Season.jpg&amp;description=8%20Secrets%20to%20a%20Debt-Free%20Holiday%20Season"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Secrets%20to%20a%20Debt-Free%20Holiday%20Season.jpg" alt="8 Secrets to a Debt-Free Holiday Season" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/8-secrets-to-a-debt-free-holiday-season">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-goals-you-should-set-for-the-holidays">10 Money Goals You Should Set for the Holidays</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-smart-reasons-to-last-minute-holiday-shop">9 Smart Reasons to Last-Minute Holiday Shop</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-tidy-up-your-finances-before-the-holidays">10 Ways to Tidy Up Your Finances Before the Holidays</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-simple-holiday-budget-anyone-can-follow">The Simple Holiday Budget Anyone Can Follow</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-bounce-back-from-your-holiday-splurge">How to Bounce Back From Your Holiday Splurge</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Lifestyle cash Christmas gifts holiday debt Holidays homemade gifts sales tactics shopping Spending Money Mon, 13 Nov 2017 09:00:07 +0000 Kentin Waits 2050494 at http://www.wisebread.com Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/meditation_at_airport.jpg" alt="Meditation at airport" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're stuck at the airport. You're stressed. You're worried about being late to your destination. You're tired. What can you do to chill out on the spot?</p> <p>Luckily, you can make self-care your top priority wherever you are. You don't need a yoga mat, a dark room, and tons of lit candles around you in order to remain relaxed. Just follow these tips and you'll keep stress from ruining your trip. (See also: <a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments?ref=seealso" target="_blank">7 Ways to Stay Calm in Stressful Moments</a>)</p> <h2>1. Breathe deeply</h2> <p>Even if you're stuck standing in line with a pile of luggage, you still have enough room to take a deep breath. In addition to easing anxiety, deep breathing stabilizes blood pressure, and slows the heartbeat.</p> <p>One of the fundamentals of yoga (which was created as a method of relaxing the mind for meditation) is abdominal breathing, or diaphragmatic breathing. If you have never stepped inside of a yoga studio, don't fret. There are apps for this. <a href="https://support.apple.com/en-us/HT206999" target="_blank">Breathe</a> is a default breathing app for the Apple watch and iPhone, but <a href="http://www.saagara.com/apps/breathing/universal-breathing-pranayama" target="_blank">Universal Breathing</a> and <a href="http://www.breathing.zone/" target="_blank">Breathing Zone</a> also have many fans. (See also: <a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap?ref=seealso" target="_blank">14 Smartphone Apps That Make Self-Care a Snap</a>)</p> <h2>2. Meditate</h2> <p>If you're already in the habit of breathing deeply, you might as well work on your meditation skills, too. Although relaxation is not actually the goal of meditation, it's often a happy side effect of the practice, along with reduced stress, lower blood pressure, and better circulation. Really, the goal of meditation is to stay in the present moment. There are many types of meditation, so choose one that feels comfortable to you.</p> <h2>3. Wash your hands</h2> <p>Actually, washing any part of your body in warm water will calm your nerves and muscles. But washing your hands with soap has the added benefit of killing germs that can make you sick. Planes, with their recycled air and filthy buttons, are flying disease factories.</p> <h2>4. Eat a healthy snack</h2> <p>Airports are of full of junk food. A sugary snack might provide a quick pick-me-up, but the resulting sugar crash will not improve your mood. Seek out fresh, raw fruits, veggies, and proteins from the newsstand or sandwich shop in your terminal. (See also: <a href="http://www.wisebread.com/eat-these-6-foods-to-stay-healthy-while-traveling?ref=seealso" target="_blank">Eat These 6 Foods to Stay Healthy While Traveling</a>)</p> <h2>5. Fidget</h2> <p>Knit. Twirl your fidget spinner. Try to peel an orange in one long spiral-shaped piece. Try your hand at tying nautical knots with a loose string on your coat. Lace your shoes in new and dramatic ways. Busy fingers will quiet a busy mind.</p> <h2>6. Clean out your purse or your inbox</h2> <p>Yeah, you should have done this before you left home, but now is the perfect time to remove all the old gum wrappers, random pen caps, and other assorted junk that is literally weighing you down from your bag.</p> <p>And once you're done with that, head over to your inbox and start deleting. Seeing that unread number go down within minutes will put your mind at ease, leaving your digital space much tidier. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life?ref=seealso" target="_blank">5 Easy Ways to Declutter Your Digital Life</a>)</p> <h2>7. Move around</h2> <p>If the idea of doing stretches on the airport carpet grosses you out, there are many modified yoga poses, and other quick workouts you can do from the comfort (or discomfort) of your seat at the airport or even on the plane. Even a short lap around the terminal can put more pep in your step. (See also: <a href="http://www.wisebread.com/10-no-sweat-workouts-perfect-for-the-workplace?ref=seealso" target="_blank">10 No-Sweat Workouts Perfect for the Workplace</a>)</p> <h2>8. Imagine paradise</h2> <p>You might be on a layover from hell, but you can use <a href="https://www.psychologytoday.com/blog/in-flux/201606/the-benefits-creative-visualization" target="_blank">creative visualization</a> to take a fabulous vacation inside your head. Imagine yourself at your dream location. What are you doing? What music is playing in the background? What are you wearing? What delicious things are you going to order for dinner? Who are you traveling with? Since it's all in your head, nothing is too outrageous or silly.</p> <p>In addition to stress relief, creative visualization in a powerful training tool for your mind. It can help you solve problems by getting you to think outside of the box. There's a reason why everyone from professional athletes to artists use this brain hack to reach their goals. It works.</p> <h2>9. Laugh out loud</h2> <p>Laughter is the best medicine. OK, maybe not the best, compared to <em>actual</em> medicine. But it's certainly one of the best free ways to manage stress. So watch a funny movie, trade jokes with the person sitting next to you, or simply think of your most hilarious memory. Even if you can't release a giggle, the simple act of <a href="https://www.smithsonianmag.com/science-nature/simply-smiling-can-actually-reduce-stress-10461286/" target="_blank">smiling can reduce stress</a>.</p> <h2>10. Do a little journaling</h2> <p>Yes, keeping a gratitude journal does sound like something that your new-age aunt would recommend. But Auntie is right! A study out of Stanford University found that keeping a gratitude journal can <a href="http://www.sfgate.com/living/article/Stanford-happiness-class-proves-popular-helpful-2303168.php#photo-1809034" target="_blank">reduce stress by 27 percent</a>. Research subjects at Yale reported that that a <a href="http://ei.yale.edu/what-is-gratitude/" target="_blank">keeping a gratitude journal</a> resulted in higher alertness, determination, and energy. So put pen to paper and record all the reasons your life is good.</p> <h2>11. Unplug</h2> <p>Study after study has shown that unplugging from the phone and other devices is a quick way to reboot the brain. Hyper-connectivity takes a toll on people, psychologically and physically. Also, light-emitting devices like smartphones, e-readers, and tablets have been shown to <a href="https://www.ncbi.nlm.nih.gov/pubmed/25535358" target="_blank">negatively affect circadian timing</a>. If you are trying to use your flying time to get some rest or combat jet lag, avoid looking at your devices before you go to sleep. (See also: <a href="http://www.wisebread.com/how-to-fall-asleep-when-you-cant?ref=seealso" target="_blank">How to Fall Asleep When You Can't</a>)</p> <h2>12. Hug your loved ones</h2> <p>Hugging releases oxytocin, a stress-busting hormone, into the bloodstream. In addition to lowering blood pressure and anxiety, getting hugged improves pain tolerance, and boosts immunity. In a 2014 study, researchers from Carnegie Mellon University found that <a href="https://www.cmu.edu/news/stories/archives/2014/december/december17_hugsprotect.html" target="_blank">hugging protects people who are under stress</a> from the increased risk of colds.</p> <p>But hugging doesn't just help humans feel better. If you are traveling with an animal, petting has been shown to give similar benefits to both the person giving the pets and the animal receiving the pets. (See also: <a href="http://www.wisebread.com/23-tips-for-traveling-with-pets?ref=seealso" target="_blank">23 Tips for Traveling With Pets</a>)</p> <h2>13. Call a friend</h2> <p>Loneliness is a killer. If you are feeling disconnected, call someone, even if it's just to say hello. They will most likely be delighted to hear from you, and you'll kill some time while the two of you catch up. If none of your friends are available to chat, give your parents a call. Your mother would love for you to call her more often anyway.</p> <h2>14. Take a nap</h2> <p>This seems obvious. However, many people are afraid to nap at airports for security and scheduling reasons. As someone who sleeps in airports, and as a money and time saver, here is my three-step solution:</p> <ol> <li> <p>Secure your luggage.</p> </li> <li> <p>To avoid oversleeping, set an alarm clock.</p> </li> <li> <p>Write &quot;Please wake me up at (insert time)&quot; on sticky notes and stick those to yourself.</p> </li> </ol> <p>Now that you have my top-secret airport-sleeping trick, please go rest. You deserve it.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fstuck-at-the-airport-relax-with-these-14-easy-self-care-tricks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FStuck%2520at%2520the%2520Airport_%2520Relax%2520With%2520These%252014%2520Easy%2520Self-Care%2520Tricks.jpg&amp;description=Stuck%20at%20the%20Airport%3F%20Relax%20With%20These%2014%20Easy%20Self-Care%20Tricks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Stuck%20at%20the%20Airport_%20Relax%20With%20These%2014%20Easy%20Self-Care%20Tricks.jpg" alt="Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">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/8-ways-to-actually-relax-over-the-holidays">8 Ways to Actually Relax Over the Holidays</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-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-74-easy-ways-to-reduce-stress">Flashback Friday: 74 Easy Ways to Reduce Stress</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Travel airports flight delays holiday stress holiday travel mental health self-care stress travel tips Thu, 09 Nov 2017 08:30:17 +0000 Max Wong 2050419 at http://www.wisebread.com 11 Ways to Make Money on Thanksgiving http://www.wisebread.com/11-ways-to-make-money-on-thanksgiving <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-make-money-on-thanksgiving" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-617591686.jpg" alt="make extra money on Thanksgiving" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In recent years, as the hours of Black Friday shopping have expanded, the topic of work on Thanksgiving has been somewhat controversial. But whether you think malls should be open on Turkey Day or not, the fact is that some of us want and need to earn money on this holiday. If you're not employed somewhere that's paying you to punch a clock, but you still want to make a buck on Thanksgiving, here are some ideas for turning other folks' family day into your payday.</p> <h2>1. Creating homemade invitations</h2> <p>People who are organizing large, elegant gatherings might appreciate having a custom-made invitation to send out. And if you want to be full-service, offer to address and mail out those invites as well. You could also offer custom place cards that match the invite.</p> <p>You can design the cards on DIY sites such as Vistaprint or Zazzle, or use graphic design software and have them printed at a professional print shop. Make sure to charge enough to cover the printing costs and to have some profit to pay for your time. (See also: <a href="http://www.wisebread.com/5-ways-to-make-passive-income-online?ref=seealso" target="_blank">5 Ways to Make Passive Income Online</a>)</p> <h2>2. Event planning</h2> <p>If you're a great host but don't plan on hosting your own Thanksgiving feast, and you're skilled at keeping an organized to-do list, offer your services to overwhelmed, inexperienced hosts who don't have time to put in the prep work. Social media and local family network sites would be good places to advertise.</p> <h2>3. Home organizing</h2> <p>Getting ready to host dinner guests or even take in out-of-town family overnight is when people look around their homes and realize they need to declutter. If you've ever toyed with offering your services as a professional organizer, now's a good time to try it. Organizers can charge between <a href="http://home.costhelper.com/professional-organizer.html" target="_blank">$30 and $80 per hour</a>, according to CostHelper.</p> <h2>4. Deep cleaning</h2> <p>A week or more before the big day, hosts may want to have someone in to get dust bunnies out from under guest beds, clean ovens and stovetops, and wash windows. You can find cleaning jobs through <a href="https://www.taskrabbit.com/dashboard" target="_blank">TaskRabbit</a>, which estimates you can charge about $22 per hour for cleaning (although the site will keep a cut), or advertise locally or through family and friends.</p> <p>Thanksgiving hosts will also want day-of cleaning so that end tables shine and carpets are freshly vacuumed when the doorbell rings for the first guests' arrival. Don't want to rise early? Hire yourself out to wash the dinner dishes in the evening instead.</p> <h2>5. Grocery shopping</h2> <p>Those potatoes and yams aren't going to jump off the shelves and deliver themselves, and some folks get hives from shopping amongst holiday crowds. Sign up with <a href="https://instacartonboarding.zendesk.com/hc/en-us/categories/115000847803-Become-a-Shopper" target="_blank">InstaCart</a> or <a href="https://www.shipt.com/be-a-shopper/" target="_blank">Shipt</a> to pick up and deliver groceries using your own car. Both services say grocery delivery can pay up to $25 per hour, plus tips.</p> <h2>6. Baking</h2> <p>Bakeries are overwhelmed by pre-orders for pumpkin pies around the holidays. If you are a pie expert, you can turn your home kitchen into a baking station for a day or two, and offer Thanksgiving Day delivery to set yourself apart. Homemade breads and rolls are another idea for oven entrepreneurs. Visit a local high-end bakery or patisserie to find out what you can charge.</p> <p>If you are baking for more than just friends and relatives, check your local laws about selling homemade products. California, for instance, has a &quot;cottage food&quot; law that allows the sale of <a href="https://www.cdph.ca.gov/Programs/CEH/DFDCS/CDPH%20Document%20Library/FDB/FoodSafetyProgram/CottageFood/ApprovedCFList.pdf" target="_blank">home-produced baked goods</a> and certain other foods.</p> <h2>7. Renting out your space</h2> <p>A lot of people host out-of-town guests for the holiday weekend, but not everyone has someone to put them up. This is a great time to try listing your spare bedroom on Airbnb, especially if you live in a residential area that doesn't have many hotels. The beauty of this is that you can make money even if you have Thanksgiving travel plans yourself, by renting out your vacant home. I've done the same over the Christmas holiday and had great results. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-good-money-from-airbnb?ref=seealso" target="_blank">5 Easy Ways to Make Good Money From Airbnb</a>)</p> <h2>8. Driving for Uber or Lyft</h2> <p>If you've ever considered driving for Uber or Lyft, the airport crowds on the day before Thanksgiving offer plenty of opportunities to make good money. You can set your own hours in the days leading up to the holiday and will probably have busy shifts taking travelers to their destinations. (See also: <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=seealso" target="_blank">How to Earn Extra Money Driving for Uber or Lyft</a>)</p> <h2>9. Pet-sitting</h2> <p>For people who are out of town for the whole holiday weekend, you could visit their home and feed, water, and walk pets, or take pets into your own home. Some hosts will want to send out noisy, excitable, or allergy-causing pets for the day, or even simply pay to have them taken on a long walk. <a href="https://www.care.com/" target="_blank">Care.com</a> and <a href="https://www.rover.com/become-a-sitter/" target="_blank">Rover</a> are sites you could sign up with to find pet-sitting gigs. Expect to make around $25 a night for hosting a dog. Sign up in advance, because you may have to pass a background check before you can start pet sitting. (See also: <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=seealso" target="_blank">How to Make $400+ a Week as a Pet Sitter</a>)</p> <h2>10. Serving and photographing</h2> <p>Hosts with big crowds will also hire waiters, bartenders, even photographers for the big day. These roles will take the pressure off of them so they can focus more on hosting and enjoying time with their guests, rather than running around refilling drinks and taking selfies. Find local opportunities on <a href="https://www.gigsalad.com/Event-Services/Bartender/CA/Alameda" target="_blank">GigSalad</a>.</p> <h2>11. Place holding</h2> <p>With stores offering big sales opening on Thanksgiving Day instead of on Black Friday, some folks will leave their families to go wait in line. Others will pay someone on TaskRabbit to wait for them. Bring a book!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F11-ways-to-make-money-on-thanksgiving&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F11%2520Ways%2520to%2520Make%2520Money%2520on%2520Thanksgiving.jpg&amp;description=11%20Ways%20to%20Make%20Money%20on%20Thanksgiving"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/11%20Ways%20to%20Make%20Money%20on%20Thanksgiving.jpg" alt="11 Ways to Make Money on Thanksgiving" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/11-ways-to-make-money-on-thanksgiving">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/15-ways-to-make-money-on-halloween">15 Ways to Make Money on Halloween</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-creative-remote-jobs-that-can-supplement-your-retirement-income">4 Creative Remote Jobs That Can Supplement Your Retirement Income</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-vegetarian-thanksgiving-dishes-that-hold-their-own-with-turkey">6 Vegetarian Thanksgiving Dishes That Hold Their Own With Turkey</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-legally-sell-your-body-for-money">How to Legally Sell Your Body for Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Lifestyle extra cash Holidays make money sell your stuff side gig side hustle Thanksgiving thanksgiving turkey Tue, 07 Nov 2017 08:00:06 +0000 Carrie Kirby 2049404 at http://www.wisebread.com 6 Vegetarian Thanksgiving Dishes That Hold Their Own With Turkey http://www.wisebread.com/6-vegetarian-thanksgiving-dishes-that-hold-their-own-with-turkey <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-vegetarian-thanksgiving-dishes-that-hold-their-own-with-turkey" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pumpkin_soup_on_a_wooden_table.jpg" alt="Pumpkin soup on a wooden table" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I have a lot of friends who are vegetarians, and I eat my fair share of vegetarian dishes even though I'm an omnivore. Many of my friends and I have discovered dishes that are crowd-pleasers for everyone at Thanksgiving, whether or not our guests eat meat. Here are some of my favorites to make and serve. (See also: <a href="http://www.wisebread.com/35-slow-cooker-recipes-for-busy-or-lazy-vegetarians?ref=seealso" target="_blank">35 Slow Cooker Recipes for Busy (or Lazy) Vegetarians</a>)</p> <h2>1. Crustless quiche</h2> <p>I love a good quiche whether it's for breakfast, lunch, or dinner. This <a href="http://bojongourmet.com/2014/03/potato-and-green-garlic-crustless/" target="_blank">crustless quiche</a> from the excellent food blog The Bojon Gourmet heightens the humble dish with a succulent combination of potato, goat cheese, Gruyère, and chives. Because it's made in a cast iron skillet, it gets a crunchy crust of its own during the cooking process without needing to add the calories of a proper crust. This leaves you more room for the other delicious goodies on the table!</p> <h2>2. Stuffed butternut squash</h2> <p>Butternut squash is one of my very favorite fall harvest vegetables. To make it extra special for Thanksgiving, take a page from the Pickles &amp; Honey blog and stuff it with a <a href="http://www.picklesnhoney.com/2014/11/10/stuffed-butternut-squash-eat-clean-live-well/" target="_blank">tempeh and rice</a> mixture that makes it even more satisfying! (See also: <a href="http://www.wisebread.com/12-easy-squash-recipes-for-fall?ref=seealso" target="_blank">12 Easy Squash Recipes for Fall</a>)</p> <h2>3. Acorn squash with walnuts and cranberries</h2> <p>Can't get enough squash during the holidays? Me neither. One of the things I love best about the marvelous varieties of this vegetable is that they can be sweet or savory. Here's one that's yummy enough to be a main dish or a dessert. The gooey combination stuffing of <a href="http://letthebakingbeginblog.com/2012/10/acorn-squash-with-walnuts-cranberry/" target="_blank">walnuts and cranberries</a> makes this one a wholesome sweet treat for everyone!</p> <h2>4. Savory sweet potato gnocchi</h2> <p>Gnocchi is one of my favorite pasta dishes. This recipe from Salt &amp; Wind is one that's both savory and sweet. The sweet comes from the <a href="http://saltandwind.com/recipes/50-sweet-potato-gnocchi-with-balsamic-sage-brown-butter-recipe" target="_blank">sweet potato gnocchi</a>, and the savory comes from the brown butter, balsamic vinegar, and sage. No time to make gnocchi from scratch? No problem. Pick up some pre-made or frozen gnocchi, and just prepare the sauce from this recipe.</p> <h2>5. Vegan veggie wraps</h2> <p>Give the vegetarians at your table some fun with these <a href="https://minimalistbaker.com/vegan-thanksgiving-wraps/" target="_blank">vegan veggie wraps</a>. They are a perfect blend of flavorful roasted chickpeas and sweet potatoes wrapped up in a pillowy soft flatbread with a silky sauce. Plus they are super cute and easy to prep and serve. You can substitute any roasted root vegetable for the sweet potato.</p> <h2>6. Brussels sprouts and root vegetables</h2> <p>Take the bitterness of <a href="http://juliasalbum.com/2015/10/roasted-brussels-sprouts-cinnamon-butternut-squash-pecans-and-cranberries/" target="_blank">Brussels sprouts</a>, the heartiness of any root vegetable combination, the crunch of pecans, and the sweetness of cranberries and cinnamon. Put it all together and you get this masterpiece from Julia's Album. Even though this one uses butternut squash, you could use any roasted root vegetable, or a combination of them for more variety.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-vegetarian-thanksgiving-dishes-that-hold-their-own-with-turkey&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Vegetarian%2520Thanksgiving%2520Dishes%2520That%2520Hold%2520Their%2520Own%2520With%2520Turkey.jpg&amp;description=5%20Money%20Moves%20to%20Make%20Before%20Taking%20a%20Mini%20Retirement"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Vegetarian%20Thanksgiving%20Dishes%20That%20Hold%20Their%20Own%20With%20Turkey.jpg" alt="6 Vegetarian Thanksgiving Dishes That Hold Their Own With Turkey" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/6-vegetarian-thanksgiving-dishes-that-hold-their-own-with-turkey">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/7-easy-ways-to-give-back-this-thanksgiving">7 Easy Ways to Give Back This Thanksgiving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-make-money-on-thanksgiving">11 Ways to Make Money on Thanksgiving</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-creative-simple-frugal-recipes-for-leftover-turkey">5 Creative, Simple, and Frugal Recipes for Leftover Turkey</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-things-youll-waste-money-on-this-thanksgiving">10 Things You&#039;ll Waste Money on This Thanksgiving</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-a-thanksgiving-turkey-teaches-us-about-money-0">7 Things a Thanksgiving Turkey Teaches Us About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Lifestyle Holidays recipes side dishes Thanksgiving thanksgiving dinner thanksgiving turkey vegetarian vegetarian dishes Fri, 03 Nov 2017 08:00:06 +0000 Christa Avampato 2039989 at http://www.wisebread.com