Lifestyle http://www.wisebread.com/taxonomy/term/4806/0 en-US Best Money Tips: Unconventional Ways to Live Longer http://www.wisebread.com/best-money-tips-unconventional-ways-to-live-longer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-unconventional-ways-to-live-longer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_nature_507955817.jpg" alt="Woman finding unconventional ways to live longer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on unconventional ways to live longer, financial questions soon-to-be parents should ask, and packing hacks every traveler should know.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.marksdailyapple.com/5-unconventional-ways-to-extend-your-life/">5 Unconventional Ways to Extend Your Life</a> &mdash; Spending time in green space can improve creativity and reduce anxiety. If you don't live somewhere with a lot of green, grow plants or trees at home. [Mark's Daily Apple]</p> <p><a href="http://parentingsquad.com/the-financial-conversation-that-soon-to-be-parents-must-have-0">8 Financial Questions Soon-to-Be Parents Must Ask</a> &mdash; What are your immediate needs? List the items, services, and appointments involved with having a new baby and begin to budget for them. [Parenting Squad]</p> <p><a href="https://www.popsugar.com/smart-living/Tips-Packing-Small-Suitcase-42852235">34 Packing Hacks Every Traveler Should Know</a> &mdash; When choosing items for your vacation wardrobe, rely on your current outfit go-tos &mdash; you know they work!&nbsp; [PopSugar Smart Living]</p> <p><a href="https://www.dumblittleman.com/how-to-save-more/">10 Easy Tricks On How To Save More</a> &mdash; Limit your ATM visits. Work on managing your budget so that you don't have to make extra trips to get cash. [Dumb Little Man]</p> <p><a href="http://shopperstrategy.com/2017/04/27/7-fun-ways-to-exercise-as-a-family/">7 Fun Ways to Exercise as a Family</a> &mdash; A great way to stay active as a family is to go for after-dinner walks together. [Shopper Strategy]</p> <h2>Other Essential Reading</h2> <p><a href="http://shopperstrategy.com/2017/04/27/7-fun-ways-to-exercise-as-a-family/">7 Ways to Throw a Graduation Party on a Budget</a> &mdash; Consider having a joint party for multiple graduates. Everyone will save on decorations and entertainment, and since they'll likely have the same friends, you'll save on food, too. [Everything Finance]</p> <p><a href="http://www.artofmanliness.com/2017/04/26/3-keys-balancing-safety-risk-raising-kids/">The 3 Keys to Balancing Safety and Risk in Raising Your Kids</a> &mdash; You won't always be there to protect your kids. Aim to prepare them to face and manage risks themselves. [The Art of Manliness]</p> <p><a href="http://www.dealiciousmom.com/20-ways-prevent-cracked-cuticles-care/">20 Ways to Moisturize, Protect, Heal &amp; Prevent Cracked Cuticles</a> &mdash; Make your own cuticle salve from equal parts honey, aloe vera gel or juice, and olive oil. [Dealicious Blog]</p> <p><a href="http://www.terrystarbucker.com/2017/04/23/10-things-leaders-hate-to-do-but-really-should-do-them-anyway/">10 Things Leaders Hate To Do (But Really Should Do Them Anyway)</a> &mdash; It's easy to coast through meetings, but if you want to be a leader, you need to pay attention and engage at every meeting. [Terry St. Marie]</p> <p><a href="https://timemanagementninja.com/2017/04/5-ways-to-break-your-routine-to-get-better-results/">5 Ways to Break Your Routine to Get Better Results</a> &mdash; If you have trouble getting work done, try changing when you do it.&nbsp; [Time Management Ninja]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-unconventional-ways-to-live-longer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-fall-asleep-when-you-cant">How to Fall Asleep When You Can&#039;t</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/turn-your-backyard-into-a-wildlife-refuge-for-under-40">Turn Your Backyard Into a Wildlife Refuge for Under $40</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips Live Longer Fri, 28 Apr 2017 08:31:09 +0000 Amy Lu 1936194 at http://www.wisebread.com How to Fall Asleep When You Can't http://www.wisebread.com/how-to-fall-asleep-when-you-cant <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-fall-asleep-when-you-cant" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-499781737.jpg" alt="Woman learning how to fall asleep when she can&#039;t " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's estimated that we spend around one third of our lives in bed. For some people though, that doesn't mean it's all sleeping. In fact, more than <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1978319/" target="_blank">30 percent of the population</a> suffers from insomnia. And it's even worse when you really need to sleep &mdash; like those nights when you have an early flight the next morning, or an important meeting, and have to hit the hay ASAP. So, what do you do? Here are nine tips to help you catch some z's with ease. (See also: <a href="http://www.wisebread.com/6-foods-scientifically-proven-to-help-you-sleep?ref=seealso" target="_blank">6 Foods Scientifically Proven to Help You Sleep</a>)</p> <h2>1. Let go of your worries</h2> <p>Easier said than done, right? One of the biggest reasons we toss and turn is that we have things on our mind. It can be exacerbated by an impending trip or appointment, and before you know it, you've spent half the night staring at the ceiling. You can do something about this. Write those stressful thoughts down, jot them in your smartphone or tablet, or even speak them into a voice recorder. You need to get them out of your head and &quot;onto paper.&quot; By doing this, you are telling your brain that they're all taken care of. Even if the note says &quot;arrange airport parking,&quot; it's helping. The spot may not be booked yet, but the mere act of writing it down puts it on a to-do list, and your brain can let go of it.</p> <h2>2. Lower the temperature</h2> <p>Our bodies cool down as we sleep, and lowering the temperature in the room facilitates this enormously. Many people think the ideal temperature is 72 F. Well, that's all well and good during the day, but that is way too hot for a good night's sleep. Experts say that you should set the temperature somewhere between 60 F and 67 F, and if you have a big duvet or blanket on your bed, remove it. Think of your bedroom like a cave, and make it cool and dark at night.</p> <h2>3. Add some white noise</h2> <p>A deathly quiet room is not going to be ideal for everyone. Being left alone with your own thoughts can amplify them. And any tiny sound, from a creaking floorboard to a chirping cricket, can suddenly become a massive annoyance. Creating white noise can drown out those occasional disruptions. It's why so many babies and kids (and often some adults) pass out in the car &mdash; that humming road noise is hypnotic, sending you into a trance-like state that is followed by sleep. Try it out. Start with radio static or a fan. If that works, you can buy dedicated <a href="http://amzn.to/2pQ1L54" target="_blank">noise machines</a> that play rain, streams, thunderstorms, and even the sound of the jungle at night.</p> <h2>4. Shut down electronic devices long before bed</h2> <p>Your phone. Your tablet. The TV. The laptop or desktop computer. The video game system. They all need to be powered down long before bedtime. The kind of stimulation these devices give your brain puts it in an alert state rather than one of relaxation. Studies have shown that the flashing lights and effects stop your brain from releasing melatonin, the hormone that tells your body it is time to go to sleep. Try not to have a TV in the bedroom. If that's not possible, keep it off, and unplug other devices as well. Put your phone on do not disturb. This is your bedroom &mdash; it's not an activity center.</p> <h2>5. Take a supplement</h2> <p>There are supplements available over the counter that can help you nod off more quickly than you could without them. A good place to start is Melatonin, which is a natural hormone in your body that regulates the sleep-wake cycle. This is available in two forms &mdash; immediate release, and extended release &mdash; and is available in the vitamin aisle. You could also try Valerian root, which has been used as both a sedative and anti-anxiety treatment for thousands of years. If these don't work for you, you could try Kava, or good old-fashioned camomile tea. And a spritz of lavender in the air (candles, incense, sprays) can also aid in the sleep process. Please make sure to check with your doctor first before trying any supplements.</p> <h2>6. Try the 4-7-8 breathing technique</h2> <p>Dr. Andrew Weil, a Harvard trained medical doctor, believes that good, fast sleep can come from a <a href="http://www.medicaldaily.com/life-hack-sleep-4-7-8-breathing-exercise-will-supposedly-put-you-sleep-just-60-332122" target="_blank">simple breathing technique</a>. What's more, it's easy to learn, and the results can come quickly for many people. It takes five steps, and as Weil explains, requires you to, <em>&quot;</em>place the tip of your tongue against the ridge of tissue just behind your upper front teeth and keep it there through the entire exercise. You will be exhaling through your mouth around your tongue; try pursing your lips slightly if this seems awkward.&quot;</p> <p>The five steps are as follows:</p> <ul> <li>Exhale completely through your mouth whilst making a &quot;whoosh&quot; sound.<br /> &nbsp;</li> <li>Close your mouth and inhale quietly through your nose for a count of <em>four</em>.<br /> &nbsp;</li> <li>Hold your breath for a count of <em>seven</em>.<br /> &nbsp;</li> <li>Exhale completely through your mouth whilst making the whoosh sound for a count of <em>eight</em>.<br /> &nbsp;</li> <li>Inhale again. Repeat three more times for a total of four cycles.</li> </ul> <h2>7. Take a hot shower or bath</h2> <p>Remember the tip about the cool room? Well, another way to enhance that feeling is to take a shower or bath before getting into bed. First, make the bed and leave the covers open, letting them cool off (ideally with a fan or open window). Take your hot shower or bath. When you dry off and enter the bedroom from the bathroom, you will instantly feel cooler. You will also feel relaxed from your time in the bath, and the steam can help clear out your airways &mdash; which is another great way to ensure better sleep.</p> <h2>8. Try to stay awake</h2> <p>What? This may seem counterintuitive, but for some people it works. It's a little reverse-psychology, coupled with an almost meditative state that tricks your brain into falling asleep. In a study done at the University of Glasgow, a group of volunteers was &quot;asked to lie in bed with their eyes open without any television, computers, and phones, were only allowed to blink, and basically asked to try to stay awake for as long as possible. That group managed to fall asleep faster every night.&quot; Try it next time you're having trouble. Instead of saying, &quot;fall asleep, fall asleep&quot; switch to &quot;stay awake, stay awake.&quot; You may be surprised at the results.</p> <h2>9. Invest in a cool pillow</h2> <p>There are many varieties of <a href="http://amzn.to/2ofV3rW" target="_blank">cooling pillows</a> on the market right now, and they can be a fabulous help at bedtime. We all know that feeling of turning the pillow over to get the cooler side. But, it doesn't last very long on a regular pillow. However, a pillow that's got a layer of cooling gel built-in eliminates the need to swap sides as you start nodding off. They start at around $20, and even the basic model is better than a pillow without the gel. If you want to go even further, there are new <a href="http://amzn.to/2p7zYPL" target="_blank">cooling mattress pads</a> that contain the same cooling gel. The combination of both can keep your body and head cool, and assist in a very quick trip to dreamland.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-fall-asleep-when-you-cant">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-naturally-reset-your-sleep-cycle-overnight">How to Naturally Reset Your Sleep Cycle in One Night</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-a-50-year-old-gadget-may-be-the-best-cure-for-insomnia">Why a 50-Year-Old Gadget May Be the Best Cure for Insomnia</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-benefits-of-being-a-morning-person">9 Benefits of Being a Morning Person</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-more-sleep-without-spending-more-time-in-bed">How to Get More Sleep Without Spending More Time in Bed</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/get-better-sleep-with-these-5-great-sleep-tracking-apps">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle get enough sleep insomnia night owl sleep sleep schedule sleeping wake up early Thu, 27 Apr 2017 09:00:09 +0000 Paul Michael 1934996 at http://www.wisebread.com Turn Your Backyard Into a Wildlife Refuge for Under $40 http://www.wisebread.com/turn-your-backyard-into-a-wildlife-refuge-for-under-40 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/turn-your-backyard-into-a-wildlife-refuge-for-under-40" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-167920766.jpg" alt="Learning how to turn a backyard into a wildlife refuge" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>One of my favorite things about where I live is that there is all kinds of wildlife I can see right outside my window. I don't need to go anywhere to experience nature. If you want to boost the wildlife population in your yard, here are some inexpensive ideas that provide a safe habitat for local creatures.</p> <h2>Bee house</h2> <p>Build a <a href="http://diydelray.com/2012/03/12/build-a-mason-bee-house-and-they-will-come/" target="_blank">mason bee house</a> to attract these pollinating bees to live and work in your yard. You can also buy a stylish <a href="http://amzn.to/2pflMEm" target="_blank">pre-made mason bee house</a> for about $20.</p> <h2>Bird house</h2> <p>Install a birdhouse to give birds a place to live in your yard even if you don&rsquo;t have a lot of natural nesting sites. You can design and build your own birdhouse from a variety of scavenged materials including coffee cans and cowboy boots or order a <a href="http://amzn.to/2pfcRTd" target="_blank">wooden birdhouse kit</a> for around $12.</p> <h2>Bird feeder</h2> <p>Birds will come from all around if you put out a bird feeder and keep it stocked with fresh birdseed. You can choose a simple <a href="http://amzn.to/2opFtKc" target="_blank">tube-style feeder</a> for as cheap as $5&ndash;$10, or get a rectangular feeder for a few dollars more. Sprinkle a bit of feed on the ground to help birds find it.</p> <h2>Hummingbird feeder</h2> <p>You can attract hummingbirds to your yard by putting out a <a href="http://amzn.to/2pYtBMj" target="_blank">nectar feeder</a>, which will cost around $10. Hummingbirds are attracted to red, so choose a feeder that is red or one that has a clear glass that can be filled with <a href="http://amzn.to/2pYwqwZ" target="_blank">red nectar</a>. Change the nectar every few days to keep it fresh. You can buy this nectar in bulk (about 64 oz) for about $10. I mix my own nectar in small batches using a powdered formula. You can also keep unused portions of nectar fresh in your refrigerator until you need to add it to your feeder.</p> <h2>Oriole feeder</h2> <p>Orioles are distinctive orange and black birds that like to eat sweet things. Attract them with a <a href="http://amzn.to/2pYITB4" target="_blank">nectar or jelly feeder</a> for about $10 featuring the color orange.</p> <h2>Birdbath</h2> <p>Put out a <a href="http://amzn.to/2oZmLId" target="_blank">birdbath</a>, and birds will come to your yard to take a bath and get a drink. A birdbath can run anywhere from $10&ndash;$40, depending on the size you get. Keep <a href="http://homeguides.sfgate.com/birdbaths-mosquitoes-46164.html" target="_blank">mosquitoes from using your birdbath</a> as a habitat by changing the water at least once a week, or use a bacterial insecticide that is not harmful to birds, fish, or other wildlife.</p> <h2>Suet feeder</h2> <p>Woodpeckers and other insect-eating birds will visit a <a href="http://amzn.to/2oZnVmT" target="_blank">suet feeder</a> (for only $10!) to get some quick energy. You can use a small metal cage or a netted bag to hold suet so that birds can access it. Place a suet cake or suet ball in your feeder and watch the fun.</p> <h2>Bat house</h2> <p>I enjoy watching bats fly around at dusk eating mosquitoes and other insects. Attract bats to your yard by putting up <a href="http://amzn.to/2pZBsfL" target="_blank">bat houses</a>. You can build your own bat house from plans or buy a preassembled bat house for about $30.</p> <h2>Squirrel feeder</h2> <p>Some people consider squirrels to be pests that raid their bird feeders, while others think squirrels are entertaining and enjoy having them around. If squirrels amuse you, put out a <a href="http://amzn.to/2pZGp83" target="_blank">squirrel feeder</a> (for about $25) to serve up ears of corn and bring squirrels in close for easy viewing.</p> <h2>Butterfly plants</h2> <p>There are a number of plants that can attract butterflies to your yard. A <a href="http://amzn.to/2pYn5oW" target="_blank">butterfly bush</a> includes low-cost seeds (a pack of 500 seeds runs around $5) and has abundant fragrant blooms that draw butterflies in from all around to feed on nectar. Milkweed attracts Monarch butterflies, since they are a favorite plant for Monarch caterpillars to eat.</p> <h2>Native prairie plants</h2> <p>Native prairie plants require less water than other landscape plants and attract birds and insects. These plants are a great natural feature that you can enjoy right in your own yard. You can grow prairie plants from seeds, or you can buy <a href="http://www.prairienursery.com/store/native-plants" target="_blank">small prairie plants</a> for $5&ndash;$10 that are ready to transplant to your yard. There are several varieties of prairie plants to choose from including ferns, grasses, and flowers. (See also: <a href="http://www.wisebread.com/13-simple-gardening-skills-anybody-can-master?ref=seealso" target="_blank">13 Simple Gardening Skills Anybody Can Master</a>)</p> <h2>Unmowed area for shelter</h2> <p>You can leave an area of your yard unmown to provide shelter for wildlife. For a small area, you can use a hoe to take out any undesired weeds, resulting in an area of tall grasses that provides shelter and a natural source of nesting materials for the ecosystem in your yard, and that won't cost a thing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/turn-your-backyard-into-a-wildlife-refuge-for-under-40">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-have-free-outdoor-fun">50+ Ways to Have Free Outdoor Fun</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/walk-walk-walk-walk-walk">Walk, walk, walk, walk, walk</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-ways-to-cut-down-on-garbage-and-save-money-too">12 Ways to Cut Down on Garbage and Save Money Too!</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/unbearably-stupid-packaging">Dumbest packaging ever?</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-ways-to-deal-with-unwanted-gifts">7 Ways to Deal With Unwanted Gifts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Green Living Lifestyle animals backyard projects bird feeder birds diy projects wildlife wildlife refuge Thu, 27 Apr 2017 08:30:13 +0000 Dr Penny Pincher 1934995 at http://www.wisebread.com The 5 Best Folding Bicycles http://www.wisebread.com/the-5-best-folding-bicycles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-folding-bicycles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_folding_bicycle_484743019.jpg" alt="Man using best folding bicycle on his commute" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people simply don&rsquo;t have enough space to store a bike. Fortunately, a folding bike can get you where you need to go without taking up much space. This makes them particularly ideal for apartment dwellers, commuters who want to bring their bike on public transit, or anyone who just can&rsquo;t devote the storage space for a bike.</p> <p>Whether you want to take up riding or want to pursue new affordable transportation options, a folding bike can provide just what you need, without sacrificing much. Some folding bicycles even work for long distances thanks to the small, strong wheels, but they normally aren&rsquo;t as fast or as stable as a traditional full-size bike.</p> <h2>What Is a Folding Bicycle?</h2> <p>A folding bicycle is a bicycle designed to conveniently fold into a compact size when it&rsquo;s not in use. This makes it easy to transport and store. They can fold up so small that you can store them in your apartment, office, or even the trunk of your car. The best part about having your compact bike with you at all times is you never have to lock it up or worry about theft.</p> <p>Folding bikes come in a wide range of sizes, colors, and options. When you&rsquo;re shopping for one, you&rsquo;ll want to find something lightweight and durable that can be folded up small, in no time flat.</p> <h2>Top 5 Folding Bicycles</h2> <h3>Dahon Mariner D7 Folding Bike</h3> <p><a href="http://amzn.to/2oKLvQY"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/dahon.jpg" width="245" height="168" align="right" alt="" /></a>The <a href="http://amzn.to/2oKLvQY" target="_blank">Dahon Mariner D7 Folding Bike</a> is designed for boaters and anyone who likes to take their bike to the beach. The durable bike is built to withstand the elements and the rust-resistant coating and chain can withstand salty air, making it ideal for boat storage. The low-profile design features a brushed aluminum frame, 20-inch wheels, seven different speeds, a high seat, and adjustable handlebars for optimal riding comfort. The flexible riding system also allows you to adjust your ride position to suit different road conditions. It also features a Dahon Neos rear derailleur for smooth, quick shifting. It conveniently folds up in less than 15 seconds and easily unfolds in seconds. It is light enough to carry on public transport and small enough to store in your apartment or boat hold.</p> <p>Consumer Search deemed this the best folding bike and it is recommended by Heavy.com. The <a href="http://amzn.to/2qgbocs" target="_blank">Dahon Vitesse i7 7-Speed Folding Bicycle</a> is another highly rated option.</p> <p><a href="http://amzn.to/2oKLvQY" target="_blank"><em>Currently $579.00 on Amazon</em></a></p> <h3>Schwinn Folding Bike</h3> <p><a href="http://amzn.to/2qgl4nF"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/schwinn_0.jpg" width="245" height="177" align="right" alt="" /></a>The <a href="http://amzn.to/2qgl4nF" target="_blank">Schwinn 20-Inch Loop Folding Bike</a> folds up small in just 15 seconds for easy transport and storage. The step-through design features a low standover frame and rigid fork, which makes it easier to mount and dismount. It features 20-inch wheels, mounts for a water bottle and rear rack, and alloy linear pull brakes for a smooth ride. The seven-speed functionality with shifters can also help you get up hills easily. It also has a stay clean pant guard and front and rear fenders to keep dirt off your clothes.</p> <p>Reviewers agree that this can provide a stable, comfortable ride. It comes in various colors and includes a heavy nylon storage bag. It is recommended by Consumer Search, comes from the trusted Schwinn brand, and is backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2qgl4nF" target="_blank"><em>Currently $215.99 on Amazon</em></a></p> <h3>Vilano Urbana Folding Bike</h3> <p><a href="http://amzn.to/2qgFcWI"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vilano.jpg" width="245" height="175" align="right" alt="" /></a>The compact <a href="http://amzn.to/2qgFcWI" target="_blank">Vilano Urbana Single Speed Folding Bike</a> quickly and easily folds away for storage. The minimalist bike is super lightweight at only 21.5 lbs. It is ideal for urban commuting in flat areas and has mounts for a water bottle and a rear rack. The stylish single speed aluminum bike features a coaster brake, 20-inch wheels, and a comfortable saddle.</p> <p>This is available in a range of colors. It is recommended by Consumer Search, is an Amazon best-seller, and is one of the &ldquo;Most Wished For&rdquo; items on Amazon.</p> <p><a href="http://amzn.to/2qgFcWI" target="_blank"><em>Currently $175.04 on Amazon</em></a></p> <h3>GTM Foldable Bicycle Folding Bike Shimano Hybrid</h3> <p><a href="http://amzn.to/2pnxzAp"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/gtm.jpg" width="245" height="187" align="right" alt="" /></a>The <a href="http://amzn.to/2pnxzAp" target="_blank">GTM 20-inch Foldable Bicycle Folding Bike Shimano Hybrid</a> has six speeds and a rear derailleur to improve your ride in any traffic condition. The 20-inch folding frame conveniently folds up in steps for easy storage. The six-speed bike features adjustable handlebars, an adjustable seat, a heavy-duty kickstand, and linear pull brakes for comfortable riding. This is available in various different colors. It is an Amazon best-seller and one of the &ldquo;Most Wished For&rdquo; items on Amazon.</p> <p><a href="http://amzn.to/2pnxzAp" target="_blank"><em>Currently $108.90 on Amazon</em></a></p> <h3>Stowabike Folding City V2 Compact Foldable Bike</h3> <p><a href="http://amzn.to/2q9uFQw"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/stowabike.jpg" width="245" height="173" align="right" alt="" /></a>The <a href="http://amzn.to/2q9uFQw" target="_blank">Stowabike 20-inch Folding City V2 Compact Foldable Bike</a> is ideal for urban commuting. The compact 20-inch steel folding frame can be easily folded and stored. It features 20-inch tires, built-in steel mud guards to keep you clean, and a built-in rack for carrying your goods. The six-speed Shimano Gear System and rubber grips also offer smooth riding. This is an Amazon best-seller and has outstanding online reviews.</p> <p><a href="http://amzn.to/2q9uFQw" target="_blank"><em>Currently $129.99 on Amazon</em></a></p> <p>And those are our recommendations for the best folding bicycles. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-folding-bicycles">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-bicycle-lights">The 5 Best Bicycle Lights</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-mountain-bikes">The 5 Best Mountain Bikes</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-binoculars">The 5 Best Binoculars</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-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Lifestyle Shopping 5 best bicycles bikes folding bicycles product reviews shopping transportation Thu, 27 Apr 2017 08:00:10 +0000 Andrea Cannon 1935492 at http://www.wisebread.com The 5 Best Luxury Pens http://www.wisebread.com/the-5-best-luxury-pens <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-luxury-pens" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hands_pen_508541368.jpg" alt="Woman using the best luxury pen to write a note" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us need pens on a daily basis, so why not treat yourself with the finest pen available? A luxury pen is a lavish &mdash; yet practical &mdash; purchase that can pay off with years of reliable use. Some luxury pens can even last a lifetime.</p> <h2>What Is a Luxury Pen?</h2> <p>A luxury pen is a stylish writing instrument that can add flair to your desk and provide the best writing experience available at your home and office. The most common types of luxury pens include ballpoint, rollerball, and fountain pens. Whether you&rsquo;re looking for the perfect gift or want to upgrade your personal office supplies and enhance your writing experience, the options below will help you make your mark. (See also: <a href="http://www.wisebread.com/the-5-best-pens?ref=seealso">The 5 Best Pens</a>)</p> <h2>Top 5 Luxury Pens</h2> <h3>Cross Edge Capless Gel Ink Pen</h3> <p><a href="http://amzn.to/2q3gwRY"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/cross.jpg" width="245" height="38" align="right" alt="" /></a>The <a href="http://amzn.to/2q3gwRY" target="_blank">Cross Edge Capless Gel Ink Pen</a> writes smoothly, is comfortable to hold, and features front-load refill technology. The capless rollerball pen features a patented click-and-slide mechanism, in which you slide to open and click to close for easy single-handed operation. The timeless style is encased in metallic fusion resin and features a punched-out logo detailing.</p> <p>This is available in various finishes and ink colors. You can also choose between ink and ballpoint pen refills. Many reviewers said that it writes like a fountain pen with less hassle. It is backed by outstanding online reviews, including hundreds of five-star reviews on Amazon, as well as a lifetime mechanical guarantee.</p> <p><a href="http://amzn.to/2q3gwRY" target="_blank"><em>Currently $32.65 on Amazon</em></a></p> <h3>IDEAPOOL Natural Handcrafted Rosewood Ballpoint Pen</h3> <p><a href="http://amzn.to/2oK0Xxt"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ideapool.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2oK0Xxt" target="_blank">IDEAPOOL Natural Handcrafted Rosewood Ballpoint Pen Set</a> writes smoothly and has good flow. Made with 100 percent natural rosewood, it is light and very comfortable to use.</p> <p>This looks elegant and comes from the trusted IDEAPOOL brand. It includes a stainless steel black ink refill and gift box. It is also backed by outstanding reviews and a refund guarantee.</p> <p><a href="http://amzn.to/2oK0Xxt" target="_blank"><em>Currently $12.75 on Amazon</em></a></p> <h3>Pilot Metropolitan Collection Fountain Pen</h3> <p><a href="http://amzn.to/2oJRs1w"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pilot%20mr.jpg" width="22" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in fountain pens, the elegant <a href="http://amzn.to/2oJRs1w" target="_blank">Pilot Metropolitan Collection Fountain Pen</a> is the best luxury fountain pen you can find. The unique laser cut nib delivers smooth writing, making it ideal even for fountain pen beginners. The sleek pen has a timeless design and sophisticated features, like durable brass barrels, premium matte finishes, and polished accents.</p> <p>This includes a black ink cartridge, a Pilot Press Plate Converter, and a gift box. It is available in various colors and writing styles. It is also backed by outstanding online reviews, including hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2oJRs1w" target="_blank"><em>Currently $13.08 on Amazon</em></a></p> <h3>Parker IM Royal Blue Chrome Trim Ballpoint Pen</h3> <p><a href="http://amzn.to/2pjJTSm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/parker.jpg" width="245" height="181" align="right" alt="" /></a>The <a href="http://amzn.to/2pjJTSm" target="_blank">Parker IM Royal Blue Chrome Trim Ballpoint Pen</a> is the best click top retractable ballpoint pen you can find. It features the signature Parker arrow clip and sleek blue chrome trim. It comes from the trusted Parker brand and includes a gift box.</p> <p><a href="http://amzn.to/2pjJTSm" target="_blank"><em>Currently $29.90 on Amazon</em></a></p> <h3>Montblanc StarWalker Ballpoint Pen</h3> <p><a href="http://amzn.to/2oubaCo"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/montblanc.jpg" width="245" height="60" align="right" alt="" /></a>If you&rsquo;re okay with spending more on your luxury pen, then the <a href="http://amzn.to/2oubaCo" target="_blank">Montblanc StarWalker Ballpoint Pen</a> is the best you can find. It features a twist mechanism with floating Montblanc emblem in the transparent cap. It is made from black precious resin and features ruthenium-plated clip and rings. The upscale pen is widely recommended by pen experts. It also comes from the highly-regarded Montblanc brand.</p> <p><a href="http://amzn.to/2oubaCo" target="_blank"><em>Currently $203.00 on Amazon</em></a></p> <p>And those are our recommendations for the best luxury pens. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-luxury-pens">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pens">The 5 Best 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-office-highlighters">The 5 Best Office Highlighters</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-forehead-thermometers">The 5 Best Forehead Thermometers</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-binoculars">The 5 Best Binoculars</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-frizz-control-products">The 5 Best Frizz Control Products</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best best pens luxury pens pen pens product reviews shopping writing utensils Wed, 26 Apr 2017 08:00:09 +0000 Andrea Cannon 1935076 at http://www.wisebread.com Best Money Tips: Ways to Save Money and Still Have the Wedding of Your Dreams http://www.wisebread.com/best-money-tips-ways-to-save-money-and-still-have-the-wedding-of-your-dreams <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-money-and-still-have-the-wedding-of-your-dreams" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-181082287.jpg" alt="Couple learning how to save money and have a dream wedding" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on ways to save and still have the wedding of your dreams, mistakes to avoid with your retirement plan, and financial tips for your last month of college.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.popsugar.com/smart-living/How-Save-Money-Wedding-23603315">130 Ways to Save Money and Still Have the Wedding of Your Dreams</a> &mdash; Your dream wedding doesn't have to cost an arm and a leg! Don't miss these tips on how to save money while having your perfect wedding. [PopSugar Smart Living]</p> <p><a href="http://www.investopedia.com/advisor-network/articles/061316/4-mistakes-avoid-your-retirement-plan/">4 Mistakes to Avoid with Your Retirement Plan</a> &mdash; Don't make the mistake of paying high fees on your retirement plan. [Investopedia]</p> <p><a href="http://money.usnews.com/money/personal-finance/family-finance/articles/2017-04-14/college-seniors-know-these-4-financial-tips-for-your-last-month-of-college">College Seniors: Know These 4 Financial Tips for Your Last Month of College</a> &mdash; Are you graduating within the next month? Take the time to check your credit score! [US News &amp; World Report]</p> <p><a href="https://www.aol.com/article/finance/2017/04/14/10-thoughtful-and-frugal-mother-s-day-gift-ideas/22040028/">10 thoughtful and frugal Mother's Day gift ideas</a>&nbsp;&mdash; This Mother's Day, consider giving your mom the day off or creating a slideshow for her. [AOL&nbsp;Finance]</p> <p><a href="https://ptmoney.com/ways-to-invest-in-real-estate/">6 Different Ways to Invest in Real Estate (from $10 to $100,000)</a> &mdash; Want to invest in real estate? Consider doing a live-in flip! [PT Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://barbarafriedbergpersonalfinance.com/earn-money-online-seniors-retirees/">How to Earn Money Online &mdash; 5 Jobs For Seniors and Retirees</a> &mdash; Creating your own store online is a great way for seniors and retirees to earn some extra money online. [Barbara Friedberg Personal Finance]</p> <p><a href="http://www.andreaworoch.com/mail-theft-how-to-protect-your-mail/">Mail Theft: How to Protect Your Mail</a>&nbsp;&mdash; Installing a mailbox with a key can help keep your mail (and identity) safe. [Andrea Woroch]</p> <p><a href="http://adulting.tv/article/solving-communication-problems/">5 Tips for Solving Communication Problems With Your S.O.</a> &mdash; Letting your guard down and avoiding name calling can help solve communication problems with your significant other. [Adulting]</p> <p><a href="http://parentingsquad.com/keep-your-kids-away-from-these-6-potentially-poisonous-items">Keep Your Kids Away From These 6 Potentially Poisonous Items</a>&nbsp;&mdash; Always make sure to keep your kids away from medications and alcohol. [Parenting Squad]</p> <p><a href="http://www.csmonitor.com/Business/In-Gear/2017/0407/Hyundai-Kia-recall-1.2-million-vehicles-to-prevent-premature-engine-failure">Hyundai, Kia recall 1.2 million vehicles to prevent premature engine failure</a>&nbsp;&mdash; If you have a Hyundai or Kia, make sure you are up to date on the latest recall. [The Christian Science Monitor]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-save-money-and-still-have-the-wedding-of-your-dreams">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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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/3-great-reasons-to-choose-a-secondhand-engagement-ring-and-where-to-find-one">3 Great Reasons to Choose a Secondhand Engagement Ring (and Where to Find One)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-frugal-guests-guide-to-surviving-wedding-season">The Frugal Guest&#039;s Guide to Surviving Wedding Season</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips wedding Thu, 20 Apr 2017 08:30:08 +0000 Ashley Jacobs 1930303 at http://www.wisebread.com Treat Yourself With These 7 Free Self-Care Routines http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/treat-yourself-with-these-7-free-self-care-routines" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-477120696.jpg" alt="Woman treating herself with free self-care routines" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You'll be of no use to anyone lest you take care of yourself. That's right &mdash; on the list of priorities, <em>you </em>should come first. For some personality types, this comes easier than others. No matter what your schedule and responsibilities, it's still possible to take time to nourish and refresh your mind and body. A little self-care goes a long way toward helping you become your better self &mdash; and it doesn't have to cost a thing. (See also: <a href="http://www.wisebread.com/when-self-care-actually-harms-your-budget?ref=seealso" target="_blank">When Self-Care Actually Harms Your Budget</a>)</p> <h2>1. Dance like no one's watching</h2> <p>Not only can dancing help to boost your spirits, it can also advance your mental health and well-being by stimulating the brain's sensory and motor circuits. Dancing on a regular basis, whether on stage or at home in your pajamas, is also known to help relieve chronic pain, reduce stress and anxiety, and stabilize the effects of diseases, such as Parkinson's.</p> <h2>2. Soak up the sun</h2> <p>For a natural boost of serotonin &mdash;&nbsp;the hormone that promotes happiness and good feelings &mdash; look no further than the sunshine beaming outside your front door. A healthy dose of UV rays can help to make you feel calm, cool, and collected, while also working to prevent seasonal affective disorder. No matter the weather, time spent in the great outdoors is a proven mood booster, so don't let a little cloud cover or drizzle prevent you from spending more time in nature. Plus, you don't have to pay a dime to walk outside.</p> <h2>3. Practice yoga</h2> <p>The use of yoga as a system of self-care and healing is one of many beneficial reasons to do it. Rather than viewing yoga as a means to getting a good workout, the ancient art of movement and breath work can be used as a tool for developing the right attitude to face life's great challenges. Luckily, you don't need a fancy yoga studio membership to reap all of these benefits. Yoga Journal and YouTube, for example, offer free videos for energizing morning yoga sequences to start you on your journey toward peace and contentment. Look for free yoga apps on your smartphone, too. (See also: <a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes?ref=seealso" target="_blank">Where to Find Free or Cheap Yoga Classes</a>)</p> <h2>4. Sleep on your side</h2> <p>Experts insist that sleeping on your side offers the best chance for a night of uninterrupted slumber. Side-sleepers are also less likely to experience morning neck, back, or hip pain because this sleeping position helps to keep your spine well-supported.</p> <p>Pro tip: if sleeping on your side doesn't come naturally, or if it causes you to feel discomfort, consider placing a pillow between your legs to alleviate pressure on your hips and lower back.</p> <h2>5. Clean and moisturize your face</h2> <p>The best defense against pimples and clogged pores is a committed nighttime skin-cleaning regimen. Not only will removing all the dirt and makeup from your face before bed keep your skin looking clear, but it will also help you to feel more happy and confident. Not surprisingly, acne is often a trigger for depression, especially in teens. Of course, everyone's skin is different and this daily routine might not clear up acne completely, but it will certainly help prevent the spread of bacteria that causes breakouts.</p> <p>The good news is there's no need to break the bank on designer night creams. Experts say even the most basic moisturizers are packed with peptides and vitamin C, and those are precisely the ingredients you need to make your skin firmer and prevent new wrinkles from forming.</p> <h2>6. Forgive and forget</h2> <p>When we release negative emotions, we create new space for more positivity within our psyche. According to Everett Worthington, a professor of psychology at Virginia Commonwealth University, learning to forgive others can improve not only your mental and emotional well-being, but also your physical health. &quot;When you get rid of anger, your muscles relax, you're less anxious, you have more energy, [and] your immune system can strengthen,&quot; he told the American Psychological Association.</p> <h2>7. Reflect on your daily accomplishments</h2> <p>Celebrate your daily victories, no matter how small. Did you meet your goal to get up early and exercise before making the commute to work? Maybe you stood up for yourself in a difficult social situation, or performed a good deed for a stranger. Take a mental note of all you've achieved at the end of each day and spend a moment basking in that well-earned sense of satisfaction.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines">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/when-self-care-actually-harms-your-budget">When Self-Care Actually Harms Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/learn-to-love-winter-with-some-simple-self-deception">Mental Tricks That Will Help You Hate Winter Less</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</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/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle healthy lifestyle mental health self-care self-care tips take care of yourself treat yo self treat yourself Thu, 13 Apr 2017 08:30:16 +0000 Brittany Lyte 1926608 at http://www.wisebread.com 5 Surprising Budget Habits of Wealthy Financial Gurus http://www.wisebread.com/5-surprising-budget-habits-of-wealthy-financial-gurus <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-surprising-budget-habits-of-wealthy-financial-gurus" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-482951141.jpg" alt="Learning budget habits of wealthy financial gurus" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>&quot;He who will not economize will have to agonize,&quot; warned Chinese philosopher Confucius as early as the 5th Century B.C. His advice has survived the test of time and has become the mantra of many individuals in their quest for financial success.</p> <p>However, you would think that once somebody &quot;makes it,&quot; it's time to sit back and &quot;<a href="http://www.wisebread.com/the-high-cost-of-the-treat-yourself-mindset?ref=internal" target="_blank">treat yourself</a>.&quot; Not so fast! Let's review five wealthy financial gurus who continue to save money in the most surprising ways.</p> <h2>1. Warren Buffett eats McDonald's every day for breakfast</h2> <p>With an estimated net worth of over $78 billion, Warren Buffett can definitely afford to sip mimosas for breakfast without sweating the bill. Still, the Oracle of Omaha revealed in a recent 2017 documentary that he sticks to a daily breakfast budget of <a href="http://time.com/money/4656662/heres-what-warren-buffett-eats-for-breakfast-every-day/" target="_blank">no more than $3.17</a> at Mickey D's.</p> <p>Buffett usually picks up his breakfast from the drive-thru of a nearby McDonald's on his way to the office. &quot;When I'm not feeling quite so prosperous, I might go with the $2.61, which is two sausage patties, and then I put them together and pour myself a Coke,&quot; Buffett deadpans. Coke for breakfast, you ask? Buffett's investment company holds <a href="http://www.cnbc.com/berkshire-hathaway-portfolio/" target="_blank">over 9 percent</a> of shares from the drink company.</p> <h2>2. T. Boone Pickens owns a pair of shoes from 1957</h2> <p>Through his success in the oil and gas sector, T. Boone Pickens amassed a fortune over the years and ventured into the financing and investment sectors. In 2012, <a href="https://www.forbes.com/profile/t-boone-pickens/" target="_blank">Pickens ranked #913</a> on Forbes' list of billionaires. Nowadays, he doesn't rank in that list at all because he has given more than $1 billion away through his philanthropic efforts.</p> <p>Despite his financial success, the author of <a href="http://amzn.to/2mYvcn7" target="_blank">The First Billion Is the Hardest</a> uses what he buys until it falls apart, which can be several decades later. &quot;If I want something, I look at it, decide what it is, but it will usually be the best product. I've got a pair of loafers that I still wear that I got in 1957,&quot; he disclosed <a href="http://www.politico.com/story/2011/06/q-a-with-t-boone-pickens-057296" target="_blank">during an interview</a> in 2011.</p> <p>And it's not just shoes, Pickens limits the size of the pieces on his closet in general. &quot;People are always surprised that I don't have a closet full of suits,&quot; Pickens told Kiplinger. &quot;I buy three suits every five or so years and only own 10 total. That's all I need.&quot;</p> <h2>3. Mitt Romney hunts for cheap flights</h2> <p>While you may know Mitt Romney mostly for being a former presidential candidate, he is also the co-founder of the private equity firm Bain Capital. Through his work as a management consultant and <a href="http://www.wisebread.com/5-investments-that-arent-stocks-or-bonds?ref=internal" target="_blank">private equity</a> investor, he has a high net worth &mdash; estimated at <a href="http://www.forbes.com/sites/edwindurgy/2012/05/16/what-mitt-romney-is-really-worth/#783284812927" target="_blank">$230 million</a> by Forbes when he ran for office back in 2012.</p> <p>Not a stranger to the finer things in life, you would expect Romney to stick only with premium buys. While he has purchased six-figure Warmblood horses, he also loves finding bargains. According to The New York Times, he is obsessed with scoring cheap flights on JetBlue. A longtime adviser to Romney supported that claim by stating that, when asked to change a flight, Romney hesitated and responded, &quot;Well, it's a cheap flight. It's a middle seat, but I got a great JetBlue rate.&quot;</p> <h2>4. Jack Bogle eats PB&amp;J sandwiches for lunch</h2> <p>One of the few <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett" target="_blank">investors with better returns than Warren Buffett</a> is John &quot;Jack&quot; Bogle, founder and retired CEO of the Vanguard Group. If the Vanguard name sounds familiar, it's most likely because you own one of its low-cost <a href="http://www.wisebread.com/3-steps-to-getting-started-in-the-stock-market-with-index-funds?ref=internal" target="_blank">index funds</a> in your retirement or investment account. And you wouldn't be alone: Just the Vanguard 500 Index Investor Shares fund [Nasdaq: <a href="https://finance.yahoo.com/quote/VFINX?p=VFINX" target="_blank">VFINX</a>] has $292.36 billion in assets as of February 2017!</p> <p>As the pioneer of low-cost passively managed index funds, Bogle believes that the key to making it big in investments is to aggressively minimize fees. And he sticks by this belief in life as well. Many publications have recounted that his go-to lunch food is peanut butter and jelly sandwiches. He began bringing a PB&amp;J sandwich and an apple when he first started Vanguard because he refused to pay the prices charged in his own cafeteria. And when he does have to order there, he sticks with a simple grilled cheese sandwich.</p> <h2>5. David Cheriton cuts his own hair</h2> <p>A common daydream of individual investors is to uncover the next Microsoft, Facebook, or Apple, become the first one to invest in that moneymaker, and be set for life. Stanford professor David Cheriton happens to be one of those investors that hit the jackpot when in 1998, he wrote a check for $100,000 to Google founders Larry Page and Sergey Brin. Today, that investment makes up the bulk of his estimated $4.2 billion net worth.</p> <p>As of 2012, the &quot;Billionaire Professor&quot; had invested over $50 million across 17 startups and companies, and continues to invest. To this day, he continues to plunk down checks in several other companies, such as AISense and ThreatSTOP.</p> <p>With such an investing pedigree, you would think that he wouldn't mind splurging a bit on a nice haircut once a month. For over three decades, Cheriton prefers to cut his hair himself. &quot;It's not that I can't fathom a haircut,&quot; said Cheriton. &quot;It's just easy to do myself, and it takes less time,&quot; he confessed to Forbes. Since the professor is adept at making good calls, probably nobody would argue with him on this one.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/5-surprising-budget-habits-of-wealthy-financial-gurus">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/knowing-when-to-walk-away-financial-planning-for-an-unknown-ending">Knowing When to Walk Away: Financial Planning for an Unknown Ending</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-shouldnt-invest-like-warren-buffett">7 Reasons You Shouldn&#039;t Invest Like Warren Buffett</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-disappearance-of-real-america-my-guest-post-at-zen-habits">The disappearance of real America - my guest post at Zen Habits</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-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</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-are-people-retiring-in-their-30s">How Are People Retiring in Their 30s?!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Lifestyle budget buys cheap finance gurus inspiration live within your means saving money vanguard Warren Buffett wealthy Fri, 24 Mar 2017 10:00:10 +0000 Damian Davila 1911600 at http://www.wisebread.com 5 Reasons Stealth Wealth Is the Best Wealth http://www.wisebread.com/5-reasons-stealth-wealth-is-the-best-wealth <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-reasons-stealth-wealth-is-the-best-wealth" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-518885222.jpg" alt="Woman learning stealth wealth is the best wealth" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Some people who have a lot of money like to show it off. They buy large houses, expensive cars, and all the toys you can imagine. But others keep their affluence on the down low. They don't look any different from anyone else, but they have some serious cash stashed away.</p> <p>These folks have what is known as <a href="http://www.theretirementmanifesto.com/stealth-wealth/" target="_blank">stealth wealth</a>. They are worth way more than they appear to be, and they often manage to retire early or follow their dreams in some other way that surprises the people around them &mdash; people who never realized they had that kind of money.</p> <p>Sure, showing off your money is fun. But stealth wealth has its advantages, too.</p> <h2>1. It's real</h2> <p>The biggest advantage of stealth wealth is that it's real. So many people who live extravagant lifestyles are actually broke, living paycheck to paycheck, without savings for retirement or anything else. They are spending all their money maintaining their lifestyle without accumulating much of anything for later. Sure, their things are nice, but that's all they have.</p> <p>Others are in debt. They don't actually have the wealth to maintain their lifestyle, so they are burdened by loans and all of the stress that comes with spending a lot more money than you make. (See also: <a href="http://www.wisebread.com/5-when-youre-rich-dream-buys-that-arent-that-great?ref=seealso" target="_blank">5 &quot;When You're Rich&quot; Dream Buys That Aren't That Great</a>)</p> <h2>2. It lets you fly under the radar</h2> <p>Sometimes it's nice to fly under the radar. If you don't look wealthy, people won't ask you for loans. They won't ask you to support their wild new business scheme. They won't bug you for investment tips. And sometimes, that's what you want.</p> <p>Most people with stealth wealth have hobbies and interests that go beyond their money, and they just aren't that interested in talking about finance. Sure, they've invested well and made wise choices, but there's not that much more to say about it. So keeping their affluence hidden means fewer question-and-answer sessions about money.</p> <p>Flying under the radar also means you don't have to keep up with the Joneses. If people don't realize you're wealthy, they won't expect you to buy a bigger house, drive a nicer car, or shop at expensive stores. The pressure is off, so you are free to make whatever financial decisions are best for you.</p> <h2>3. It allows you to aim beyond accumulating stuff</h2> <p>Stealth wealth offers a way to live life focused on <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things?ref=internal" target="_blank">experiences, rather than material goods</a>, a strategy that's been proven to make people happier. If you want to give a lot to charity, you can do that. If you want to take a couple of seriously luxurious vacations every year, you can do that, too. Or, you can just focus on micro-experiences, like dinners out with friends, more often.</p> <p>That's the freedom that comes from not being tied to expensive payments on a home, a car, or a designer wardrobe. (See also: <a href="http://www.wisebread.com/10-habits-of-financially-happy-people?ref=seealso" target="_blank">10 Habits of Financially Happy People</a>)</p> <h2>4. It's empowering</h2> <p>Sometimes, people with showy wealth begin to believe that their happiness is tied to ever greater consumption. They feel like they have to have lots of nice things, and the money to get more, or they will be miserable. It's a spiral of discontent. The more they buy, the more they feel they need to buy. They become slaves to their ostentatious lifestyle.</p> <p>Folks with stealth wealth don't usually fall into this trap. Instead, they are using their money to achieve a goal. Whether that's early retirement or traveling the world, they aren't distracted by the pursuit of shiny objects. Instead, they know what will make them happy and have chosen to order their lives to attain that. Money is a tool toward happiness, not happiness itself.</p> <h2>5. It offers freedom from work</h2> <p>Many folks with stealth wealth are working toward early retirement. They know that they will be happier not being tied to a desk or an office in a day job. They are accumulating wealth so they can enjoy freedom from the working world.</p> <p>Chasing ostentatious things, on the other hand, can tie you to a job you don't really want. In order to maintain payments on a mansion and a luxury car, you may have to keep working to pay those bills. While that's a perfectly acceptable way to live, it doesn't offer the same freedom that stealth wealth can give.</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/5-reasons-stealth-wealth-is-the-best-wealth">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-life-is-wonderful-when-youre-debt-free">6 Ways Life is Wonderful When You&#039;re Debt-Free</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-peer-pressure-from-destroying-your-finances">How to Keep Peer Pressure From Destroying Your Finances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-are-people-retiring-in-their-30s">How Are People Retiring in Their 30s?!</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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-self-destructive-habits-that-keep-you-in-debt">8 Self-Destructive Habits That Keep You in Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle early retirement financial freedom keeping up with the joneses living with your means saving money stealth wealth Fri, 24 Mar 2017 09:30:40 +0000 Sarah Winfrey 1911599 at http://www.wisebread.com 8 Self-Destructive Habits That Keep You in Debt http://www.wisebread.com/8-self-destructive-habits-that-keep-you-in-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-self-destructive-habits-that-keep-you-in-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-541589586.jpg" alt="Woman learning self-destructive habits that keep her in debt" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>America's consumer economy is built on overspending, and our consumer culture encourages the liberal use of credit to pay for everything from cheeseburgers to cars. Pulling ourselves out of the &quot;debt is just part of life&quot; mentality takes a nearly herculean effort. If you're having a hard time getting there, maybe a few bad habits are holding you back. Here are eight self-destructive behaviors that keep you in debt.</p> <h2>1. Keeping up with the Joneses</h2> <p>Viewing consumption as a competition will keep you overworked, stressed, and broke. Disconnect as much as possible from a lifestyle influenced by constant comparison and one-upmanship. Instead, shift your focus to things less visible &mdash; freedom, financial peace of mind, and victory over debt.</p> <h2>2. Impulse buying</h2> <p>Developing new methods to tempt consumers with impulse buys is a science unto itself. If you don't recognize and steel yourself against the tactics marketers use, your budget will always be vulnerable to last-minute splurges. Explore <a href="http://www.wisebread.com/9-simple-ways-to-stop-impulse-buying?ref=internal" target="_blank">ways to stop impulse buying</a> and teach them to your kids.</p> <h2>3. Playing the victim</h2> <p>Maybe your parents didn't set a good financial example. Maybe you're terrible with numbers. Maybe you're reeling from a financially disastrous divorce. Whatever the situation, it's time to move beyond it. Playing the money victim only deflects responsibility and sets people up for a lifetime of financial chaos. Retire your old script. Embrace positive change and develop new financial skills little by little. (See also: <a href="http://www.wisebread.com/how-to-get-your-finances-back-on-track-after-losing-everything?ref=seealso" target="_blank">How to Get Your Finances Back on Track After Losing Everything</a>)</p> <h2>4. Practicing &quot;retail therapy&quot;</h2> <p>Coping with boredom and stress by shopping creates a maddening loop. Working harder to pay the credit card bills makes us more stressed &mdash; a condition that only invites more retail therapy and more debt. Jump off the hamster wheel once and for all. Try to de-stress through simple experiences, time with friends and family, mindful exercise, and relaxing hobbies. (See also: <a href="http://www.wisebread.com/50-things-you-can-do-today-instead-of-going-shopping?ref=seealso" target="_blank">50 Things You Can Do Today Instead of Going Shopping</a>)</p> <h2>5. Bailing out your adult children</h2> <p>It's difficult to watch kids make the same mistakes we made (or worse, make mistakes so profound, ours pale in comparison). But bailing adult children out of sticky financial situations only achieves two things: First, it spreads the damage and puts parents' financial security at risk. Second, it teaches children that there will always be a last-minute money superhero to save the day. Skip the heroics and practice a little tough love.</p> <h2>6. Treating yourself</h2> <p>Phrases like &quot;I'm going to treat myself&quot; (and its cousin, &quot;I deserve it&quot;) are used to justify a host of financial missteps. Sure, treating ourselves can be a genuinely healthy motivator and we may even &quot;deserve&quot; whatever it is we want to buy. The danger of these justifications lies in their overuse. Remember, it's not a treat if you do it every day. And the thing you deserve most is to live a financially secure life. (See also: <a href="http://www.wisebread.com/the-high-cost-of-the-treat-yourself-mindset?ref=seealso" target="_blank">The High Cost of the &quot;Treat Yourself&quot; Mindset</a>)</p> <h2>7. Being an early adopter</h2> <p>New technology is expensive. Rushing out to buy the latest smartphone, gaming system, or ultrathin TV not only means you're paying top dollar, but it also means you're much more likely to charge it. Take a breather. Wait for competitors to enter the market and drive down prices with comparable products. (See also: <a href="http://www.wisebread.com/tech-life-8-reasons-why-you-shouldn-t-be-an-early-adopter?ref=seealso" target="_blank">8 Reasons Why You Shouldn't Be an Early Adopter</a>)</p> <h2>8. Ignoring personal finance</h2> <p>The fundamentals of personal finance don't go away just because you ignore them. If you're not living by a <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps?ref=internal" target="_blank">realistic budget</a>, avoiding consumer debt, spending less than you earn, and <a href="http://www.wisebread.com/10-signs-you-arent-saving-enough-for-retirement" target="_blank">investing for retirement</a>, you're likely being controlled by your money instead of controlling it. Without a few basic personal finance skills under your belt, debt doesn't become just a possibility &mdash; it becomes a scary inevitability.</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-self-destructive-habits-that-keep-you-in-debt">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-expenses-to-ditch-after-age-30">5 Expenses to Ditch After Age 30</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/3-ways-good-sleep-makes-you-wealthier">3 Ways Good Sleep Makes You Wealthier</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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle bad habits behaviors impulse spending keeping up with the joneses loaning money retail therapy treat yourself Fri, 24 Mar 2017 09:00:17 +0000 Kentin Waits 1911509 at http://www.wisebread.com 5 Unexpected Costs of Political Activism http://www.wisebread.com/5-unexpected-costs-of-political-activism <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-unexpected-costs-of-political-activism" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-508494106.jpg" alt="Protesters learning unexpected costs of political activism" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Protests are breaking out all over the U.S. these days. For frustrated Americans, taking part in a peaceful demonstration can help restore a sense of personal control. And protesting works. Not always, and sometimes not to the degree that people wish, but history is full of examples of how public movements have brought real and positive change.</p> <p>If you're thinking of joining a protest, it helps to understand just what the personal repercussions might be. Not that you should always let fear rule out over conscience. But consider these unexpected costs of activism, so you know exactly what you're getting yourself into.</p> <h2>1. You can jeopardize your career</h2> <p>You have every right to protest whatever you want. It's what makes America, and many other civilized countries, great. However, just because it's your right doesn't mean your current or future employer will look favorably upon your decision to speak out. Employers may not agree with your political stance.</p> <p>Even if they do, they may worry clients or the public will look down on it. And with smartphones and social media a staple of society, chances are, you'll be caught on camera. If you are in any kind of position that is public-facing, be it a teacher, a lawyer, or a public relations manager, you could be on shaky ground.</p> <p>Almost all U.S. states are &quot;at-will employment&quot; states, meaning employers can terminate you for any reason and without warning. Unless there are state laws, or company or union policies in place that specifically protect you, you could be fired for engaging in lawful political activity. (See also: <a href="http://www.wisebread.com/4-financial-reasons-to-keep-your-political-views-private?ref=seealso" target="_blank">4 Financial Reasons to Keep Your Political Views Private</a>)</p> <h2>2. You may need to take time off work</h2> <p>Protesting is usually not convenient. It is frequently centered around an event or day that has meaning, and that means it will often fall on a work day. For those of us who have jobs that are flexible with hours &mdash; or allow vacation and personal days for such things &mdash; no problem.</p> <p>But you may not have that luxury. Can you afford to take a day off without pay? Can you afford for that to become two, three, or four days without pay if the protest continues to gain momentum? Some people maintain that the monetary cost is nothing compared to the moral cost of staying silent, but remember, that noble reason will not fly with the bank when the mortgage is overdue.</p> <h2>3. Your protest may put you in the spotlight</h2> <p>Protests can turn a relatively unknown issue into something that everyone is talking about. That's good in that it leads to a greater chance for change.</p> <p>Just make sure you're prepared to have the spotlight turned on you personally as well, even if it's only within your circle of friends and acquaintances. The 2016 election left the country more divided than any time in recent memory, so once you make your stance known, you will most likely be met with tension from the other side. Ask any outspoken person with a large following on Twitter, and they'll tell you how often their political opinions are met with threats. Not that you should let fear of internet trolls keep you from defending the greater good, but it is something to be aware of.</p> <h2>4. You could get arrested &hellip; or worse</h2> <p>Peaceful protests don't always stay that way. When two sides come together with vastly opposing views, tempers flare. When authorities are dispatched to keep the peace, it can be the start of unrest, which can turn violent.</p> <p>Hopefully, you will be involved in a peaceful protest that makes its point without leading to chaos or physical harm. But this is not an ideal world. There may be fights. You might be arrested because of a simple miscommunication, intentional abuse of police power, or just for being in the wrong place at the wrong time. You may even be injured, perhaps severely. Many people believe these risks are worth taking, but if you have a family that depends on you, think twice.</p> <h2>5. You could fall out with family and friends</h2> <p>Polarizing opinions can be fatal for friendships and family dynamics. A recent news article told the story of how a <a href="http://www.nydailynews.com/news/national/couple-22-years-divorcing-trump-vote-article-1.2966332" target="_blank">22-year marriage ended over the election of Donald Trump</a>.</p> <p>Attending a protest for anything could cause disruptions in your relationships, leading to arguments and irreparably hurt feelings. While it is important to have your own opinions, voicing them publicly can have consequences. Just make sure you are prepared for the fallout.</p> <p>No matter which side your political views align with, you probably will never regret fighting for what you believe in. And fear of anything listed above certainly is not a reason to avoid political activism entirely. Just know what you're up against going in, so you're ready if any of these repercussions do begin to surface.</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/5-unexpected-costs-of-political-activism">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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-world-currencies-that-took-a-hit-in-2016">8 World Currencies That Took a Hit in 2016</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/will-your-brand-boycott-actually-make-a-difference">Will Your Brand Boycott Actually Make a Difference?</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/learn-to-love-winter-with-some-simple-self-deception">Mental Tricks That Will Help You Hate Winter Less</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Financial News Lifestyle activists expenses high cost marches political activism politics protesting self-care unexpected costs Mon, 20 Mar 2017 11:00:15 +0000 Paul Michael 1911512 at http://www.wisebread.com Flashback Friday: 48 Ways to Master the Art of Decluttering in Time for Spring http://www.wisebread.com/flashback-friday-48-ways-to-master-the-art-of-decluttering-in-time-for-spring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-48-ways-to-master-the-art-of-decluttering-in-time-for-spring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_clutter_clothes_520127146.jpg" alt="Woman mastering the art of decluttering in time for spring" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With spring about to be sprung, it's time to tidy up your life. A major aspect of that is clearing out the clutter. Because once clutter accumulates, you lose track of things, your stress increases, and it really just gets in your way. Who needs that? Here's how to maximize your full decluttering potential when it comes time to spring clean.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/three_coffee_mugs_75581393_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/make-money-and-declutter-by-selling-these-5-unlikely-treasures?ref=seealso">Make Money and Declutter by Selling These 5 Unlikely Treasures</a> &mdash; There are certain items in your house right now that can bring in some extra cash. If you're not using it, why not make a little money instead, right? Clear the junk and fill your bank account.</p> <p><a href="http://www.wisebread.com/my-16-favorite-ways-to-get-rid-of-clutter?ref=seealso">My 16 Favorite Ways to Get Rid of Clutter</a> &mdash; A fantastic way to get ready to declutter is to hear another person's success story on the process. And nobody maximizes their space and earning potential quite like Max Wong. She can practically turn dust into diamonds and sell them to a major jeweler. She'll steer you right.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman-clothes-rack-Dollarphotoclub_75282538.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-questions-to-ask-yourself-to-help-you-declutter?ref=seealso">8 Questions to Ask Yourself to Help You Declutter</a> &mdash; Your clutter is there for a reason. The items occupying all your free space might have sentimental value, or you might have a bit of FOMO at the thought of throwing something away. These self-reflective questions will help you understand why you need to declutter in the first place, and how to avoid it altogether in the future.</p> <p><a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps?ref=seealso">Turn Old Clothes Into Money With These 4 Tools and Apps</a> &mdash; If I had a dollar every time I went into my closet and noticed a dress or shirt I never wear anymore, I'd be rich. Well, now I can put my money where my mouth is (and so can you!) by selling those unwanted pieces through these helpful apps and tools.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-493440144.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-smart-ways-to-keep-your-entire-life-clutter-free?ref=seealso">10 Smart Ways to Keep Your Entire Life Clutter-Free</a> &mdash; This method for decluttering is particularly brilliant, because it has you start out small. These tips also help you change the way you think about tangible things as soon as they come into your possession, and decide immediately whether or not you really need them.</p> <p><a href="http://www.wisebread.com/the-only-5-words-you-need-to-declutter-your-life?ref=seealso">The Only 5 Words You Need to Declutter Your Life</a> &mdash; Enter into Spring Cleaning season with this five-word mantra and you'll glide into summer as free as a bird. It's as easy as Refuse, Reduce, Reuse, Recycle, and Rot. Yup, rot. Now get to work!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-48-ways-to-master-the-art-of-decluttering-in-time-for-spring">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-82-best-spring-cleaning-hacks-we-ve-ever-shared">Flashback Friday: The 82 Best Spring Cleaning Hacks We’ve Ever Shared</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/12-garage-sale-items-that-sell-like-hotcakes">12 Garage Sale Items That Sell Like Hotcakes</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-smart-ways-to-keep-your-entire-life-clutter-free">10 Smart Ways to Keep Your Entire Life Clutter-Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 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/how-to-spring-clean-your-whole-life-one-step-at-a-time">How to Spring Clean Your Whole Life — One Step at a Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Lifestyle clean declutter decluttering fbf flashback friday saving money sell your stuff spring cleaning Fri, 17 Mar 2017 10:30:24 +0000 Chrissa Hardy 1910936 at http://www.wisebread.com 10 Lifestyle Changes That Will Always Pay Off http://www.wisebread.com/10-lifestyle-changes-that-will-always-pay-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-lifestyle-changes-that-will-always-pay-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-522949013.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Change is never easy. As Garth Algar once said in <em>Wayne's World</em>, &quot;we fear change.&quot; And that's natural. The unknown can present risks. It can pose a threat. Change can also be hard, whereas maintaining the status quo is easy. But hard lifestyle changes &mdash; like the 10 that follow &mdash; will always lead to a much better life for you. And best of all, they will cost you absolutely nothing.</p> <h2>1. Decluttering and Organizing</h2> <p>Whether it's the garage, the junk drawer, the closet, the kitchen, the basement, the attic, or all of the above, it's a task most of us put off. And keep putting off. The problem with decluttering and organizing is that things always look worse before they look better. If you pull everything out of that junk drawer, you've got a real mess on your hands. It's far easier to just close it and forget about it. But whatever is a mess at home, or at work, you need to attack it with vigor. Not only will you find things you thought were lost forever, you'll also free up space and feel better. And it will stop you from buying things over and over, because you can never find them. Chapstick, anyone? (See also: <a href="http://www.wisebread.com/12-ways-a-deep-declutter-can-improve-your-life?ref=seealso" target="_blank">12 Ways a Deep Declutter Will Improve Your Live</a>)</p> <h2>2. Eating Well</h2> <p>It's hard to eat healthy, especially in this country. You can go to McDonald's right now and get two cheeseburgers, fries, and a soda for less than $5. It's filling, and it's tasty. Finding a healthy, filling, and convenient alternative for the same price &mdash; now that's a challenge. But we are what we eat, and study after study tells us that junk food and a lack of fruit and vegetables in our diet is making us all more susceptible to illness and disease. Limit fast food, eat smaller portions, and substitute unhealthy snacks for things like low-sugar granola bars, nuts, and fruits. (See also: <a href="http://www.wisebread.com/8-ways-to-save-on-dinner-no-meal-planning-required?ref=seealso" target="_blank">8 Ways to Save on Dinner &mdash; No Meal Planning Required</a>)</p> <h2>3. Drinking More Water</h2> <p>Ricky Gervais has said that he hates drinking water &quot;because it's boring.&quot; Many people feel the same way. Water is not the delight to the taste buds that coffee, soda, or a glass of chilled white wine is. But we need water. Many of us are actually dehydrated and we don't even realize it.</p> <p>So, pledge to drink a little more water each day. Make it a habit. Add ice and a slice of lemon or lime. Have it with every meal, alongside a drink you find tastier. If it's there, you'll most likely drink some of it. It can make a huge difference to your health. (See also: <a href="http://www.wisebread.com/10-tricks-to-get-you-drinking-more-water?ref=seealso" target="_blank">10 Tricks to Get You Drinking More Water</a>)</p> <h2>4. Looking on the Bright Side</h2> <p>They say stress is one of the biggest killers in the world today. Stress can have a major negative impact on your blood pressure, your heart, your body, and your mood. It can lead to depression, and substance abuse. And many times, it can be alleviated by simply refusing to look for the worst possible outcome in every situation. It can be easy to dismiss people who are constantly cheery, but they really do have the advantage. While preparing for the worst can be a good idea, dwelling on it is not going to do you any favors. Don't worry about things out of your control. Don't focus on the negatives. Find ways to be thankful for the best things that happen to you every day.</p> <h2>5. Avoiding Gossip</h2> <p>Gossip can be toxic in any environment, either at work, at home, or in a circle of friends. Gossip can ruin people's lives, and can spread small falsehoods that grow into major incidents. But, gossip is fun. When someone calls you over to the water cooler surreptitiously, and says, &quot;Hey, did you hear about John&hellip;,&quot; you naturally move in closer and get involved. It's rare that anything positive comes from a scenario like this, and you can be hurt by it, too. Just back out of these gossip sessions, and concentrate on facts and reality.</p> <h2>6. Exercising More</h2> <p>You do not need a gym membership. You do not need fancy workout clothes. You don't even need the best sneakers, although it's wise to get a pair that support your feet well. What you do need are determination and commitment. You should be getting at least 30 minutes of exercise every day, and while that is tough for most of us to achieve, it can be done. It doesn't have to be an intense workout with weights and treadmills. Walking up and down the stairs at home for 30 minutes can get your heart rate up and make you sweat. Push-ups, situps, and a jog around the block all cost nothing. Start with a few times a week, and then add a day here, and a day there. You'll be amazed at the results.</p> <h2>7. Finding Your Purpose</h2> <p>You sometimes hear people say, &quot;I really want to find myself,&quot; and it's not easy to understand what they want, or what they mean. What is your purpose in life? What do you love doing? Why are you here, and what kind of difference are you making? This is not a call to change the world, cure cancer, or overthrow a dictator. It can be small. It can mean you focus on your family and raising your amazing children. It can be creating a wonderful garden that you tend to daily. It can be painting, or playing guitar, or working with wood. It's <em>your</em> purpose. Once you find it, you can feel really fulfilled every day.</p> <h2>8. Reading More</h2> <p>There are so many distractions in everyday life: exciting, visual, interactive, and engaging distractions. In comparison, picking up a book can be hard work. It's not as much fun as watching a movie in 4K, or playing an immersive video game. However, reading is important. It stimulates your brain in ways that those other distractions cannot. Your imagination can build worlds from those words you read that blow any special effects visual out of the water. And remember, your local library has thousands of books, fiction and nonfiction, that are there for you for free.</p> <h2>9. Meditating</h2> <p>Meditation is not just for new-age hippies and yoga addicts. Meditation is something many people do, including celebrities like Katy Perry, Madonna, Hugh Jackman, Clint Eastwood, Eva Mendes, and Nicole Kidman. Our busy lives make it hard to find time to sit in silence and &quot;get into ourselves,&quot; but it can have an incredible, transformational effect on your life. In the beginning, it can be difficult to train your mind, but over time, it can really pay off.</p> <h2>10. Getting Out of Your Comfort Zone</h2> <p>Routines are very comforting to us. They are also ruts that are very easy to get stuck in, and we may not even recognize them as such. If you spend every Friday evening at home with a movie and a bottle of wine, that becomes habit. A routine. It's nice. But when people ask you to go to a comedy club, or take dance classes, or even go hiking, it's way easier to say no than yes. But &quot;yes&quot; can lead to some incredible life experiences.</p> <p>If you're too afraid to approach someone in a bar, get over it. Move out of your comfort zone of smiling and looking coy, and actually say hi. Who knows where it may lead. Sure, it's not as comfortable. But it can also be exciting, maybe even scary, and that really gets your heart pumping. Who knows&hellip; you may even have fun!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-lifestyle-changes-that-will-always-pay-off">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/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-make-exercise-more-fun">50 Ways to Make Exercise More Fun</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-easy-ways-to-have-energy-after-work">7 Easy Ways to Have Energy After Work</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-6-healthiest-grocery-stores">The 6 Healthiest Grocery Stores</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle exercise goals hard changes healthy eating healthy lifestyle life changes meditation Fri, 17 Mar 2017 10:00:24 +0000 Paul Michael 1909971 at http://www.wisebread.com 18 Ways Being Too Nice Is Hurting Your Wallet http://www.wisebread.com/18-ways-being-too-nice-is-hurting-your-wallet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-ways-being-too-nice-is-hurting-your-wallet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_piggy_bank_182381879.jpg" alt="Woman being too nice and hurting her wallet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's nice to be nice, but sometimes it comes with a price. If you have trouble saying no to everyone, from commission-earning salespeople to bosses to your own family and friends, you're probably overspending and underearning. Here are several ways your niceness is biting you in the wallet.</p> <h2>1. You Can't Turn Down the Upsell</h2> <p>You don't actually want to add the drink and fries, but you hate saying no. Afraid the Girl Scout will think you're stingy when you decline to add one more box to make it an even $20? Practice in front of the mirror: &quot;No, thank you.&quot; (See also: <a href="http://www.wisebread.com/8-sneaky-ways-youre-being-upsold?ref=seealso" target="_blank">8 Sneaky Ways You're Being Upsold</a>)</p> <h2>2. You Accept Every Project</h2> <p>Are you the person at work who ends up churning out routine tasks while others pitch their promotion-getting projects? Is it truly &quot;niceness&quot; that makes you acquiesce, or fear of stretching yourself? Next time, tell the boss or your client you are too busy, and save your time for work that benefits you more.</p> <h2>3. You Go to Every Party You're Invited To</h2> <p>Sadly, many invitations nowadays are thinly veiled shakedowns. Your ex-husband's third cousin invited you to her baby shower? Your coworker invited you to celebrate her birthday at a pricey cocktail bar and you know she's expecting her friends to pick up the check? It's okay to skip events that aren't dear to your heart, especially if they are outside your budget or clearly designed to take advantage of you.</p> <h2>4. You Pick Up the Check Too Much</h2> <p>My husband, a certified super-nice guy, would pick up the check at every single meal out with friends if I let him. It's okay to say, &quot;Let's split this.&quot; It's even okay to gently remind friends that you picked up the check last time.</p> <h2>5. You Don't Insist on Getting Paid Back</h2> <p>If you are someone who hates to remind friends or your grown children that they borrowed money from you, then don't lend to begin with. And if you are susceptible to hard luck stories explaining why debts can't be paid on time, <em>definitely </em>don't a lender be. (See also: <a href="http://www.wisebread.com/the-16-cardinal-rules-of-loaning-money-to-friends-and-family?ref=seealso" target="_blank">The 16 Cardinal Rules of Lending to Friends</a>)</p> <h2>6. You Worry Too Much About Inconveniencing Other People</h2> <p>You didn't point out to the cashier that your coupon didn't scan because you dread making the people behind you wait. You didn't tell the server that she charged you for a drink that never arrived because your dining partners wanted to get going and you didn't want to cause the restaurant staff a hassle.</p> <p>It's nice to be considerate, but if these little things are piling up, it might be time to remind yourself that everyone has the right to a complete and accurate transaction before ceding their turn in line.</p> <h2>7. You Give to Every Cause That Crosses Your Path</h2> <p>Giving to charity is a wonderful thing. But make sure you give what you can afford, and that the organizations you fund are the ones that truly matter to you. Don't give to organizations you've never heard of simply because you feel bad that the canvasser is out in the cold ringing doorbells. Remember, this is most likely their job, which they're getting paid for.</p> <h2>8. You Can't Say No to Your Kids</h2> <p>This is probably the most financially ruinous problem on this list, because it snowballs as your kids age. The parents who can't buy a present for a friend's birthday without leaving the store with a toy for their own kid, too? Those are the parents who are going to be stuck paying for their college student's spring break trip and their twenty-something's car payment. Say no early and often. It's good for them, and for your wallet.</p> <h2>9. You Give Away Too Much of Your Time for Free</h2> <p>Volunteer work is great for your community and it can be a great experience for you, as well. It can also be a bottomless pit. If you find yourself cutting back work hours or shelving business ideas because your kids' school or the local animal shelter depends on you so heavily, ask yourself if this is really worth your limited free time.</p> <h2>10. You Don't Confront Companies That Owe You</h2> <p>It might feel unpleasant to call your credit card to complain that a local business double-charged you, but it's a necessary part of being an adult. Let too many little things slide, and you may end up with big financial problems.</p> <p>I once had an airline fail to book my family's flights, forcing us to rent a vehicle and drive to our destination at the last minute. After the trip, I sent a polite but firm complaint email to the airline, cc'ing the top customer service executive. Friends were amazed when the airline agreed to reimburse me for the road trip expenses in addition to refunding our tickets. I was pleased, but not surprised, because if you are persistent and refuse to let important things go, you should eventually get a fair resolution. (See also: <a href="http://www.wisebread.com/9-times-you-should-demand-a-refund?ref=seealso" target="_blank">9 Times You Should Demand a Refund</a>)</p> <h2>11. You Say Yes to Every Potential House Guest</h2> <p>I love having guests, but if they are to eat meals with my family, and expect me to show them around town, including dining out with them, it is inevitable that the visit will cost me money. If a guest is a total mooch on their first visit, they're not getting invited back.</p> <h2>12. You Always Agree to Be a Bridesmaid</h2> <p>Of all the friend invitations, this is probably the costliest. You'll have to buy a dress, possibly travel to the wedding, and host or share the cost of the shower and bachelorette party. Group professional makeup and hair appointments are increasingly the norm as well.</p> <p>This doesn't mean that money should be the only factor when you decide whether to accept a bridesmaid query. The main factor should be, are you really close friends? Is this invite heartfelt, or were you just asked to even up the number of men and women in the wedding party?</p> <h2>13. Your Arms Are Always Open to Another Pet</h2> <p>One dog is wonderful. Two can be fun. But if you can't go to the shelter without coming home with another pooch, and feeding your menagerie is getting expensive, I have a tip for you: <em>Don't go to the shelter. </em>If you make yourself go broke by taking in too many, all of you will suffer.</p> <h2>14. You Let Yourself Get Overcharged</h2> <p>You hate negotiating with tradespeople and car sales floor staff? Guess what? So does everyone. But in certain transactions, if you don't negotiate, you may get stiffed. You can minimize price gouging and confrontation if you research well in advance, get multiple quotes, and if needed, conduct negotiations by email or phone.</p> <h2>15. You Stay Loyal Even When You Can't Afford Your Service Provider</h2> <p>So the same person has been cutting your hair for 15 years, but now she has a chair in a famous salon and has tripled her price? It's okay to ask for a loyalty discount, even if you feel like old friends. And if she declines and you have to find a new hairdresser, remember that her decision led to the change as much as yours did. It was a business relationship all along, remember, not a friendship.</p> <h2>16. You Buy Stuff You Never Wanted to Help Friends With Businesses</h2> <p>You go to every nail wrap, makeup, and tote bag party your entrepreneurial friend throws, and buy merchandise that ends up piled in your basement. Well, there are more effective ways to help out a struggling friend.</p> <h2>17. You're a Pushover With Employees or Tenants</h2> <p>When my husband and I rented out our home, our first tenants asked us to repair an ancient fan system, even though we had a brand-new central air system. We said yes without hesitating, wanting to be nice landlords, but the repair put us into the red for many months. As we became more experienced landlords, we learned to distinguish between urgent repair calls (broken refrigerator) and &quot;nice to have&quot; requests that we could decline.</p> <p>With employees, whether it's a cleaning person or middle manager at your business, if you say yes to every request for extra time off or raises, or turn a blind eye to boxes of office supplies disappearing every day, you're going to be in over your head before you know it.</p> <h2>18. You Always Go Along With Friends' Plans Even If it Means Wasting Money</h2> <p>I have lots of friends who are not nearly as frugal as I am. If they are making the plans, we'll be parking our cars in the expensive garage, buying the brand of vodka that's not on sale, and basically spending twice as much for everything than I would have spent on my own. (See also: <a href="http://www.wisebread.com/how-to-keep-peer-pressure-from-destroying-your-finances?ref=seealso" target="_blank">How to Keep Peer Pressure From Destroying Your Finances</a>)</p> <p>The nice me wants to stay quiet and just let it be. But the frugal me is not afraid to push that namby pamby wimp aside and say, &quot;Hey. May I suggest parking on the street two blocks away instead of in that garage?&quot; My friends will tell you that I'm a pain about stuff like this, but they still hang out with me, so I must be just nice enough. Or maybe they like how much money I save them.</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/18-ways-being-too-nice-is-hurting-your-wallet">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</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/when-self-care-actually-harms-your-budget">When Self-Care Actually Harms Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-one-nice-thing-can-ruin-your-whole-budget">How One Nice Thing Can Ruin Your Whole Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle budgeting mistakes hurting your wallet pushover saving money Spending Money too nice Tue, 14 Mar 2017 10:00:16 +0000 Carrie Kirby 1908924 at http://www.wisebread.com 10 Ways to Make the Most of Daylight Savings http://www.wisebread.com/10-ways-to-make-the-most-of-daylight-savings <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-make-the-most-of-daylight-savings" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-504373018.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="139" /></a> </div> </div> </div> <p>We spring ahead on Sunday, March 12. You're probably looking forward to a little more light in your day. DST started back in World War I as a way to decrease energy usage. The idea was that people would burn fewer candles at night and not sleep through dawn.</p> <p>&nbsp;</p> <p>More daylight hours can do some good for all of us. For example, car crashes tend to decrease in the months we're in DST. The extra sunlight helps in that area. In fact, if we switched to living this way all year, there could possibly be 366 fewer auto crash deaths per year, according to a 2004 study published in <em>Accident Analysis &amp; Prevention</em>.</p> <p>Regardless of the stats and science, I think many of us look forward to more light in the evening hours. Here are some ways you can prepare for and even thrive with the time change.</p> <h2>1. Head to Bed Early Now</h2> <p>Most of the downsides to DST have to do with lack of sleep and its impact on the body. Fortunately, your body's internal clock will adjust after only a few days. Why not plan ahead &mdash; especially you night owls! Start a few days in advance and set your bedtime back 15 to 20 minutes each night. That way, by the time you make the switch, you're already adjusted to it.</p> <h2>2. Spend Time Outdoors</h2> <p>Shifting the clock forward is a lot like experiencing jet lag. You can have symptoms ranging from insomnia to irritability to poor concentration. Sunlight has the power to help reset your system. So you may want to go outside in the morning on Sunday to help reset your body's circadian rhythm.</p> <h2>3. Exercise and Keep at It</h2> <p>Want to protect your heart? Use the added light after work to start a new exercise program. Current recommendations for adults say to get 150 minutes of moderate activity or 75 minutes of vigorous activity in per week. You can split this up to 30 minutes or 15 minutes per day, just five days of the week. Try taking the dog for a walk around your neighborhood after dinner or heading out on a run with a friend.</p> <h2>4. Take a Hike</h2> <p>Exercise can be about more than just burning calories and getting fit. If stress has been taking you hostage this winter, being out in nature has tremendous power to change your mood. According to a 2015 study published in <em>PNAS</em>, hiking may reduce what is called &quot;ruminative thought&quot; or the kind of thinking where you rehash negative things you've recently experienced, improving your mental health. With more hours of sunlight in your schedule, those trails aren't off-limits as much as they are during the darker months.</p> <h2>5. Save Energy</h2> <p>Why not try to save some energy now that there's more daylight? After all, that was the original plan! Make a habit of switching your lights off in the afternoon hours and keeping them off as long as possible. Tear open your curtains, open your windows, or even head outdoors to read that novel you just started.</p> <h2>6. Boost Your Vitamin D</h2> <p>Soaking in more sun isn't just good for the soul, it can boost your vitamin D levels. Many of us are chronically low in vitamin D. My own levels were almost zero at my latest physical. Vitamin D is responsible for the body's ability to fight off disease, resist depression, shed pounds, and more. Taking supplements can help, but getting more sun in your day is best &mdash; and it's free.</p> <h2>7. Check Off Chores</h2> <p>You may have been waiting to do some maintenance on your outdoor spaces. In the light of day, you can revisit those lists and make some plans for getting stuff done. Spring is a great time to secure roof shingles, scrub moldy house siding, clean clogged gutters, and lots more. (See also:<a href="http://www.wisebread.com/8-easy-home-maintenance-to-dos-for-spring?ref=seealso" target="_blank"> 8 Easy House Maintenance To-Dos for Spring</a>)</p> <h2>8. Get Your Garden Growing</h2> <p>It isn't too early to plan for your harvest this year. Planting season is coming, and you can use the early weeks to step outside and prep your plot. Or you can head into the garage and take stock of your tools, and get a compost operation started. There are even some plants that will grow in colder weather. Try veggies like beets, broccoli, corn, kale, onions, radishes, or turnips.</p> <h2>9. Spend Time With Others</h2> <p>The darkness of winter made the days feel impossibly short. You may have felt like a hermit. Now that the days feel longer, resist the urge to isolate yourself. People of all ages gain huge benefits from socializing. Anything from having a renewed sense of purpose and belonging, to improved self-confidence and self-esteem. Join a club, check out the local calendar, volunteer, or do whatever else will bring you around people.</p> <h2>10. Say &quot;No&quot; to Screen Time</h2> <p>We also don't have to light our world with artificial lights and screens as much now that spring has sprung. Embrace this excuse to put down the technology and reconnect with your roots. Put your phone down, close your laptop, and just go outside with your friends and family. There's a lot to do in this world of ours, and with some extra sun, we can enjoy it all the better.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-ways-to-make-the-most-of-daylight-savings">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-restart-your-resolutions-this-spring">5 Ways to Restart Your Resolutions This Spring</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-best-things-in-life-are-more-or-less-free">The best things in life are (more or less) free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-simple-rules-of-excellent-houseguest-etiquette">11 Simple Rules of Excellent Houseguest Etiquette</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> Lifestyle daylight savings daylight savings time spring spring ahead spring time time change turn the clocks ahead Thu, 09 Mar 2017 10:00:17 +0000 Ashley Marcin 1905175 at http://www.wisebread.com