Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US How to Add an Extra Hour to Your Day http://www.wisebread.com/how-to-add-an-extra-hour-to-your-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-add-an-extra-hour-to-your-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-512127803.jpg" alt="how to add an extra hour to your day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all get the same 24 hours in a day, and yet it feels like some uber-productive people are working with extra hours that you don't have access to. These time management superstars somehow work full-time, but still exercise every day, take their kids to soccer practice, and have a year-round garden that's the envy of the neighborhood. What's their secret?</p> <p>It turns out you can buy yourself more time each day if you simply treat time management the same way you treat money management. Specifically, the following healthy <em>money </em>habits can help you build some time slack so that you can finally tackle the items that always fall to the bottom of your to-do list.</p> <h2>1. Track your time spent</h2> <p>Tracking where your money goes is an integral part of budgeting, since you can't trim excess spending if you don't know about it. Tracking your time-usage can be just as important for cutting unnecessary time wasters. Knowing exactly where your hours are going can help you to reclaim some time for more important tasks than endlessly refreshing Twitter.</p> <p>There are multiple ways to track how you spend your time, from the simple paper-and-pencil logging of your time, to apps like <a href="https://toggl.com/" target="_blank">Toggl</a> and <a href="https://www.rescuetime.com/" target="_blank">RescueTime</a> that will do the tracking for you. Using any of these options to see how you spend your time can help you to figure out where to reclaim it. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h2>2. Limit unnecessary spending</h2> <p>I have an app that limits my access to social media during the day because I know that I'm not capable of voluntarily limiting it on my own. Facebook and Twitter tend to suck up my time in the same way that bookstores used to suck up my money, so I need make sure I limit my exposure.</p> <p>Of course, the internet is not the only time suck you might be fighting. While there are plenty of apps and plugins available to keep you from frittering hours away on social media &mdash; <a href="http://www.stayfocusd.com/" target="_blank">StayFocused</a> is a good one &mdash; don't overlook the humble timer as a tool to limit unnecessary time spending. You can watch your favorite shows or read a novel over a cup of coffee, just set a timer that will force you to move on to the next task to keep your day from being consumed.</p> <p>These kinds of time leaks are often the culprit when you feel like there are simply not enough hours in the day. Once you start limiting your unnecessary time spending, you will often find you have much more time than you realized.</p> <h2>3. Invest in your future</h2> <p>You don't expect to have healthy finances without saving and investing your money, and healthy time management requires the same kinds of investments. What does such time investment look like? It's a matter of creating morning and evening rituals, and taking the time to go over your calendar and to-do list on a daily basis. (See also: <a href="http://www.wisebread.com/15-essential-life-hacks-that-will-save-you-time-in-the-morning?ref=seealso" target="_blank">15 Essential Life Hacks That Will Save You Time in the Morning</a>)</p> <h3>Create daily rituals</h3> <p>Your morning and evening rituals help you to consistently transition from one task to the next. Having a morning ritual means you can give your work tasks your full attention once you have made the transition into work time. On the other end of the day, make sure you create space between work and sleep. How many times have you found yourself answering a work email at 11 p.m. when you were supposed to be in bed already? Having an evening ritual that includes shutting off screens will help you to sleep better and keep work from intruding on your time. (See also: <a href="http://www.wisebread.com/change-your-life-by-changing-your-bedtime-routine?ref=seealso" target="_blank">Change Your Life by Changing Your Bedtime Routine</a>)</p> <p>Similarly, taking 15-20 minutes to review your calendar and to-do lists for the following day will help keep plans, meetings, or deadlines from slipping your mind, and allow you to be more efficient when you get to work.</p> <p>The eternally time-crunched folks may often feel like they have far too much to do to invest in rituals and 20 minutes of to-do list checking each night. However, just as you can't afford not to put money in an emergency fund, you can't afford not to plan your time. These investments will save you by preventing panic and forgotten tasks when last-minute emergencies arise.</p> <h2>4. Prioritize</h2> <p>An important part of gaining control of your finances is prioritizing specific financial goals and following through on them. You know that you only have a finite amount of money, so you recognize your need to focus on one financial goal at a time. Healthy time management requires the same kind of prioritizing, even though it can be harder to recognize that your time is finite.</p> <p>This is why it's important to identify the most important tasks you need to accomplish each day. Generally, there should be no more than <em>three </em>such most important tasks on your to-do list. Tackling these priority tasks will help you to move your big projects forward and eliminate the fatigue you feel after a day of frantic business that didn't seem to accomplish anything. The feeling of making progress can help you to jump back into work the next day, which can help eliminate time-wasting and procrastinating.</p> <h2>5. Plan for fun</h2> <p>Just as being able to treat yourself to a little indulgence while you are trying to save money can keep you motivated to stay on the straight and narrow, having little breaks in your schedule can help you stay on task while you are working. Breaks give your mind a chance to refresh and refocus, and they are an important part of a productive daily routine.</p> <p>This is also true of planning bigger fun activities. If you know that you'll be doing a pub-crawl with your friends on the weekend, you'll be less tempted to contact them via text or Facebook during the week. You can focus your attention on the work at hand, knowing that you have something great to look forward to. (See also: <a href="http://www.wisebread.com/7-reasons-you-shouldnt-vacation-shame-your-coworkers?ref=seealso" target="_blank">7 Reasons You Shouldn't &quot;Vacation Shame&quot; Your Coworkers</a>)</p> <h2>Spend time mindfully</h2> <p>Mindful spending, whether the currency is money or time, is the secret to feeling like you have enough. Using the habits of good financial health can help you to become a mindful time spender &mdash; which will help to add extra hours to your day.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/how-to-add-an-extra-hour-to-your-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-stealth-wealth-is-the-best-wealth">5 Reasons Stealth Wealth Is the Best Wealth</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/can-i-conquer-my-vanity-for-the-sake-of-my-sanity">Can I Conquer My Vanity for the Sake of My Sanity?</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/heres-how-generosity-actually-improves-your-life">Here&#039;s How Generosity Actually Improves Your Life</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle extra time free time lifestyle tips saving money time management tips work life balance Thu, 17 Aug 2017 08:00:06 +0000 Emily Guy Birken 2004469 at http://www.wisebread.com 5 Easy Ways to Declutter Your Digital Life http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easy-ways-to-declutter-your-digital-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_woman_using_digital_tablet_at_cafe.jpg" alt="Beautiful woman using digital tablet at cafe" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all love our digital tools and apps, but without conscious oversight, those sacred internet spaces can quickly become cluttered. All that digital mess can outweigh the advantages of speedy communication. You can go off the grid altogether (but we know that's not really going to happen), or you can use these tips to keep your digital life under control.</p> <h2>1. Keep your email organized</h2> <p>Getting your email to the elusive Inbox Zero isn't necessarily the most productive use of your time. In fact, there's some controversy over whether you should waste time sorting and managing email, or if you should just read it and let it languish in your ever-expanding inbox.</p> <p>Here's what I know: When I open my inbox and see hundreds of emails in there, my brain thinks of each one as a task I need to complete. Maybe you aren't as sensitive to email stimulus. However, if a cluttered inbox makes you grumpy, getting to Inbox Zero can bring clarity and calm and make your email use more efficient.</p> <h3>Delete, delete, delete!</h3> <p>Take some time and go through those remaining emails in your inbox. Delete or archive the ones you no longer need. Then unsubscribe from the email lists and newsletters you know you no longer want.</p> <h3>Use helpful tools</h3> <p>You can use a service like <a href="https://unroll.me/" target="_blank">Unroll.me</a> to get your email subscriptions under control and unsubscribe to mass emails in bulk. However, be aware that Unroll.me <a href="http://lifehacker.com/unroll-me-the-email-unsubscription-service-has-been-c-1794593445" target="_blank">collects and sells anonymized user data</a>. Most third-party email services are collecting data of some kind (though not all are selling it). If you use one, do so with caution. (See also: <a href="http://www.wisebread.com/5-kinds-of-emails-to-purge-from-your-inbox?ref=seealso" target="_blank">5 Kinds of Emails to Purge From Your Inbox</a>)</p> <h3>Use filters and folders</h3> <p>Once you have your inbox cleared and you're happily unsubscribing with a single click from mailing lists you no longer care about, you need to protect all that work. The emails will keep coming, after all.</p> <p>You can use filters, folders, and labels to organize your emails. Depending on which email service you use, of course, the options for organization will be slightly different. However, in most cases, you can use filters to sort your email via customized settings, such as a keyword in the subject or a specific sender.</p> <p>Create folders or use labels to organize emails by specific topic or context. For example, you could set up a filter to apply a &quot;Financial&quot; label to all emails from your bank or credit card issuer, and to any emails containing keywords such as &quot;Payment processing.&quot; Now all your financially related emails are sorted into one place, automatically. Or use a service like <a href="https://getorganizer.com/" target="_blank">Organizer</a> to do all that sorting and categorizing work for you.</p> <h2>2. Safeguard your passwords</h2> <p>Passwords. Ugh. So, you want to be secure and you don't want to get hacked, but you also can't remember a different password for every account you have, and you're not good at coming up with strong passwords. And writing down each username and password you create on a paper scrap which immediately disappears to wherever socks go is equally terrible.</p> <p>Use a password manager. You will thank me a million times over the next month as you click that handy button and let your secure password manager do the work. You don't have to be vulnerable and you also don't have to remember it all yourself.</p> <h3>Set up a password manager</h3> <p>My password manager of choice is <a href="https://www.lastpass.com/" target="_blank">LastPass</a>. It's easy to use, fully functional, and it's free. You can pay for a premium version which will sync across all devices. I did after several years of using the free version. It's worth every penny.</p> <p>The most difficult part of a password manager is the initial setup. You'll need to install your password manager, and then login to each account to save the information (and to update it with a secure password, as needed).</p> <p>If LastPass isn't for you, try <a href="https://1password.com/" target="_blank">1Password</a> or <a href="https://www.roboform.com/" target="_blank">RoboForm</a>.</p> <h2>3. Reduce your online accounts</h2> <p>How many online services have you signed up for, only to forget about them weeks later? The number is probably about as high as the email subscriptions you're finding in your now-clean inbox.</p> <p>Leaving outdated, unused accounts open is kind of annoying, and it can also be a security hazard. Especially if you used that old, easily hacked &quot;1234goteam&quot; password on an account you've forgotten; even more so if that account is linked to other online accounts.</p> <h3>Locate and eliminate</h3> <p>Who can remember all those old accounts? Not me. Probably not you. A service called <a href="https://www.deseat.me/" target="_blank">Deseat.me</a> can help &mdash; it's free and easy to use. Choose to login with Google or Outlook, then gaze in shock at the long list of accounts you have. (I had <em>189</em>!)</p> <h2>4. Clean up your social media presence</h2> <p>Whether you use social media to send invites to your kid's birthday party or to creep on your high school crush, you don't need clutter getting in the way.</p> <p>If you've gone through the process of finding and canceling outdated accounts, then you've already eliminated Myspace and Xanga. Now it's time to clean up the social media accounts you do use. (See also: <a href="http://www.wisebread.com/7-easy-ways-to-clean-up-your-image-on-social-media?ref=seealso" target="_blank">7 Easy Ways to Clean Up Your Image on Social Media</a>)</p> <h3>Unfollow people on Facebook</h3> <p>Declutter your Facebook newsfeed by consciously controlling who you follow. You can do this individually by clicking on the top right corner of a post in your newsfeed, and select &quot;Unfollow.&quot; You can do this with people or group pages. To bulk unfollow, go to News Feed Preferences and click on the &quot;Unfollow people to hide their posts&quot; option. You'll see a list of all the people you currently follow; click on the ones you don't want to follow anymore.</p> <h3>Declutter Twitter and Snapchat</h3> <p>Twitter provides plenty of options for muting, unfollowing, and <a href="https://sproutsocial.com/insights/twitter-lists/" target="_blank">sorting Twitter users into lists</a> so you can declutter your timeline without missing out.</p> <p>You can also organize your Snapchat friends list so you see the most important people first.</p> <h2>5. Clean up your computer files</h2> <p>During your digital decluttering mission, let's not neglect the offline detritus. Your computer's file system probably needs a good cleaning. Start with your Downloads folder. Is it still holding every image, .pdf, and document you've downloaded in the last three and a half years? Is your Documents folder a mile-long list of every text-based file you've ever created?</p> <p>Let's fix this.</p> <h3>Set up a system</h3> <p>Before you can sort your files, you need to set up categories. It's going to be different for everyone, but it's a good idea to start by thinking of the main type of files you have, and how you can sort them into more manageable collections. For example, if you have hundreds of photos, you could create chronological folders and sort photos by year or by event. If you keep lots of documents, sort them by use: financial, work, writing, research, etc. The key is to create categories that are large enough to be high-level but small enough to be manageable.</p> <h3>Clean up your files</h3> <p>Before you start moving your files into your snazzy new folders, remove duplicate files.</p> <p>To keep your filing system in pristine shape, get in the habit of moving files where they belong as soon as you download and save them. If that seems like too much work, make a weekly habit of updating and organizing all newly acquired files.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data">3 Sneaky Ways Identity Thieves Can Access Your Data</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/sit-in-on-a-class-at-mit-for-free">Sit in on a Class at MIT for 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/9-surprising-perks-and-some-drawbacks-of-paperless-billing">9 Surprising Perks (and Some Drawbacks) of Paperless Billing</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-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/life-without-tv">Life Without Television</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Technology declutter digital email get organized inbox Internet internet presence online password manager task manager Wed, 16 Aug 2017 08:00:07 +0000 Annie Mueller 2003614 at http://www.wisebread.com 7 Ways to Stay Calm in Stressful Moments http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-stay-calm-in-stressful-moments" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_work_meditating_468693435.jpg" alt="Woman staying calm in stressful moments" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No matter how much we simplify our lives, try to be organized, or carefully plan our weeks, stress happens. And in a hyper-connected world, stress can find us wherever we are. With a reach like that, we could all use a few new strategies for maintaining a level head when the world feels upside down. Here are seven ways to stay calm when you're stressed.</p> <h2>1. Prepare yourself mentally</h2> <p>If you can anticipate stress, you can prepare for it and (with a little practice) control your response to it. Approach the situation with a positive attitude, consider what solutions will be available, make a plan, and determine how you'll reward yourself once the challenge is over. With a strategy in place, you'll be much more likely to stay cool when the heat is on.</p> <h2>2. Breathe</h2> <p>Proper breathing feeds oxygen to your brain and helps restore imbalances in the autonomic nervous system &mdash; two advantages if you're trying to keep calm under pressure. Take a few moments to practice mindful breathing. Inhale deeply, expanding the chest and engaging the diaphragm muscles. Exhale slowly and fully. Repeat. Relax. (See also: <a href="http://www.wisebread.com/you-might-be-breathing-wrong-heres-what-you-should-do-instead?ref=seealso" target="_blank">You Might Be Breathing Wrong</a>)</p> <h2>3. Think of the big picture</h2> <p>Without proper perspective, stress can seem all-consuming. When you feel the pressure mounting, remind yourself that this is just a challenging moment in time; it's not the rest of your life. Identify the natural end point of every stressful period &mdash; the end of workweek, once final exams are over, or as soon as the latest project is complete &mdash; then work toward that point with renewed clarity and energy.</p> <h2>4. Identify what you can and can't control</h2> <p>Every stressful situation is different. Focus your energy by understanding what's within your control <em>right now</em> and working through solutions. Surrender everything that's beyond your control to the talents of others and that ultimate de-stressor: <em>time</em>.</p> <h2>5. Focus on what's urgent</h2> <p>With a clearer idea of what you can control, prioritize tasks as you go. Ask yourself, &quot;What issue is most urgent? What could have the largest impact on my job, my business, or my family?&quot; Sure, the printer may be jammed, there are deliveries to sign for, and your best salesperson just handed in her resignation letter. But if your largest client is fuming on the other end of the phone, that's the emergency. Focus only on what's primary and leave the rest for later.</p> <h2>6. Delegate</h2> <p>Often, stress is simply the result of too much to do in too short a time. In these instances, find someone you can delegate low-level tasks to (a team member at work, and a friend or family member at home). Trust that person to get the job done without your constant supervision and input. (See also: <a href="http://www.wisebread.com/how-to-delegate-at-work-and-at-home-in-4-easy-steps?ref=seealso" target="_blank">How to Delegate at Work and at Home in 4 Easy Steps</a>)</p> <h2>7. Unplug</h2> <p>If you're feeling overwhelmed, phone calls, emails, text messages, and a steady stream of world news will only add to the chaos. Give yourself permission to unplug for awhile and give your brain a rest. If stress is a regular part of your life, reserve some off-grid time every evening or on weekends. Defend your downtime (and avoid worrying friends and family) by letting everyone know you won't be available. (See also: <a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=seealso" target="_blank">13 Cheap Ways to Beat Stress</a>)</p> <h2 style="text-align: center;">Like This Article? Pin it!</p> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-to-stay-calm-in-stressful-moments&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520to%2520Stay%2520Calm%2520in%2520Stressful%2520Moments.jpg&amp;description=7%20Ways%20to%20Stay%20Calm%20in%20Stressful%20Moments"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Ways%20to%20Stay%20Calm%20in%20Stressful%20Moments.jpg" alt="7 Ways to Stay Calm in Stressful Moments" width="250" height="374" /></p> </h2> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-simple-acts-of-self-care-for-the-sandwich-generation">9 Simple Acts of Self-Care for the Sandwich Generation</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-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master">6 Ways Meditation Can Make You a Money Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle breathing exercises calm deep breath meditation mental health self care stay calm stress Mon, 07 Aug 2017 09:01:05 +0000 Kentin Waits 1996874 at http://www.wisebread.com Here's How Generosity Actually Improves Your Life http://www.wisebread.com/heres-how-generosity-actually-improves-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-generosity-actually-improves-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-482063553.jpg" alt="Learning how generosity improves your life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Generosity will not only improve your moral standing, but also your long-term finances. Giving doesn't have to cost money, either; donating your time and skills produces the same effect as giving money or material items. Here's how it could work for you. (See also: <a href="http://www.wisebread.com/make-the-world-better-with-these-17-free-ways-to-give-back?ref=seealso" target="_blank">Make the World Better With These 17 Free Ways to Give Back</a>)</p> <h2>You'll make better money decisions</h2> <p>Money can be a big source of stress. Maybe you and your partner disagree about the budget. Perhaps you're struggling to reduce debt, dealing with a loss of income, or recovering from a financial crisis. Or perhaps you're trying to determine how to be smart with your savings, become a better investor, and create a better financial future. In any of these situations, you need the ability to calmly and rationally assess your options and make decisions for your future.</p> <p>Stress has a huge, negative impact on your ability to make good decisions. In fact, stress prompts us to act quickly and instinctively, and reroutes the energy needed by the brain for wise decision-making, according to Stanford health psychologist Kelly McGonigal, PhD. &quot;Stress also encourages you to focus on immediate, short-term goals and outcomes,&quot; says McGonigal, &quot;but self-control requires keeping the big picture in mind.&quot;</p> <p>An excellent way to combat stress is to give to others. Whether it's your time, your money, or your unwanted items, giving to those less fortunate will give you a sense of purpose, it will make you feel better about yourself and the world you live in, and can reduce your anxiety. That combination equips you to better handle stress when it does occur, keeping it in perspective. And you'll be able to more calmly and rationally make financial decisions for yourself and your future.</p> <h2>You'll benefit from a stronger support network</h2> <p>Hard times happen, but consistent generosity &mdash; whether through volunteering, acts of kindness, or monetary giving &mdash; can lead to an extended network and stronger relationships. Meeting people at volunteering events can create lasting friendships. Helping out a neighbor when they need it most will solidify a true bond. And when you need those people to be there for you in return, they most likely will be.</p> <p>I've experienced the financial perks of having a strong support network many times in my life. For example, during my mother's fight against breast cancer, my friends and family brought food, baby-sat (both my sister and I had young children), ran errands, made phone calls, organized important information, and, when needed, assisted in bedside care for my mom. If I didn't have a loving support system willing to do those things, I would've had to, either do it all myself &mdash; which would've increased my stress to an unbearable degree, or I would've had to pay someone to help out &mdash; which would've sucked my bank account dry.</p> <p>A community of friends bringing you meals when you're unable to shop and cook saves you the cost of takeout. When your network pitches in to watch your kids, help you with a big project, or loan you a needed resource, you save the money you'd have otherwise spent to get those things done.</p> <h2>Your work opportunities will improve</h2> <p>LinkedIn is built on the idea that social capital leads to better work and increased work opportunities. We call it networking, mostly. And giving, it turns out, is one of the best ways to network. Even low-key acts of generosity improve work relationships, according to a study from the University of California published in the journal <em>Emotion</em>. Giving mutual support, practicing gratitude, and showing hospitality all contribute to stronger work connections and increased social capital. And with a strong professional network, more job opportunities (and all the financial perks that go along with them) will be aplenty. (See also: <a href="http://www.wisebread.com/the-10-best-networking-tips-for-people-under-40?ref=seealso" target="_blank">The 10 Best Networking Tips for People Under 40</a>)</p> <p>It's all about who you know, right?</p> <h2 style="text-align: center;">Like This Article? Pin it!</p> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fheres-how-generosity-actually-improves-your-life&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHere%2527s%2520How%2520Generosity%2520Actually%2520Improves%2520Your%2520LIfe.jpg&amp;description=Here's%20How%20Generosity%20Actually%20Improves%20Your%20Life"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Here%27s%20How%20Generosity%20Actually%20Improves%20Your%20LIfe.jpg" alt="Here's How Generosity Actually Improves Your Life" width="250" height="374" /></p> </h2> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/heres-how-generosity-actually-improves-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</a></span> </div> </li> <li class="views-row views-row-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/11-ways-cycling-can-save-you-money">11 Ways Cycling Can Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ten-great-charities-that-deserve-your-dollars-this-year">Ten Great Charities that Deserve Your Dollars This Year</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-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> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle charity generosity generous giving Giving Back helping hands pay it forward saving money Mon, 07 Aug 2017 08:31:05 +0000 Annie Mueller 1996572 at http://www.wisebread.com How to Leave a Positive Impression on Everyone You Meet http://www.wisebread.com/how-to-leave-a-positive-impression-on-everyone-you-meet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-leave-a-positive-impression-on-everyone-you-meet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-599254644.jpg" alt="Woman making positive impression on everyone she meets" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>With the hustle and bustle of life, making a lasting and positive first impression goes a long way. You never know what may come of meeting someone. It can lead to a job, a friendship, or even a romantic relationship. That's why you should always be mindful as to how you're presenting yourself to others and the world. Here's how to show off your best self.</p> <h2>Make eye contact</h2> <p>It feels good to be seen. Let everyone you meet know that you're paying attention and that you're interested in what they have to say. Physically acknowledge them through eye contact. Most people don't know how to make solid eye contact, and it's an incredible habit that will make you memorable to others. (See also: <a href="http://www.wisebread.com/13-ways-to-make-a-good-first-impression-at-your-next-job-interview?ref=seealso" target="_blank">13 Ways to Make a Good First Impression at Your Next Job Interview</a>)</p> <h2>Listen</h2> <p>Put your phone away and really listen to people when they speak to you. Be there 100 percent. And don't just wait for your turn to talk. Take in what someone else is saying, let it sink in, and respond. Listening is an underrated skill. It's such an effortless way to make someone else feel valued. I've often found that being a good listener has helped me learn and grow in ways I never imagined. And yes, people remember me because I so vividly remember our conversations.</p> <h2>Ask concise, insightful questions</h2> <p>I'm known for my curiosity and questioning nature. I find people fascinating, and I like to learn as much about them as I can. My ability to quickly assimilate information and make conversation that's far beyond cocktail party smalltalk has dramatically improved my life and career. I've made lifelong friends through chance meetings based on creating meaningful conversations with people I have just met, and you can, too.</p> <p>Don't ask the questions everyone asks. Don't be invasive, but make your questions interesting. And show you're paying attention to their answers by asking follow-up questions. (See also: <a href="http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date?ref=seealso" target="_blank">6 Terrible Money Moves to Avoid on the First Date</a>)</p> <h2>Be open</h2> <p>The more open you are about your life and experiences, the more comfort you will engender in others. That comfort leads to the kind of openness and honesty that our society needs now more than ever. By putting out positive energy and being open, goodness comes back to us many times over. Vow to make meeting you the best part of someone's day.</p> <h2>Be sure to follow up</h2> <p>Did you have a great conversation with someone? Did you meet someone interesting and you want to learn more about them? Did you promise to follow up with someone or did they ask you to follow up with them?</p> <p>If you answered yes to any of these questions, make sure to follow through. Send that email. Connect on social media. Make the phone call. If you promise to do something and do it, you show your integrity and genuine interest. People won't forget that.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-leave-a-positive-impression-on-everyone-you-meet&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Leave%2520a%2520Positive%2520Impression%2520on%2520Everyone%2520You%2520Meet.jpg&amp;description=How%20to%20Leave%20a%20Positive%20Impression%20on%20Everyone%20You%20Meet"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Leave%20a%20Positive%20Impression%20on%20Everyone%20You%20Meet.jpg" alt="How to Leave a Positive Impression on Everyone You Meet" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/how-to-leave-a-positive-impression-on-everyone-you-meet">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</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/your-guide-to-getting-a-job-right-out-of-college">Your Guide to Getting a Job Right Out of College</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-job-hunt-tips-you-should-ignore">8 Common Job-Hunt Tips You Should Ignore</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-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Lifestyle career first impressions job hunting Tue, 01 Aug 2017 09:00:04 +0000 Christa Avampato 1994510 at http://www.wisebread.com 8 Affordable Destinations for People Who Love to Fish http://www.wisebread.com/8-affordable-destinations-for-people-who-love-to-fish <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-affordable-destinations-for-people-who-love-to-fish" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-539645842.jpg" alt="Man finding affordable destinations for fishing" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>On the lookout for new places to cast your rod to reel in the &quot;Big One?&quot; Look no further. Any of these hotbeds of underwater action will turn your fishing hobby into a memorable getaway, without costing an arm and a leg. (See also: <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=seealso" target="_blank">Beat Stress With These 28 Inexpensive Pastimes</a></p> <h2>1. White River, Arkansas</h2> <p>With 9,700 miles of fishable streams and rivers and 600,000 acres of lakes, bayous, and creeks, Arkansas offers plenty of opportunities to catch a variety of freshwater fish year-round, including trout, bass, catfish, bluegill, walleye, crappie, and more. One of the more popular spots, White River, is stocked with thousands of rainbow trout by the Fish and Game Commission each year, helping anglers catch the largest haul of the species of all trout streams in the country. First-timers will especially appreciate those odds.</p> <p>Need another perk? Getting around Arkansas should be easy on your wallet. According to AAA, the state boasts some of the lowest average gas prices in the country. More money for tackle and bait!</p> <p>Step right outside your cabin and start fishing bright and early at <a href="http://fultonslodge.com/lodging/page/8/one-bedroom-units" target="_blank">Fulton's Lodge</a> along the White River. One bedroom units (double occupancy with two twin beds) include TV, Wi-Fi, a picnic table, BBQ grill, a small fridge with freezer, stove, cookware, and other amenities for just $96 per night.</p> <h2>2. Landgraff, West Virginia</h2> <p>Considered by some folks as &quot;the best wild trout stream in the USA,&quot; the Elkhorn Creek in Landgraff is known for its abundance of large brown and rainbow trout. Catch-and-release fishing is encouraged, since, according to the nearby Elkhorn Inn and Theater, many of its guests catch 30 to 60 fish a day. All you need to fish the creek is a West Virginia fishing license, which you can obtain online at the West Virginia Department of Natural Resources website or any Walmart in the state.</p> <p>Military service members may find Landgraff particularly appealing, as the <a href="http://www.elkhorninnwv.com/" target="_blank">Elkhorn Inn and Theater</a> offers a year-round 10 percent discount on guest room rates to active duty and retired military personnel and their families. It also participates in the &quot;B&amp;B For Vets&quot; program on Veterans Day, allowing vets to stay free with a valid military ID.</p> <h2>3. Lake Placid, New York</h2> <p>If you're from the Northeast, head out to the Adirondacks &mdash; particularly the Lake Placid region &mdash; where you can choose from eight lakes and ponds, and 10 rivers and brooks to reel in more than 15 species of fish. If you're a fly fisherman, head straight for the East Branch of Ausable River in the town of Keene, where the best hatches begin in May. Other destinations in the area include Franklin Falls Flow and Union Falls for walleye. For pike, you'll want to set up camp in the scenic Saranac Chain of Lakes.</p> <p>If you're traveling the open roads in an RV, park it at the <a href="http://koa.com/campgrounds/lake-placid/" target="_blank">Lake Placid/Whiteface Mountain KOA</a>, which offers 50-amp spaces for up to eight people for a little over $50 a day. This includes full hookups, a gravel site pad, and cable with limited channels. Pets are allowed if you want to bring your fur-buddy along.</p> <h2>4. Yellowstone Country, Wyoming</h2> <p>Named after the legendary showman of the American Frontier, Buffalo Bill's Cody/Yellowstone Country in Wyoming provides ample opportunity for anglers near and far to fish private waters, or try their hand at fly fishing. Five scenic byways, plus airports make the area accessible, despite its remote location. The town of Cody has everything you'll need to make the most of your trip, including fishing outfitters for gear (fishing pro Tim Wade owns North Fork Anglers in town), as well as guest and dude ranches to lay your head at night.</p> <p>If you prefer a guided experience, the nonprofit organization<a href="https://shop.yellowstone.org/" target="_blank"> Yellowstone Forever</a> offers a variety of angling-focused, multiday field seminars, such as Women's Fly-Fishing for Beginners, and a Backpacking and Fly Fishing the Upper Snake River trip.</p> <p>And if you're looking to save some serious cash while in Yellowstone National Park, why not pitch a tent and live off the land like Buffalo Bill himself? If you prefer a trip with more creature comforts, head over to the <a href="http://www.shoshonelodge.com/" target="_blank">Shoshone Lodge and Guest Ranch</a> where you can catch a few winks in a tepee for about $130 per night in the off season.</p> <h2>5. Miami Beach, Florida</h2> <p>This pastel-painted region is ideal for deep-sea fishing, where you can test your strength and stamina against yellowfin tuna, blue marlin, giant sailfish, Amberjack, mahi-mahi, and more. Even better, you don't have to do any of the dirty work once dinner's on the boat, because many local restaurants will prepare and cook your catch for you.</p> <p>Toss out your line from piers and docks along the coastline or book fishing charter trips if you want an expert experience. If you think you've got what it takes to reel in a trophy fish, register for one of the several sport fishing tournaments hosted in the city.</p> <p>Airbnb is the way to go in Miami if you're in town for a fishing trip. You can book space in someone's apartment or condo, either on South Beach or in the outlying suburbs (the latter option will be cheaper), or rent out an entire home if you're bringing a few fishing buddies along with you. Definitely more bang for the buck than a hotel in Miami Beach.</p> <h2>6. Kenai Peninsula, Alaska</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5169/iStock-520292314.jpg" width="605" height="341" alt="" /></p> <p>Depending on where you live in North America, getting to Alaska may prove difficult, both logistically and financially. But there are deals out there if you look for them. The Alaska Airlines website is one place to look.</p> <p>Shave even more off the overall cost of the trip by renting a cabin in the borough city of Soldotna rather than staying in the pricier hotels and Kenai River lodges. With the cash you'll conserve, you can spring for a day with a <a href="http://www.mykenairiverguide.com/" target="_blank">Kenai River guide</a> fishing in the sun, where you're likely to hook the world-famous king salmon, halibut, and massive rainbow trout, among other species of good eats.</p> <h2>7. Lake of the Ozarks, Missouri</h2> <p>Self-proclaimed &quot;bass masters&quot; will be in their glory fishing the 54,000-acre Lake of the Ozarks in Missouri, which is home to several major bass-fishing competitions throughout the year. In addition to bass aplenty, the lake is home to huge numbers of baitfish such as gizzard shad and bluegill, as well as crappie, several species of catfish, and more. You'll also find some of the best winter fishing here, according to tourism info that puts an emphasis on January and February as prime fishing months.</p> <h2>8. Ilwaco, Washington</h2> <p>Charter fishing for salmon is huge in the Port of Ilwaco, a place that claims the highest catch per unit of effort of any fishing destination on the U.S. West Coast. Salmon and Dungeness crab are caught from land off the North Jetty at Cape Disappointment State Park, but you also can expect to reel in sturgeon, albacore tuna, halibut, and lingcod. Surf perch is another favorite for land-based fishing.</p> <p>Plus there are lakes stocked with rainbow trout and shellfish harvesting, razor clams, oysters from Willapa Bay, and butter clams. Ilwaco is located at the mouth of the Columbia River, at the foot of the Long Beach Peninsula, three hours from the greater Seattle area.</p> <p>If luxury isn't important during your downtime, check into <a href="http://www.heidisinnilwaco.com/" target="_blank">Heidi's Inn</a>, a no-frills roadside motel-type joint just a few blocks from the water in downtown Ilwaco. The budget-friendly rooms will only set you back $95 per night.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;">&nbsp;<img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Affordable%20Destinations%20for%20People%20Who%20Love%20to%20Fish.jpg" alt="8 Affordable Destinations for People Who Love to Fish" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-affordable-destinations-for-people-who-love-to-fish">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-affordable-destinations-for-nature-lovers">7 Affordable Destinations for Nature Lovers</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-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</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-exciting-ways-to-see-the-country-this-summer">8 Exciting Ways to See the Country This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-avoid-these-12-summer-travel-mistakes">How to Avoid These 12 Summer Travel Mistakes</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-make-sure-youre-getting-a-deal-with-groupon-getaway">How to Make Sure You&#039;re Getting a Deal With Groupon Getaway</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel fishing fishing destinations summer travel travel destinations travel tips vacation tips Tue, 01 Aug 2017 08:30:11 +0000 Mikey Rox 1994329 at http://www.wisebread.com How to Live the "Location Independent" Lifestyle http://www.wisebread.com/how-to-live-the-location-independent-lifestyle <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-live-the-location-independent-lifestyle" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_working_on_laptop_with_coffee_and_young_coconut.jpg" alt="Young woman working on laptop with coffee and young coconut" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you dreamed of traveling the world, using your laptop and a Wi-Fi connection to do all the work you need to do, from anywhere you want, whenever it's convenient for you?</p> <p>For years, this has been called telecommuting and more recently, digital nomadism. Lately, this lifestyle has been called &quot;location independent,&quot; because you can live and work from anywhere. I have been living this life for over five years now and, while I haven't used my freedom to travel the world, I wouldn't trade my current life for anything.</p> <p>Living this way seems like a lofty goal, reserved for a few people with trust funds or for those lucky enough to have that perfect, unattainable job. But the truth is, living the location independent lifestyle is probably within your reach. Before diving in, here's what you need to consider. (See also: <a href="http://www.wisebread.com/7-trendy-destinations-for-digital-nomads?ref=seealso" target="_blank">7 Trendy Destinations for Digital Nomads</a>)</p> <h2>Determine what your goals are</h2> <p>Before you make any solid plans to quit your job, decide what you want from a location independent lifestyle. Do you want to travel the world? Or do you want to keep your home and much of your life, but have the freedom to take days off when you want them, or maybe spend more time with your kids or an aging parent?</p> <p>I chose location independence because I knew that my husband's job was going to involve at least a couple of moves in pretty quick succession, and because I wanted to spend time with my children while they were young. It's not quite as romantic as working from a beach in Tahiti, but it has worked quite well for us.</p> <h2>Make a plan</h2> <p>If you like the work you're doing now, would your company let you work remotely? This can be a toss up, depending on what, exactly, you do and who you work for. But it can be worthwhile to ask around or to approach your boss directly. The worst they can do is say, &quot;No.&quot;</p> <h3>Fine-tune your skills</h3> <p>Consider, too, your skill set. A lot of work can be done on a freelance basis. Things like writing, editing, proofreading, business coaching and consulting, and more, are easily done with just a computer and an internet connection. When I made my transition, I chose to focus on writing and editing, because I had already done a little work in both fields, and because I saw a lot of good opportunities around me. Whatever you choose, make sure it's something you like and something where work seems readily available. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso" target="_blank">22 Websites That Will Pay You to Write for Them</a>)</p> <h3>Sell the stuff you won't need</h3> <p>If you're going to travel, you will also want to think about what to do with all of your possessions. Will you store them or sell them? Even if you only plan to travel part-time, you might not need to own as much or have as much space.</p> <h3>Figure out health coverage</h3> <p>Health insurance is another important consideration. If you are currently getting that through an employer, you will want to figure out what you will do once that expires. Will you buy your own, or go on a spouse's plan? Map it all out beforehand so you're prepared for any potential obstacles.</p> <h2>Test the waters</h2> <p>Before I went location independent, I built up a freelance clientele while I kept my day job. This meant quite a lot of hustling to get everything done, but it also meant that when I cut my ties to that steady job, I knew I had other sources of income coming in.</p> <p>Sometimes people also find out that they aren't cut out for working independently. They miss their coworkers, they don't feel motivated, or get sad and depressed. So spending some time actually doing the work that you plan to do after you quit can be key to ensuring your future happiness. (See also: <a href="http://www.wisebread.com/8-life-skills-every-freelancer-needs?ref=seealso" target="_blank">8 Life Skills Every Freelancer Needs</a>)</p> <h2>Be flexible</h2> <p>Living a location independent lifestyle has it's own set of problems, separate from those that people face when they live more traditional lives. Clients can up and disappear, or you can be so swamped with work that you don't look up from the computer for four days. People forget to pay, or they think they can get away with shorting you. A client could reject a project after you've put hours and hours into it. Or maybe the Wi-Fi dies at your hotel, 30 minutes before a big pitch. Or your Airbnb doesn't even have Wi-Fi, or someone else is in it when you get there, or you find out you actually hate the part of the world you've moved to.</p> <p>While you do have recourse in most of these situations, you will get through them easier and like your lifestyle better if you remember that these are simply the ups and downs of this kind of life. They can feel bigger and harder because they are so different from the ups and downs of a regular life, but the truth is that they will all pass. Things will get better. You will become more savvy at figuring out which clients to take, where to stay, and more.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-live-the-location-independent-lifestyle&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Live%2520the%2520Location%2520Independent%2520Lifestyle.jpg&amp;description=How%20to%20Live%20the%20Location%20Independent%20Lifestyle"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Live%20the%20Location%20Independent%20Lifestyle.jpg" alt="How to Live the Location Independent Lifestyle" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle">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/8-affordable-destinations-for-people-who-love-to-fish">8 Affordable Destinations for People Who Love to Fish</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/three-e-books-to-help-you-make-money-travel-and-change-your-life">Three E-Books to Help You Make Money, Travel, and Change Your Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-great-jobs-for-snowbirds">9 Great Jobs for Snowbirds</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-ways-freelancers-and-telecommuters-can-make-friends-and-network">11 Ways Freelancers and Telecommuters Can Make Friends and Network</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-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel location independent telecommute travel tips work from anywhere work from home work from home lifestyle work tips Tue, 25 Jul 2017 09:00:10 +0000 Sarah Winfrey 1989546 at http://www.wisebread.com It's Time to Drop These 6 Rules of Money Etiquette http://www.wisebread.com/its-time-to-drop-these-6-rules-of-money-etiquette <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/its-time-to-drop-these-6-rules-of-money-etiquette" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_cash_516174758.jpg" alt="Woman dropping rules of money etiquette" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Good manners are important to me. Over the years, I have made a habit of reading Miss Manners, Emily Post, Letitia Baldridge, and other etiquette experts to make sure my politeness game is on point. But as committed as I am to the many etiquette rules that help to make life more considerate, there are some rules that should be retired.</p> <p>Specifically, money etiquette rules have not necessarily kept up with the changing economic times. The following six rules now cause more social awkwardness and embarrassment than they prevent &mdash; and that's why it's time to drop them. (See also: <a href="http://www.wisebread.com/8-rules-of-etiquette-we-wish-were-still-around-today?ref=seealso" target="_blank">8 Rules of Etiquette We Wish Were Still Around Today</a>)</p> <h2>1. The man pays for the first date</h2> <p>The standard of a man paying for a first date is based on the assumption that he's the higher earner. But that's hardly the case in the modern world. Today's romantic pairings very likely include women who far outearn their dates &mdash; not to mention the fact that this old-timey rule excludes same-sex couples.</p> <p>A better rule, and one that Miss Manners has always promoted, is for the person who issues the invitation to pay for the outing. That being said, the invitee should always be prepared to pay for him or herself, just in case.</p> <h2>2. Salary discussions are always off limits</h2> <p>While it will never be considered polite to straight-up <a href="http://www.wisebread.com/6-money-questions-you-never-have-to-answer" target="_blank">ask someone how much they make</a>, the limitation on salary discussions does need to be lifted. For one thing, not discussing compensation has helped to entrench the gender wage gap. You might recall <a href="http://us11.campaign-archive1.com/?u=a5b04a26aae05a24bc4efb63e&amp;id=64e6f35176&amp;e=1ba99d671e#wage" target="_blank">Jennifer Lawrence's essay</a> on Lenny Letter about how shocked she was to discover that her male co-stars in the movie <em>American Hustle</em> made significantly more than she did. The only reason she was aware of the pay discrepancy was because of the Sony email hack.</p> <p>But there is more at stake than just the gender wage gap. When you don't know what other people with commensurate skills and experience are paid, then your employer always has the upper hand in salary negotiations. This is called &quot;information asymmetry,&quot; wherein one party in a transaction has more information than the other. The only way to tilt hiring and salary negotiations in your favor is to talk openly about salary with your colleagues and friends.</p> <p>That being said, it's still a tough topic to bring up. The best way to go about it is to ask a trusted colleague if you can talk about money, and be willing to take no for answer.</p> <h2>3. The bride's family pays for the wedding and the groom's family pays for the rehearsal dinner</h2> <p>This rule is a holdover from when financially dependent brides went directly from their parents' home to their new married life, and the tradition has even older and more offensive roots. Back in the day, a bride's family would pay a dowry to the groom in order to compensate him for taking over financial responsibility for their daughter.</p> <p>While the origins of the tradition that the groom's family will pay for the rehearsal dinner are not as clear, the upshot of this rule was that it gave the new husband's parents an opportunity to host a portion of the wedding celebration.</p> <p>For both of these rules, the assumption was that the parents of the bride and groom &mdash; rather than the new couple themselves &mdash; are hosting the wedding.</p> <p>A better rule would be for couples to plan on paying for their own nuptials rather than assuming their parents will cover the costs. This way, any parental offers of money to go toward the wedding can be treated as a gift rather than an obligation. This will prevent any unpleasant surprises if the couple's expectations don't match their parents' financial abilities (and vice versa), and can ensure that the couple gets the wedding they want.</p> <h2>4. Parents pay for family dinners out</h2> <p>When adult children go out to dinner with their parents, there's an expectation that the parents will pick up the check. This etiquette rule seems to reflect habit rather than true politeness, and it's a habit you should grow out of as your parents age. Adult children in the thick of their careers are likely to have more disposable income than retired parents on fixed incomes, and you should keep this in mind rather than simply assuming that your parents will always pay.</p> <p>However, changing this dynamic can be a little tough, even if you make it clear ahead of time that you're inviting your parents out to eat and that it will be your treat. A good way to make sure there's no scuffle over the bill is to let your waiter know ahead of time that you're paying. You can get up just before dessert and hand over your credit card so the meal is truly your treat.</p> <h2>5. Tip waiters 15 percent for normal service, 20 percent for exceptional service</h2> <p>The 15 percent tip was the gold standard for dining out through much of my childhood and young adulthood. I was taught to calculate my tip as 15 percent of the pretax amount of my food. This rule most definitely needs to change because the federal minimum wage for tipped employees has been stuck at $2.13 per hour since 1991.</p> <p>While your server's hourly wage may be higher depending on where you live, since different states have <a href="https://www.dol.gov/whd/state/tipped.htm" target="_blank">different minimum wage regulations</a>, the bottom line is that wait staff <em>depend upon tips to make a living</em>. Continuing to tip 15 percent on your pretax bill could make a big, negative difference on your server's finances.</p> <p>These days, tipping 20 percent on your whole bill (after tax) for normal service is a better rule of thumb. You can always up your tip to 25 percent or more if the service is extraordinary.</p> <h2>6. Don't mention gifts on an invitation</h2> <p>One of the diciest etiquette land mines has to do with the expectation of gifts for weddings and birthdays. The old rules require you to say nothing about gifts, other than profuse thanks for any that are given. According to these rules, guests can ask about what the birthday child or bridal couple or expectant parents would like when they RSVP for the event.</p> <p>Miss Manners has expressed her horror at both the proliferation of gift registries and the inclusion of the words &quot;no gifts, please&quot; on an invitation. According to her, a gift should be an expression of affection from the giver to the recipient, and any mention of gifts on an invitation sullies the joy of gift-giving.</p> <p>While disdain for clear gift-grabs is absolutely warranted &mdash; no one wants to feel like they have only been invited to a party to increase the number of presents &mdash; the hard-and-fast rule of no mentions of gifts on invitations has become outdated.</p> <p>In general, most wedding guests want to have some idea of what the bride and groom would like or need, and most parents of birthday-party-aged children would like to turn off the onslaught of stuff that accompanies a modern childhood. Bridal (and baby) registries make life much easier for friends and family who would not otherwise know what to give. Spelling out these expectations helps diminish confusion, resentment, and waste at gift-giving occasions.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fits-time-to-drop-these-6-rules-of-money-etiquette&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FIts%2520Time%2520to%2520Drop%2520These%25206%2520Rules%2520of%2520Money%2520Etiquette.jpg&amp;description=Its%20Time%20to%20Drop%20These%206%20Rules%20of%20Money%20Etiquette"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Its%20Time%20to%20Drop%20These%206%20Rules%20of%20Money%20Etiquette.jpg" alt="It's Time to Drop These 6 Rules of Money Etiquette" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/its-time-to-drop-these-6-rules-of-money-etiquette">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/how-living-on-a-tight-budget-makes-you-happier">How Living on a Tight Budget Makes You Happier</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-parenting-mistakes-to-avoid-when-teaching-kids-about-money">4 Parenting Mistakes to Avoid When Teaching Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-money-saving-hacks-are-a-huge-waste-of-time">These 5 Money-Saving Hacks Are a Huge Waste of Time</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-when-youre-rich-dream-buys-that-arent-that-great">5 &quot;When You&#039;re Rich&quot; Dream Buys That Aren&#039;t That Great</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/18-ways-being-too-nice-is-hurting-your-wallet">18 Ways Being Too Nice Is Hurting Your Wallet</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle budgeting etiquette money etiquette money rules saving money Spending Money Wed, 19 Jul 2017 08:00:17 +0000 Emily Guy Birken 1986887 at http://www.wisebread.com 7 Ways to Beat the Sunday Blues http://www.wisebread.com/7-ways-to-beat-the-sunday-blues <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-beat-the-sunday-blues" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_brunette_woman_in_home_interior.jpg" alt="Young brunette woman in home interior" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Before I launched my own small business, I suffered from an acute case of the Sunday blues. A low hum of anxiety about the coming week made every Sunday bittersweet &mdash; and made my weekends seem exceptionally brief. Friday night and Saturday felt like the only time I could truly unwind and recharge. If you're in the same spot, it's time to add a new feel to your Sundays. It's time to reclaim your <em>whole</em> weekend.</p> <h2>1. Prepare on Friday</h2> <p>Before leaving work each Friday, take care of your Monday morning self. What can you do with the last hour of the workday to give yourself a head start next week? What task is most likely to needle away at you all weekend long? With a shorter list of Monday morning to-dos, you'll be less likely to suffer from Sunday blues.</p> <h2>2. Create a fun Sunday night ritual</h2> <p>Wanna make Monday feel miles away? Create new routines. Every Sunday night, lose yourself in a classic movie, host a low-key potluck dinner with a few close friends, or play moonlight miniature golf with your significant other. It's simple psychology: The more fun you're having, the less you're thinking about Monday. (See also: <a href="http://www.wisebread.com/8-ways-to-make-your-weekend-feel-longer?ref=seealso" target="_blank">8 Ways to Make Your Weekend Feel Longer</a>)</p> <h2>3. Indulge yourself on Monday</h2> <p>Ease into your week with a Monday treat. Take an early morning yoga class, schedule breakfast out with a friend, or work from home the first two hours of your day. Little indulgences like these can take the bite out of Mondays. (See also: <a href="http://www.wisebread.com/12-frugal-skills-you-must-have-to-survive-mondays" target="_blank">12 Frugal Skills You Must Have to Survive Mondays</a>)</p> <h2>4. Nix the Monday morning meeting</h2> <p>If you have any control over the schedule where you work, do everyone a favor and kill the Monday morning meeting. Frankly, no one's head is really in the game before 11:00 a.m. on Mondays, anyway. Let the first two hours of each new work week be about finding the nearest coffee pot and catching up on emails.</p> <h2>5. Avoid after-work obligations</h2> <p>Make Monday an extension of Sunday by avoiding any after-work obligations. Just knowing your Monday evening is free of meetings, appointments, or late-night projects can help minimize Sunday-night stress.</p> <h2>6. Plan a mid-week break</h2> <p>Weeks don't seem as long when we have something to look to forward to. Plan a fun or relaxing mid-week event. A massage, a date night, an intense game of racquetball &mdash; whatever you choose, make sure it's something that's easy and doesn't come with hidden stressors (traffic, parking hassles, or obligations immediately afterward).</p> <h2>7. Strategically schedule PTO</h2> <p>Who says you have to take a single two-week-long vacation every year? Instead, sprinkle days off across the calendar. Give yourself a three-day weekend every month and avoid Mondays altogether. If you work in the public sector and accumulate comp time, take it on Mondays and revel in few more stress-free Sundays.</p> <p>In the end, overcoming the Sunday blues is all about making more conscious choices. Bend your schedule to your will. Beat Mondays into submission. Game your brain so it feels like you have more downtime. Whatever you do, defend every precious hour of your hard-won weekend!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-to-beat-the-sunday-blues&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520to%2520Beat%2520the%2520Sunday%2520Blues.jpg&amp;description=7%20Ways%20to%20Beat%20the%20Sunday%20Blues"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Ways%20to%20Beat%20the%20Sunday%20Blues.jpg" alt="7 Ways to Beat the Sunday Blues" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/7-ways-to-beat-the-sunday-blues">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/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend">Flashback Friday: 143 Fun and Frugal Ways to Spend Your Weekend</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes">Where to Find Free or Cheap Yoga Classes</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-resistance-bands">The 5 Best Resistance Bands</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-exercise-mats">The 5 Best Exercise Mats</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle case of the Mondays Sunday blues sundays weekend weekend fun work week Fri, 14 Jul 2017 08:01:05 +0000 Kentin Waits 1983090 at http://www.wisebread.com 8 Ways Your Customer Service Job Can Help You Win at Life http://www.wisebread.com/8-ways-your-customer-service-job-can-help-you-win-at-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-your-customer-service-job-can-help-you-win-at-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/waitress_holding_tray_with_cappuccinos.jpg" alt="Waitress holding tray with cappuccinos" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Maybe you'd hoped for a different job by this point in your life, but here you are, still waiting tables, and it feels like you will never move up in the world.</p> <p>But here's the good news: While serving people may not be what you want to do forever, you will learn some important lessons along the way. These will not only make you a better person, but are also likely to make you more successful later in life.</p> <h2>1. You learn to be polite to everyone</h2> <p>When you're serving people, you have to be polite, even when they aren't polite to you. Customers can do and say some horrible things, but you still have to smile and do your best to get them what they want. Sure, it's frustrating at the time, but these are skills that you need to learn. There are, unfortunately, rude people in every walk and station of life, and learning how to deal with them will make you happier and less likely to lose your cool later, when it could matter more.</p> <h2>2. You learn to prioritize</h2> <p>When the restaurant rush is on and you're slammed, you have to figure out how to be as efficient as possible. Instead of running to the kitchen seven separate times, you learn to do things in batches. Instead of bringing all of the condiments individually, you learn to grab them all at once. Working in the service industry, especially during busy times, helps you decide quickly what is important, what can wait, and which tasks best go together.</p> <p>No matter what you do later in life, these skills will help you do it better. They will make you a more productive employee, whether you are deciding which arguments are the most important in legal cases, or triaging injuries in an emergency room.</p> <h2>3. You learn which battles are worth fighting</h2> <p>At some point in your service industry job, people are probably going to treat you poorly. While these can be miserable experiences in the moment, they can help you learn when you need to stand up for yourself and when it's better to just smile, nod, and be on your way. This will help you to be a calmer person, and also to be more confident about when you should take a stand.</p> <h2>4. You learn to embrace pressure</h2> <p>Service industry jobs come with a lot of pressure, especially when it's busy and people are putting in complicated orders or making very specific requests. If you stay long enough, you will learn to thrive under this kind of pressure. You will become someone who is unruffled, even when things get hectic, and someone who can be relied upon even when life is challenging.</p> <p>And life<em> is</em> challenging. So learning how to function well, how to control your stress reactions, and how to be kind and polite even when the heat is on will serve you throughout life. It will make you the kind of person who doesn't melt down simply because things got hard for a little while.</p> <h2>5. You learn empathy</h2> <p>I have found it to be universally true that everyone you meet is fighting a battle of some sort. When you work in the service industry, you will eventually learn this. That customer who reordered her food five times just found out she has a severe allergy and is terrified of eating something that will make her sick. The child who screams for the entire dinner just got out of the hospital. The harried parent is involved in a messy divorce.</p> <p>As you work, you will hear people's stories and sometimes they will involve hard, awful things. Hearing these, and seeing how so much of our bad behavior comes from stress and pain, will teach you empathy. It will help you see things from a different perspective, which makes you a better person overall.</p> <h2>6. You learn humility</h2> <p>You are more than your job. But while you're at work, you still have to do that job. And service industry jobs are not about you, but about whatever product you are offering, and about the people you are offering it to. Service industry jobs teach you to step outside of yourself and be about something else for a little while.</p> <p>Anyone who can step outside of themselves for a job can also do it for their spouse, their children, or for another job that means more to them. While you should never sacrifice yourself long term, being able to do it for a period of time means that you understand that it's not all about you all the time, and you can let life &mdash; even your life &mdash; be about someone or something else in certain times and under certain circumstances.</p> <h2>7. You learn the importance of manners</h2> <p>It only takes someone being rude to you once or twice for you to learn the importance of good manners. Even the difference between an order given gruffly and one with a &quot;please&quot; will astound you. As you take these lessons to heart, you will learn to use your own manners, no matter the circumstances. Being rude never makes things better.</p> <h2>8. You learn to work with people you don't like</h2> <p>You will be on a team throughout life. Even in your home, as you marry and maybe have children, you will be part of a team. Sometimes, you won't like the other people on your team (even when that person is your spouse!). But you will still have to work with them. A service industry job can help you learn how to do that.</p> <p>There will most likely be people you don't like at work. But learning how to communicate with them, and how to break up the necessary workload with them, will help you succeed later in life, when working as a team may be even more important.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-ways-your-customer-service-job-can-help-you-win-at-life&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Ways%2520Your%2520Customer%2520Service%2520Job%2520Can%2520Help%2520You%2520Win%2520at%2520Life_1.jpg&amp;description=8%20Ways%20Your%20Customer%20Service%20Job%20Can%20Help%20You%20Win%20at%20Life"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Ways%20Your%20Customer%20Service%20Job%20Can%20Help%20You%20Win%20at%20Life_2.jpg" alt="8 Ways Your Customer Service Job Can Help You Win at Life" width="250" height="374" /></p> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <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/8-ways-your-customer-service-job-can-help-you-win-at-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-wise-tips-famous-ceos-would-give-their-younger-selves">8 Wise Tips Famous CEOs Would Give Their Younger Selves</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-job-myths-boomers-should-stop-believing">6 Job Myths Boomers Should Stop Believing</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-unexpected-benefits-of-volunteering">9 Unexpected Benefits of Volunteering</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/crappy-service-great-food-what-to-do">Crappy service, great food...what to do?</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/sit-in-on-a-class-at-mit-for-free">Sit in on a Class at MIT for Free!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle better person customer service empathy job skills life lessons manners server service job teamwork waiter waitress Mon, 10 Jul 2017 09:00:09 +0000 Sarah Winfrey 1980031 at http://www.wisebread.com Best Money Tips: How to Live Like a Millionaire for a Day http://www.wisebread.com/best-money-tips-how-to-live-like-a-millionaire-for-a-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-live-like-a-millionaire-for-a-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wealthy_sailboat_518185530.jpg" alt="Woman living like a millionaire for a day" 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 live like a millionaire for a day, how to survive long flights, and side hustles you can do with your partner.</p> <h2>Top 5 Articles</h2> <p><a href="https://blog.cheapism.com/how-to-live-like-a-millionaire-17120/">13 Ways to Live Like a Millionaire for a Day</a> &mdash; The sharing economy, ecommerce, and travel technology have made it easier &mdash; and more affordable &mdash; to rent luxury. [Cheapism]</p> <p><a href="https://www.popsugar.com/smart-living/Tips-Long-Flights-43713787">5 Creative Ways to Survive Long-Haul Flights</a> &mdash; Your feet will swell after extended periods of sitting, but you can minimize this by bringing an inflatable foot rest on your flight. [PopSugar Smart Living]</p> <p><a href="http://everythingfinanceblog.com/20760/7-side-hustles-can-partner.html">7 Side Hustles You Can Do with Your Partner</a> &mdash; In catering, one partner can do the cooking while the other takes care of the delivery and packaging. [Everything Finance]</p> <p><a href="https://www.dumblittleman.com/ways-to-lose-weight/">5 Tips For Smashing Your Weight Loss Goals</a> &mdash; Set short-term goals that contribute to long-term results. [Dumb Little Man]</p> <p><a href="https://www.pickthebrain.com/blog/how-to-save-yourself-from-text-by-kate-durocher/">How to Save Yourself From &lsquo;Text Neck&rsquo; (Trust me, you&rsquo;ve got it!)</a> &mdash; The human head weighs an average of 12 pounds. When bent over looking at a phone at a 60-degree angle, a weight of 60 pounds is being exerted on your neck. [Pick The Brain]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.csmonitor.com/USA/2017/0707/US-employers-add-robust-222K-jobs-in-June-despite-slow-growing-economy">US employers add robust 222K jobs in June despite slow-growing</a> economy &mdash; According to the recent job report, companies still have room to hire at a healthy pace. [The Christian Science Monitor]</p> <p><a href="http://www.frugalvillage.com/2017/07/07/how-to-make-your-ceramic-tile-look-like-new/">How to Make Your Ceramic Tile Look Like New</a> &mdash; Follow these easy, deep cleaning steps to make your ceramic tile look brand-new. [Frugal Village]</p> <p><a href="https://adebtfreestressfreelife.com/7-easy-tips-to-keep-your-bedroom-clean/">7 Easy Tips To Keep Your Bedroom Clean</a> &mdash; Don't use furniture surfaces for storage. The tops of your nightstands and dressers should be free of clutter. [A Debt Free Mess Free Life]</p> <p><a href="https://www.biblemoneymatters.com/4-reasons-why-you-shouldnt-be-afraid-to-let-your-child-take-a-year-off-college/">4 Reasons Why You Shouldn&rsquo;t Be Afraid To Let Your Child Take A Year Off College</a> &mdash; Having some real world experience can help your child decide what they want as a career &mdash; before dropping tens of thousands of dollars in an area of study that may not be a good fit for them. [Bible Money Matters]</p> <p><a href="http://www.positivityblog.com/get-more-done-with-less-stress/">How to Get More Done with (a Lot) Less Stress: 12 Daily Habits</a> &mdash; Ask yourself questions throughout the day to help focus on and simplify your tasks. [The Positivity Blog]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-live-like-a-millionaire-for-a-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-rich-stay-rich-a-lesson-in-lateral-thinking">How the rich stay rich; a lesson in lateral thinking</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/37-ways-youd-be-better-off-as-a-bum">37 Ways You’d be Better Off as a Bum</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-add-an-extra-hour-to-your-day">How to Add an Extra Hour to Your Day</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life">5 Easy Ways to Declutter Your Digital Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips millionaire Mon, 10 Jul 2017 08:30:17 +0000 Amy Lu 1980305 at http://www.wisebread.com The 5 Best Beach Umbrellas http://www.wisebread.com/the-5-best-beach-umbrellas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-beach-umbrellas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_beach_umbrella_510999689.jpg" alt="Family using best beach umbrella" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting some sun is a great way to increase your vitamin D intake and experience an array of health benefits. However, it&rsquo;s important that you protect your skin to ensure you don&rsquo;t potentially damage it and compromise your health. The journal JAMA Dermatology recommends using more than one sun safety strategy at a time, and a beach umbrella can provide the protection you need from the sun&rsquo;s harmful UV rays.</p> <h2>What is a beach umbrella?</h2> <p>A beach umbrella is a large umbrella that can provide portable shade and sun protection. It can make outdoor activities more enjoyable by protecting you from the sun, so it&rsquo;s a must-have for any avid pool and beach goer.</p> <h2>Top 5 beach umbrellas</h2> <h3>Tommy Bahama Sand Anchor Beach Umbrella</h3> <p><a href="http://amzn.to/2soJEUA" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/tommy.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in patio umbrellas, the <a href="http://amzn.to/2soJEUA" target="_blank">Tommy Bahama Sand Anchor Beach Umbrella</a> is one of the best umbrellas on the market. It features special aluminum undercoating to protect against the sun's harmful rays. It also has a wind vent and a sand anchor to secure your umbrella with a simple twist.</p> <p>This comes with a tilt and telescoping pole and is available in a range of colors. It is recommended by NY Mag and has hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2soJEUA" target="_blank"><em>Currently $46.99 on Amazon</em></a></p> <h3>Sport-Brella Portable All-Weather and Sun Umbrella</h3> <p><a href="http://amzn.to/2tKDUIl" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sport-brella.jpg" width="245" height="210" align="right" alt="" /></a>This portable umbrella kit has everything you need for a day at the beach, beginning with the <a href="http://amzn.to/2tKDUIl" target="_blank">Sport-Brella Portable All-Weather and Sun Umbrella</a>, which is more than your average beach umbrella. It&rsquo;s more like a beach umbrella, sun tent, and rain shelter in one. It provides instant shade and sun and weather protection. It can be set up like a dome or canopy in seconds.</p> <p>The lightweight, durable eight-foot canopy umbrella provides oversized coverage without restricting your view. With UPF 50+ maximum sun protection, it blocks 99.95% of UVA/UVB rays. The large canopy has side panel zippered windows for additional ventilation, internal pockets, and an adjustable pole for stability. It is made of durable, water-resistant 210-D polyester that won&rsquo;t rip or tear. It is supported by 4.5mm steel ribs and a 5 mm steel stretcher, allowing it to stand up to windy conditions. It features added tent flaps for additional protection from rain and wind, and stakes and sandbags for extra security.</p> <p>This is available in two colors and includes a carrying bag, three tie-down cords, and eight steel ground stakes for extra stability on windy days. It is recommended by NY Mag and The Sweethome and has outstanding online reviews, including over 1,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2tKDUIl" target="_blank"><em>Currently $56.37 on Amazon</em></a></p> <h3>EasyGo Beach Umbrella</h3> <p><a href="http://amzn.to/2solnOG" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/easygo.jpg" width="245" height="245" align="right" alt="" /></a>The heavy duty <a href="http://amzn.to/2solnOG" target="_blank">Rainbow EasyGo Beach Umbrella</a> provides as much shade as a tent. The canopy beach umbrella is height adjustable thanks to a three-hole locking adjustment and double-sided locking pins. It provides extra sun protection thanks to silver UV coating on the inside of the umbrella.</p> <p>The heavy duty pole system and 16 fiberglass ribs provide additional durability and protection. The weatherproof polyester cover with vented canopy can stand up to wet and windy conditions. It has a lightweight, rust-free pole with height adjustment options and easy push button tilt adjustment to maximize shade.</p> <p>This includes a carry bag and a heavy duty screw to easily anchor into the ground for maximum stability. It has outstanding online reviews and is also backed by a 30-day refund policy.</p> <p><a href="http://amzn.to/2solnOG" target="_blank"><em>Currently $57.99 on Amazon</em></a></p> <h3>Frankford Steel Commercial Grade Beach Umbrella</h3> <p><a href="http://amzn.to/2tnVy2o" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/concession.jpg" width="215" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2tnVy2o" target="_blank">Frankford Steel Commercial Grade Beach Umbrella</a> easily lifts with a manual push-up device, so you can start enjoying the beach right away. The sturdy, industrial-type canopy umbrella is heavier than standard umbrella fabrics, so it works well in windy conditions. The umbrella's rib pockets are triple layered to prevent tearing. It features 5 mm zinc-plated steel ribs and stainless steel springs. The durable solution-dyed marine grade acrylic fabric has less chance of fading. It also has UPF 50+ for superior protection from the sun.</p> <p>This comes with a carry bag and an ash wood pole. It is available in a wide range of designs and colors. It is frequently recommended online by publications like NY Mag. It is also backed by a three-year manufacturer's warranty and the fabric is guaranteed against fading for five years.</p> <p><a href="http://amzn.to/2tnVy2o" target="_blank"><em>Currently $175.90 on Amazon</em></a></p> <h3>Coolibar UPF 50+ Titanium Beach Umbrella</h3> <p><a href="http://amzn.to/2sEplXi" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coolibar.jpg" width="235" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2sEplXi" target="_blank">Coolibar UPF 50+ Titanium Beach Umbrella</a> can keep you up to 15 degrees cooler in the strongest sunlight. The lightweight, sturdy nylon umbrella offers UPF 50+ sun protection. The outside also reflects UV rays, while the underside absorbs UV rays. The patented double-canopy design has a mesh insert for optimum ventilation. It is made from water-repellent, durable nylon fabric. The heavy duty noncorroding aluminum frame with manual tilt adjustment has lightweight fiberglass ribs and spreaders for additional stability.</p> <p>This is easy to tote and collapses small. It includes a carrying case and is available in two colors. It is also recommended by Good Housekeeping and is highly reviewed online.</p> <p><a href="http://amzn.to/2sEplXi" target="_blank"><em>Currently $89.50 on Amazon</em></a></p> <p>And those are our recommendations for the best beach umbrellas. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-beach-umbrellas&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Beach%2520Umbrellas.jpg&amp;description=The%205%20Best%20Beach%20Umbrellas"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Beach%20Umbrellas.jpg" alt="The 5 Best Beach Umbrellas" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-beach-umbrellas">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-tents">The 5 Best Beach Tents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-eye-masks">The 5 Best Eye Masks</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-bladeless-fans">The 5 Best Bladeless Fans</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-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best beach day beach umbrellas product reviews shopping summer summer accessories Thu, 06 Jul 2017 08:00:11 +0000 Andrea Cannon 1978207 at http://www.wisebread.com Make the World Better With These 17 Free Ways to Give Back http://www.wisebread.com/make-the-world-better-with-these-17-free-ways-to-give-back <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/make-the-world-better-with-these-17-free-ways-to-give-back" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_caucsian_female_volunteers_in_local_park.jpg" alt="Beautiful Caucasian female volunteers in local park" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Giving back feels good and offers support to those who need it, but it can sometimes feel like the only contributions that make a difference are financial. While donating money to charity or to community members in need is a wonderful way of giving back, monetary donations can be out of the reach of some budgets.</p> <p>Even if you don't have the finances to write checks to your favorite charities, you can still give back without spending a single dime. Here are 17 entirely free methods of making the world a better place.</p> <h2>In-person volunteer opportunities</h2> <p>Giving your time to a charity or an organization you care about is one of the most selfless ways that you can give back. There are a number of ways to volunteer that will match up with both your interests and the needs of your community.</p> <h3>1. Volunteer Match</h3> <p><a href="https://www.volunteermatch.org/" target="_blank">Volunteermatch.org</a> brings together local volunteers with local nonprofit organizations that need help. You can search for a cause that means something to you, and offer your time, expertise, or services.</p> <h3>2. Idealist</h3> <p><a href="https://www.idealist.org/en/?sort=relevance&amp;type=VOLOP" target="_blank">Idealist.org</a> was created to connect idealists with opportunities for collaboration and action to bring their good ideas to life. With more than 120,000 organizations listed and 1.4 million monthly visitors to the site, you can connect with other people who share your ideals.</p> <h3>3. Elder Helpers</h3> <p>If you'd like to make a difference in the life of a local senior citizen, sign up with <a href="http://elderhelpers.org/" target="_blank">ElderHelpers.org</a> to connect with a local senior in need. You could volunteer to help with anything from running errands to gardening and housework to entertaining.</p> <h3>4. Project Sunshine</h3> <p>Volunteers with <a href="http://projectsunshine.org/" target="_blank">ProjectSunshine.org</a> bring arts, educational, and social services programming to children living with serious medical challenges and their families. Volunteers can work to create program materials and deliver these programs on-site to the children.</p> <h3>5. Girls on the run</h3> <p>If you love to run, then volunteering with <a href="https://www.girlsontherun.org/" target="_blank">Girlsontherun.org</a> could be a great fit for you. Volunteers coach a group of girls through 10-12 week running programs that include physical activity and a service project. You'll help empower young women to be healthy, confident, and more connected to their communities.</p> <h2>Online volunteering</h2> <p>Believe it or not, you can volunteer your time from the comfort of your home. The internet allows volunteers to bring their skills to organizations that need them, no matter where they are. (See also: <a href="http://www.wisebread.com/7-amazing-ways-to-pay-it-forward-for-under-10?ref=seealso" target="_blank">7 Amazing Ways to Pay It Forward for Under $10</a>)</p> <h3>6. Skills for Change</h3> <p><a href="http://skillsforchange.com/" target="_blank">SkillsforChange.com</a> calls itself a microvolunteering site, similar to microlending. Volunteers share which types of causes they care about and what skills they can offer, and the site matches them with organizations that need help.</p> <h3>7. Catchafire</h3> <p><a href="https://www.catchafire.org/" target="_blank">Catchafire.org</a> wants professionals to use their skills to make a difference. You can browse opportunities based on causes, needed skill sets, and time commitment, and then apply for opportunities.</p> <h2>Donating your stuff</h2> <p>While we all know that we can drop off unused clothes and household items at Goodwill or the Salvation Army, there are many more ways that our unwanted items can help others in need.</p> <h3>8. Union &amp; Fifth</h3> <p>Fashion conscious altruists can use their fashion for good with <a href="https://www.unionandfifth.com/" target="_blank">UnionandFifth.com</a>. Simply select which charity you would like to benefit, download a free shipping label, and clean out your closet. Union &amp; Fifth will sell your clothes and send 75% of the sale price to your chosen charity.</p> <h3>9. Dress for Success</h3> <p>Gently used business attire can help disadvantaged women to succeed at work through <a href="https://www.dressforsuccess.org/" target="_blank">DressforSuccess.org</a>. Find an affiliate location near you, and drop off your unneeded office wear.</p> <h3>10. Nike Reuse-a-Shoe</h3> <p>Worn out athletic shoes can be given a new life as part of tracks, playgrounds, outdoor courts, or other places to play through the <a href="http://www.nike.com/us/en_us/c/innovation/grind" target="_blank">Nike Reuse-a-Shoe program</a>.</p> <h3>11. Soles 4 Souls</h3> <p>This nonprofit program will distribute your gently worn shoes to people in need all over the world. You can find a local drop off location on <a href="https://soles4souls.org/" target="_blank">Soles4souls.org</a>, and you can also organize a shoe drive to increase your impact.</p> <h3>12. National Coalition Against Domestic Violence</h3> <p>If you don't know what to do with your old cellphone or other digital electronics, the <a href="http://ncadv.org/give-back/donate/donateaphone" target="_blank">NCADV has partnered with Cellular Recycler</a> to collect these items, and refurbish and sell them. The money from these sales goes to support the NCADV programming that helps to stop domestic violence.</p> <h3>13. Cellphones for Soldiers</h3> <p>If you have an old cellphone that is still functioning, donating it to <a href="https://www.cellphonesforsoldiers.com/" target="_blank">Cellphones for Soldiers</a> will allow a deployed service member the ability to call home.</p> <h3>14. The Make-A-Wish Foundation</h3> <p>This heroic charity works to grant the wishes of terminally ill children. To cover the travel for many of these wishes, <a href="http://wish.org/ways-to-help/giving/airline-miles#sm.0001ozbi7g1cu0dijrr57j3ftssj4" target="_blank">Make-A-Wish accepts donations of airline travel miles</a> from certain airlines. This can be a great way to make use of the miles you collect.</p> <h2>Online giving opportunities</h2> <p>Most of us tend to spend our days in front of the computer, so why not use that time to give back?</p> <h3>15. AmazonSmile</h3> <p>This is exactly like the Amazon store you already know, but when you sign on with <a href="https://smile.amazon.com/ref=nav_logo" target="_blank">AmazonSmile</a>, you are allowed to choose any one of over a million 501(c)(3) charitable organizations to benefit from your shopping. Each time you make a purchase, AmazonSmile gives 0.5% of the purchase price to your charity.</p> <h3>16. Free Rice</h3> <p>Rather than taking another '90s-themed quiz, why not take a break with <a href="http://freerice.com" target="_blank">FreeRice.com</a>? This site asks vocabulary, grammar, math, science, foreign language, history, geography, and SAT test prep questions. For each correct answer, the site donates 10 grains of rice through the World Food Programme.</p> <h3>17. The Greater Good</h3> <p>Believe it or not, just clicking on a button can help provide mammograms for underprivileged women, food for hungry people, meals for veterans, therapy for autistic children, research for Alzheimer's and diabetes, books for underprivileged children, and protection to the rain forest. The site the <a href="https://greatergood.com/" target="_blank">GreaterGood.com</a> offers clickable buttons for each of these issues, and your click will help to provide those services. It takes approximately 45,000 clicks to provide one service, and each user is limited to one click per day, but you can click each issue's button every day. Clicking here once a day can be a completely painless good deed.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fmake-the-world-better-with-these-17-free-ways-to-give-back&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FMake%2520the%2520World%2520Better%2520With%2520These%252017%2520Free%2520Ways%2520to%2520Give%2520Back.jpg&amp;description=Make%20the%20World%20Better%20With%20These%2017%20Free%20Ways%20to%20Give%20Back"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Make%20the%20World%20Better%20With%20These%2017%20Free%20Ways%20to%20Give%20Back.jpg" alt="Make the World Better With These 17 Free Ways to Give Back" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/make-the-world-better-with-these-17-free-ways-to-give-back">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-unexpected-benefits-of-volunteering">9 Unexpected Benefits of Volunteering</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/charitable-giving-give-in-order-to-receive">Charitable Giving: Give in Order to Receive</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/surprising-charitable-tax-deductions">Surprising Charitable Tax Deductions</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/16-ways-you-are-causing-road-rage">16 Ways You Are Causing Road Rage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Personal Development charitable giving charity community service give back helping the less fortunate volunteer volunteering Thu, 29 Jun 2017 08:30:16 +0000 Emily Guy Birken 1974219 at http://www.wisebread.com 7 Life Skills Your Kids Won't Learn in School http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-life-skills-your-kids-wont-learn-in-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_girl_glasses_483686789.jpg" alt="Girl learning life skills outside of school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>During my freshman year of college, there was a young man in my dorm whose mother would do his laundry for him whenever she came to visit. While this beleaguered mother did not plan on being her son's part-time laundry service, she was so horrified by the state of his unwashed clothes that she felt like she had to do his laundry for him. Considering the fact that she only visited a couple of times over the course of that academic year, I can sympathize with her horror, if not her actions.</p> <p>While I was a step or two above this young man in terms of laundry skills, I still made some errors that cost me on occasion &mdash; like the time I accidentally bleached holes right through a shirt, or when I shrunk wool sweaters. That's because knowing how to wash clothes is not a skill taught in school. It's one of many life skills that parents need to teach their kids to help prepare them for the adult world.</p> <p>Your kids need you to teach them the following life skills so that they are not caught by surprise once they reach adulthood &mdash; and you are never stuck laundering the clothes of a capable young adult.</p> <h2>1. Budgeting</h2> <p>It can feel very difficult to teach someone else how to budget if you struggle with money yourself. But you don't have to have a black belt in budgeting to be able to teach your children. Here are some steps you can take to help them master money.</p> <h3>Give them an allowance</h3> <p>Give your kids an allowance starting around age six. When your child wants something, ask if he or she has enough money to pay for it on their own. (See also: <a href="http://www.wisebread.com/the-easy-way-to-set-an-allowance-that-wont-ruin-your-kid?ref=seealso">The Easy Way to Set an Allowance That Won't Ruin Your Kid</a>)</p> <h3>Let them make mistakes</h3> <p>Allow your young kids to make financial mistakes while the stakes are still low. For instance, if your child spends all of their money on a toy when they'll be going to the carnival later, do not give them more money to spend at the carnival. Let your child recognize that once money is spent, it's gone.</p> <h2>2. How to fail</h2> <p>Failure is an important component of success, since no one achieves their goals without experiencing setbacks. Unfortunately, schools are set up so that failure is seen as a terrible outcome, and the way that failure is talked about in our society can make kids (and adults) believe that they need to avoid failure at all costs. This leads to kids and adults who give up when they feel frustrated and are afraid to take risks.</p> <p>To teach your kids how to fail, emphasize to them that there are lessons to be learned from failure. After your child experiences a setback or a failure, ask what they learned from it.</p> <h2>3. Etiquette</h2> <p>For many of us, etiquette may seem like an overemphasis on which fork to use, but teaching etiquette to kids starts with insisting on &quot;please&quot; and &quot;thank you&quot; as soon as they can get the words out, and <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids">teaching them not to interrupt</a> as their language skills develop. From there, make sure they know the basics of good manners:</p> <ul> <li>Making eye contact when talking or shaking hands with someone.</li> <li>Making guests feel comfortable.</li> <li>Handling introductions.</li> <li>Apologizing sincerely and accepting responsibility when you are wrong.</li> <li>Knowing how to politely phrase requests and respond to questions.</li> </ul> <h2>4. Time management</h2> <p>Many adults struggle with time management because they were never explicitly taught how to arrange their time and schedule. And though there is no one way to handle time management, there are some underlying principles you can teach your children to help them develop their own method of time management.</p> <h3>Daily routines</h3> <p>Routines can help kids understand when things are supposed to happen every day, which can give them the tools to create their own routines and have less unstructured time to manage.</p> <h3>How long an hour is</h3> <p>Use timers during chores and other tasks to teach this principle so your children learn how long various blocks of time are, which will make it easier for them to anticipate how long things will take.</p> <h3>Planning ahead</h3> <p>Creating a family calendar together can help your child see how planning can make events run more smoothly.</p> <h2>5. How to cook</h2> <p>When you don't have any cooking skills, then you are stuck spending more money than you need to on convenience foods and restaurant meals. Your kids need to be able to feed themselves when they are adults, which includes knowing how to buy and prepare basic meals.</p> <p>Have your kids help you in the kitchen, so that they learn these skills with your support. If you don't know how to cook, learning with your child is a great way to show them how to pick up a new skill as an adult. (See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a>)</p> <h2>6. Self-advocacy</h2> <p>When I taught high school English, I was always amazed by the number of parents who would call me to discuss their children's grades. While I could understand why parents were concerned, the student's grade was between the student and myself. Every time a parent tried to cut the student out of that conversation, the parent made it clear through their actions that they thought their child was not competent.</p> <p>Kids need to learn how to be their own advocates so they can handle conflicts with authority figures in adulthood. To teach your children this important skill, allow them to speak for themselves as early as possible. Start by letting them order their own meal at a restaurant.</p> <p>When your child does need to talk to a teacher, practice with them beforehand and don't succumb to the temptation to do it on their behalf.</p> <h2>7. Cleaning the house</h2> <p>The best way to teach your kids how to clean and maintain a home is to have them help you as you complete household chores.</p> <p>When your kids are very little, they want to help you, and you should let them, even though you could get it done more quickly by yourself. Explain what you are doing and why, so that your kids have a baseline understanding of how everything works within your home.</p> <p>As they grow, have them take over chores around the house &mdash; including doing their own laundry. Ahem.</p> <h2>Achieving adulthood, one skill at a time</h2> <p>Preparing your child for adulthood is no easy feat. But recognizing which skills your child will need can help you figure out the best way to introduce those skills. Not only will teaching your child these skills help her to feel confident, capable, and ready to take on the world, but it will also keep you from having to do their laundry in adulthood.</p> <p>That's a big win-win.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-life-skills-your-kids-wont-learn-in-school&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Life%2520Skills%2520Your%2520Kids%2520Won%2527t%2520Learn%2520in%2520School.jpg&amp;description=7%20Life%20Skills%20Your%20Kids%20Wont%20Learn%20in%20School"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Life%20Skills%20Your%20Kids%20Won%27t%20Learn%20in%20School.jpg" alt="7 Life Skills Your Kids Won't Learn in School" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/7-life-skills-your-kids-wont-learn-in-school">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/downsizing-with-kids">Downsizing With Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</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-financial-pitfalls-stay-at-home-parents-should-avoid">5 Financial Pitfalls Stay-at-Home Parents Should Avoid</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-sell-your-kids-stuff-at-a-consignment-sale">How to Sell Your Kid&#039;s Stuff at a Consignment Sale</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/five-tips-for-a-smooth-nanny-share">Five Tips for a Smooth Nanny Share</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle kids life lessons life skills reading school smart kids street smarts Wed, 28 Jun 2017 08:00:11 +0000 Emily Guy Birken 1973971 at http://www.wisebread.com The High Cost of Buying a Boat http://www.wisebread.com/the-high-cost-of-buying-a-boat <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-high-cost-of-buying-a-boat" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_new_boat_529666414.jpg" alt="Man learning the high cost of buying a boat" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;It's like glass, honey,&quot; my dad would whisper to my mom. &quot;That water. Like glass.&quot;</p> <p>My mom and dad, both avid water skiers and all-around fun folks, got lots of worth out of the beat-up old ski boats my dad managed to buy. We spent summers on the lakes and rivers. In between camping and skiing, Dad did the boat repairs himself and cursed the cost of engine parts. Owning a boat is fun, but is it worth the time and cost of upkeep? Calculate the price in full before you buy.</p> <h2>The initial purchase cost</h2> <p>Buying a used boat is the most cost-effective way to become a boat owner. Purchasing a brand-new boat is like <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car?ref=internal" target="_blank">purchasing a brand-new car</a>; you'll pay a huge premium for that brand-new label, and it'll depreciate after you buy it. According to Boatshed's Market Report 2016, those sleek and speedy <a href="http://www.boatshed.com/market-report-2016-blog-32532.html" target="_blank">power boats depreciate the most</a>, but all new boats drop in value dramatically in the first three years of ownership.</p> <p>If you buy a used boat from a dealer, you may get a warranty of some kind. Or you may not. If a warranty is included, get specific information on what it covers.</p> <p>There are no guarantees when you buy from an individual. Ask to see a maintenance log and receipts for parts or repairs. Don't expect a guarantee on a boat's continued performance. Once you buy, that boat is yours to take care of, for better or for worse.</p> <h2>Boat repairs</h2> <p>If you're mechanically inclined, you can do some repairs and maintenance on the boat yourself. My dad spent his high school summers working at a marina; he handled basic stuff. If your boat needs major repairs, you'll need a pro.</p> <p>Expect to pay from $65 to $115 per hour for work by a certified marine mechanic. Replacement parts can be pricey, too. A new water pump, for example, can cost anywhere from $100 to over $1,000, depending on the size and style you need.</p> <p>Even if your boat is in great shape, mechanical failures are probable at some point. It's a machine, which makes wear and tear inevitable. Other common repairs needed on a boat include cracks in the deck, saturated foam (causing the boat to sit unevenly), rot, and joint separation. Cosmetic repairs, such as replacing upholstery or repainting the hull, can be delayed. But others, such as cracking or leaks, must be dealt with immediately. Otherwise, your boat will incur more damage, lowering its value and adding to repair costs.</p> <h2>Seasonal maintenance</h2> <p>Don't forget to factor in the cost of seasonal maintenance work when estimating a budget for boat ownership.</p> <h3>Engine winterization</h3> <p>For boats that will be stored for winter, or for any extended period of time, engine winterization is important to prevent damage. You can do the work yourself (use this <a href="http://www.boatus.com/boattech/casey/winterizing-your-engine.asp" target="_blank">helpful winterization checklist</a>) or pay a shop. Average cost depends on the size of your boat.</p> <h3>Hull cleaning</h3> <p>Larger boats that stay in the water need their hulls cleaned periodically. Hull cleaning prevents damage and increases fuel efficiency. Professional boat services either have divers go under and clean while the boat is in the water, or, if repainting is also needed, have the entire boat lifted out of the water to do the work. Rates vary widely based on location, size of the boat, and how long it's been since the last hull cleaning.</p> <h3>Cabin cleaning</h3> <p>You can do cabin cleaning yourself, or hire a professional to do the job. Regular cabin cleaning is important in order to find, repair, and prevent permanent damage, such as corrosion or rust.</p> <h2>Regular maintenance</h2> <p>Some other maintenance items include greasing the rudder box, checking belts and hoses, checking engine alignment, and replacing brake fluid.</p> <h2>Insurance, registration, and other fees</h2> <p>The cost of registration and licensing fees varies from <a href="http://www.americasboatingcourse.com/lawsbystate.cfm" target="_blank">state to state</a>. If you're going to travel between countries, you will need to get an International Certificate of Competence. Insurance is optional in most states, but you might want to have it anyway. You'll pay a boat sales and <a href="http://www.boatus.com/gov/states/default.asp" target="_blank">use tax in most states</a>, as well.</p> <p>You'll need to pay lock fees to use canals and move from one body of water to another. You may also be required to pay for port fees and customs at various points of entry.</p> <h2>Necessary boat gear</h2> <p>Life jackets are a requirement on any boat, under any circumstances. <a href="http://www.uscgboating.org/recreational-boaters/life-jacket-wear-wearing-your-life-jacket.php" target="_blank">U.S. Coast Guard regulations</a> require one life jacket for every person on board. Other gear you'll want depends on what you want to do on your boat: fishing poles, tackle and bait, or skis, ski ropes, and tubes. Of course, you need to stock essential safety and health supplies such as a <a href="http://www.wisebread.com/the-5-best-first-aid-kits">first aid kit</a>, sun protection, and drinking water.</p> <h2>Docking and storage</h2> <p>If you want to dock your boat in a protected place, and you don't own a spot yourself, you'll need to pay a slip fee. A slip fee is typically calculated per foot of boat: so, for a 30-foot boat, you might pay $3 to $5 per foot, per day, to dock your boat at a marina. Marinas often have weekly, monthly, and annual rates, as well. Expect to pay more for a covered and protected slip, and pay for additional services like trailer storage or use of a boat lift or boat cover.</p> <p>Our old ski boat lived in our backyard, covered in a tarp during winter. In the mild Mississippi winters, that was an acceptable storage solution. But in more extreme environments &mdash; or for boats with a slightly higher investment point &mdash; you'll want covered, protected storage from the elements. Maybe you have a place for your boat, such as an enclosed garage or barn. In that case, you'll save the cost of paying for storage. But you will need to have a way to get your boat from the water to your garage.</p> <h2>Trailer and transportation costs</h2> <p>If you don't own a boat trailer, you'll need to buy or rent one in order to move your boat from a body of water to any other location. Boat trailers need to be licensed and registered, and you'll pay personal property taxes on a trailer as well as on the boat. Fees vary from state to state.</p> <p>Renting a boat trailer can be a better solution if you don't need to move your boat often. Trailer rentals run from about $50 a day (for a 20-foot trailer) to around $150 per day (for a triple axle trailer that can haul up to a 33-foot boat). Bigger boats, of course, require a bigger trailer and a vehicle that is powerful enough to tow it.</p> <p>Whether your boating dream is a yacht or a fishing boat, consider the costs carefully before you invest. It's one thing to relax on a boat. It's quite another to pay for it.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-high-cost-of-buying-a-boat&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520High%2520Cost%2520of%2520Buying%2520a%2520Boat.jpg&amp;description=The%20High%20Cost%20of%20Buying%20a%20Boat"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20High%20Cost%20of%20Buying%20a%20Boat.jpg" alt="The High Cost of Buying a Boat" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/the-high-cost-of-buying-a-boat">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</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/alternatives-to-drunk-driving">Alternatives to drunk driving</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/hostels-vs-hotels-choosing-the-perfect-place-to-stay-within-your-budget">Hostels vs Hotels: Choosing the Perfect Place to Stay Within 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/10-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/go-golf-cart-go-the-battery-powered-solution">Go Golf Cart Go: The Battery-Powered Solution?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Lifestyle boat boat maintenance buying a boat high cost investment money pit money suck Mon, 26 Jun 2017 08:30:18 +0000 Annie Mueller 1971791 at http://www.wisebread.com