Entertainment http://www.wisebread.com/taxonomy/term/5995/all en-US 8 Clever Ways People Are Making Money From Pokémon GO http://www.wisebread.com/8-clever-ways-people-are-making-money-from-pok-mon-go <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-clever-ways-people-are-making-money-from-pok-mon-go" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_playing_pokemon_go_99165129.jpg" alt="Man finding ways to make money from pokemon go" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Pokémon GO is more than the latest gaming craze &mdash; it's an economic boon. Not only did the free-to-play augmented reality game <a href="http://www.theverge.com/2016/7/25/12269466/nintendo-stock-plunge-pokemon-go">briefly doubled</a>&nbsp;Nintendo's stock value by <a href="http://money.cnn.com/2016/07/22/technology/pokemon-go-apple-download-records/">shattering the record</a> for the most first-week downloads in mobile app history, it's also inspiring a new economy of Pokémon-related goods and services pioneered by the enterprising everyman.</p> <p>Even kids are cashing in on Pokemania. Read on for our roundup of all the clever ways people are capitalizing on the success of the game that brings blushing yellow avatars, stardust, and healing potions to America's neighborhoods.</p> <h2>1. Selling Handmade Reflective Badges</h2> <p>Athen Salcedo is a concerned American &mdash; and, no, it's not the upcoming presidential election that's got him troubled. After&nbsp;hearing news of so many <a href="https://www.washingtonpost.com/news/the-switch/wp/2016/07/08/pokemon-gos-unexpected-side-effect-injuries/">Pokémon GO players getting injured</a> while playing the game in the dark, the seven-year-old entrepreneur had an idea: What if there was a reflector badge that Pokémon GO players could pin to their clothing to make themselves more visible while dashing through neighborhoods at night?</p> <p>Introducing the <a href="https://www.etsy.com/shop/PokeGlo?ref=l2-shopheader-name">Poke Glo</a>: A reflective safety badge that game players can wear to stay safe while chasing Pokémon after sunset. In less than two weeks, Salcedo has made 139 sales of the homemade badges, which range in price from 50 cents to less than five bucks. Currently, he's sold out. But rest assured, Salcedo says he is hard at work making new Poke Glo badges, which he promises to stock in his Etsy store soon.</p> <h2>2. Offering Rideshare Services With a Pokémon Twist</h2> <p>Some Pokémon GO players are avid gamers unaccustomed to spending so much time off the couch. To be sure, the chase for Pokémon can be exhausting. That's why entrepreneurial-minded folks are launching &quot;<a href="https://kalamazoo.craigslist.org/trv/5685367204.html">Uber for Pokémon</a>.&quot; Capitalizing on the success of ride-sharing services Uber and Lyft, these businessmen and women offer to drive Pokémon GO players from PokeStop to PokeStop, allowing gamers to play without ever having to exert themselves.</p> <p>Another benefit: By handing over the driver's seat to a well-intentioned stranger, Pokémon-chasers can play the game seamlessly without having to put the phone down in order to keep their eyes on the road. In Kalamazoo, for example, a Pokémon rideshare service provider named Pat is offering to cart game players around for $1 per mile, plus $1.50 per PokeStop. Not a bad deal for game players who are averse to breaking a sweat.</p> <h2>3. Dropping Lures</h2> <p>Pokémon GO is helping small business owners lure in traffic &mdash; literally. Some businesses, especially those that rely on foot traffic, are seeing big boosts in business because, by luck of the draw, their location has been designated by game makers as a PokeStop or Gym. This means that Pokémon GO players are flocking to their address in order to capture Pokémon and other rewards.</p> <p>But owners of businesses located in the vicinity of these GPS hot spots can also make money off the game by investing in something called Lures. In short, Lures are a game component that boost the rate of Pokémon generation for up to 30 minutes near the PokeStop where they're placed. Lures, which can be purchased in the app for a little more than a dollar, are being used to <a href="http://www.inc.com/walter-chen/pok-mon-go-is-driving-insane-amounts-of-sales-at-small-local-businesses-here-s-h.html">bring in big crowds</a> to local businesses, as well as garage sales and front yard produce stands.</p> <p>At least one pizzeria owner is using this method to reap big benefits: &quot;I own a pizzeria that's a PokeStop and I literally did this all day,&quot; the business owner wrote on Reddit. &quot;I had a ton of kids and adults (mostly adults) come in for a slice of pizza and a drink until the lure ran out.&quot;</p> <h2>4. Opening PokeStop Lemonade Stands</h2> <p>It's summertime, and in most pockets of the nation that means the weather is hot and steamy. Translation: Game players chasing after Pokémon are going to get parched. That's where enterprising, young Americans are coming in, equipped with a tip jar and a pitcher of fresh-squeezed lemonade. That's right, putting a new twist on the old fashioned lemonade stand, business-minded folks across the U.S. are setting up snack and refreshment stations near PokeStops, simultaneously making a buck while quenching the thirst and appetites of hungry Pokémon hunters.</p> <h2>5. Selling Mobile Battery Chargers</h2> <p>At least one Etsy shop owner is helping Pokémon GO players keep their mobile devices juiced up with an <a href="https://www.etsy.com/listing/466681155/hand-made-pokeball-themed-battery-pack?source=aw&amp;awc=6220_1469036537_9b7c0bda7ec3eb1f0b2b109196fb23c6&amp;utm_source=affiliate_window&amp;utm_medium=affiliate&amp;utm_campaign=us_location_buyer&amp;utm_content=78888">on-the-go battery pack</a> craftily disguised as a Pokeball. Though bulky, the $40, thematically on-point device vows to extend your battery life by two full charges.</p> <h2>6. Mastering the Game &mdash; And Then Selling the Account</h2> <p>Since the existence of rules, there have been rule-breakers &mdash; and the Pokémon GO phenomenon is no exception. Though selling your Pokémon GO account to other players is strictly prohibited by the game's terms of service, there are countless people out there doing it. For $100, you could purchase a New York City-based <a href="http://newyork.craigslist.org/wch/vgm/5689385979.html">level 15 account</a>. On eBay, there are advanced level accounts for sale at prices as low as $5 and as much as $1,500. What's a level 10 account worth to you?</p> <h2>7. Coaching Gamers to Be Better Players</h2> <p>Some people play games for the sheer fun of it. Others play to win. And it's the latter that have given breed to a new wave of Pokémon trainers, many of whom are advertising their services on Craigslist for $20 to $30 an hour.</p> <h2>8. Writing Tell-All Guides</h2> <p>Author Doug Morrow's step-by-step guide to becoming a master Pokémon GO player is available on Kindle. And for $2.99, it can be yours. <a href="http://amzn.to/2aG1f2u">Mastering Pokémon Go: An Unofficial Guide to Catching Them All</a>, is Morrow's unofficial cheat sheet, full of instructions for throwing a curveball and tips on how to find the best Pokémon.</p> <p><em>Has Pokemania struck your household? Figured out a way to cash in?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/8-clever-ways-people-are-making-money-from-pok-mon-go">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/effective-ebay-listing-0">Effective eBay Listing</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-surprising-sources-of-celeb-income">6 Surprising Sources of Celeb Income</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well">11 Freelance Jobs That Pay Surprisingly Well</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/can-you-really-make-money-by-starting-a-blog">Can You Really Make Money by Starting a Blog?</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/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Entrepreneurship Extra Income apps lures making money Nintendo pokemon go pokestops small businesses trends video games Tue, 26 Jul 2016 09:00:11 +0000 Brittany Lyte 1759363 at http://www.wisebread.com 8 Common Weekend Money Traps (And How to Avoid Them) http://www.wisebread.com/8-common-weekend-money-traps-and-how-to-avoid-them <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-common-weekend-money-traps-and-how-to-avoid-them" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_69330627_MEDIUM.jpg" alt="don&#039;t get sucked into these weekend money traps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Even though weekends are only a small portion of the week, it seems like I spend a lot more money on those two days than I do on the other five days. Why? I think having unstructured time and wanting to do things with my family makes it easy to go off the rails of my budget. (See also: <a href="http://www.wisebread.com/40-cheap-or-free-ways-to-make-the-most-of-the-weekend?ref=seealso">40+ Cheap or Free Ways to Make the Most of the Weekend</a>)</p> <p>Here are some of the worst weekend money traps &mdash; and how to avoid them.</p> <h2>1. The Movie Theater</h2> <p>Even if there is nothing great to watch, people like going to the movies to have something to do for a few hours. This can be especially tempting if you have lots of time on your hands and your family is bored. But the cost of movie tickets plus popcorn and other expensive snacks will quickly deplete the funds you work so hard during the week to earn.</p> <p><strong>How to avoid:</strong> Watch a movie at home via streaming or rent from Redbox instead of going to the movie theater.</p> <h2>2. The Car Lot</h2> <p>A weekend activity that seems like free entertainment is going to the car lot just to look. The problem is, looking is how the car buying cycle starts. You see newer, nicer cars than the car you have with cool new features and this gets you to start thinking about upgrading. You could even get talked into taking a test drive with a skilled salesperson and end up buying a car that you weren't planning to buy, resulting in thousands of dollars of unplanned spending.</p> <p><strong>How to avoid:</strong> Wait until you are ready to buy a car and set a budget to go car shopping. And instead of looking at cars, spend some time working on the car you already have. Wash it, vacuum it, check the air pressure in the tires, check the fluid levels, and even change the oil and oil filter if you are mechanically inclined.</p> <h2>3. The Mall</h2> <p>I fell into this weekend money trap last weekend. I wanted to take the family for a walk in the mall since it was hot and humid outside. By the time we headed home, I was carrying a bag filled with video games that erased most of the money I earned working on Friday.</p> <p><strong>How to avoid:</strong> Go grocery shopping instead of shopping at a mall or sporting goods store. You can have a shopping experience, but you will be buying things you need. Plus, having a fresh supply of groceries to kick off the weekend can help you avoid another money trap &mdash; dining out.</p> <h2>4. Restaurants</h2> <p>With all of the free time that people have on weekends, there are many opportunities to go out to eat. It's easy to spend $10 per person for breakfast or lunch, or $15 per person for dinner. You could easily buy enough groceries to last all weekend and then some for the cost of going out to eat just once.</p> <p><strong>How to avoid:</strong> Have a plan for what meals you will make at home Saturday and Sunday, and try not to be out and about at mealtime, or on an empty stomach.</p> <h2>5. Open Houses</h2> <p>Another example of a weekend activity that seems like free entertainment is to go look at houses for sale. Chances are, you won't be inspired to run out and buy a house. But you might get ideas for upgrades and expensive projects for your current house that you didn't even know you needed until you checked out new house.</p> <p><strong>How to avoid:</strong> Don't go house shopping unless you need to move.</p> <h2>6. The Furniture Store</h2> <p>Furniture stores make it so easy to buy furniture. If you don't have money or credit, this is not a problem &mdash; you can get store credit on the spot. If the furniture won't fit in your vehicle, you can get free delivery. If you don't like the color of the floor model, you can order whatever color you like. Also, it seems like the furniture store is always having some sort of major sale to make you feel like you should buy now to get the best price. But do you really want to spend a month's salary on a new couch?</p> <p><strong>How to avoid:</strong> If you need furniture, check out used furniture at a consignment shop, thrift shop, and Craigslist instead of looking at new furniture. Used furniture can cost 90% less than new furniture.</p> <h2>7. Big Ticket Events</h2> <p>Every few years, my wife gets me tickets to go to a college football game. It's incredible how expensive it is to go to a big event like this! The tickets are expensive. The food and refreshments are expensive. Even getting to the stadium is expensive &mdash; you can pay to park near the stadium, or you can park for free and pay for transportation from the parking area to the stadium. And there are lots of opportunities to buy jerseys, posters, footballs, and other souvenirs. In addition to college or professional sports, other expensive weekend events include rock concerts and theater productions.</p> <p><strong>How to avoid:</strong> I try to go to big events only a few times a year, at the most. It's a lot cheaper to catch the big game or other events on TV at home, and you get a better view of the action as well.</p> <h2>8. The Weekend Roadtrip</h2> <p>Taking a road trip can be an expensive way to spend the weekend. It costs about $5 per hour to cruise down the highway in a car, just for gas. The cost of gas and wear and tear on your vehicle is often just the beginning. You'll likely eat most or all of your meals at gas station convenience stores or fast food places while you are on the road, taking a toll on both your bank account and your waistline. If you are on an overnight trip, a hotel stay can easily cost $75 or more.</p> <p><strong>How to avoid:</strong> Take a fuel efficient vehicle, bring food from home with you, and stay with friends or family instead of staying at a hotel to reduce the cost of taking a road trip.</p> <p><em>What are your weekend money traps? How do you avoid them? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/8-common-weekend-money-traps-and-how-to-avoid-them">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</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-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment activities budgeting entertainment money traps saving money weekend fun weekend plans Fri, 22 Jul 2016 10:30:07 +0000 Dr Penny Pincher 1756948 at http://www.wisebread.com 15 Ways to Save Money When Getting Your Drink On http://www.wisebread.com/15-ways-to-save-money-when-getting-your-drink-on <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-ways-to-save-money-when-getting-your-drink-on" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87464673_MEDIUM.jpg" alt="saving money at the bar" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Going to the bar can be a fun pastime with your friends and significant other, or a great place to find your next date. However, the costs of going to the bar can add up quickly, which is why we've provided some simple tips to help you save money on a night of bar hopping.</p> <h2>1. Order Simple Drinks</h2> <p>The bar business brings in roughly <a href="http://www.ibisworld.com/industry/default.aspx?indid=1685">$24 billion in revenue every year</a>, so the cost of drinks at the bar can really add up over time. As a general rule, the more complicated your drink is, the more expensive it will be.</p> <p>Ordering complicated drinks on a busy night is never a good idea. When the bartender is busy, they won't have the time (or patience) to make your mixed drink properly. This means that your expensive drink won't taste as good and may even contain less alcohol. In this case, you won't get a good deal and instead should stick with something simple like a rum and coke. If the bartender knows that you're going to order a complicated drink on your second round, they may not be as likely to help you promptly.</p> <h2>2. Choose Beer on Tap or House Liquor</h2> <p>Beer on tap is cheaper than imported beer. Likewise, if you want hard liquor, house liquor will be your most affordable option. If you prefer the more expensive stuff, consider choosing the cheaper stuff later in the night. Once you've had a couple of drinks and are feeling the effects, you probably won't appreciate the expensive stuff anyways.</p> <h2>3. Buy Pitchers of Beer Instead of Shots</h2> <p>Buying shots for everyone can be fun, but your hard-earned money will be gone with just one gulp. Purchasing a pitcher of beer for the table will make you look like a hero and will go a lot further than one shot or one glass of beer per person. According to US News, cocktails and wine can be <a href="http://money.usnews.com/money/blogs/my-money/2014/07/23/11-ways-to-save-money-at-the-bar">twice as expensive as beer</a>, so it's better to stick with beer at the bar and wine and cocktails at home.</p> <h2>4. Don't Pay a Cover</h2> <p>Paying a cover charge will just needlessly increase the overall price of the night. It's best to just avoid bars with a cover charge, so you can spend that money on drinks instead.</p> <h2>5. Pay With Cash</h2> <p>People paying with a credit card tend to leave the tab open, and this can quickly make them lose focus on how much they're spending. Instead, use cash so that you are on top of what you're spending all night. You can even set a budget beforehand and bring only that amount of cash with you to help curtail your drinking and spending.</p> <h2>6. Slow Your Roll</h2> <p>Try to drink slowly, so you can drink less. Take smaller sips, have a conversation while you're drinking, or drink more water so that you drink less overall throughout the night.</p> <h2>7. Drink Water in Between</h2> <p>A good way to save money, and ensure that you don't get too drunk too quickly, is to drink ice water in between every alcoholic drink. Liquor can also be very dehydrating, which is one of the causes of a hangover the next morning. By drinking ice water or mineral water between drinks, you also help ensure that you don't feel as bad the next day.</p> <h2>8. Find a Fun Bar</h2> <p>Find a fun bar in your area that offers more than just food and drinks. By choosing a bar that offers something like dancing or trivia, you can take advantage of other fun activities, rather than just devoting the whole night to drinking (and spending money).</p> <h2>9. Pre-Game</h2> <p>Pre-gaming and drinking at home with friends before going out is another great way to save money once you make it to the bar. You also get to hang out with friends beforehand and can even get ready together while enjoying drinks on the cheap at home.</p> <h2>10. Take Advantage of Deals</h2> <p>Many bars offer deals during the week on food and drinks. You can also check sites like Groupon, Living Social, and Yelp Deals to find discounts on food and drinks near you.</p> <h2>11. Go to Happy Hour</h2> <p>A cocktail at the bar can cost anywhere from $10-$15, which can really add up. Happy hour offers the best deals on food and drinks at the bar. Depending on the establishment, happy hour can go into pretty late hours. Some bars even offer late night or early morning happy hours on weekdays. Do a quick online search to see if any bars offer late night specials in your city or town.</p> <h2>12. Eat a Light Meal Beforehand</h2> <p>Eating before you get to the bar might prevent you from paying for food at the bar. On the other hand, you shouldn't eat too much or it will require you to drink more in order to feel the effects of the alcohol, so make sure just to eat something light.</p> <h2>13. Check the Prices</h2> <p>If you're already planning on eating at the bar, then take a look at their menu online. This will allow you to get a better idea of the prices on their food and drinks, so you can have a plan ahead of time. Consider also splitting appetizers with the group, rather than everyone ordering their own meals, which will be more expensive.</p> <h2>14. Go to a Tasting</h2> <p>Many bars offer tastings of beer, wine, or hard liquor like tequila. This will allow you to try and compare different liquors. It's also a fun event and will save you money.</p> <h2>15. Have a Designated Driver</h2> <p>Spending money on a cab or Uber can increase what you spend on your night out. Instead, consider having a designated driver, which can save money and provide a safe solution at the end of the night. If possible, you can also consider taking public transportation home.</p> <h3>How Much Do You Spend?</h3> <p>When you consider that the top 10% of drinkers in America drink an average of <a href="https://www.washingtonpost.com/news/wonk/wp/2014/09/25/think-you-drink-a-lot-this-chart-will-tell-you/">74 drinks per week</a>, you can see how important it is to find ways to save money at the bar. You can also use an <a href="http://rethinkingdrinking.niaaa.nih.gov/tools/Calculators/alcohol-spending-calculator.aspx">Alcohol Spending Calculator</a> to get a better idea of exactly how much you're spending on alcohol per week, month, and year. (See also: <a href="http://www.wisebread.com/save-a-surprising-amount-by-quitting-these-4-bad-habits?ref=seealso">Save a Surprising Amount by Quitting These 4 Bad Habits</a>)</p> <p><em>Do you have other tips for saving money at the bar? Please share your thoughts in the comments!</em></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/15-ways-to-save-money-when-getting-your-drink-on">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/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-frugal-new-twists-on-classic-lemonade">12 Frugal New Twists on Classic Lemonade</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</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/my-2016-budget-challenge-finding-food">My 2016 Budget Challenge: Finding Food</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment Food and Drink adult beverage bar hopping bar night bars drinking drinks happy hour saving money Thu, 21 Jul 2016 10:30:09 +0000 Andrea Cannon 1756333 at http://www.wisebread.com 8 Reasons Frugal Families Love Boardgame Night http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-reasons-frugal-families-love-boardgame-night" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_17015005_MEDIUM.jpg" alt="frugal families love board games" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>My siblings and I spent our childhood playing popular, mainstream board games. <a href="http://amzn.to/29V2gS0">Monopoly</a>, <a href="http://amzn.to/2auGmXZ">The Game of Life</a>, <a href="http://amzn.to/2auI4bu">Clue</a>, <a href="http://amzn.to/2auHwm6">Chinese Checkers</a>, and <a href="http://amzn.to/2auHrPy">Pictionary</a> granted us hours of family fun, interrupted occasionally by a temper tantrum. Monopoly, as many people know, can be dull and brutal.</p> <p>Playing board games died off in my high school years. Once I hit college, I was introduced to a wider variety of games &mdash; and the spark was rekindled. Instead of vegging in front of the TV or spending money to go see a movie, we began to sit down to play board games once again. Here are eight reasons why you should pick up boardgaming as a family activity, too.</p> <h2>1. So Many Game Options</h2> <p>Dozens of new games are introduced every year by major board game companies and individuals through Kickstarter campaigns. You don't need, nor should you, limit your family to the games you can find on Walmart's shelves.</p> <p>A local game store, or Amazon, will all have a broader collection of board games that range anywhere from $5-$100. This large collection of potential games will increase the chance of finding a game your family will love at the right price range.</p> <h2>2. Game Guidance From the Pros</h2> <p>Don't be intimidated by a new game. No one expects you to fork over the money for a game without a little guidance on how to play. There are a number of YouTube channels dedicated to reviewing and recommending games to help individuals find good games.</p> <p>Frugal families might want to check out any of these YouTube shows to watch reviews of games before purchasing the game:</p> <ul> <li><a href="https://www.youtube.com/watch?v=X9QtdiRJYro&amp;list=PL0Y9n5uBJuXxjSe6lJEHRZICCHym3e-aS">TableTop</a> with Wil Wheaton</li> <li><a href="https://www.youtube.com/user/WatchItPlayed">Watch It Played</a></li> <li><a href="https://www.youtube.com/user/thedicetower">The Dice Tower</a></li> <li><a href="https://www.youtube.com/user/MoonratMedia/videos">Board With Life</a></li> </ul> <h2>3. Access to Simple and Clear Game Rules</h2> <p>Board games can be complicated. I have a game that has around 30 pages of rules. Even as an experienced gamer, I find that a tad intimidating. There are a variety of different interactive and visual means to help families deal with learning these complicated rules for more enjoyable game play.</p> <ul> <li>Check out free board game rules introduction videos (as mentioned above) and game playthroughs on YouTube.</li> <li>Search the Android or iTunes app store for free or cheap digital versions of the game. Ascension and Coup are both complicated games that have free app versions that provide interactive walkthroughs.</li> <li>Look for free game aids that can help you understand the rules, set the game's difficulty level, and randomize board setup. Settlers of Catan, Legendary, and Battlestar Galactica: The Board Game all have free player aids.</li> </ul> <h2>4. You Can Shop Bigger, for Lower Prices</h2> <p>Support your local TableTop store when you can, but don't feel bad if you occasionally need to turn to bigger retailers like Toys 'R Us, Target, Amazon, or Walmart for lower prices. Even better, if you find a game at a store you can't in good conscious shop from, you can utilize price matching to get that lower price on either an in-store or online purchase.</p> <h2>5. Try Board Game Rental Services</h2> <p>An alternative option to creating your own version of popular games is to rent board games rather than buy them. This has the bonus of being fairly cheap, allows you to explore different types of games, and allows you to play games that might be out of your price range.</p> <p>You can either rent games by seeing if your local board game store has a rental service, or checking out an online board game rental store. In rare cases, you might even find that your local library has added board games to their rental collection.</p> <h2>6. DIY Board Games</h2> <p>Not ready to spend $60 for a game? Here's a bit of good news: With a little creativity and work, you can easily create <a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">DIY board games to save money</a>.</p> <p>Don't stop there though. There are a number of fun games you can easily DIY.</p> <ul> <li><a href="https://www.youtube.com/watch?v=t8-XTMbszPk">Telestrations</a> &mdash; A mix of telephone and Pictionary, requires you to cut out 30+ medium-sized pieces of paper and give everyone a pen.</li> <li><a href="https://www.youtube.com/watch?v=i0hX47QFtGI">Superfight</a> &mdash; A game where you present a case over which person, object, or animal in a match-up would win. It only requires you to cut out card-sized pieces of paper. On 1/3 of the pieces of paper, you will write any sentient object, person, or creature. On the rest of the cards, in a different color pen or a different color paper, you'll write an object, personality trait, or physical trait.</li> </ul> <h2>7. Fan-Made DIY Board Games</h2> <p>There are tons of dedicated fans that have already done all the hard work of creating original fan games or expansions of already-made board games. All you need to do is download the PDF versions of their work and print it off at home.</p> <p>Here are a few free fan-made versions of board games:</p> <ul> <li><a href="https://boardgamegeek.com/thread/1416104/printer-studio-ready-templates">Legendary: A Star Wars Deckbuilding Game</a></li> <li><a href="http://bangcardgame.blogspot.com/p/bang-custom-expansions.html">Bang!</a></li> <li><a href="http://enter-there.com/">Game of Thrones: The Board Game</a></li> </ul> <h2>8. Choose Games With High Replay Value</h2> <p>Board games can be expensive. Games tend to run anywhere from $10-$60. Yes, a $60 game might be expensive, but you can make that price worth it by carefully choosing games that grant high replay value. These are games that often come with extra boards, scenarios, or cards that offer a slightly fresh gaming experience each time you play. These are also games where it isn't easy for players to pinpoint a set strategy to win.</p> <p>Here are a few games with high replay value:</p> <ul> <li>Legendary: A Marvel Deck Building Game</li> <li>Betrayal at the House on the Hill</li> <li>Robo Rally</li> <li>Cosmic Encounter</li> </ul> <p>If you need a new pastime, board games can be a fun, cost-effective activity that offer hours of family fun. Between the vast number of games and the rapidly growing TableTop community &mdash; on and off-line &mdash; now is the time to adopt board gaming as a new family pastime.</p> <p><em>Do you have family game nights? Which board games do you play? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</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-save-money-on-kids-activities">How to Save Money on Kids&#039; Activities</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-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</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/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</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/beat-stress-with-these-28-inexpensive-pastimes">Beat Stress With These 28 Inexpensive Pastimes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment Family board game board games entertainment family time fun things to do game night games kids quality time things to do on the weekend Thu, 21 Jul 2016 09:30:27 +0000 Samantha Stauf 1756345 at http://www.wisebread.com 6 Celebrities With Shockingly Low Net Worths http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-celebrities-with-shockingly-low-net-worths" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_39050928_LARGE.jpg" alt="Mike Tyson has low net worth" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Being rich and famous isn't all it's cracked up to be. Just ask the famous people who made it big, and then squandered their riches to earn the dubious distinction of being celebs who have struggled financially. (See also: <a href="http://www.wisebread.com/the-5-most-money-savvy-rap-stars?ref=seealso">The 5 Most Money-Savvy Rap Stars</a>)</p> <h2>1. Mike Tyson</h2> <p>The former heavyweight champion of the world (and sometimes ear biter) was once <a href="http://www.celebritynetworth.com/richest-athletes/richest-boxers/mike-tyson-net-worth/">worth about $300 million</a> at the height of his career, according to Celebrity Networth. A series of unfortunate events beginning in the late 1980s &mdash; including a divorce from actress Robin Givens, giving his longtime trainer Kevin Rooney the boot, and going to prison for an alleged rape &mdash; contributed to his fortune's decline, which today is estimated at around $3 million.</p> <h2>2. Lindsay Lohan</h2> <p>Lindsay Lohan's career took off after <em>Mean Girls</em> debuted in 2004, but it wasn't long after that personal and professional troubles began to chip away at her budding bank account. Her hard-partying ways and unreliable reputation led to a decline in mainstream acting roles. In 2012, the IRS had seized control of the scarlet-haired star's funds to pay off over <a href="http://www.celebritynetworth.com/richest-celebrities/actors/lindsay-lohan-net-worth/">$200,000 in back taxes</a>. In 2013, Lohan did a series of interviews for Oprah that reportedly netted her a cool $2 million, but most of the money was earmarked for taxes, rehab fees, and further IRS debts, leaving her with a paltry $500,000 today.</p> <h2>3. Chris Tucker</h2> <p>Talk about money mismanagement. Chris Tucker, who everybody knows as Jackie Chan's high-pitched, fast-talking sidekick in the <em>Rush Hour</em> movies, was paid $20 million for the first sequel in that series, and then negotiated a $40 million two-movie contract with New Line Cinema. But despite such robust paydays, Tucker is currently $11.5 million in the negative as a result of foreclosed homes and several years of back taxes, according to The Motley Fool. The still-viable actor hopes to get out of the red in another <em>Friday</em> sequel alongside Ice Cube soon.</p> <h2>4. Teresa Giudice</h2> <p>If you're a fan of guilty-pleasure reality TV, then you might know table-flipping Teresa Giudice from Bravo's <em>The Real Housewives of New Jersey</em> (<em>RHONJ</em>). The recently released jailbird, who enjoyed a lavish lifestyle with her husband Joe Giudice and their four children, filed for bankruptcy in 2011, claiming to be more than <a href="http://www.bustle.com/articles/89126-what-is-teresa-giudices-net-worth-the-real-housewives-of-new-jersey-star-has-gone-through">$11 million in debt</a>. In 2013, the couple was indicted on 39 counts of conspiracy to commit mail fraud, bank fraud, wire fraud, bankruptcy fraud, and making false statements on loan applications. Teresa returned for the seventh season of <em>RHONJ</em> following her release from prison.</p> <h2>5. Pamela Anderson</h2> <p>While $5 million isn't anything to balk at, you'd think that <a href="http://www.therichest.com/celebnetworth/celeb/actress/pamela-anderson-net-worth/">Pamela Anderson</a>, one of the most popular Playboy Playmates to ever grace the publication's pages, would have stashed away a heftier rainy-day fund. Even today, the former <em>Baywatch</em> star is still considered a pop-culture icon.</p> <h2>6. Gary Busey</h2> <p>Eccentric actor Gary Busey, known for films like <em>The Buddy Holly Story</em> and <em>Point Break</em>, devolved into a reality-show staple in the 2000s, appearing on such illustrious programs as <em>Celebrity Apprentice</em> and <em>Celebrity Rehab with Dr. Drew</em>. In 2012, he filed for Chapter 7 bankruptcy protection, stating that he had <a href="http://www.celebritynetworth.com/richest-celebrities/actors/gary-busey-net-worth/">less than $50,000 in real assets</a> while owing up to a million dollars to various creditors.</p> <p><em>Any other celebs with surprisingly low net worths? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">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/5-audiobooks-about-money-you-need-to-hear">5 Audiobooks About Money You Need to Hear</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/these-13-numbers-are-the-keys-to-understanding-your-finances">These 13 Numbers Are the Keys to Understanding 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/6-surprising-sources-of-celeb-income">6 Surprising Sources of Celeb Income</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/protect-future-earnings-by-negotiating-the-right-starting-salary">Protect Future Earnings by Negotiating the Right Starting Salary</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-self-employed-persons-guide-to-getting-credit">The Self-Employed Person&#039;s Guide to Getting Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment actor celeb celebrity entertainment industry income millionaire money net worth salary Tue, 19 Jul 2016 10:30:06 +0000 Mikey Rox 1754819 at http://www.wisebread.com Best Kids Eat Free Restaurants http://www.wisebread.com/best-kids-eat-free-restaurants <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-kids-eat-free-restaurants" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_eating_dinner_41560746.jpg" alt="Family finding best kids eat free restaurants" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One great way to save money while going out to eat is to take advantage of a &quot;kids eat free&quot; deal. My favorite are when you can get up to two free kids meals with the purchase of one adult meal. This allows my family to save even more, since I can share a meal with my husband or one of my kids.</p> <p>While the specifics will vary by area, here are some of the top restaurants that offer a kids eat free deal.</p> <h2>Acapulco</h2> <p>Acapulco varies by location, but when the restaurant does offer free kids meals, it is for kids 11-years-old and under.</p> <h2>Applebee's</h2> <p>Many&nbsp;<a href="https://www.facebook.com/ApplebeesKidsEatFree/">Applebee's</a> locations offer a free kid's meal with the purchase of an adult entry on Tuesday night. I like their kid's meal options the best because they seem a bit healthier than the usual greasy chicken nugget/French fry route.</p> <h2>Bob Evans</h2> <p>Kids can eat free on Tuesday nights starting at 4 p.m. at Bob Evans. You can order one free kid's meal per adult meal purchased. Breakfast is usually served all day, so your kids can enjoy a fun breakfast for dinner if they wish.</p> <h2>Chevy's Tex-Mex</h2> <p>Every Tuesday, <a href="http://chevys.com/">Chevy's Fresh Mex</a> offers up two free kid's meals for every adult meal purchased. Children must be 10 and under to qualify.</p> <h2>Chick-fil-A</h2> <p>On Tuesday nights, from 5:30 to 7:30 p.m., kids can receive a free meal for every adult combo meal purchased. Chick-fil-As are individually owned and operated, so not all locations offer this promotion.</p> <h2>Denny's</h2> <p><a href="https://www.dennys.com/food/kids/">Denny's</a> seems to be the most vocal restaurant about their kids eat free promotion. Kids can eat free Tuesdays from 4 to 10 p.m.</p> <h2>Dickey's Barbeque Pit</h2> <p><a href="https://www.dickeys.com/promos">Dickey's Barbeque Pit</a> offers one free kid's meal per paid adult meal. The offer is only valid on Sundays and for kids 12-years-old and under. The best part is that everyone gets free ice cream with their meal.</p> <h2>El Torito</h2> <p>Kids 10 and under can enjoy one free meal with the purchase of an adult entree at&nbsp;<a href="http://www.eltorito.com/kids-eat-free/">El Torito</a>. For families of three to four, you can save money by splitting one main meal and one free kid's meal, since it is easy to fill up on chips while you wait.</p> <h2>Firehouse Subs</h2> <p>Days vary by location, but you can receive up to two free kids meals per one paying adult meal. My local Firehouse Subs allows kids to eat free on Saturday and Sunday. My kids got a kick out of the free firefighter hats that came with their meal.</p> <h2>Hooters</h2> <p>Many might not consider Hooters a family-friendly restaurant, but they offer up to two free kid's meals with the purchase of an adult meal all day on Sundays. The meals are valid for kids ages 12 and under. While the meal is free, you do have to purchase them a beverage.</p> <h2>IHOP</h2> <p>According to&nbsp;<a href="http://www.ihop.com/about-ihop/ihop-news/2016-news/turn-dinner-time-into-family-time-kids-eat-free-at-ihop">IHOP's news release</a>, their kid's eat free promotions are offered periodically. For 2016, IHOP offered a free kid entree with the paid purchase of an adult entree from April to May. Join their eClub to receive a free meal and birthday meal and to be notified if they do another kid's eat free promotion.</p> <h2>Ikea</h2> <p>Many&nbsp;<a href="http://www.ikea.com/us/en/store/burbank/offers">Ikea</a> locations are offering free kids meals for summer. My local Ikea is offering up to two free kid's meals with every adult meal purchased. This promotion is valid every Monday through Friday, between June 6th to July 29th for kids 12 and under.</p> <h2>Joe's Crab Shack</h2> <p>To celebrate school being out, <a href="http://joescrabshack.fbmta.com/members/ViewMailing.aspx?MailingID=34359797387">Joe's Crab Shack</a> allows kids to eat free Sundays and Mondays.</p> <h2>Pizza Hut</h2> <p>Some&nbsp;<a href="http://slickdeals.net/forums/attachment.php?attachmentid=2573326&amp;d=1393957688">Pizza Hut</a> locations offer a free kid's buffet with each adult buffet purchased. This is valid for kids 10-years-old and younger.</p> <h2>Ruby Tuesday</h2> <p>Kids eat free on Tuesday nights, usually from 5 p.m. to close.</p> <h2>Souplantation</h2> <p>Kids two and under can eat free at Souplantation. Souplantation also regularly offers &quot;kids eat free&quot; coupons and family deals. This used to be a favorite spot of my family, since it was easier to find foods my picky toddler wanted to try.</p> <h2>Steak 'n Shake</h2> <p>Sometimes&nbsp;<a href="https://www.facebook.com/steaknshake/photos/a.10150599697315041.440061.78934590040/10152844874325041/">Steak 'n Shake</a> offers free meals for kids during the weekend or other promotional period.</p> <p>Check with your local restaurants to verify their kids eat free rules. Days and regulations might vary by location. Also, be sure to check with local mom and pop restaurants in your town for kids eat free specials. Don't feel like going out at all? Try these <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids" target="_blank">10 Frugal and Delicious Meals to Make With Your Kids</a> instead.</p> <p><em>What is your favorite restaurant to take advantage of the kids eat free deal?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/best-kids-eat-free-restaurants">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/40-restaurants-that-offer-senior-discounts">40 Restaurants That Offer Senior Discounts</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-7-best-cities-for-frugal-foodies">The 7 Best Cities for Frugal Foodies</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-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-worlds-most-affordable-michelin-starred-restaurants">The World&#039;s Most Affordable Michelin-Starred Restaurants</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family Food and Drink children deals dining out discounts free meals kids restaurants Tue, 28 Jun 2016 09:01:03 +0000 Ashley Eneriz 1740457 at http://www.wisebread.com 5 Easiest Ways to Score Free eBooks http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easiest-ways-to-score-free-ebooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_72457041_XLARGE.jpg" alt="reading free ebooks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'm a bookworm. But the life of a bookworm can be an expensive one. Popular novels tend to be priced anywhere from $6 to $20. That's a pricey prospect for readers who tend to power through five, ten or more books every month.</p> <p>Throughout elementary school and college, I controlled the costs of books primarily by utilizing my public library. I haven't stepped foot in a library in three years, yet I still tend to pay less than $10 every month buying books. The large majority of my reading time is spent downloading and reading free ebooks. Here are five smart reading hacks that can eliminate your monthly book expenses entirely. (See also: <a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books?ref=seealso">8 Smart Ways to Save on Audio Books</a>)</p> <h2>1. Sign Up for Kindle Family Library</h2> <p>Kindle Family Library is a handy feature that allows you to link up to two adult and four child Amazon accounts. Once the accounts are linked, you have access to all the eBooks that the individual has purchased in the past. This can provide months of free reading.</p> <p>Once you have read all of the books in your shared library, you can then separate your accounts, wait 180 days, and then sync up with another family member or friend for access to <em>their </em>library.</p> <p>The only downside of linking accounts is that you will need to authorize the other individual to utilize the credit and debit cards you have on file. You need to trust the individual not to go on a wild shopping spree on your Amazon account.</p> <h2>2. Borrow ebooks From Strangers and Friends</h2> <p>Both Amazon and Barnes and Noble allow individuals to lend the books they bought for 14 days. This can allow you access to more books without directly linking up your accounts.</p> <p>You can supercharge your ability to borrow books by signing up for an online book lending community. Websites like <a href="http://booklending.com/">booklending.com</a> (Kindle), <a href="http://lendle.me/">Lendle</a> (Kindle), and <a href="http://ebookfling.com/f">eBookFling</a> (Kindle and Nook), all allow you to borrow and lend books to strangers.</p> <p>However, many of these lending sites (Lendle and eBookFling in particular) do expect you to lend books to other members in order to continue to borrow books yourself. If you don't already have a library of lendable books, or you don't plan on slowly expanding your library, you might not be able to utilize many of the online lending communities.</p> <h2>3. Read Non-Professional Stories Online</h2> <p>There are hundreds of solid stories self-published online for free on a variety of websites. Budding writers flock to sites like <a href="https://www.fictionpress.com/">FictionPress</a> to in order to practice the craft of writing. In exchange for an occasional review of a chapter or story, readers have the ability to dive into a potentially good book for free.</p> <p>Another non-professional option for the more geek-inclined is to start reading fanfiction. Fanfiction, for those who don't know, are stories that utilize the characters and setting of already existing television shows, movies, comics, or books. If you do delve into the world of free reading by devouring fanfiction, I would suggest starting with either <a href="https://www.fanfiction.net/">Fanfiction.net</a> or <a href="https://archiveofourown.org/">Archive of Our Own</a>.</p> <p>But there are a couple potential downsides of utilizing sites like FictionPress or Fanfiction.com to find good books.</p> <ul> <li>You can expect to find some sub-par writing due in part, to the fact that individuals of various skill levels publish on these types of sites. Try to choose more popular novels based on how many reviews, favorites, or follows they have.</li> <li>The majority of writers publish in these forums as chapters are completed. This process often leads to many writers abandoning stories mid-way. So search for completed stories when doing searches for potential novels.</li> </ul> <p>If fanfiction is for you, utilize an application within Calibre (a free eBook organizer) called&nbsp;<a href="https://github.com/JimmXinu/FanFicFare/wiki/SupportedSites">FanFicFare</a> to download the books onto your computer as either an ePub (Nook), a Mobi (Old Kindle), or an AZW3 (New Kindle) file.</p> <h2>4. Read Public Domain Books</h2> <p>You can keep your electronic bookshelf well stocked by simply sticking to reading books that are within the public domain. This means that anyone is free to use or re-use the book. You can find older classics like <em>Pride and Prejudice</em> by Jane Austen or <em>Oliver Twist</em> by Charles Dickens as part of public domain.</p> <p>Some of these books you can find for free on major eBook publishing sites. Others, you can locate on one of these 25 different&nbsp;<a href="http://ebookfriendly.com/free-public-domain-books-sources/">free public domain publication</a> websites. Many of the free-to-use websites allow you to choose which format (ePub, mobi, HTML) you would like to download the novel in.</p> <p>If you're unsatisfied with the file option available on the site you choose, you can always upload the file to Calibre and convert that file to one of your choice.</p> <h2>5. Check Author Websites for Free Short Stories and Novels</h2> <p>You might want to scope out your favorite author's websites for free novels or short stories. Many authors publish their older novels or short stories online as a gift to fans or in an attempt to attract new readers.</p> <p>And you can either read their stories online or utilize Internet applications like&nbsp;<a href="https://chrome.google.com/webstore/detail/send-to-kindle-for-google/cgdjpilhipecahhcilnafpblkieebhea">Send to Kindle</a> or&nbsp;<a href="http://ebookfriendly.com/how-to-send-any-web-page-to-ibooks-nook-or-kobo-app/">Readability</a> to send the chapters or short stories on the author's website to your ereader.</p> <p><em>How do you save money on ebooks? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">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/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-choose-traditional-books-over-e-books">5 Reasons to Choose Traditional Books Over E-Books</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/another-one-for-the-readers-0">Another one for the readers</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/can-you-really-make-a-living-as-an-ebook-writer">Can You Really Make a Living as an Ebook Writer?</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/extreme-couponing-5-reasons-why-i-ll-pass">Extreme Couponing? 5 Reasons Why I’ll Pass.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Shopping books bookworm eBooks entertainment ereader free books reading tablet Mon, 27 Jun 2016 09:30:22 +0000 Samantha Stauf 1738461 at http://www.wisebread.com Easy Ways to Save on 7 Everyday Buys http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/easy-ways-to-save-on-7-everyday-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_33629166_XLARGE.jpg" alt="saving money on everyday buys" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are some payments and purchases you make because you have to, like gas, insurance, and a mortgage &mdash; but there are others that you make because they make you feel good. By saving money on your favorite purchases, you'll likely purchase them more often and thus, have a happier and more fulfilling life.</p> <p>Here's how you can save money on your favorite everyday things.</p> <h2>1. Restaurants</h2> <p>We all love dining out for a meal. But dinner at a nice restaurant can quickly eat up your budget, especially if you're going out two or three times a week. If you're a person who loves to go out for food, there are three things you should explore:</p> <ul> <li><a href="http://www.tkqlhce.com/click-2822544-12562208-1462979854000">Groupon</a>: With restaurant discounts of up to 75%, you could essentially go out three times as often as you do now, for the same price.</li> <li><a href="http://www.jdoqocy.com/click-2822544-10849242-1415311741000">Restaurant.com</a>: Get $25 certificates for as low as $4. Note that they have a new batch of certificates at the beginning of each month, and costs will keep going down as the month progresses, but it also might mean that the certificates for the restaurants you want will be sold out. No matter when you buy them, you'll still get a nice discount on your meal.</li> <li><a href="http://www.wisebread.com/the-5-best-credit-cards-for-dining-out?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Rewards Credit Cards for Dining Out</a>: Use the best credit card that offers rewards at restaurants, for example the <a href="http://www.wisebread.com/chase-sapphire-preferred-review?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Chase Sapphire Preferred Card</a> offers 2x points for dining. Or a general <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">cash back credit card</a> like the <a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Capital One Quicksilver Cash Rewards Credit Card</a>, which offers unlimited 1.5% cash back on all purchases.</li> </ul> <h2>2. Travel</h2> <p>Once you become a Groupon member, you can get discounts on vacation packages, but once you're in the country, you should also look for local discount cards. Simply run a Google search with your planned destination and &quot;discount card.&quot; It should be something like this: &quot;Venice Discount Card.&quot;</p> <p>The Venice discount card has excellent discounts on transport, sights, and cultural events. You can find similar discount cards in Bangkok, <a href="http://www.cancun-discounts.com/cancun-discount-card.htm">Cancun</a>, <a href="https://www.parispass.com/">Paris</a>, <a href="https://www.londonpass.com/">London</a> and pretty much every major tourist town.</p> <p>You may be surprised how often there's a discount card on offer and these things can save you a lot of money! In Malta for example, the Malta Discount Card saves 50% off at dozens of restaurants, as well as discounts on tours, attractions, and water sports. You're likely to pay off the cost of the card within a day, so I recommend always searching for them before going anywhere.</p> <h2>3. Alcohol</h2> <p>Costco, Costco, Costco. You probably already have a number of Kirkland products in your house, but did you know that Kirkland alcohol was compared in a <a href="https://www.youtube.com/watch?v=oei8K2TYg9s">blind taste test</a> and the tasters couldn't decide if the expensive brands were better than Kirkland?</p> <p>They weren't drinking the liquor with mixers, either. Straight up, these people couldn't agree on the better booze. The Kirkland brand alcohol is as much as 75% cheaper, and if the experts can't tell the difference, you should probably get your buzz on for a bit less with the Costco brand. (See also: <a href="http://www.wisebread.com/the-new-costco-anywhere-visa-card-by-citi-is-good-news-for-costco-shoppers">Get Cash Back on Your Costco Shopping</a>)</p> <h2>4. Movies</h2> <p>Head to the library. You remember that stuffy, quiet place where you had to go to get information in the '80s? As libraries are becoming more and more obsolete, they've made some efforts to bring in new clientele. One of the ways they've done this is by adding DVDs to their inventory.</p> <p>Go to the library, apply for a library card, and take out as many DVDs as you want. They even stock some TV series box sets, so you can save a few bucks of your cable bill as well.</p> <h2>5. Coffee</h2> <p>Stop going to Starbucks! That $3 Americano that you're buying could be made at home for much less.</p> <p>Pick up a <a href="https://www.amazon.com/gp/product/B00P0ZMWEC/ref=as_li_tl?ie=UTF8&amp;tag=wisbre03-20&amp;camp=1789&amp;creative=9325&amp;linkCode=as2&amp;creativeASIN=B00P0ZMWEC&amp;linkId=8bd38a03a49d9f429ee6f94b039d1276">2.2 pound bag of delicious Lavazza Espresso</a> on Amazon for under $20, then buy yourself a <a href="https://www.amazon.com/gp/product/B00H2BQATK/ref=as_li_tl?ie=UTF8&amp;tag=wisbre03-20&amp;camp=1789&amp;creative=9325&amp;linkCode=as2&amp;creativeASIN=B00H2BQATK&amp;linkId=51aa792433c4a0820c782f0aaf0ed330">Handpresso machine</a>. This thing can make the perfect cup of espresso every time, plus it's compact, and you don't need electricity to use it so you can take it anywhere.</p> <p>That 2.2 pound bag of coffee will make 120 cups of Americano coffee, meaning that each cup will cost you less than 17 cents, rather than $3. By the time you finish that bag, you'll have saved $340 on coffee, which pays off the cost of the Handpresso machine two times over!</p> <h2>6. Yoga</h2> <p>Your yoga instructor may not be happy that I'm telling you this, but you can get free Yoga classes on YouTube every day. There are some excellent channels like <a href="https://www.youtube.com/user/FreeYogaTV">Free Yoga TV</a>, that have professional yogis giving quality classes online for zero dollars.</p> <p>The best part of YouTube yoga, is that you can play it from your smartphone and turn pretty much anywhere into your own personal yoga studio. No more having to head to the gym or yoga center. Lock the door in your office, lay down a mat, and stretch to your heart's content.</p> <h2>7. Groceries</h2> <p>If you're not a foodie who loves to cook at home, maybe groceries aren't one of your favorite purchases. But even so, they're a costly budget item that everyone has to purchase every week. With <a href="https://itunes.apple.com/app/grocery-pal/id339684652?mt=8">Grocery Pal</a>, <a href="http://www.couponsherpa.com/mobile-coupons/">Coupon Sherpa</a>, and the right credit cards, you can save a lot of money on your groceries.</p> <p>Grocery Pal helps you find weekly sales at your local supermarkets, like Safeway, Whole Foods, Smart&amp;Final, Walmart, Target, and more. Coupon Sherpa helps you find all the right coupons for the stuff in your cart, and <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">credit cards that reward grocery purchases</a> will put more money back into your wallet. For example, the <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">Blue Cash Preferred Card from American Express</a> will give you 6% cash back on your supermarket purchases! Terms and limitations apply.</p> <p><em>What are your favorite purchases, and how do you save money on them? Share with everyone in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys">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/never-use-cash-for-these-11-things">Never Use Cash for These 11 Things</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</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-your-credit-card-will-save-you-money-while-holiday-shopping">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</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/3-smart-ways-to-save-on-fathers-day">3 Smart Ways to Save on Father&#039;s Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-simple-shopping-list-strategy-from-5-meal-plan-will-save-you-big">This Simple Shopping List Strategy From $5 Meal Plan Will Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entertainment Shopping budgeting coffee credit cards groceries restaurants saving money shopping travel vacation Tue, 21 Jun 2016 10:30:05 +0000 Nick Wharton 1735240 at http://www.wisebread.com 9 Best Money Saving Channels on YouTube http://www.wisebread.com/9-best-money-saving-channels-on-youtube <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-best-money-saving-channels-on-youtube" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/tablet_youtube_19991493.jpg" alt="Finding great money saving channels on YouTube" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What don't you use YouTube for? From learning how to reseal your kitchen sink to entertaining yourself with weird cat videos, YouTube has it all. YouTube can also help you save money, and I'm not just talking about saving money on&nbsp;<a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">free workout videos</a> or cooking lessons, though those are also great ways to save big.</p> <p>There are several money-saving gurus on YouTube, and their channels are full of moneymaking tips and advice and hacks on how to live frugally. Here are just a few of my favorites. (See also:&nbsp;<a href="http://www.wisebread.com/15-free-ways-to-learn-something-new?ref=seealso">15 Free Ways to Learn Something New</a>)</p> <h2>1. Do It On a Dime</h2> <p>If you love organizational tips, Dollar Tree hacks, and affordable home décor DIYs, then this is the channel for you. Kathryn from&nbsp;<a href="https://www.youtube.com/user/DoItOnaDime">Do It On a Dime</a> has hundreds of videos that are fun to watch and provide practical, everyday tips to save money and organize on a budget, as well as recipes and crafts that are inexpensive. She also has a&nbsp;<a href="http://www.doitonadimeblog.com/">complementary blog</a> where she uploads free printables for budgeting and organizing.</p> <h2>2. Fun Cheap or Free</h2> <p>If you ever watched TLC's <em>Extreme Cheapskates</em>, you might have seen Jordan Page as one of the first guests on the show. Jordan Page has a huge personality and her YouTube channel&nbsp;<a href="https://www.youtube.com/user/funcheaporfree">FunCheapOrFree</a> has great saving tips for all areas of your life. Jordan also posts money-saving videos on a collab channel,&nbsp;<a href="https://www.youtube.com/playlist?list=PLOkj-s4rIxaomMRNAnA3aQuZlNCJS5XAF">Millennial Moms</a>. From how to cut boys' hair yourself, to making money with chicken, to taking pictures of all of your receipts so you are never without it when you make a return, you will be entertained thoroughly by all of Jordan's frugal hacks and ideas.</p> <h2>3. The Encouraging Homeschool Mom</h2> <p>Jamerrill Stewart is a mom of seven children and used Dave Ramsey's book to get her family out of debt many years ago. Now, she posts videos on her channel&nbsp;<a href="https://www.youtube.com/user/Nurs4jc">The Encouraging Homeschool Mom</a>, on how she clothes her whole family with thrift store finds and feeds them all for under $200 a week through once-a-month shopping. She also has many videos on home schooling and encouragement. She is a sweet soul who will resonate with many mom viewers.&nbsp;<a href="http://www.theencouraginghomeschoolmom.com/">Her blog</a> is also full of free or affordable home schooling deals.</p> <h2>4. The Krazy Coupon Lady</h2> <p>You will find fun and engaging videos on how to save from best-selling authors and bloggers, Heather Wheeler and Joanie Demer. They are the two women behin&nbsp;<a href="http://thekrazycouponlady.com/">The Krazy Coupon Lady</a>.&nbsp;<a href="https://www.youtube.com/user/TheKrazyCouponLady">Their YouTube channel</a> is also full of specific money-saving strategies for certain stores and websites.</p> <h2>5. Hip2Save</h2> <p>Love coupon deals and breakdowns but have a hard time keeping up with them? The&nbsp;<a href="https://www.youtube.com/user/hip2save">Hip 2 Save</a> channel with Collin Morgan uploads the best deals of the week, as well as how to save money at Target. Her DIY videos will also inspire you to make your own Larabars and gift closet.</p> <h2>6. Exploring Alternatives</h2> <p>Mat and Danielle are minimalist nomads who enjoy long-term travel and living in their camper van. Their channel,&nbsp;<a href="https://www.youtube.com/user/explorealternatives">Exploring Alternatives</a>, offers interesting videos on the extreme side. You will find stories of individuals ditching their mortgage payment to pursue a house on wheels and even a family of five living in a one-bedroom apartment to save money. Along with other people's extreme stories, Mat and Danielle post their tips for downsizing and living minimally. (See also:&nbsp;<a href="http://www.wisebread.com/lessons-in-simple-living-from-extreme-minimalists?ref=seealso">Lessons in Simple Living From Extreme Minimalists</a>)</p> <h2>7. Thriving Minimalist</h2> <p><a href="https://www.youtube.com/channel/UCfRIrEykNPOnNIEovgYnvLg">Thriving Minimalist</a> is another channel for those who love a good, extreme money-saving story. Conor McMillen quit his job and found his passion and health after his wife left him. This channel is more interesting than anything, although you might glean some helpful tips on how to become more minimalist minded in your life.</p> <h2>8. ClutterBug</h2> <p>Cas is a stay-at-home mom that turned her clutter into a clean home (and a profitable YouTube channel). Her channel&nbsp;<a href="https://www.youtube.com/user/OrganizedClutterbug/videos">ClutterBug</a> offers cleaning and organizational tips, along with ways to save money. She even has Pottery Barn and other easy DIY hacks.</p> <h2>9. Brian Tracy</h2> <p>It is no secret that I love&nbsp;<a href="https://www.youtube.com/user/BrianTracySpeaker">Brian Tracy</a> and his uplifting personal and career advice. You can find his advice on many financial and personal matters on YouTube. I am especially a fan of his time management and goal setting advice. (See also:&nbsp;<a href="http://www.wisebread.com/6-pearls-of-career-wisdom-from-brian-tracy?ref=seealso">6 Pearls of Career Wisdom From Brian Tracy</a>)</p> <p>Sure, you can use YouTube for entertainment, but why not take advantage of the great money-saving vloggers, too? YouTube is a great resource for learning almost anything for free.</p> <p><em>What are your favorite channels or vloggers on YouTube?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/9-best-money-saving-channels-on-youtube">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/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</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/15-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment advice budgeting experts gurus money-saving videos YouTube Mon, 20 Jun 2016 09:00:05 +0000 Ashley Eneriz 1728417 at http://www.wisebread.com Beat Stress With These 28 Inexpensive Pastimes http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/beat-stress-with-these-28-inexpensive-pastimes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_son_fishing_70352103.jpg" alt="Father and son beating stress with inexpensive pastimes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Expensive activities are stressful for me because paying for them weighs on my mind. I enjoy cheap or free pastimes, and even some pastimes that make money. Here are some inexpensive pastimes that you can enjoy to stay blissfully preoccupied without spending much money.</p> <h2>Exercise</h2> <p>The payoffs for regular exercise are immense, not least is the relaxation.</p> <h3>1. Bicycling</h3> <p>Bicycling can be a very inexpensive hobby. I picked up a cheap used bike for $28, rode it for five years, and then sold it for $35! In addition to a bike, there are a few other things you&rsquo;ll need to get started: a bike helmet and a bike lock to keep yourself and your bike safe. If you buy an older bike, you may need to change the tires and inner tubes, but you can do this yourself for only a few dollars. A cheap bike provides transportation, exercise, and entertainment.</p> <h3>2. Walking</h3> <p>Even if you don&rsquo;t have any money at all, you can still enjoy walking. Walking is a convenient way to spend time outside and enjoy the seasons with no special equipment or planning required. When the weather is bad, I enjoy walking indoors in shopping malls.</p> <h3>3. Hiking</h3> <p>Sometimes I like to go to go hiking in a park or trail away from roads and sidewalks. Hiking takes a bit more effort than simply going for a walk near your home or workplace, but provides more opportunities to get close to nature. Most hiking trips are free, but I recently paid $10 to go for a five-hour hike among the redwoods in Muir Woods National Monument while visiting San Francisco. This was the most entertainment I have ever gotten for $10!</p> <h2>Cerebral Activities</h2> <p>After you've worked your muscles, challenge your noodle.</p> <h3>4. Reading</h3> <p>Reading can be free if you get books at a public library or find free classics to read on your electronic devices via sites such as <a href="https://www.gutenberg.org/">Project Gutenberg</a>. It seems like there is a nearly endless supply of new books coming along, plus the old classics to catch up on.</p> <h3>5. Writing</h3> <p>Writing has been a great pastime for me. It is exciting to see my work published, and I have even been able to make some money along the way from writing books, articles, and through advertising on my blog. If you are not ready to publish your work for the world to see, writing a journal for yourself or stories to share with your friends and family is a great way to get started writing.</p> <h3>6. Crossword Puzzles</h3> <p>Crossword puzzles help keep your mind sharp and some people seem to really enjoy doing them. I have tried doing crossword puzzles a few times, but it is too much like doing a homework assignment for me to enjoy. Maybe I need to find some easier crossword puzzles to build up my skills.</p> <h3>7. Brain Games</h3> <p>I have tried brain games on my computer, such as the free trial version of <a href="http://www.lumosity.com/">Lumosity</a>, and I sometimes play Math Blaster on my Android device. There are all kinds of free brain games that exercise your skills and help you stay sharp as you try to beat your high score. Some games even allow you to compare your scores with others.</p> <h3>8. Educational Videos</h3> <p>You no longer need to wait until Sunday evening for NOVA to come on PBS. You can get a wide selection of educational programs any time on Netflix ($8 per month) or YouTube (free). I like to find TED Talks on YouTube to find interesting perspectives on everything from physics to social sciences.</p> <h3>9. Online Courses</h3> <p>There are all kinds of online courses you can take for free, including subjects such as computer programming, statistics, and science. Here are some places to check for online courses that interest you:</p> <ul> <li><a href="http://ocw.mit.edu/index.htm">MIT OpenCourseWare</a></li> <li><a href="https://www.coursera.org/">Coursera</a></li> <li><a href="http://www.openculture.com/freeonlinecourses">Open Culture</a></li> <li><a href="https://www.khanacademy.org/">Khan Academy</a></li> </ul> <h3>10. Jigsaw Puzzles</h3> <p>Some people get excited about doing jigsaw puzzles and like to receive them as gifts. Jigsaw puzzles can provide many hours of entertainment for not much money, and you do get a sense of satisfaction &mdash; or relief &mdash; when the puzzle is complete. You can pick up used jigsaw puzzles at garage sales for a dollar or two that provide hours of entertainment, but you might find out that there are missing pieces.</p> <h3>11. Ancestry Research/Genealogy</h3> <p>You can make a serious hobby out of researching your ancestry. It is easier than ever to research family history and find links to your family&rsquo;s past. You can get a long way without spending much money and produce research on your family history that will be invaluable to future generations.</p> <h3>12. Learn a Foreign Language</h3> <p>When you learn a foreign language, you learn more than just a bunch of foreign words. You learn about another culture and open up opportunities to meet and learn about new people.</p> <h2>Nature/Outdoor Enjoyment</h2> <p>When you tire of puzzles and brain games, re-connect with nature.</p> <h3>13. Camping</h3> <p>Camping can be a great way to get away and see things from a fresh perspective. You can find places to camp for free, but even if you pay to stay in a campground, you can find places to pitch a tent for around $20 per night.</p> <h3>14. Fishing</h3> <p>Basic fishing equipment doesn&rsquo;t cost a lot of money. You can get an inexpensive rod and reel good enough to catch your dinner for around $25. I still have a lot of the same fishing tackle I used when I was growing up. The price of a seasonal fishing license varies by location. I paid about $20 and was able to go fishing whenever I wanted all summer.</p> <h3>15. Bird-watching</h3> <p>It is hard not to watch the birds at my house. I have seen orioles, blue jays, cardinals, robins, hummingbirds, geese, and even bald eagles. I put out bird feeders to attract birds near my house for easy observation. Even if you don&rsquo;t put out bird feeders, you can probably find interesting birds to watch and enjoy. Binoculars are useful to be able to observe birds high in trees or too far away to see easily.</p> <h2>Food-Related</h2> <p>While you don't want to use food as a coping tool, lots of the activities around food prep are satisfying and relaxing.</p> <h3>16. Gardening</h3> <p>You get to enjoy planning your garden, watching it grow, and then harvest lots of free vegetables. Gardening can be very inexpensive if you start your own seeds and make your own compost to use for fertilizer. Even if you don&rsquo;t have a yard, you can grow vegetables in pots on a patio or deck. If you don&rsquo;t want to rototill a traditional garden, you can grow vegetables in straw bales or build raised beds for easy access.</p> <h3>17. Cooking</h3> <p>Cooking is a great pastime since it reduces the probability that you will spend money on expensive restaurant food. Watch some cooking shows or videos to learn cooking techniques and get ideas for recipes you want to try out. You can get started cooking with only a few pans and utensils.</p> <h3>18. Canning Food</h3> <p>If you have a successful garden, you&rsquo;ll need to do something with all of those vegetables. The first thing I remember canning was salsa we made with tomatoes, onions, peppers, and cilantro we grew in the garden. It was messy and a lot of work, but it was fun to make those cans of salsa to save for winter and to give to friends. If you have a freezer, you can use an inexpensive <a href="http://amzn.to/1Y6gll8">vacuum sealer</a> to pull the air out of plastic bags and seal up your produce to freeze without getting freezer burned.</p> <h3>19. Grilling</h3> <p>You can start grilling with a $20 charcoal grill. If $20 is too much for you, you can even make a grill for free! My kids build a kebab pit for free using concrete blocks they found and it works great. I also have a gas grill which is more expensive, but very convenient. Grilling outside is one of my favorite activities, followed closely by eating the food that I grill.</p> <h2>Creative Activities</h2> <p>Nothing is as satisfying as zoning out while making something. The doing is its own reward &mdash; but you'll also be rewarded with some of your own handiwork.</p> <h3>20. Wood shop</h3> <p>One of my favorite pastimes is working in my wood shop. I like to repair things, build small projects, and just spend time in my shop organizing my tools and thinking. A wood shop does not need to be expensive. I built one of my workbenches from a kit and others using recycled kitchen cabinets and countertops. Many of my tools were used tools that people gave me.</p> <h3>21. Photography</h3> <p>You can take surprisingly good photos with a cellphone or cheap digital camera, especially in outdoor lighting. A quality digital SLR camera with a zoom lens runs around $300 and will allow you to take your photography to the next level, providing more control over the camera settings.</p> <h3>22. Musical Instruments</h3> <p>You can pick up cheap used musical instruments on Craigslist or at consignment or pawnshops. Of course, buying the instrument is the easy part &mdash; learning to play it well takes work and practice.</p> <h3>23. Sewing</h3> <p>With a sewing machine, fabric, and a pattern, you can make your own clothes. Collecting bargain fabrics is part of the fun of sewing.</p> <h2>Social Activities</h2> <p>It's a fact of life that other people can be the cause of so much stress. It's also a fact of life that other people are often the cure.</p> <h3>24. Volunteer Work</h3> <p>There are lots of opportunities available to volunteer some of your time working for a good cause. Volunteering can be a good way to do something you enjoy and meet other people with similar interests. Some ideas for volunteering: animal shelter, food pantry, political campaign, church organizations.</p> <h3>25. Visiting</h3> <p>If you get bored hanging around your own house, try going to someone else's house! Visiting friends or family is a cheap way to get out of the house and do something different for a change of pace. Having people come over to visit at your place can inspire you to get cleaning and projects done.</p> <h3>26. Playing Cards</h3> <p>Playing cards is a classic cheap pastime, as long as you aren&rsquo;t placing bets. Poker, bridge, and euchre are some popular card games that allow you to play competitively with others.</p> <h2>Cheap Entertainment</h2> <p>Finally, it's okay to be a couch potato from time to time.</p> <h3>27. Sports Fan</h3> <p>Some people spend a lot as sports fans, paying big money for tickets to games and buying team jerseys and other paraphernalia. But being a sports fan doesn&rsquo;t have to be expensive. I don&rsquo;t subscribe to any TV service, but I can find many of my Iowa Hawkeye football games for free, either on over-the-air TV or on radio broadcasts. Sometimes I can find a free video stream of the game on the Internet.</p> <h3>28. News Junkie</h3> <p>I listen to National Public Radio (NPR) for about an hour every day to keep up on news and world events. When I miss my chance to listen to the news for some reason, I feel out of touch and usually end up going on the Internet to check news stories I am following. Keeping up with the news is a cheap pastime and makes it easy to have an intelligent conversation with anyone you meet.</p> <p><em>What are your favorite cheap pastimes?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes">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/the-35-best-ways-to-spend-your-free-time-frugally">The 35 Best Ways to Spend Your Free Time (Frugally)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-fun-frugal-things-to-do-tonight-besides-watch-tv">25 Fun, Frugal Things to Do Tonight Besides Watch TV</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-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</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-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</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-143-fun-and-frugal-ways-to-spend-your-weekend">Flashback Friday: 143 Fun and Frugal Ways to Spend Your Weekend</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment crafts exercise fun games hobbies learning leisure pastimes projects things to do Thu, 16 Jun 2016 10:30:09 +0000 Dr Penny Pincher 1728607 at http://www.wisebread.com 7 Travel Hacks for an Affordable Summer Road Trip http://www.wisebread.com/7-travel-hacks-for-an-affordable-summer-road-trip <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-travel-hacks-for-an-affordable-summer-road-trip" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_camera_car_38688948.jpg" alt="Woman using travel hacks on summer road trip" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A family road trip can be an amazing bonding experience and memory builder with your kids. It can also be really expensive when you start adding up fuel, lodging, and entertainment costs. But with just a little bit of planning and forethought, you can easily save a big chunk of change and actually end up seeing more sights for less. Here are the secrets you need to know to plan an amazing road trip adventure this summer. (See also:&nbsp;<a href="http://www.wisebread.com/best-credit-cards-for-road-trips?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">Best Credit Cards to Use on Road Trips</a>)</p> <h2>1. Plan With Roadtrippers</h2> <p>When it comes to planning your summer road trip, be sure to use technology to your advantage and download the&nbsp;<a href="https://roadtrippers.com/">Roadtrippers</a> app (free for&nbsp;<a href="https://itunes.apple.com/us/app/roadtrippers-road-trip-planner/id944060491">iOS</a>,&nbsp;<a href="https://play.google.com/store/apps/details?id=com.roadtrippers">Android</a>). Not only will it save you money by helping you find lodging deals, but it'll keep you organized and let you plan your trek one day at a time.</p> <p>Once planned, you can even share your road trip across devices and with friends so they can add itinerary suggestions to make it even more memorable. Perhaps the coolest feature of the app is the ability to help you find quirky roadside attractions as you approach them. After all, any experienced road tripper will tell you that some of the most memorable moments are made when finding fun stops along the way to your final destination.</p> <h2>2. Book Hotels Directly and Save</h2> <p>When planning your summer trip this year, consider calling hotels directly to book your room. Online booking sites like Expedia and Orbitz charge hotels a 10%&ndash;15% fee, so many hotels would rather bypass these sites entirely and book directly with you. But before you call, check the travel sites to see the hotel's current rate. Then when you call, politely ask if the hotel can beat that rate by 10%. In many cases, they'll happy beat their online rate and even throw in some free upgrades like a better room or beverage and food credits.</p> <h2>3. VRBO Last-Minute Savings Trick</h2> <p>Vacation Rentals by Owner, also known as&nbsp;<a href="https://www.vrbo.com/">VRBO</a>, puts travelers in direct contact with homeowners looking to rent out their houses, condos, or apartments. If you shop around carefully, roadtrippers can score some great deals, often cheaper than hotels, which are typically much more accommodating for a larger family.</p> <p>But if a homeowner doesn't rent out a particular weekend, they don't make a penny from their vacation rental. So as a smart roadtripper, use this information to your advantage when making your initial VRBO inquiry. Politely ask about the possibility of a 15% discount on the asking nightly rate, especially when inquiring about a last-minute stay. In many cases, homeowners will jump all over this and happily give you a last-minute discount to avoid their place sitting empty. By &quot;last-minute,&quot; I mean within a week of your arrival, as that's when reality sets in for most homeowners that their place is probably going to sit empty.</p> <h2>4. AAA Premier Membership</h2> <p>There's no arguing the fact that an AAA membership provides great peace of mind when hitting the road for a long trip, especially with a family. Emergency roadside assistance like towing after a breakdown, tire changes, and battery jumpstarts are just a few of their useful services. But when planning a long summer road trip, look into upgrading to the&nbsp;<a href="http://www.aaa.com/aaa/045/pioneer/membership/premier/comparison.htm">AAA Premier</a> membership for $118 annually, up from $58 for the basic membership. This is because Premier comes with up to 200 miles of towing, $1,500 for meals/lodging in the event of a breakdown, and 100 miles of emergency medical transportation.</p> <p>Last summer, I upgraded to AAA Premier just before embarking on a long road trip across the western U.S. with my parents' RV. Sure enough, the RV broke down 75 miles west of Needles, CA on a 115 degree day in the Mojave Desert. Not only did we get a free 75 mile tow, but all lodging and food was paid for as we waited for a new fuel pump to be delivered and installed. AAA ended up reimbursing us close to $700 for the trip interruption. This year I simply downgraded our membership back to the basic, but I'll definitely upgrade it again before our next long road trip.</p> <p>Also, don't forget about AAA discounts that will save you money on hotels, airfare, rental cars, shopping, and entertainment. By getting in the habit of always inquiring about an AAA discount, you can easily pay for your annual basic membership of $58.</p> <h2>5. GasBuddy App</h2> <p>If you're not arming your smartphone with the&nbsp;<a href="http://www.gasbuddy.com/">GasBuddy app</a> (free for&nbsp;<a href="https://itunes.apple.com/us/app/gasbuddy-find-cheap-gas-prices/id406719683">iOS</a> and&nbsp;<a href="https://play.google.com/store/apps/details?id=gbis.gbandroid">Android</a>) before you leave home, you're bound to overpay at the pump. Not only does the app help you find the cheapest gas stations along your journey, but you'll even earn points for reporting gas prices that could you score you a free $100 gas card. A good GasBuddy strategy is to access the app when your tank gets about a quarter full and search for upcoming gas stations. By doing it this way, and not waiting until your &quot;get gas&quot; light comes on, you'll be able to take advantage of a larger radius of stations and ensure the lowest price per gallon.</p> <h2>6. Drive Early in the Day</h2> <p>Another trick that I learned on our last family road trip was to hit the road early. This allows you to take advantage of the cooler temperatures and fresher eyes for the driver. If you can start your driving by 6 or 7 a.m., not only will you be able to keep the A/C off and enjoy the cool morning air, but you'll be much less likely to overheat your vehicle leading to potentially costly repairs. Not to mention the better gas mileage that you'll get by having the A/C turned off.</p> <p>Financial benefits aside, the early start typically makes it easier to drive long distances and avoids fatigued eyes as they day winds down. Plus, you'll end up at your next stop much earlier in the day, leaving you ample time to explore your surroundings.</p> <h2>7. Find Free Attractions</h2> <p>Perhaps the best way to save money on your next family road trip is to search for free, or almost free, attractions and activities that everyone will love. The best way to do this is to access&nbsp;<a href="http://www.roadtripradar.com/">RoadTripRadar</a> and tell them where you're headed and how far you're willing to travel off your route to see attractions. You can also pick the types of attractions you're interested in, things like museums, parks, farms, outdoor play areas, hiking trails, and camping &mdash; many of which are completely free of charge. Once you have your route all planned out, you can save it for later use, and even enhance it via YouTube videos and save it directly to your GPS unit via a satnav file. They currently support Garmin, TomTom, Navman, and Google Navigator.</p> <p><em>How do you save money when you load up the car and head out on a long road trip?</em></p> <h2 style="text-align: center;">Like this Article? Pin it!</h2> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Travel%20Hacks%20for%20an%20Affordable%20Summer%20Road%20Trip.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/7-travel-hacks-for-an-affordable-summer-road-trip">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/25-ways-to-have-the-best-cheapest-summer-vacation">25 Ways to Have the Best, Cheapest Summer Vacation</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-to-leave-behind-during-your-midsummer-trip">10 Things to Leave Behind During Your Midsummer Trip</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-great-cheap-summer-vacations">8 Great, Cheap Summer Vacations</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-do-la-on-the-cheap">10 Ways to Do LA On the Cheap</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/car-yoga-and-9-other-ways-to-beat-long-drives">Car Yoga and 9 Other Ways to Beat Long Drives</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Travel AAA driving expedia hotels Orbitz road trips summer vacation tourism travel deals vrbo Wed, 15 Jun 2016 09:30:42 +0000 Kyle James 1728424 at http://www.wisebread.com 7 Surprising Ways Summer Will Cost You http://www.wisebread.com/7-surprising-ways-summer-will-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-surprising-ways-summer-will-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_ice_cream_74904405.jpg" alt="Woman learning ways ice cream will cost her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know that summer comes with expenses &mdash; higher-priced fuel fill-ups, increased electricity bills from running the A/C nonstop (mine doesn't get a rest from, like, March to October; thank you, first-world luxuries), and sky-high hotel rates. But there are other items that see an uptick during vacation season that you might not immediately recognize. Here's a list to watch with your wallet.</p> <h2>1. Bottled Water</h2> <p>We loooove to wag our fingers at others for buying bottled water &mdash; because get a <a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles">reusable bottle</a> already! &mdash; but we also understand that sometimes it's necessary. Like when it's hot as lava outside and you're about to have a heat stroke because you forgot your reusable bottle at home. While it may seem innocuous enough to pick up a bottle at your local convenience store now and then, that's not usually how it goes down &mdash; especially if you have kids.</p> <p>According to<a href="http://www.pennypinchingprincess.com"> money-saving expert Nedalee Thomas</a>, who also happens to be CEO of a water-filtration company, a family of four will spend a whopping $1,600 on bottled water a year. Uh, come again?</p> <p>&quot;Consumption is higher in the summer just because of heat and dehydration, but families tend to buy more bottled water when heading out for the day's activities, spending on average $12 a day for a family of four,&quot; Thomas says. &quot;Theme parks and many venues cost much more.&quot;</p> <p>The best way to save &mdash; if you haven't already heard it a <em>million</em> times &mdash; is to refill BPA-free bottles with your own good filtered water.&quot;</p> <p>Chanson Water USA provides a comparison chart of <a href="https://chansonalkalinewater.com/water-ionizer-vs-bottled-water-cost-comparison-chart/">annual costs of various types of bottled water</a> versus what it costs to filter your own water at home, and it's a doozy.</p> <h2>2. Iced Coffee</h2> <p>Drinking more iced coffee during the summer to give yourself a jolt <em>and</em> beat the heat? Well, it's gonna cost you.</p> <p>Grub Street did some digging a few years back to find out<a href="http://www.grubstreet.com/2012/03/why-does-iced-coffee-cost-more-than-hot.html"> why iced coffee costs more than hot coffee</a>, and their findings may make your temperature rise. Save yourself some gas on a trip to the java joint, and pocket the extra money you'd be spending on each cup of cold joe, by making your own watered-down pick-me-up at home.</p> <h2>3. Car Maintenance</h2> <p>Another unexpected way summer will cost you extra money is through car maintenance.</p> <p>&quot;Many dealers and mechanics want to service cars more frequently than the manufacturer recommends, especially during weather transitions, which is both unnecessary and costly,&quot; says car expert Richard Reina. &quot;While hot weather absolutely takes a toll on our vehicles, the best way to cut these costs is taking proper precautions and doing the simple repairs yourself.&quot;</p> <p>He offers a few DIY ways to avoid the mechanic this summer.</p> <ul> <li><strong>Replace wiper blades</strong>: A winter's worth of clearing slush and ice from the windshield takes its toll, resulting in streaking and chattering that you don't want in spring/summer downpours as it could severely hinder your vision and cause an accident.<br /> &nbsp;</li> <li><strong>Check coolant hoses and belts</strong>: It's also important to check coolant hoses and belts for deterioration and wear, and be sure to check all fluid levels. Just as you checked your antifreeze to make sure the freezing point was well below anticipated winter temperatures, check it now to ensure you won't have a boil over during hot summer driving. By performing this basic auto tuneup yourself, you would save $250, as it only costs $100 to DIY compared to a dealer cost of $350.<br /> &nbsp;</li> <li><strong>Test your battery</strong>: As much as the winter is harsh on batteries, summer is, too, with the constant running of the cooling fans and the pull on your alternator from driving with the windows down. Test the battery to make sure you don't get stranded with a no-start on a summer trip. Check the battery connections for tightness and clean away any dirt and corrosion. If it's time for a new battery, I suggest buying them at local &quot;buyer's club&quot; (Costco, Sam's Club) to save money, and change it yourself. You'll save $120, with DIY costing $80 versus dealer prices of $200.<br /> &nbsp;</li> <li><strong>Change your engine oil and filter</strong>: Cold weather is tough on engine oil because it doesn't get a chance to come to normal operating temperature necessary to get rid of moisture and contaminants, which can cause sludge. If you buy the oil yourself, make sure that you are certain that you are using a high-quality oil of the correct viscosity. Often, chain-store oil-change outfits may be using the same oil for different cars. If your car is older with high mileage, it can be very helpful to switch to a heavier oil with different detergent. Higher temps require higher oil weight/viscosity, and since the seals on the engine of an older car have likely started to wear, switching will help keep your engine protected. Also be sure to check the brake/steering/washer fluids while you're under the hood. This will save you $35, as DIY costs $25 compared to dealer cost of $60.</li> </ul> <h2>4. Dining and Drinking Al Fresco</h2> <p>Warmer weather means more opportunity for eating and drinking outdoors, and if you're not careful, it can get out of hand, financially. Nobody wants to cook indoors when it's hot out &mdash; I get it &mdash; so think of alternative ways to eat at home, like by using the outdoor grill more frequently or making meals that don't require a heat source, like salads, <a href="http://www.wisebread.com/these-10-frugal-lunches-are-delicious-hot-or-cold">cold soups</a>, and slow-cooker meals. If you're drinking with your dinner, have a glass of water between adult bevies to reduce the risk of overspending, and tomorrow's pounding headache.</p> <h2>5. Home and Apartment Rentals</h2> <p>Rental season is at its busiest during the warmer months, from May to October, for several reasons. For starters, this period is a time when many people are in transition, especially students who are looking for housing after the school year ends or before it begins. Plus, this time of year is more conducive to moving, because who wants to haul furniture around during a blizzard? Nobody, including those begrudging friends you've enlisted to help you. Because of these factors, and the laws of supply and demand, rental prices may be at a premium during the summer. If you have a choice, wait until the weather gets a bit cooler to make your move.</p> <h2>6. New Cars</h2> <p>According to USAA via TrueCar, you can expect to experience more sticker shock on vehicles during the summer than you would while everybody's hibernating and generally steering clear of walking around car lots in a foot of snow. Prices increase as the weather warms because, again, of our old friend supply and demand. More people are out and about when things thaw out, and their tax refunds are burning holes in the pockets &mdash; an incentive that car dealerships fully take advantage of.</p> <h2>7. Ice Cream</h2> <p>You might think ice cream costs more during the summer because everybody is eating it, but that's not necessarily the case. I mean, it's sort of the reason why you may see higher prices this year, but it's mostly because there's a<a href="http://www.cnbc.com/2016/03/28/vanilla-shortage-threatens-ice-cream-prices-this-summer.html"> vanilla shortage in Madagascar because of poor harvest quality</a>, and that means less mint chocolate chip for you, me, and the rest of the cone-loving U.S. population. Hey, at least we still have freeze-pops.</p> <p><em>How do you stay on top of your summer budget? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">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/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</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-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</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-8-everyday-buys-will-be-cheaper-this-summer">These 8 Everyday Buys Will Be Cheaper 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/15-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment Lifestyle budgeting frugal summer ice cream saving money summer summer costs summer fun Tue, 14 Jun 2016 10:00:10 +0000 Mikey Rox 1730465 at http://www.wisebread.com Flashback Friday: 143 Fun and Frugal Ways to Spend Your Weekend http://www.wisebread.com/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_walking_park_51967000.jpg" alt="Couple finding fun ways to spend their weekend" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's almost the weekend and you have no plans. That can be exciting, or also a little scary. Because when weekend plans aren't mapped out ahead of time, it's easy to default to the pricier activities like shopping &mdash; or to just skip it and stay home (again).</p> <p>So instead of leaving the fate of your savings hanging in the balance, try one of these fun and frugal ways to spend your weekend. And walk into work on Monday fully relaxed and not totally broke.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/couple_gardening_000053678990.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/19-fun-cheap-projects-to-try-this-weekend?ref=fbf">19 Fun, Cheap Projects to Try This Weekend</a> &mdash; Why spend all of your cash on a crafty item you can just make yourself? Enter the beautiful world of DIY and give these fun projects a try.</p> <p><a href="http://www.wisebread.com/make-your-escape-with-these-14-affordable-weekend-getaways?ref=fbf">Make Your Escape With These 14 Affordable Weekend Getaways</a> &mdash; A last-minute weekend getaway to Paris would be a blast, sure, but have you explored all of your local and regional nooks and crannies yet? Because with any of these affordable weekend getaway ideas, you'll feel like a tourist without spending money like one.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_reading_hammock_000044042996.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/the-12-best-weekend-activities-for-introverts?ref=fbf">The 12 Best Weekend Activities for Introverts</a> &mdash; Introverts don't need much in terms of outside entertainment, and they would prefer a 48-hour period of minimal social interactions. So if you're in the mood to hibernate and relax like a pro, here you go.</p> <p><a href="http://www.wisebread.com/18-awesome-things-you-can-do-this-weekend-for-under-10?ref=fbf">18 Awesome Things You Can Do This Weekend for Under $10</a> &mdash; It doesn't take much these days to spend $10. I mean, one bottle of pressed juice can cost more than that, in some places. So these cheap weekend plans are especially inspiring, and also a ton of fun!</p> <p><a href="http://www.wisebread.com/pick-up-one-of-these-frugal-hobbies-this-weekend?ref=fbf">Pick Up One of These Frugal Hobbies This Weekend</a> &mdash; If you haven't given origami or geocaching a try, you are seriously missing out. Along with these other 11 frugal hobbies, your future weekends will be budget-friendly and extremely fulfilling.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kids_summer_water_balloon_fight_000062702582.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/20-cheap-fun-things-to-do-with-kids-this-weekend?ref=fbf">20 Cheap Fun Things to Do With Kids This Weekend</a> &mdash; Keeping the kids busy without spending much money can seem like an impossible magic trick. But quality time with the kiddos shouldn't cost a thing, and it doesn't have to with these 20 activities.</p> <p><a href="http://www.wisebread.com/47-cheap-fun-things-to-do-this-weekend?ref=fbf">47 Cheap, Fun Things to Do This Weekend</a> &mdash; Do not underestimate the enjoyment you'll get from watching a sunset or baking a pie. They're simple ways to spend your time, but aren't simple things actually the best things?</p> <p><em>What are your plans for the weekend? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-143-fun-and-frugal-ways-to-spend-your-weekend">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/flashback-friday-72-brilliant-ways-to-stretch-20">Flashback Friday: 72 Brilliant Ways to Stretch $20</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-70-brilliant-ways-to-beat-the-heat-this-summer">Flashback Friday: 70 Brilliant Ways to Beat the Heat This Summer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</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-122-scrumptious-super-bowl-party-snack-ideas">Flashback Friday: 122 Scrumptious Super Bowl Party Snack Ideas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Entertainment Lifestyle fbf flashback friday free things to do frugal activities fun things to do hobbies outdoors weekend weekend activities weekend fun Fri, 03 Jun 2016 10:00:10 +0000 Chrissa Hardy 1723164 at http://www.wisebread.com How to Save Money on Kids' Activities http://www.wisebread.com/how-to-save-money-on-kids-activities <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-save-money-on-kids-activities" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000074577577_Large.jpg" alt="saving money on kids&#039; activities" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One thing many parents have in common is that they are rushing around from one activity to another for their children. It takes a full-sized calendar to keep track of who has soccer on which day, and which kid has an upcoming dance recital. If your family juggles a lot of activities during the school year and then in the summer, you know how expensive it can get. Here are few ways to save money.</p> <h2>Buy Secondhand</h2> <p>Gently used sports equipment is surprisingly easy to find secondhand. Before you spring for new sports gear or a musical instrument, check Craigslist, eBay, thrift stores, and even your parent friends. Children often outgrow gear quickly, or they lose interest in an activity. This means you might find equipment such as cleats, shin guards, dance shoes, or a French horn in mint condition for a fraction of the cost.</p> <p>My daughter is in ballet/tap class, and I am surprised at how many pairs of tap shoes I come across at the thrift store for about $1.99 each. Avoid getting any headgear used, especially bicycle helmets, for safety reasons. Also, if your child or teen is involved in a sport that requires a lot of running, new shoes will be better for their alignment and performance. (See also:&nbsp;<a href="http://www.wisebread.com/8-things-you-should-always-buy-used?ref=seealso">8 Things You Should Always Buy Used</a>)</p> <h2>Skip the Pricey, Special Events</h2> <p>Certain activities will come with seasonal recitals, concerts, fundraisers, and fancy dinners. When you sign up for an activity, know upfront which events are required of you. You are not always required to participate in everything. For example, my daughter's dance studio puts on five or so performances a year, each of which might cost $30&ndash;$40 for the costume and tickets to attend. Since she is only three, it is easy to opt out of these performances. The other dance moms are a little perplexed that I would do such a thing, but my main goal is to make sure my daughter has fun and to keep my life simple with two kids under four.</p> <p>As a child, my sister and I were in Taekwondo. There were always tournaments happening, and I remember wanting to go to as many as possible. Thankfully, my parents limited tournaments because, truthfully, as much as I loved doing them, they drained a lot of my time and energy (and my parents', too). When you sign up for a new activity, find out what is really required of you. If your child is still young, like mine, then feel free to forego the optional extras to save money and sanity.</p> <h2>Enroll in One Activity at a Time</h2> <p>I'm always amazed by the parents that juggle two or three or even five different activities with their children. Amazingly, I've never met a parent who actually enjoys being a human taxi to taekwondo lessons, piano lessons, and baseball games. These parents are usually the ones who are stressed out the most or are barking at their kids to hurry up and get ready for the next activity. Guess what? Your kids don't have to do it all. Pick one activity per season. If you have multiple kids have them all enrolled in one activity. If your youngest doesn't want to take soccer with the rest of your kids, then let them know that they will get to choose the activity next season.</p> <p>I think as parents, we are so worried about enriching our children's lives, that we forget they need some downtime and relaxation time with us. It's okay to take a season off of youth soccer. This doesn't mean your child is automatically disqualified from future scholarships or from becoming a pro-athlete (unless of course they are close to graduation).</p> <h2>Get the Sibling Discount</h2> <p>Not only will enrolling your children in the same activity save you some time and stress, but it will also save you money. Many places offer sibling discounts, and siblings can often share equipment. If you don't see a sibling discount offered, don't hesitate to ask.</p> <h2>Start a Hand-Me-Down Bucket</h2> <p>When I first signed up my daughter for dance classes, the teacher asked all the moms if someone had outgrown ballet shoes for us. The next week, another mom brought some for me. I offered her money, but she said, &quot;This is just what the moms do at this studio.&quot; What a resourceful way to help the whole studio.</p> <p>If possible, make an announcement to the parents that you are going to start a &quot;hand-me down bucket&quot; or &quot;share bucket.&quot; Pitch it as a way for them to help with the costs and to clean out their closets of outgrown gear. This works best in settings that kids use the same items each year, such as dance shoes, leotards, karate shirts, and sparring gear, etc.</p> <h2>Pay Ahead</h2> <p>Always ask about discounts for paying ahead or paying in cash. Some places might give you a discount for paying for the whole year upfront, which can save you $30&ndash;$50 that year. The dance studio my daughter is enrolled in offers a $15 discount once a year for those who pay for three months in advance.</p> <p><em>How do you save on your kid's extracurricular activities? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-save-money-on-kids-activities">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</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-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Family activities child activities family time kids shopping sports weekend activities Thu, 02 Jun 2016 09:30:24 +0000 Ashley Eneriz 1722226 at http://www.wisebread.com 4 Brilliant Tips From "Smart Mom, Rich Mom" http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-brilliant-tips-from-smart-mom-rich-mom" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smart_mom_baby_000088665045.jpg" alt="Learning brilliant tips from Smart Mom Rich Mom" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's hard enough to save money and focus on building personal wealth when you're single and building your career. But while also raising a family? Forget it. It feels almost impossible. Your kids need to be clothed, fed, cared for, educated, socially stimulated, and financially supported, over and over again until the day they move out of the house and can live on their own. And all of those needs require money in order to be met. Oh, and also? You have needs, too. It's easy to toss those aside, but they are equally as important.</p> <p>It's overwhelming! However, you can create a deep and cozy financial cushion while raising your little ones.</p> <p>Personal finance expert Kimberly Palmer knows this feeling all too well. And in her new book, <em>Smart Mom, Rich Mom</em>, she examines the outdated misconception that women can't become savvy investors while also raising a family.</p> <p>Building personal wealth has historically been a Boys Club, with women serving as mothers and arm candy &mdash; nothing more &mdash; to the powerful men who handle the family finances. Obviously this stereotype needs to be blasted to smithereens, because it's ridiculous and utterly incorrect, and Palmer's advice serves as the metaphorical grenade to do just that. From the very first page, she pulls the pin out and ultimately clears the path for you to become just what her title suggests: a smart mom, and a rich mom. It's a must-read for all aspiring financial lady bosses. (See also: <a href="http://www.wisebread.com/4-common-money-misconceptions-about-women?ref=seealso">4 Common Money Misconceptions About Women</a>)</p> <p>Here are four of her most brilliant tips.</p> <h2>1. Understand Your Power</h2> <p>Women have much more financial responsibility &mdash; and power &mdash; than they know. And that trend is increasing.</p> <ul> <li>By 2020, women will control two-thirds of the country's wealth, and 90% of us will handle our finances completely on our own at some point in our lives, due to death or divorce, according to Fidelity.<br /> &nbsp;</li> <li>In four out of 10 households with children, moms are the only or primary breadwinners, according to the Pew Research Center.<br /> &nbsp;</li> <li>Yet, according to a report from Boston Consulting Group, most women are unhappy with the level of service from their financial services providers, and many feel as if they are &quot;talked down to&quot; by male advisers.</li> </ul> <p>Clearly, the industry has yet to recognize that our lack of male reproductive parts in no way inhibits our ability to be our household's money boss. And in fact, a lot of us are pretty good at it.</p> <p>So don't ever second-guess your power as a financially savvy investor. Don't ever allow your adviser or anyone else make you feel like a clueless housewife.</p> <h2>2. Focus on the Bigger Picture</h2> <p>In chapter one, &quot;Save (and Spend) Like a Mother,&quot; Palmer notes how the Great Recession made saving money cool again. It's no longer embarrassing to shop generics or clip coupons, because why should anyone spend more than they need to?</p> <p>But the practice of penny pinching and coupon clipping are methods of short-term saving, and because they can become time-consuming habits, they can lead to short-term financial planning, too.</p> <p>Not that we should nix the couponing altogether, but we need to leave room to focus on the bigger picture. Palmer suggests finding ways to save more on the grand scheme of things, like with a flex-spending account for childcare, or negotiating monthly bills to put that extra money into your savings account. In a perfect comparison, Palmer encourages becoming more of a &quot;skilled shopper&quot; and not just a &quot;discount chaser.&quot;</p> <h2>3. Embrace Your Ambition</h2> <p>In chapter four, &quot;Like a Boss,&quot; Palmer describes how exhausted she felt after the birth of her first child, and how that exhaustion led to concerns about not being able to contribute financially to the household while on maternity leave. Such a painfully relatable concern, I just wanted to leap onto the page and hug this woman for acknowledging it. You spend your early life building your career, becoming self-sufficient, and then you spend nine months growing a human in your middle, only to be left feeling rundown and dependent on your partner, in every possible way, during those first months of motherhood.</p> <p>Of course, as we all do, Palmer made it through the tough transition. And she did so by keeping that flame of ambition burning. She took on freelance work; she used her child's naptime as time to grow her Etsy shop. She had a moment of clarity early on that motivated her to create her own income stream, and ultimately ensure that her new baby would be given the best care, and the best life possible. So when those moments come, latch on and find ways to be your own boss.</p> <h2>4. Own Your Independence</h2> <p>In chapter five, &quot;Investing Mamas,&quot; Palmer talks about the importance of learning to manage your finances your own, as early on as possible. &quot;We are going to be on our own at some point,&quot;she writes,&quot; whether through choice, tragedy, or the simple fact that wives tend to outlive their husbands. That&rsquo;s why we need to know how to manage our investments with the same confidence we apply to paying bills or planning the week&rsquo;s meals.&quot;</p> <p>So while it's helpful for spouses to split household duties down the middle to make life easier, there shouldn't be a task that your partner does that you have no idea how to do, especially when it comes to managing money.</p> <p>Not only are Palmer's tips insightful and relatable, but she also provides clear, actionable steps at the end of each chapter to help you become the financially savvy, and independent woman you want to be. The book ends with a 12-month guide to creating a year of financial growth and brilliant organization so that in just a year's time, you can go from a stressed, overworked mama, to confident, money-savvy mom boss. Palmer is in your corner, and she's rooting for you to succeed.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Palmer%2C%20Smart%20Mom.jpg" width="605" height="459" alt="" /></p> <p>Feeling inspired yet? Pick up your copy of <a href="http://www.kimberly-palmer.com/smartmomrichmom/"><em>Smart Mom, Rich Mom</em></a>, on sale today!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</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-save-money-at-the-post-office">How to Save Money at the Post Office</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/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Entertainment book reviews budgeting building wealth frugal living investing frugal living hacks Kimberly Palmer new books parenting parenting on a budget saving money Wed, 01 Jun 2016 09:00:11 +0000 Chrissa Hardy 1718633 at http://www.wisebread.com