Entertainment http://www.wisebread.com/taxonomy/term/5995/all en-US 10 New Podcasts That'll Improve Your Money Mindset http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-new-podcasts-thatll-improve-your-money-mindset" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/enjoying_great_music.jpg" alt="Enjoying great music" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Podcasts are all the rage right now. We even have podcasts that review and recommend other podcasts! I'm proud to say that I'm a podcast junkie, as is most everyone I know. But did you know that your podcast addiction could actually help you manage your personal finances? Here are 10 that will improve your money mindset.</p> <h2>1. Listen, Money Matters</h2> <p><a href="https://www.listenmoneymatters.com/show/" target="_blank">Listen, Money Matters</a> lives up to the promise of its tagline, &quot;Manage your money like a badass.&quot; If you think personal finance is dull, Andrew Fiebert (a self-professed personal finance nerd) and Thomas Frank (a productivity expert) are here to dispel that myth. They'll help you work smarter so that your money works harder for you. They break down complex terms and host some of the smartest minds in the personal finance field. Topics range from investing to debt reduction, and everything in between.</p> <h2>2. Planet Money</h2> <p>This superb NPR podcast is the gold standard when it comes to personal finance programs. Think breaking financial news meets the nuts and bolts of how our economy actually works told to you by your best friend. At almost 800 episodes, <a href="http://www.npr.org/sections/money/" target="_blank">Planet Money</a> has clearly found the secret recipe to making personal finance fascinating.</p> <h2>3. Stacking Benjamins</h2> <p>Endlessly action-oriented and infinitely original, <a href="https://www.stackingbenjamins.com/listen/" target="_blank">Stacking Benjamins</a> is all about taking personal finance advice and putting it to work for you immediately. With episode titles such as &quot;Where Financial Planning Goes Wrong&quot; and &quot;69 Things That GO BUMP in Your Portfolio,&quot; this podcast is so much more than tips on how to save money. It's actually changing your mind about how you view money and its place in your life.</p> <h2>4. The Money Tree</h2> <p>If investing is an area of personal finance you haven't delved into until now, <a href="http://moneytreepodcast.com/" target="_blank">The Money Tree</a> is the place to grow your knowledge and personal wealth. From choosing the right investments, to making career choices, to answering your questions about pensions and Social Security, the hosts and their guest panelists for each episode will help you invest like the best.</p> <h2>5. Money Box</h2> <p>This gem from the BBC combines the latest personal finance news with brief guides on topics such as compound interest. It also offers societal commentary on topics like the future of retirement. What I like best about <a href="http://www.bbc.co.uk/programmes/b006qjnv" target="_blank">Money Box</a> is that it serves up full episodes plus very short clips that tightly focus on one concept, such as energy savings and the return of the 100 percent mortgage.</p> <h2>6. HerMoney with Jean Chatzky</h2> <p>A personal finance expert, award-winning journalist, and best-selling author, <a href="https://www.jeanchatzky.com/podcast/" target="_blank">Jean Chatzky</a> is masterful at breaking down personal finance advice and combining that advice with what's happening in the lives of women. This mindfulness includes acknowledging finance challenges women face, such as saving for our own retirement while caring for our older loved ones, and providing timely advice based on big calendar events like back-to-school and tax prep time. Though it's geared toward women, this podcast is a winner for male listeners, too.</p> <h2>7. Freakonomics Radio</h2> <p>If you're looking to expand your mind and your thinking around money, <a href="http://freakonomics.com/" target="_blank">Freakonomics Radio</a> is for you. In the tradition of their wildly successful books <em>Freakonomics</em>, <em>SuperFreakonomics</em>, and <em>Think Like a Freak</em>, Steven D. Levitt and Stephen J. Dubner bring together masterful storytelling with human psychology. From supply and demand through the lens of line standing, to explaining the stupidest thing you can do with your money, this highly-provocative, well-researched gem is perfect for intellectually curious listeners.</p> <h2>8. The Dave Ramsey Show</h2> <p><a href="https://www.daveramsey.com/show" target="_blank">Dave Ramsey</a> approaches the management of money from a Zen place &mdash; he wants you to make peace with it so you can focus on doing what you love and spending time with people who matter to you. He recognizes the stress that money can place on your relationships and happiness, and his goal is to help you mitigate that stress with knowledge and a game plan. That perspective and motivation make the content about wealth building, reducing debt, and budgeting easy to digest. His message resonates with a wide listener base &mdash; this year he's celebrating his 25th anniversary on the air.</p> <h2>9. The Dough Roller Money Podcast</h2> <p>Interviews, Q&amp;As, deep dives into individual money topics, and career advice from a financial perspective make <a href="http://www.doughroller.net/thepodcast/" target="_blank">The Dough Roller Money Podcast</a> one of the most well-rounded personal finance podcasts. The variety of content and format has helped Rob Berger and his 14-member team become one of the highest rated personal finance podcasts with 75,000 downloads per month.</p> <h2>10. Money for the Rest of Us</h2> <p>For everyone who needs their personal finance advice beautifully wrapped in a compelling story that has nothing to do with personal finance, <a href="https://moneyfortherestofus.com/episodes/" target="_blank">Money for the Rest of Us</a> is tailor-made for you. You're going to get the knowledge and lessons you need to create a money mindset, but they'll be delivered with such an immersive and entertaining narrative that you won't even realize you're learning. Some of my recent favorite episodes are &quot;Do Homeowner Tax Breaks Cause Homelessness?&quot; and &quot;Is Infrastructure a Good Investment?&quot; Combining personal finance education with social justice and impact gets people to pay attention and take action.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/10-new-podcasts-thatll-improve-your-money-mindset">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/these-10-money-podcasts-will-help-you-save-tons">These 10 Money Podcasts Will Help You Save Tons</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-money-lessons-we-can-learn-from-jk-rowling">4 Money Lessons We Can Learn From J.K. Rowling</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-money-podcasts">The 5 Best Money Podcasts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-financial-basics-every-new-grad-should-know">The Financial Basics Every New Grad Should Know</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/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment advice Help insight listening money management money mindset podcasts radio Wed, 20 Sep 2017 08:00:06 +0000 Christa Avampato 2020342 at http://www.wisebread.com Ask the Readers: Do You Have a Season or Annual Pass? http://www.wisebread.com/ask-the-readers-do-you-have-a-season-or-annual-pass <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-do-you-have-a-season-or-annual-pass" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_rollar_coaster_620954976.jpg" alt="Women riding roller coaster with annual pass" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Tim, Daniel, and Brian for winning this week's contest!</em></p> <p>Many parks, event venues, and popular attractions offer season or annual passes. They cost more upfront, but the best deals will pay for themselves after only a few visits, and they'll often come with other benefits like free parking or discounts on merchandise.</p> <p><strong>Do you have a season or annual pass?</strong> What does the pass offer, and what has been the most valuable feature? Will you renew the pass when it expires?</p> <p>Tell us whether you have a season or annual pass and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Follow our Executive Editor Janet Alvarez on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa318/" rel="nofollow" data-raflid="79857dfa318" data-theme="classic" data-template="" id="rcwidget_me0p0ai7">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, September 18th at 11:59 p.m. Pacific. Winners will be announced after September 18th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us whether you have a season or annual pass and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-do-you-have-a-season-or-annual-pass">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/ask-the-readers-what-are-your-best-entertainment-tips-a-chance-to-win-tickets-to-a-broadway-show">Ask the Readers: What are Your Best Entertainment Tips? (A Chance to Win Tickets to a Broadway Show!)</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/ask-the-readers-i-used-to-but-now-i">Ask the Readers: I used to __, but now I __ to save money.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</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/ask-the-readers-name-your-favorite-moment-of-2010">Ask the Readers: Name Your Favorite Moment of 2010</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/ask-the-readers-share-your-favorite-frugal-holiday-tradition">Ask the Readers: Share Your Favorite Frugal Holiday Tradition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Giveaways annual pass Ask the Readers season pass Tue, 12 Sep 2017 08:30:05 +0000 Ashley Jacobs 2017493 at http://www.wisebread.com How to Choose the Best Streaming Music Service for You http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-choose-the-best-streaming-music-service-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_girl_dancing_to_the_music.jpg" alt="Young girl dancing to the music" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;Without music, life would be a mistake,&quot; asserted Friedrich Nietzsche back in the 1800s. To many this quote still holds true today. But when the radio alone doesn't cut it, there are just so many different music streaming services, all offering slightly different exclusive benefits and prices. Here's your guide to help you choose the right one. (See also: <a href="http://www.wisebread.com/buy-or-subscribe-how-to-pay-the-least-for-the-media-you-love-the-most?ref=seealso" target="_blank">Buy or Subscribe: How to Pay the Least for the Media You Love the Most</a>)</p> <h2>1. Amazon Music Unlimited</h2> <p>With a catalog of millions of songs, you're bound to find something that you like at <a href="https://www.amazon.com/gp/dmusic/promotions/AmazonMusicUnlimited" target="_blank">Amazon Music Unlimited</a>. This service allows you curate your own playlists or create stations based on a song or artist.</p> <p>Amazon Music Unlimited provides discounts to Amazon Prime members, college students, and owners of Alexa-enabled devices. If you own an <a href="http://amzn.to/2iFUS6T" target="_blank">Amazon Echo</a>, <a href="http://amzn.to/2iFVn0L" target="_blank">Echo Dot</a>, <a href="http://amzn.to/2gp0d1t" target="_blank">Echo Show</a>, or <a href="http://amzn.to/2vH9vrQ" target="_blank">Amazon Tap</a> device and want to try out the service, ask &quot;Alexa, try Amazon Music Unlimited.&quot; (See also: <a href="http://www.wisebread.com/20-ways-amazons-alexa-can-make-your-life-easier?ref=seealso" target="_blank">20 Ways Amazon's Alexa Can Make Your Life Easier</a>)</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>Non-Prime members: $9.99 per month or $79 per year for an individual subscription, $14.99 per month for a Family Plan (up to six family members).</p> </li> <li> <p>Prime members: $7.99 per month or $79 per year for an individual subscription, $14.99 per month or $149 per year (two free months) for a Family Plan (up to six family members).</p> </li> <li> <p>Owners of Amazon Echo devices: $3.99 per month per single device.</p> </li> </ul> <p><strong>Note to Prime members:</strong> You already have access to over 2 million songs for ad-free and on-demand listening through Prime Music. (See also: <a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=seealso" target="_blank">7 Amazon Prime Perks You've Forgotten to Use</a>)</p> <h2>Apple Music</h2> <p>Competing for the top spot of the most available songs, <a href="https://www.apple.com/apple-music/membership/" target="_blank">Apple Music</a> services offers 40 million songs. And with a bankroll of over $250 billion, the Cupertino giant is able to secure some exclusive contracts with artists. For example, Chance the Rapper's <em>Coloring Book</em> was only available on Apple Music for the first two weeks of release. And you'll get access to on-demand radio-style shows hosted by DJs and artists, such as Pharrell Williams and Beastie Boys' Mike D, and Vampire Weekend's Ezra Koenig.</p> <p>Apple Music integrates your existing iTunes library, including all purchased tracks, uploads to <a href="https://support.apple.com/en-us/HT204146" target="_blank">iTunes Match</a>, and rips from physical CDs. This is a great feature for those who have already made a hefty investment in music through the Apple ecosystem.</p> <p>It's also compatible with vehicles equipped with CarPlay.</p> <h3>Pricing</h3> <ul> <li> <p>Free 90-day trial.</p> </li> <li> <p>Individual plan: $9.99 per month.</p> </li> <li> <p>Student plan: $4.99 per month, verification required and discounted price for up to 48 months.</p> </li> <li> <p>Family plan: $14.99 per month, requires iCloud Family Sharing (up to six people with up to 10 devices for each person).</p> </li> </ul> <h2>Bandcamp</h2> <p>Tired of services pushing mainstream tracks? Try to <a href="https://bandcamp.com/" target="_blank">Bandcamp</a> to uncover indie bands in unique genres. Did you know there were close to over 7,500 albums on Bandcamp tagged under the <em>vaporwave</em> genre in 2016?</p> <p>Bandcamp provides users the chance to directly support new artists. Fans have paid indie artists $236 million using Bandcamp to date. It's also a one-stop shop for artist merch and albums in physical format (cassettes and vinyls are very popular!). Bandcamp allows you to create and customize a page to share your music collection with anybody.</p> <h3>Pricing</h3> <ul> <li> <p>Listening is mostly free as long as the artist provides free access.</p> </li> <li> <p>Once you purchase a song or album, you get unlimited streaming through the Android or iOS app or any browser.</p> </li> <li> <p>Pricing varies greatly per artist, but some artists are willing to let you pay-what-you-want.</p> </li> </ul> <h2>Google Play Music</h2> <p>With over 35 million songs available for streaming, <a href="https://play.google.com/music/listen?u=0#" target="_blank">Google Play Music</a> is another top contender for the most songs online. Google Play Music is free to use, but you're limited to radio stations with ads (think Pandora) and up to 50,000 songs uploaded from your personal music collection without ads. Paid subscription plans get <a href="https://www.youtube.com/red" target="_blank">YouTube Red</a> bundled in, which eliminates ads on all YouTube videos, allows you to listen to music even when using other apps, and listen offline.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>Individual plan: $9.99 per month.</p> </li> <li> <p>Family plan: $14.99 per month (up to six people with up to 10 devices for each person).</p> </li> </ul> <h2>iHeartRadio</h2> <p>If you listen to radio, chances are that you have heard a spot asking you to give <a href="https://www.iheart.com/news/welcome-to-iheartradio-6906244/" target="_blank">iHeartRadio</a> a try. So far, over 100 million users have enjoyed iHeartRadio's library of 20 million songs and 800,000 artists.</p> <p>Listen to radio stations from all around the country, such as DC101 for Washington, D.C.'s alternative rock picks and POWER 106 for Los Angeles' freshest hip-hop. Paid plans enable you to save songs from live radio broadcasts to your playlists and instantly replay those songs.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial.</p> </li> <li> <p>iHeartRadio Plus: $4.99 per month.</p> </li> <li> <p>iHeartRadio All Access: $9.99 per month (All Access plan allows you listen to tracks offline, get unlimited access to songs, and create unlimited playlists).</p> </li> </ul> <h2>Napster</h2> <p>Yes, <a href="http://us.napster.com/pricing" target="_blank">Napster</a> is still around, and it joined forces with Rhapsody to form one global brand across 34 countries. This team-up provides access to over 30 million songs.</p> <p>This service allows Rhapsody members to access all of their playlists, favorites, and libraries. All plans require a subscription. Premier, Family, and Premier +1 include a feature for access to only kid-friendly music.</p> <h3>Pricing</h3> <ul> <li> <p>unRadio plan: free 14-day trial, then $4.99 per month (no ads, up to four stations for offline listening, unlimited skips and replays, and higher quality audio).</p> </li> <li> <p>Premier +1 plan: $14.99 per month (all the features from the Rhapsody Premier plan, plus the ability to stream in two locations with the same location).</p> </li> <li> <p>Premier plan: free 30-day trial, then $9.99 per month.</p> </li> <li> <p>Family plan: starting at $14.99 per month (up to five people).</p> </li> </ul> <h2>Pandora</h2> <p>Besides Napster, this is the way Millennials started listening to music via the web. Nowadays, it boasts a catalog ranging from 30 to 40 million songs.</p> <p>The more you use <a href="https://www.pandora.com/" target="_blank">Pandora</a> by liking and disliking songs, the better the app becomes at churning out personalized music recommendations.</p> <h3>Pricing</h3> <ul> <li> <p>Free with ads.</p> </li> <li> <p>Plus plan: free 30-day trial, then $4.99 per month (no ads, up to four stations for offline listening, unlimited skips and replays, and higher quality audio).</p> </li> <li> <p>Premium plan: free 60-day trial, then $9.99 per month (no ads, unlimited skips and replays, search and play any song, create playlists, download music for offline listening, and even higher quality audio).</p> </li> </ul> <h2>SoundCloud</h2> <p><a href="https://soundcloud.com/go" target="_blank">SoundCloud</a> is another option to explore music from independent artists. Think Myspace without the pink, glittery, animated backgrounds: a streamlined service that lets you listen whatever you want, find out what other users are listening to, and interact with artists and users. Many recording artists, like Drake, for example, post their music here before it hits other streaming services.</p> <h3>Pricing</h3> <ul> <li> <p>Free plan: access to over 120 million tracks with ads.</p> </li> <li> <p>Go plan: free seven-day trial, then $4.99 per month for web or Android app access or $5.99 per month for iOS app (no ads and offline listening).</p> </li> <li> <p>Go+ plan: free 30-day trial, then $9.99 per month for web or Android app access or $5.99 per month for iOS app access (no ads, offline listening, and full access to over 150 million tracks).</p> </li> </ul> <h2>Spotify</h2> <p>Developed in 2006 in Sweden, <a href="https://www.spotify.com/us/premium/" target="_blank">Spotify</a> has become the worldwide standard for music streaming services, allowing its users to browse music in almost any way. You can search by artist, track, album, or record label.</p> <p>Spotify lets you share an artist, album, or track via your Spotify profile, social media apps, email, or text message. Many artists record exclusive sessions (1,465 songs and counting!) for Spotify and anybody can listen to them for free. Fully integrated with PlayStation Music.</p> <h3>Pricing</h3> <ul> <li> <p>Free plans: listen to all tracks but with ads.</p> </li> <li> <p>Premium plan: free 30-day trial, then $9.99 per month (ad-free, unlimited skips, offline listening, and higher quality audio).</p> </li> <li> <p>Student plan: $4.99 per month (same features as Premium, verification required and discounted price for up to 12 months.</p> </li> <li> <p>Family plan: $14.99 per month, requires iCloud Family Sharing (up to six people).</p> </li> <li> <p>PlayStation owners: For PlayStation 3 and higher models, free with ads or Premium plan for just $2.00 for two months, then $9.99 per month.</p> </li> </ul> <h2>Tidal</h2> <p>Co-founder Jay Z dubbed <a href="http://tidal.com/" target="_blank">Tidal</a> as the &quot;first-ever artist owned streaming service.&quot; Other top-tier artists who own Tidal include Alicia Keys, Arcade Fire's Win Butler and Regine Chassagne, Beyoncé, Calvin Harris, Coldplay's Chris Martin, Daft Punk, Damian Marley, deadmau5, Indochine, J. Cole, Jack White, Jason Aldean, Kanye West, Lil Wayne, Madonna, Nicki Minaj, Rihanna, T.I. and Usher.</p> <p>As a member, you'll get access to exclusive content, such as single tracks, video clips, and rereleases from artists who own the streaming service and exclusives that those artists secure. You'll also have the option to stream music using FLAC &mdash; a more robust streaming format than MP3.</p> <h3>Pricing</h3> <ul> <li> <p>Free 30-day trial for all plans.</p> </li> <li> <p>Premium plan: $9.99 per month.</p> </li> <li> <p>HiFi plan: $19.99 per month (High Fidelity sound quality).</p> </li> <li> <p>Family Premium plan: $14.99 per month.</p> </li> <li> <p>Family HiFi plan: $29.99 per month (up to five people).</p> </li> <li> <p>Student Premium plan: $4.99 per month.</p> </li> <li> <p>Student HiFi plan: $9.99 per month.</p> </li> <li> <p>Military Premium plan: $5.99 per month.</p> </li> <li> <p>Military HiFi plan: $11.99 per month.</p> </li> </ul> <p><strong>Note</strong>: Some plans offer a discount when you prepay for six months. For example, the Premium plan drops to $8.49 per month.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-choose-the-best-streaming-music-service-for-you&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Choose%2520the%2520Best%2520Streaming%2520Music%2520Service%2520for%2520You.jpg&amp;description=How%20to%20Choose%20the%20Best%20Streaming%20Music%20Service%20for%20You"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Choose%20the%20Best%20Streaming%20Music%20Service%20for%20You.jpg" alt="How to Choose the Best Streaming Music Service for You" width="250" height="374" /></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/how-to-choose-the-best-streaming-music-service-for-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-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/3-subscription-services-every-traveler-needs">3 Subscription Services Every Traveler Needs</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-much-a-breakdown-of-concert-ticket-prices">How Much?! A Breakdown of Concert Ticket Prices</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-family-plans-can-save-you-tons">How Family Plans Can Save you TONS</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/new-ways-to-listen-to-music-for-free-or-cheap">New Ways to Listen to Music for Free or 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/which-online-services-are-worth-paying-for">Which Online Services Are Worth Paying For?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment amazon music apple music bandcamp google play monthly subscriptions music playlists spotify tidal Thu, 31 Aug 2017 08:30:11 +0000 Damian Davila 2012630 at http://www.wisebread.com What Fantasy Football Teaches Us About Personal Finance http://www.wisebread.com/what-fantasy-football-teaches-us-about-personal-finance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-fantasy-football-teaches-us-about-personal-finance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/american_football_player_is_celebrating.jpg" alt="American football player is celebrating" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's football season, meaning that you may be among the tens of millions of fantasy football fans glued to their screens each Sunday urging players to rack up points.</p> <p>Fantasy football is a blast, but it also has a lot in common with personal finance. Both things require a lot of knowledge and research to do well. Both require planning and patience. And there's also some luck.</p> <p>Let's take a look at all of the things fantasy football can teach us about personal finance. (See also: <a href="http://www.wisebread.com/9-things-football-teaches-us-about-money?ref=seealso" target="_blank">9 Things Football Teaches Us About Money</a>)</p> <h2>Have a strategy and know when to adjust</h2> <p>When preparing for a fantasy football draft, it helps to start by understanding how you want to construct your team. Will you be relying on a great quarterback and solid run game? Or do you want great wideouts and a staunch defense? Having your strategy mapped out in advance can help you make the right picks. Of course, you may not always get the players you want, so you will have to know when it's wise to change your strategy.</p> <p>Personal finance planning also requires a strategy. It's important to map out your financial goals and outline how you plan to achieve them. If you are investing, decide how you want to construct your portfolio based on your age and the amount you want to save. From there, you can make sensible choices about the investments that are right for you.</p> <h2>Superstars can help</h2> <p>Every fantasy football manager hopes to make a run at the championship with the help of one or two star players. They want a quarterback who can consistently throw for 350 yards and three touchdowns each week, and a running back who can repeatedly run for 100 yards and two scores. These stars can help cover other deficiencies on the team.</p> <p>The same can be true for investing, if you are lucky. We all dream of a portfolio filled with super stocks that outperform the markets year after year and bring consistent, positive returns. Finding these star investments is easier said than done, but if you can grab a few, you'll be in great shape &mdash; and the rest of your investments can get away with being less than stellar.</p> <h2>You can get by without a superstar</h2> <p>So what if your fantasy football team lacks a superstar? That doesn't mean you can't win. As long as you are getting solid production at every position, you can field a very competitive team. It's a little trickier without a superstar, because you can't get away with making as many bad picks. But many of the best fantasy football teams have been comprised of solid contributors across the board rather than a few top names.</p> <p>When investing, it's important to consider this approach. Look to build a portfolio of stocks, bonds, and other investments that are solid performers, without worrying too much about whether you've got one investment that will go gangbusters. An all-around mix of above average investments can easily get you on the path to financial freedom.</p> <h2>Seek substance over flash</h2> <p>There are some fantasy football players that get treated like shiny objects that everyone must have. But sometimes their reputation isn't backed up by their performance. You may find this is the case with many investments, as well.</p> <p>Are you drawn to buying shares of a company because there's a lot of buzz around it? Or have you taken the time to analyze earnings reports and balance sheets, check price-to-earnings ratios, and determine whether a company makes for a good investment? In both investing and fantasy football, it's important to let objective information guide your decisions.</p> <h2>Understand risk and reward</h2> <p>You may have your eye on a top quarterback who has been known to put up some big numbers, but he had back surgery in the offseason. You'd hate to miss out on his production if he has a great year, but what if you select him and he ends up on injured reserve? When selecting a fantasy football team, it's important to understand the possible risks in every pick, as well as the potential upside.</p> <p>These are concepts worth understanding when it comes to investing, as well. Some investments, such as stocks, offer the potential for great returns, but come with risk. Other investments are safer, but you may limit how much you can potentially earn. When assessing risk and reward, it's important to understand your own risk tolerances and your own goals before making a decision.</p> <h2>Do your homework</h2> <p>It's hard to achieve success in fantasy football if you don't know anything about the game. Sure, you may get lucky with a few picks, but to build a championship season, you need to study the players, read up on matchups, and read the independent analysis.</p> <p>The same is true for investing and other parts of personal finance. It's not wise to buy a mutual fund without studying its historical performance, its holdings, and its expense ratios. You should never get a mortgage loan or finance a car without understanding interest rates. &quot;Just winging it&quot; might work once in awhile, but it is generally bad as a strategy.</p> <h2>There aren't many secrets</h2> <p>Not too long ago, it was hard to get detailed information about football players until you read box scores in the morning paper. Projections were listed in large, printed volumes that were often outdated by the time the season started. Nowadays, there is a mind-boggling amount of up-to-date football information available at our fingertips.</p> <p>This is also true for data on anything related to personal finance, from investments and the financial markets, to interest rates, to the pricing of products. This abundance of available information means that there's no excuse for being unprepared. But it also means that it's trickier than ever to get an edge.</p> <h2>Pay attention, be ready to pounce</h2> <p>A large part of success in fantasy football is following games closely and understanding which players may be poised for a big game. This may mean jumping at a chance to pick up a team's backup quarterback right after their starter got hurt. It may mean picking up an unknown running back right after he broke out for an unexpected big game.</p> <p>In personal finance, it's equally important to have your eyes open and be prepared to act. It might mean locking in a loan when interest rates drop to historic lows. It may mean buying a stock right after news of a big jump in earnings. Or perhaps it's simply reading the local circulars for sales and taking advantage of great bargains at the grocery store.</p> <h2>Look for value</h2> <p>One of the keys to any successful fantasy football campaign is finding that late-round draft pick that turns into a stud. It may be a player that other competitors overlooked in favor of more high-profile names. Maybe it's the backup quarterback who turns into a starter and has a great year. These undervalued players often become the difference between good and great.</p> <p>When investing, it's also important to look for value. Find stocks and funds that are underpriced based on their underlying financials. Look to invest in companies that fell out of favor due to bad publicity but still have strong operations. It's easy to go after the hot name, but real wealth building comes from finding the diamonds in the rough.</p> <h2>Be patient and don't panic</h2> <p>Your fantasy football team came out of the gate slow and you've found yourself a few games behind early in the season. Your quarterback is off to a lousy start and your running backs can't find the end zone. You could blow up your team and try to make it with some different players, but it's often best to wait and see if your team turns things around.</p> <p>When investing and saving, it's helpful to follow the same principals. Wealth is hard to acquire quickly, and it's best to have a disciplined approach of consistently setting aside as much money as you can. It's also good to have faith in the markets, which generally go up over time. This is not to say you should never sell a bad stock or occasionally adjust your investing portfolio. But making frequent changes based on single events or your own emotions is not the key to victory.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhat-fantasy-football-teaches-us-about-personal-finance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhat%2520Fantasy%2520Football%2520Teaches%2520Us%2520About%2520Personal%2520Finance.jpg&amp;description=What%20Fantasy%20Football%20Teaches%20Us%20About%20Personal%20Finance"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/What%20Fantasy%20Football%20Teaches%20Us%20About%20Personal%20Finance.jpg" alt="What Fantasy Football Teaches Us About Personal Finance" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/what-fantasy-football-teaches-us-about-personal-finance">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/9-things-football-teaches-us-about-money">9 Things Football Teaches Us About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-lessons-we-can-learn-from-jay-z">7 Money Lessons We Can Learn From Jay-Z</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-money-lessons-we-can-learn-from-jk-rowling">4 Money Lessons We Can Learn From J.K. Rowling</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-money-management-tips-from-john-oliver">7 Best Money Management Tips From John Oliver</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-frugal-colonizers-guide-to-getting-to-mars">The Frugal Colonizer&#039;s Guide to Getting to Mars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment fantasy football football investing lessons NFL players quarterbacks touchdowns Mon, 28 Aug 2017 08:00:05 +0000 Tim Lemke 2009242 at http://www.wisebread.com 17 Creative, No-Mess Activities for Kids Stuck at Home http://www.wisebread.com/17-creative-no-mess-activities-for-kids-stuck-at-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-creative-no-mess-activities-for-kids-stuck-at-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_paint_mess_498734754.jpg" alt="Girl doing creative, no-mess activities at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Maybe you have a kid stuck at home because they're not old enough for school yet, or maybe they're home with a cold, or it's a snow day. It doesn't matter. This list is jam-packed with ideas to keep them occupied and fully entertained all day long, without a huge, sticky mess to clean after it's over. (See also: <a href="http://www.wisebread.com/50-fun-things-to-do-when-youre-stuck-inside-during-winter?ref=seealso" target="_blank">50 Fun Things to Do When You're Stuck Inside During Winter</a>)</p> <h2>1. Get pointillistic with dot markers</h2> <p><a href="http://amzn.to/2w5408c" target="_blank">Dot markers</a> have been around for a long time, used primarily for playing Bingo. I've found the best deals at the local dollar store.</p> <p>Use them to create connect-the-dots or to draw on plain paper. You could also have the kids try a <a href="https://www.youtube.com/watch?v=R9DX5MhkfYQ" target="_blank">crash course on pointillism</a>, a cool art technique that involves a lot of dots. They can use the dot markers to create their own pointillistic masterpieces.</p> <h2>2. Draw a comic strip</h2> <p>Your kiddo can be a cartoonist. First, print out blank comic strips or draw your own comic strips by marking out the lines on plain paper. Use a ruler to get them straight.</p> <p>Then they can use colored pencils, washable markers, or pens to draw and color in their own comic strips. Encourage them to make up new characters going on amazing adventures, or suggest that they simply draw out stories based on their own daily lives.</p> <h2>3. Make (and play) a ringtoss game</h2> <p>You can make a ringtoss game out of almost anything (just make sure it isn't sharp, or hard, or breakable). You'll need things that are ring-shaped or that you can bend into a ring shape, like pipe cleaners. Then you need a target: something thin and tall enough for the rings to slide over.</p> <p>To play, have your kids set the target up and take two or three big steps back from it. They toss as many rings over the target as they can. You can make it more interesting by adding in extra challenges, such as a time limit, smaller rings, or having them stand further away from the target.</p> <h2>4. Create your own board game</h2> <p>Your kids get to design the whole game: characters, the goal, the board, and the rules.</p> <p>Have them start by deciding what the goal is: how can someone win the game? Do they need to get a certain number of points? Or go all the way around the board? Then have them set some rules: do they roll dice or use a spinner? (They can use parts from other board games you own &mdash; such as dice or an hourglass &mdash; for their new game.)</p> <p>Suggest that they use whatever they can find as raw materials. For example, draw the game board on a piece of cardboard, cut paper into cards, create characters or game pieces out of modeling clay, or use tiny toys they already have.</p> <h2>5. Try an origami challenge</h2> <p>Start with some simple shapes for origami. There are a lot of YouTube tutorials, for example, a <a href="https://www.youtube.com/watch?v=KG62H5QaD2o" target="_blank">ninja star</a> or <a href="https://www.youtube.com/watch?v=z_ubB8Ff2Vs&amp;list=PLnoO3k54vcBQ_tNFyn7ukM1-LaQBAG2Ld" target="_blank">a baby chicken</a> or a <a href="https://www.youtube.com/watch?v=gSrVSbEdPEE&amp;index=10&amp;list=PL2vt_TPKQbZob-85AoY8Cxtj8LjigvTNk" target="_blank">water bomb</a>. (Obviously you should start with the water bomb.) When they've mastered a couple of the easier tutorials, have them try some harder shapes.</p> <h2>6. Build a tiny town</h2> <p>Hit up the recycling bin for empty plastic bottles and cardboard boxes. The thin cardboard is best, because it's easier to cut.</p> <p>They can build the structures of their town by cutting, stacking, and combining boxes and bottles. Cut out or draw on doors and windows. Washi tape or masking tape can be used to attach the structures together. Colored tape can also be used to designate roads through their very own tiny towns.</p> <h2>7. Make a marble run</h2> <p>Start with a hard surface (like the floor) and use toys and books to create a racecourse. Your kids can put in little obstacles; they should be small and light so the marble won't be stopped completely. To start the marble on its run, cut cardboard tubes (from toilet paper or paper towels) in half. Tape them together to make them longer. Stack one end on books or a table and make sure it slopes down into the beginning of the racecourse.</p> <h2>8. Make a toy car track</h2> <p>If they have some toy cars, they can make a custom track, with jumps and challenges, out of almost anything. My kids use stools or a stack of books and then pieces of cardboard, small boxes, or big, flat books to build ramps and jumps.</p> <p>They can even come up with tunnels and create obstacle courses. If they have blocks or Legos around, they can build some structures or tunnels for the cars to go through. Or demolish. That part is entirely up to them.</p> <h2>9. Create an ad</h2> <p>The idea of this game is for your kids to come up with their very own advertisement for a made-up product. So, to start with, have them come up with a product that they want to &quot;sell.&quot; It can be as stupid or silly or serious as they want it to be.</p> <p>Next, they need to come up with some ideas about how to advertise it. Maybe a story, or act out a scene, or perform a song. They can use costumes, props, a whole scene. My kids like to video their ads and then review and improve them. Or just laugh at them.</p> <h2>10. Make a music video or do karaoke</h2> <p>They should select their songs, decide on a script or choreographed dance if they're making a video, or just sing and dance their hearts out. Costumes and props make this extremely fun and allow them to be more immersed in the music.</p> <h2>11. Go on a scavenger hunt</h2> <p>A scavenger hunt can work inside or outside. You can come up with your own list and have them hunt around the house for them, or they can come up with their own list of ideas. They can decide to hunt as a team or go separately as a competition. Set a timer to make it more challenging and exciting.</p> <h2>12. Create a memory challenge</h2> <p>The kids will need a timer for this. They should start by finding five to 10 small objects: a marble, a toy car, a spoon, etc. Spread them out on a tray and look at them for 30 seconds. Then move the tray somewhere they can't see it and have them try to remember all the objects on the tray. They can write a list or draw a picture of each one. How many did they remember? If they got them all, add more objects, or start with a completely new set. Make it more challenging by giving them less time to look at the objects on the tray (try 20 seconds, and then 15).</p> <h2>13. Take a Lego building challenge</h2> <p>Kids can use any sort of building toy for this. Blocks or K'Nex or Magnetos will work just as well as Legos. First, make a list of 10 to 15 things they want to build. Or check out <a href="http://afewshortcuts.com/free-printable-lego-challenge-cards/" target="_blank">these printable Lego challenge cards</a> for inspiration.</p> <p>To do the challenge, choose something from the list to build. Then start building. They can use a timer to see how quickly they can build it. Or they can take their time and do the best possible job.</p> <h2>14. Tell some fortunes</h2> <p>This is fun to do with friends or siblings. Make some paper fortunetellers by following <a href="http://innerchildfun.com/2016/10/make-paper-fortune-tellers.html" target="_blank">these instructions</a>.</p> <p>Or, for a simpler version, you can play a game from my childhood (I know, right? So old.) called MASH. All you need is a piece of paper and something to write with. Here are <a href="http://mashplus.com/how-to-play-mash/" target="_blank">the full instructions</a>.</p> <h2>15. Do some pasta-marshmallow architecture</h2> <p>Get their inner architect to work with dry pasta. Seriously! They'll need dry spaghetti noodles and mini marshmallows. Gumdrops work too, if you're low on marshmallows.</p> <p>To build, stick the spaghetti noodles into the marshmallows and gumdrops to connect them and create structures. You can also use toothpicks, or break the spaghetti into pieces for shorter sections. You can start with simple squares and cubes, and then connect them for more complex structures. Here's <a href="https://modernparentsmessykids.com/stem-activity-gum-drop-engineering/" target="_blank">some inspiration</a> to get you started.</p> <h2>16. Make a felt board and pieces</h2> <p>You'll need felt, some cardboard, and scissors. To start, have the kids cover a cardboard with felt, then staple or carefully glue it on. They could use a few different colors of felt to create a background or setting. Maybe a green strip for grass on the bottom, and a gray triangle for a mountain.</p> <p>Next, they can cut out shapes with the rest of the felt. The felt shapes will stick to the felt board, so they can use them to create characters, settings, buildings, and all sorts of other stuff on the felt board.</p> <h2>17. Come up with 10</h2> <p>Need some more ideas? I got this method from a writer named <a href="http://www.jamesaltucher.com/2014/05/the-ultimate-guide-for-becoming-an-idea-machine/" target="_blank">James Altucher</a>, and it works well. You can do this or have your kids do this if they're bored.</p> <p>First, think of a problem or a question, like &quot;What are some cool things I can do by myself?&quot; or &quot;What could I do when I'm bored that won't get me in trouble?&quot; Then make a list of 10 ideas that answer your question. Don't stop at five or six. Your brain will want to. Don't let it be lazy. Insist on 10. Your brain saves all the really good ideas for eight and nine and 10.</p> <p>If you make one list, you can make another one. What's another question? How about, &quot;What can I do with my friends?&quot; or &quot;What are some things I want to learn about?&quot; or &quot;How can I not be bored?&quot; Make another list for each question. Make 10 lists! Now you have 100 ideas. (See also: <a href="http://www.wisebread.com/25-ways-to-entertain-your-child-for-free-or-cheap?ref-seealso" target="_blank">25 Ways to Entertain Your Child for Free or Cheap</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F17-creative-no-mess-activities-for-kids-stuck-at-home&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F17%2520Creative%252C%2520No-Mess%2520Activities%2520for%2520Kids%2520Stuck%2520at%2520Home_0.jpg&amp;description=17%20Creative%2C%20No-Mess%20Activities%20for%20Kids%20Stuck%20at%20Home"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/17%20Creative%2C%20No-Mess%20Activities%20for%20Kids%20Stuck%20at%20Home_0.jpg" alt="17 Creative, No-Mess Activities for Kids Stuck at Home" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/17-creative-no-mess-activities-for-kids-stuck-at-home">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-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/10-fun-money-apps-for-kids">10 Fun Money Apps for Kids</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/10-ways-to-keep-your-kids-prom-from-ruining-your-budget">10 Ways to Keep Your Kid&#039;s Prom From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family arts and crafts fun things to do games keep kids busy kid activities kids no mess activities things to do with your kids Fri, 25 Aug 2017 08:30:11 +0000 Annie Mueller 2008742 at http://www.wisebread.com How to Get Out of Social Obligations That Break Your Budget http://www.wisebread.com/how-to-get-out-of-social-obligations-that-break-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-out-of-social-obligations-that-break-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_party_hat_626134690.jpg" alt="Sad Bored Woman at a Party Having No Fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What do you do when you're on a tight budget, but you keep getting social invitations to events that you know will cost too much money? You don't want to start a long conversation about your finances. You don't want to hurt anyone's feelings. But you also don't want to blow your budget on gifts and events you can't afford. Here are several tactful ways to handle this social spending pressure. (See also: <a href="http://www.wisebread.com/7-nice-ways-to-tell-your-spendy-friends-youre-staying-on-budget?ref=seealso" target="_blank">7 Nice Ways to Tell Your Spendy Friends You're Staying on Budget</a>)</p> <h2>Do you want to participate?</h2> <p>First things first: when an invitation comes rolling in, assess your own interest in and desire to attend before you make any decisions. There's a social tendency to agree to invitations, as if you are obligated to say &quot;Yes&quot; merely because you were invited.</p> <p>However, no such obligation exists. Do you want to go, or not? If you do want to participate in the event, but the price tag is above your budget, look for a way to participate without taking on the total expense. One (or more) of the tactics listed below will serve you well.</p> <p>If you'd rather stay home in your pajamas and watch Netflix (always my weekend preference, honestly), you can also do that.</p> <h2>Use the same communication method used for the invitation</h2> <p>If you got a Facebook invite, you can respond via Facebook. If you got a phone call, respond in kind. If you received a hand-lettered invitation in a wax-sealed envelope, it's time to handwrite a beautiful letter.</p> <h2>Start with gratitude</h2> <p>Don't lead with the &quot;No.&quot; Never lead with the &quot;No.&quot; Instead, lead with appreciation for the invitation itself. Something like, &quot;Thank you for including me in this special event,&quot; or, less formal, &quot;Thanks so much for inviting me!&quot;</p> <h2>State a clear but firm &quot;No&quot;</h2> <p>Don't say maybe if you mean no, as you'll end up having to repeat the conversation. If you're clear enough the first time around, that will be enough. Try something like, &quot;Unfortunately, I won't be able to attend,&quot; or &quot;We will not be able to come.&quot;</p> <h2>Don't give a reason</h2> <p>Stifle the urge to explain yourself. You don't have to, and anyone with decent manners will not press you for a reason. (This excludes your circle of closest friends, who will bug you for a specific reason until you give them one. If they're good friends, though, they'll want to support your financial goals, not destroy them.)</p> <h2>End with specific good wishes</h2> <p>Wrap up your RSVP with a wish for a great event or whatever is appropriate. The more specific it is, the more sincere it sounds. Generic well wishes sound, well, generic.</p> <p>Obviously, this method is a little trickier with a phone or in-person conversation, however, you can follow the basic steps. You can even write a little script ahead of time. Stick to your guns: you're saying no, and you don't have to explain why. Be appreciative, polite, and firm.</p> <h2>Take a homemade gift</h2> <p>If you're dealing with a birthday party or other celebratory event that traditionally mandates a gift, bringing a homemade gift is a good tactic. Homemade gifts can be simple and classy, cheap, and very appreciated. Who wouldn't love a <a href="http://www.wisebread.com/10-homemade-liqueurs-to-bottle-now-for-tasty-holiday-gifts" target="_blank">homemade liqueur</a> or selection of <a href="http://www.wisebread.com/5-amazing-easy-diy-bath-and-body-products" target="_blank">luxurious bath products</a>?</p> <p>Personalization makes a gift special, so think about the recipient and try to incorporate their preferences and interests in some aspect of the gift. (See also: <a href="http://www.wisebread.com/25-thoughtful-and-frugal-personalized-gift-ideas?ref=seealso" target="_blank">25 Thoughtful and Frugal Personalized Gift Ideas</a>)</p> <h2>Come late, leave early</h2> <p>If you control your timing, you have more control over your expenses. If the event is dinner and a movie, why not skip the dinner and show up for the movie? You still get to hang out with your friends, but you've eaten at home and saved money at the same time.</p> <p>Leaving early can work the same way. Maybe you'll go to the ballgame but skip the bar crawl afterward, and go home with money still in your pocket. (See also: <a href="http://www.wisebread.com/being-frugal-without-giving-up-your-social-life?ref=seealso" target="_blank">Being Frugal Without Giving Up Your Social Life</a>)</p> <h2>Offer an alternative</h2> <p>Participate, but on your terms by offering an alternative to the specific invitation or activity. For example, &quot;I want to be in your wedding, but I can't handle the financial responsibilities of being a bridesmaid right now. Is there a smaller role I could take to be part of your day?&quot;</p> <p>Or, brainstorm some alternative, cheaper activities and offer them up to the host or coordinator, such as, &quot;Instead of going to the casino, why don't we all go to the beach?&quot; (See also: <a href="http://www.wisebread.com/10-ways-to-have-a-cheaper-evening-hanging-out-with-friends?ref=seealso" target="_blank">10 Ways to Have a Cheaper Evening Hanging Out With Friends</a>)</p> <h2>Host it yourself</h2> <p>Be the hostess with the mostest&hellip; the mostest money, that is. You don't have to go out to get together. Offer to host your friends for a potluck dinner party. I used to have these monthly, setting a theme for each one. They're lots of fun, have delicious food, and offer stress-free, low-budget socializing.</p> <p>Or host an in-home movie night, or come up with your own specific version of hijinks and hilarity, on your turf and in your budget.</p> <h2>Set a no-product policy</h2> <p>I absolutely love the idea of setting a policy for the frequent social invitations that are oriented toward getting you to spend money. You know what I'm talking about: product parties. You may love the bags, or the leggings, or the wraps, or whatever, but chances are, it's not in your budget. Instead of picking and choosing which ones you'll participate in, give yourself a blanket policy: &quot;For the sake of my budget, or reaching my financial goals, or not filling my house with embroidered bags, I have a No-product-parties policy. Thanks for the invitation, though!&quot;</p> <h2>Eat first and BYOB</h2> <p>If you're meeting friends for the evening but don't want to bust your budget on a pricey meal and overpriced drinks, eat an early dinner at home before you go. You can order an appetizer or share a dessert for a fraction of the cost, or sip your drink and enjoy the conversation. Bonus points if you bring your own flask, order a single drink and top it off yourself.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-get-out-of-social-obligations-that-break-your-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Get%2520Out%2520of%2520Social%2520Obligations%2520That%2520Break%2520Your%2520Budget.jpg&amp;description=Here's%20How%20You%20Should%20Budget%20Your%20Social%20Security%20Checks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Get%20Out%20of%20Social%20Obligations%20That%20Break%20Your%20Budget.jpg" alt="How to Get Out of Social Obligations That Break Your Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/how-to-get-out-of-social-obligations-that-break-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">5 Times Splurging on Experiences Is a Bad Idea</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/14-things-good-hosts-never-do">14 Things Good Hosts Never Do</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-attend-a-wedding-for-cheap-without-actually-looking-cheap">How to Attend a Wedding for Cheap (Without Actually Looking 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/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> Entertainment Lifestyle etiquette rules manners party party etiquette saving money social obligations weddings Wed, 23 Aug 2017 08:30:11 +0000 Annie Mueller 2007142 at http://www.wisebread.com 7 Ways Your Bartender Is Ripping You Off http://www.wisebread.com/7-ways-your-bartender-is-ripping-you-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-your-bartender-is-ripping-you-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/juice_for_client.jpg" alt="your bartender is ripping you off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's be clear, most bartenders out there are great. They're professional, they enjoy interacting with customers, and they work incredibly hard. But sometimes you'll come across a bartender who is not giving you what you're paying for. That could be for a number of reasons. He or she may be under orders from the owner to cut corners and save money. The customer could be difficult, or even rude. Or, the bartender is finding ways to pocket cash. Whatever the reason, here are the most common ways your bartender can rip you off.</p> <h2>1. The rim dip</h2> <p>This is a sneaky way to serve you less alcohol than you paid for, by tricking your senses into smelling and tasting a strong drink. The bartender can do this in several ways, but the outcome is the same; the rim of the glass will be dipped in the alcohol of your choice, from vodka or gin, to whiskey or brandy. The easiest method is to have a sponge soaked in alcohol out of sight. You order your drink, the bartender dips the rim of the glass in the sponge, then pours a drink that's very light on alcohol. You don't realize this because you taste and smell alcohol every time you take a sip. If you are watching the bartender closely, and the glass disappears from sight for a few seconds, you could be a victim of the rim dip.</p> <p>The easiest way to find out is to wipe the rim of the glass thoroughly with a napkin and take another sip. Is it weak? Then you've been had.</p> <h2>2. The long pour</h2> <p>Next time your bartender goes all Tom Cruise in <em>Cocktail'</em>on you, be skeptical. One of the easiest ways to trick you into thinking you're getting more booze than you actually are is the long pour. By pulling the bottle away from the glass and creating a long stream of alcohol, you believe you're getting a healthy shot. But it's an illusion. The amount of alcohol you get is based on the time it takes to come out of the spout, and has nothing to do with the length of the stream. These long pours are done quickly, and therefore cheat you of alcohol. Sometimes the bartender doesn't even realize they are shortchanging you, believing the showmanship is all part of the experience. If you want what you pay for, ask the bartender to cut the theatrics. (See also: <a href="http://www.wisebread.com/15-ways-to-save-money-when-getting-your-drink-on?ref=seealso" target="_blank">15 Ways to Save Money When Getting Your Drink On</a>)</p> <h2>3. The diluted bottle</h2> <p>To be fair, this is usually a collaboration between the bartender and the owner. But however it happens, it's an easy way to rip off customers in plain sight. The bartender will simply add water to the liquor in the bottle, be it a clear spirit, or something darker. It's only going to be around 10 to 15 percent of the bottle's volume, which makes it very difficult for the average customer to detect. But it's very profitable for the bartender and the owner. However, you see nothing wrong because the pours all look legit.</p> <p>This is a tough one to catch. The only way to know for sure is to test a neat shot from an open bottle against a neat shot from a bottle that has not yet been touched. And that's not likely to happen in a busy bar scenario.</p> <h2>4. The brand swap</h2> <p>The simplest way to achieve the brand swap is to pour cheap liquor into empty bottles of a more expensive brand. Another way is to apply expensive labels to bottles of a cheaper brand, but this is time-consuming and tricky to pull off. Either way, the result is that you're paying for a higher quality of liquor than you're receiving. With some drinks, it's very difficult to tell, especially with vodka and rum. But if you're a whiskey or bourbon aficionado, you're likely to detect the switch. However, most bars stay away from this one as it's a crime, and can result in fines and the revocation of their liquor license.</p> <h2>5. The light mixer</h2> <p>This is not exactly a rip off, but more a trick to get you to believe that your bartender is giving you strong pours, while also making you finish your drink more quickly. Basically, the bartender will add a little extra ice to the drink, a regular shot of liquor, and a smaller amount of mixer. This has the effect of making you think your bartender just hooked you up with a strong drink, when in fact, you simply got a lower mixer-to-alcohol ratio. You might be inclined to tip your bartender more, you'll finish your drink in less time (and therefore buy more drinks in an hour than you would have), and you'll actually get inebriated more easily. If your drink tastes strong, you can always ask for more mixer to be added. (See also: <a href="http://www.wisebread.com/bookmark-this-how-much-to-tip-in-almost-every-situation?ref=seealso" target="_blank">Bookmark This: How Much to Tip in Almost Every Situation</a>)</p> <h2>6. The liquored-up straw</h2> <p>If you order a drink that naturally comes with a straw, you may be getting scammed. In this illusion, the bartender has a series of containers behind the counter filled with different liquors and straws. The straws become filled with the alcohol. The bartender will then mix your drink with very little alcohol, and add the boozy straw at the end. As you take your first sip, you will get a big hit of alcohol and think that the bartender has hooked you up with a heavy pour. In fact, you got almost no alcohol.</p> <p>The easiest way to spot this is to sip directly from the glass first. Then, sip from the straw. Notice a big difference? You just got played.</p> <h2>7. The top shelf exchange</h2> <p>You order a drink &mdash; let's say a vodka and orange juice &mdash; and it arrives. It tastes great. You order a few more. Then you get the bill. Instead of making your screwdriver with a basic vodka brand, the bartender has poured you one of the expensive options, such as Ketel One, Grey Goose, or even Stoli Elit. The markup on these bottles is huge, and instead of paying $7 for your drink, you're suddenly seeing $14 per cocktail.</p> <p>Very few bartenders go in for this practice. It's a surefire way of losing customers after just one visit. But places that see a lot of tourist traffic, and few repeat customers have been known to pull it. Just make sure you ask for the cheapest brand when you're getting your cocktails. If you're drinking neat, or with a splash of water or ice, then you will probably be asked what brand you desire.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-your-bartender-is-ripping-you-off&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520Your%2520Bartender%2520Is%2520Ripping%2520You%2520Off.jpg&amp;description=7%20Ways%20Your%20Bartender%20Is%20Ripping%20You%20Off"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Ways%20Your%20Bartender%20Is%20Ripping%20You%20Off.jpg" alt="7 Ways Your Bartender Is Ripping You Off" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/7-ways-your-bartender-is-ripping-you-off">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-save-money-at-the-bars">4 Ways to Save Money at the Bars</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/what-booze-teaches-us-about-money">What Booze Teaches Us 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-smart-shoppers-will-save-at-amazons-whole-foods">How Smart Shoppers Will Save at Amazon&#039;s Whole Foods</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Food and Drink bar bar hopping bartender drinks happy hour saving money weekend plans Tue, 15 Aug 2017 09:00:05 +0000 Paul Michael 2003034 at http://www.wisebread.com Best Money Tips: Ways to Save Money on Streaming Services http://www.wisebread.com/best-money-tips-ways-to-save-money-on-streaming-services <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-money-on-streaming-services" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_watching_tv_153977827.jpg" alt="Woman saving money on streaming services" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on ways to save on streaming services, lifestyle changes to make while you&rsquo;re paying off debt, and over 200 amazing upcycling ideas.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.threethriftyguys.com/2017/08/how-to-save-money-on-your-streaming-services/">6 Ways to Save Money on Your Streaming Services</a> &mdash; Hit up the streaming service's chat support and see if the rep can get you a month of free service or another special. [Three Thrifty Guys]</p> <p><a href="http://runthemoney.com/lifestyle-changes/">3 Lifestyle Changes To Make While Paying Down Debt</a> &mdash; Reconsider where you live. Moving in with family, or moving to a less expensive area, can help you save on housing costs. [Run The Money]</p> <p><a href="https://www.popsugar.com/smart-living/Cool-Upcycling-Projects-24338804">200+ Upcycling Ideas That Will Blow Your Mind</a> &mdash; Get your DIY on! Here are over 200 projects that use ordinary household items. [PopSugar Smart Living]</p> <p><a href="http://www.experian.com/blogs/news/about/simple-ways-avoid-financial-stress/">Simple Ways to Avoid Financial Stress</a> &mdash; Money can be a huge stressor, especially if your finances aren't entirely in order. Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on tips and tricks for alleviating financial stress. [Experian]</p> <p><a href="https://blog.cheapism.com/airport-layover-secrets-17353/">Stuck on a Layover? Secrets to Beat Boredom in 20 Major Airports</a> &mdash; Check into a Minute Suite in Dallas-Fort Worth to escape the airport noise and crowds. Each private suite includes a daybed sofa, a sound masking system and a computer equipped with a 32-inch screen and DirectTV. [Cheapism]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.smallfootprintfamily.com/sea-salt-is-better-than-table-salt">Why Salt is Good for You, But Some Salt is Better Than Others</a> &mdash; Unlike refined salt (like table salt) which contains only 2 or 3 elements, natural whole salt contains about 80 mineral elements that are essential in very small amounts for a variety of functions in the body. [Small Footprint Family]</p> <p><a href="https://www.csmonitor.com/Business/2017/0811/Amazon-ramps-up-research-on-pre-made-meals-but-will-home-cooks-buy-them">Amazon ramps up research on pre-made meals, but will home cooks buy them?</a> &mdash; These quick and easy meals use technology originally developed for the U.S. military to produce tasty prepared meals that don't need refrigeration. [The Christian Science Monitor]</p> <p><a href="http://www.livingwellspendingless.com/2017/08/14/simple-ways-to-support-your-childs-teacher/">Simple Ways to Support Your Child&rsquo;s Teacher</a> &mdash; A super easy way to support your child's teacher and their school is to share school events on social media, via email, or even paper flyers. Help them get the word out! [Living Well Spending Less]</p> <p><a href="https://www.listenmoneymatters.com/rental-property-neighborhood/">Key Factors to Finding the Perfect Rental Property Neighborhood</a> &mdash; Before you decide on a neighborhood for rental property, find out how long properties in the area usually sit empty between tenants. [Listen Money Matters]</p> <p><a href="https://www.pickthebrain.com/blog/lost-and-stuck-in-your-job-7-simple-truths-to-shift-to-a-career-you-love/">Lost and Stuck in Your Job: 7 Simple Truths to Shift to a Career You Love</a> &mdash; Know that you are never tied to one career for life. If one no longer suits you, can always do something else. [Pick The Brain]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-save-money-on-streaming-services">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-ways-to-stream-tv-and-movies-for-free">The 8 Best Ways to Stream TV and Movies for Free</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tricks-for-a-better-netflix-experience">6 Tricks for a Better Netflix Experience</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-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</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/47-cheap-fun-things-to-do-this-weekend">47 Cheap, Fun Things to Do This Weekend</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/never-pay-for-a-redbox-dvd-rental-again">Never Pay for a RedBox DVD Rental Again</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment best money tips streaming Tue, 15 Aug 2017 08:00:08 +0000 Amy Lu 2003172 at http://www.wisebread.com 5 Times Splurging on Experiences Is a Bad Idea http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-splurging-on-experiences-is-a-bad-idea" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_having_a_duh_moment.jpg" alt="Man having a duh moment" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're a regular reader of Wise Bread, you know that we encourage you to <a href="http://www.wisebread.com/4-reasons-you-should-splurge-on-experiences-not-things?ref=internal" target="_blank">spend your money on experiences</a> rather than material things. You will be happier if you make great memories, rather than stockpiling great electronics, clothes, shoes, watches, and jewelry. But there are two sides to every story. And sometimes, these experiences are just not worth the splurge.</p> <h2>1. Exotic destination weddings</h2> <p>We've all received those wedding invitations that, at first, seem like a dream come true. We picture ourselves tanning on a beach in Hawaii or Jamaica with a cocktail and a smile. But that's usually not the case. Destination weddings don't give you a lot of time to yourself. You are there for the bride and groom. It's their big day, they've spent a lot of money on it. You'll be expected to go to rehearsals, receptions, and other parties. You may well have to hang out with a bunch of people you don't know or even like all that much. And to top it all off, you're paying through the nose to go on this trip. It will likely cost thousands. You might make some good memories from it, but this isn't the same as a vacation on your own terms. (See also: <a href="http://www.wisebread.com/6-ways-to-resist-a-splurge?ref=seealso" target="_blank">6 Ways to Resist a Splurge</a>)</p> <h2>2. Tickets to the Super Bowl</h2> <p>Blasphemy, right?! Well, not really. When it comes down to it, a trip to the Super Bowl is a great experience if you can get it for the right price. But if you're buying the tickets through the secondary market, or even worse, getting an &quot;On Location Experience,&quot; you are going to be spending a small fortune. SeatGeek.com states that the <a href="https://seatgeek.com/events/super-bowl" target="_blank">average price of a Super Bowl 52 ticket</a> will be between $2,500 and $3,000. For those On Location Experiences, you're looking at between $6,000 to $12,000. Up to $12,000 to see a football game. Now, think about the experience you're going to have for that money. You're there, in the stadium, but most of the time you're actually watching the action on the big screen projection. You're paying an arm and a leg for food and drinks. You also had to pay to get to the Super Bowl and stay in a hotel, unless you're lucky enough to live in that city. (See also: <a href="http://www.wisebread.com/how-one-man-used-credit-card-rewards-to-go-to-the-last-11-super-bowls?ref=seealso" target="_blank">How One Man Used Credit Card Rewards to Go to the Last 11 Super Bowls</a>)</p> <p>What else could you do with that money? How about two weeks in Europe? Or Japan? Or paying down debt? Wouldn't that be a better use of your money? Forget the Super Bowl experience, and watch it on a big screen at home with your friends and family.</p> <h2>3. Extremely high-priced restaurants</h2> <p>There are some restaurant experiences that balance good food with a reasonable check at the end of the meal. And there are others that just blow the budget completely out of the water. You may be thinking that once, just once, you want to spend a whole lot of money on an amazing meal &hellip; just to experience it. Well, honestly, you will not be getting your money's worth. For example, <a href="http://www.wisebread.com/10-of-the-worlds-most-expensive-restaurants" target="_blank">Sublimotion in Spain</a> charges over $2,000 per person for a series of 15-20 small courses. It gets exceptional reviews of course, but $2,000 for a meal is just an absurd waste of your cash, and you will find stunning food in your area for way, way less money. (See also: <a href="http://www.wisebread.com/the-worlds-most-affordable-michelin-starred-restaurants?ref=seealso" target="_blank">The World's Most Affordable Michelin-Starred Restaurants</a>)</p> <h2>4. A trip on the Orient Express</h2> <p>I mean, it's a train. It may be the most famous train the world, but is it worth the cost to ride? If you were to book a <a href="https://www.luxury-trains.co.uk/orient-express/venice-simplon-orient-express-train-fares.htm" target="_blank">cabin suite from Paris to Istanbul</a>, the cost is almost $16,000! If you instead opt for a double or single room, it's still up there at around $8,000! And what do you get for that? Honestly, not all that much. Some nice food, some fancy service, and nice views.</p> <p>However, if you purchase a First Class InterRail ticket for the same journey, with the same views, you will only be out of pocket around $400 per person. Don't bother with the Orient Express. It's overpriced and underwhelming, and includes a lot of wood paneling and polished brass.</p> <h2>5. The big fight</h2> <p>Despite the phenomenal rise in popularity of UFC, world-class boxing matches still command massive audiences. And it seems massively inflated ticket prices, too. In 2015, Forbes reported that the Floyd Mayweather Jr. versus Manny Pacquiao fight had ticket prices so incredible they broke records. As hard as it is to believe, some tickets went on sale for upward of $350,000! That's right, over a quarter of a million dollars, for a fight that many thought did not come close to living up to the title of &quot;Fight of the Century.&quot; If you're thinking, <em>Well, yeah, but most tickets didn't cost anywhere near that price,</em> then you're right. The worst seats in the house were being sold for over $3,500 per ticket. And that would have gotten you on the upper level with a view that left a lot to be desired. People were spending upward of $150 to attend the weigh-in for that fight! And these fights will continue to garner a lot of attention, and ask for grossly-inflated sums of money. Watch it on Pay-Per-View if you really want to see it, and split the cost with your friends.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-times-splurging-on-experiences-is-a-bad-idea&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Times%2520Splurging%2520on%2520Experiences%2520Is%2520a%2520Bad%2520Idea.jpg&amp;description=5%20Times%20Splurging%20on%20Experiences%20Is%20a%20Bad%20Idea"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Times%20Splurging%20on%20Experiences%20Is%20a%20Bad%20Idea.jpg" alt="5 Times Splurging on Experiences Is a Bad Idea" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master">11 Budgeting 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/how-to-get-out-of-social-obligations-that-break-your-budget">How to Get Out of Social Obligations That Break Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling">12 Ways to Save and Make Money While Traveling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment expensive things experiences material things saving money spending splurges travel vacation weddings Thu, 27 Jul 2017 09:00:04 +0000 Paul Michael 1990724 at http://www.wisebread.com 10 Books to Read for a Better Money Mindset http://www.wisebread.com/10-books-to-read-for-a-better-money-mindset <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-books-to-read-for-a-better-money-mindset" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_in_a_library.jpg" alt="Girl in a library" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It can be lonely living in a frugal world; maybe you're surrounded by big spenders, or mocked for being a penny pincher. Or maybe you struggle to see the long-term goals in the midst of short-term needs. Peruse this list of books for your next read, and build a stronger, proactive, and positive money mindset. (See also: <a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires?ref=seealso" target="_blank">10 Beloved Books of Successful Millionaires</a>)</p> <h2>1. <em>A</em>&nbsp;<em>Conflict of Visions</em> by Thomas Sowell</h2> <p>Read <a href="http://amzn.to/2tntlYU" target="_blank">A Conflict of Visions</a> for a big picture, to understand why people think about and react to money issues the way they do. A dense read, this isn't one you'll grab for the beach. Instead, grab your highlighter and tackle a chapter at a time. You'll learn a lot about money and why people have so many conflicts with it, which might, in the end, help you feel less conflicted.</p> <h2>2. <em>The Power of Less</em> by Leo Babauta</h2> <p>Successful blogger, author, and father of six, Leo Babauta knows a few things about handling money and a life of many responsibilities. His book, <a href="http://amzn.to/2tnuijR" target="_blank">The Power of Less</a>, will help you appreciate what less can bring you, in both business and in life. It's liberating to realize that pursuing more, whether personally or financially, won't necessarily lead to more life satisfaction or more success.</p> <p>Babauta advises readers to take a quality over quantity approach, focusing on what's most important and treating the rest as a distraction. It's a lesson you can use in many areas of life (decluttering session, anyone?) but when applied to your money management, this approach can make it easier for you to focus on your best money moves and quit worrying about what everybody else is doing.</p> <h2>3. <em>The Worldly Philosophers</em> by Robert L. Heilbroner</h2> <p>In this classic, Heilbroner examines the history of economic thought by walking the reader through the &quot;lives, times, and ideas of great economic thinkers.&quot; You'll learn not only about the economic philosophies developed by, say, John Stuart Mill or John Maynard Keynes, but also about the political upheavals and cultural issues that influenced and motivated them. If you're looking for a big-picture look at money and the economic systems that have been built around it, make <a href="http://amzn.to/2gQUX6H" target="_blank">The Worldly Philosophers</a> your next read.</p> <h2>4. <em>Thinking, Fast and Slow</em> by Daniel Kahneman</h2> <p>In <a href="http://amzn.to/2vttLOI" target="_blank">Thinking, Fast and Slow</a>, Kahneman explores the inner workings of the mind. Specifically, he introduces the reader to fast thinking, which is quick and instinctive, and slow thinking, which is deliberate and more logical. These two thinking systems, Kahneman explains, can and do serve us well; however, if we don't understand their weaknesses, we can be misled by mental biases into decisions that don't serve us well. Read this book to solidify your commitment to making money decisions based on long-term goals rather than short-term desires.</p> <h2>5. <em>Debt Is Slavery</em> by Michael Mihalik</h2> <p>Mihalik's direct, powerful book on dealing with debt is a great one for bettering your money mindset, because that's his whole premise. In <a href="http://amzn.to/2uHO4KH" target="_blank">Debt Is Slavery</a>, Mihalik argues that getting better at money happens when you get better at how you think about money, because, he says, &quot;all action is born from thought.&quot;</p> <p>There's no fluff here; <em>Debt Is Slavery</em> gets straight to the point in each chapter and provides practical steps for, first, changing the way you think about money and then changing what you do with it. If you're struggling to get out of debt and wondering if it's worth the trouble, read this book to renew your motivation and maybe even improve your debt-reduction strategies.</p> <h2>6. <em>Material World: A Global Family Portrait</em> by Peter Menzel, Charles C. Mann, and Paul Kennedy</h2> <p>It's easy to fall into a bubble, then forget you're in it. For a fascinating journey far outside your bubble, take a look at <a href="http://amzn.to/2ujlCML" target="_blank">Material World</a> by renowned photojournalist Peter Menzel. Each portrait &mdash; of an &quot;average&quot; family and all their worldly possessions &mdash; provides a point of vivid comparison: your standard of living next to that of people in many diverse areas of the world. Some will make you feel absolutely frugal, while others (most, perhaps?) will make you feel like you live at the height of excess.</p> <h2>7. <em>The Intelligent Investor</em> by Benjamin Graham and Jason Zweig</h2> <p>Warren Buffett (who is also a collaborator on the book), calls it &quot;by far the best book on investing ever written.&quot; <a href="http://amzn.to/2vsY9IS" target="_blank">The Intelligent Investor</a> was first published in 1949 and has since been updated for the current marketplace with commentary by Jason Zweig, personal finance columnist for <em>The Wall Street Journal</em>. If you want to solidify your understanding of investment options and move your mindset from a timid, maybe-investor to a knowledgeable practitioner of value investing, this is the book for you.</p> <h2>8. <em>If You Can: How Millennials Can Get Rich Slowly</em> by William Bernstein</h2> <p>Written specifically to help a younger generation gain better financial footing, <a href="http://amzn.to/2tnT0Al" target="_blank">If You Can</a> is also available as a <a href="http://efficientfrontier.com/ef/0adhoc/2books.htm" target="_blank">free downloadable booklet</a> on the author's website. Bernstein recognizes that the theory of saving and investing money is fairly simple, but the practice of it is much more difficult. He outlines five hurdles that the reader must overcome in order to succeed financially. Read it to understand clearly what's tripping you up.</p> <h2>9. <em>Your Money or Your Life</em> by Vicki Robin</h2> <p>Robin's book is a practical manual on personal financial management. It's also a book that will help you connect the dots between your money, your choices, and your ability to live according to your own values and priorities. In <a href="http://amzn.to/2gQHg7Y" target="_blank">Your Money or Your Life</a>, you'll learn to equate time with money, and to make money decisions with the time-cost in mind. Suddenly, that $170 pair of shoes isn't so appealing when you calculate the price in hours of your life rather than dollars in your bank account. By shifting the way you think about money and value, you can see saving and investing as the reward it is, rather than as a self-imposed deprivation.</p> <h2>10. <em>Nickel and Dimed</em> by Barbara Ehrenreich</h2> <p>In <a href="http://amzn.to/2uiV0wW" target="_blank">Nickel and Dimed</a>, Ehrenreich went undercover and exposed how difficult it is to get anywhere past financial survival while living on minimum wage. She opened up a big conversation on what it means to be rich and how disparate the lives of the poor, middle class, and wealthy can be: So disparate, in fact, that those in this financial segment may feel completely alienated from those in the other, unable to understand their motives, purposes, or needs.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-books-to-read-for-a-better-money-mindset&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Books%2520to%2520Read%2520for%2520a%2520Better%2520Money%2520Mindset.jpg&amp;description=10%20Books%20to%20Read%20for%20a%20Better%20Money%20Mindset"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Books%20to%20Read%20for%20a%20Better%20Money%20Mindset.jpg" alt="10 Books to Read for a Better Money Mindset" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/10-books-to-read-for-a-better-money-mindset">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">5 Easiest Ways to Score Free eBooks</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-new-podcasts-thatll-improve-your-money-mindset">10 New Podcasts That&#039;ll Improve Your Money Mindset</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-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">5 Times Splurging on Experiences Is a Bad Idea</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-audiobooks-about-money-you-need-to-hear">5 Audiobooks About Money You Need to Hear</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment books books to read finance books money advice money books money mindset new books reading list Wed, 26 Jul 2017 08:30:19 +0000 Annie Mueller 1990781 at http://www.wisebread.com 7 Money Lessons We Can Learn From Jay-Z http://www.wisebread.com/7-money-lessons-we-can-learn-from-jay-z <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-lessons-we-can-learn-from-jay-z" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/jay_z_singing.jpg" alt="Jay Z singing" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hip-hop artist Jay-Z recently dropped his latest release, <em>4:44</em>, and is already getting praise for an album that's fresh, honest, and full of insightful commentary.</p> <p>Any observer of Jay-Z's career can learn a thing or two about entrepreneurship and handling money, as the man is worth upward of $800 million according to recent estimates. But <em>4:44</em> has some great new insights on the value of saving and investing, supporting your community, and passing wealth on to the next generation.</p> <h2>1. Diversify your income</h2> <p>Jay-Z isn't just a rapper. He's a founder and owner of record companies. He has a clothing line and a sports bar. He's a part owner of the NBA's Brooklyn Nets. He has involvement in the casino and real estate industries. He owns the majority of the music streaming service, Tidal. All of this has allowed him to amass a net worth of reportedly more than $800 million, far more than he could make from music alone. He's set for life even if he never raps another word, and if any one of his revenue streams falters, he has plenty of other streams coming in.</p> <h2>2. Get married</h2> <p>There are many benefits to being married, and it can often be great for your finances. Having a joint income can improve your buying and borrowing power, and boost the overall net worth of your family. In Jay-Z's case, he's married to Beyoncé, a hugely popular music artist with a net worth that rivals his own. In his new song, &quot;Family Feud,&quot; Jay-Z asks, &quot;What's better than one billionaire? Two.&quot;</p> <h2>3. Support your community</h2> <p>In his new album, Jay-Z raps at length about looking out for those in the black community, noting that &quot;Nobody wins when the family feuds.&quot; He extends this advice to supporting black-owned businesses when he says, &quot;Black-owned things, hundred percent, black-owned Champagne. And we merrily merrily eating off these streams.&quot;</p> <h2>4. Think about your heirs</h2> <p>Many ultrawealthy people got that way through their own business success, but many started out wealthy as money was passed on from their parents. In fact, what often separates wealthy and poorer communities is the amount of &quot;generational wealth&quot; and savings that remains in families over the course of decades.</p> <p>Jay-Z raps about this very concept in the new song, &quot;Legacy,&quot; saying &quot;Generational wealth, that's the key/My parent's ain't have s**t, so that ship started with me/My mom took her money, she bought me bonds/That was the sweetest thing of all time.&quot;</p> <p>Jay-Z also gives a small nod to estate planning by having his daughter Blue Ivy open &quot;Legacy&quot; by asking &quot;Daddy, what's a will?&quot;</p> <h2>5. Buy real estate on the cheap</h2> <p>Jay-Z has made good money on real estate deals, but also recognizes that he may have missed out on some bargains, too. In his song, &quot;The Story of O.J.,&quot; he laments spending his money on frivolous items when he could have bought property in a once-troubled neighborhood.</p> <p>&quot;Wish I could take it back to the beginning/I coulda bought a place in Dumbo before it was Dumbo/For like two million/That same building today is worth 25 million/Guess how I'm feeling? Dumbo.&quot;</p> <h2>6. Spend wisely and invest</h2> <p>In &quot;The Story of O.J.,&quot; Jay-Z digs into the idea that young people should stop worrying about &quot;living large&quot; and instead plan for the future. He advocates buying and holding onto things that will increase in value.</p> <p>&quot;Financial freedom my only hope/F**k living rich and dying broke/I bought some artwork for one million/Two years later, that s**t worth two million/Few years later, that s**t worth eight million.&quot;</p> <h2>7. Control your image and products</h2> <p>It remains to be seen whether Jay-Z's purchase of streaming service Tidal will pay off in the long run, but the move did give him control over how his music &mdash; and its revenue &mdash; would be distributed. Jay-Z has released his latest album exclusively on Tidal, meaning that he will no longer be at the mercy of other competitors who may take a bigger cut of revenue. Jay-Z has noted that Tidal offers higher quality streaming than other services, making it more respectful of artists.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-money-lessons-we-can-learn-from-jay-z&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Money%2520Lessons%2520We%2520Can%2520Learn%2520From%2520Jay-Z.jpg&amp;description=7%20Money%20Lessons%20We%20Can%20Learn%20From%20Jay-Z"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Money%20Lessons%20We%20Can%20Learn%20From%20Jay-Z.jpg" alt="7 Money Lessons We Can Learn From Jay-Z" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/7-money-lessons-we-can-learn-from-jay-z">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-money-lessons-we-can-learn-from-beyonc">7 Money Lessons We Can Learn From Beyoncé</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/what-fantasy-football-teaches-us-about-personal-finance">What Fantasy Football Teaches Us About Personal Finance</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/financial-lessons-from-its-a-wonderful-life">Financial Lessons From &quot;It&#039;s A Wonderful Life&quot;</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-best-money-management-tips-from-john-oliver">7 Best Money Management Tips From John Oliver</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-frugal-colonizers-guide-to-getting-to-mars">The Frugal Colonizer&#039;s Guide to Getting to Mars</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment black-owned business credit financial lessons generational wealth hip-hop income diversification investing Jay-Z rap Tue, 25 Jul 2017 08:00:11 +0000 Tim Lemke 1989545 at http://www.wisebread.com 6 Lessons on Surviving and Thriving Through Tough Times From Author Donna Freedman http://www.wisebread.com/6-lessons-on-surviving-and-thriving-through-tough-times-from-author-donna-freedman <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-lessons-on-surviving-and-thriving-through-tough-times-from-author-donna-freedman" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/photo_of_young_business_woman_in_a_conference_room.jpg" alt="Photo of young business woman in a conference room" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you need a haircut, you go see your barber or hair stylist. When you're feeling ill, you go to your doctor. And when you need sound financial advice from someone who would never belittle or money-shame you, you go to <a href="http://donnafreedman.com/" target="_blank">Donna Freedman</a>. We sung her praises after reading her book, <a href="http://www.wisebread.com/5-tips-from-playbook-for-tough-times-thatll-help-you-live-your-best-life" target="_blank"><em>Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul</em></a>, and lucky for us (and you) she has recently released her new book, <a href="http://amzn.to/2tJQKqJ" target="_blank"><em>Your Playbook For Tough Times, Vol. 2</em></a><em>. </em></p> <p>Yep, Freedman is back with even more spectacular tips on how to make the most of what you have, even if that is very little. Here are some of the best ways to stretch your dollars and survive a financial setback <em>Vol. 2</em> had to offer.</p> <h2>1. Know that you are not alone</h2> <p>The best part of <em>Your Playbook For Tough Times, Vol. 2.</em> &mdash; or any bit of wisdom Freedman shares, really &mdash; is that she gets where you're coming from as she's been through financial struggles herself. Freedman has faced a lengthy divorce, she's been a single mom to a disabled adult daughter while scraping by on money from part-time jobs, and she went back to school later in life. She gets it.</p> <p>She's not sitting up in a gold tower on a pile of money telling you how your financial struggles are your fault. Freedman's empathy is genuine and her tips are realistic. It's like a best friend who is also your financial adviser telling you how to achieve your goals, and showing you why there's no doubt you will.</p> <h2>2. Stop seeing frugality as a punishment</h2> <p>Freedman emphasizes that frugality is not punishment, but rather, a power move. Controlling your spending urges, scaling back a bit on entertainment and dining out, and other frugal strategies will ultimately help you reach your financial goals. So while the road to reaching those goals may seem long, you shouldn't view your careful money habits as restrictive and misery-inducing, especially if they lead you to paying off your mortgage and retiring early. Because isn't that the whole point?</p> <h2>3. Always be prepared for tough times</h2> <p>After Freedman published <a href="http://amzn.to/2eLFRcE" target="_blank"><em>Your Playbook For Tough Times, Vol. 1</em></a><em>, </em>she received the following comment that caught her eye:</p> <p><em>&quot;I realized that 'tough times' are no longer an isolated event. They're pretty much like a fifth season, like hurricane season, and (something) one really has to prepare for.&quot;</em></p> <p>While many people see financial hardships as something to always be prepared for, others still view them as isolated incidents that may happen once or twice, but never again. That's not the case, though, is it? Life is long, and your financial situation may change a dozen times before you reach retirement. So rather than seeing these obstacles as temporary and infrequent, proactively gain the upper hand by spending mindfully and saving diligently, even when your finances are solid.</p> <h2>4. Focus, focus, focus</h2> <p>Every time I go to put an item into my cart from this point on, I'll hear Freedman's clever words, &quot;The trick is to care about what you spend vs. spending without a care.&quot;</p> <p>Sure, it looks like a blast to grab cute clothes off all the shelves of your favorite store and hand your card over to the cashier without even looking at the total, but nobody should be making reckless money moves like these unless all of their debt is paid off. Freedman provides actionable steps to kick this urge and spend more mindfully.</p> <p>There's also a section where she recommends adding personal finance goals in between items on your shopping list. Seeing things like, &quot;Retire by 40&quot; and &quot;Pay off credit debt by next year&quot; sandwiched between things you're planning to spend money on keeps you laser-focused on careful spending, keeping you from falling victim to impulse buys that can pull you off-course.</p> <h2>5. The right attitude can change everything</h2> <p>In chapter two, &quot;A Winning Attitude,&quot; Freedman discusses how vital it is to be able to adapt. A job loss or a health setback can quickly derail your finances. And as difficult as it is to recover, you must be able to strategize in order to survive.</p> <p>An example she gives is a woman living paycheck-to-paycheck who has just gotten her hours cut at work. Her attitude might be: &quot;<em>Once I pay my rent and utilities this month there will be nothing left for groceries.&quot; </em>Sure, it's a reasonable reaction, but how will that help her? Instead, Freedman recommends a shift in mindset like this:<em> &quot;I'm going to make it my business to find short-term help to get through this, and also search for a steadier job.&quot;</em></p> <p>This subtle tweak into positivity and determination can mean the difference between scraping by and going hungry. Those who can adapt during tough situations are the ones who will make it to the other side, after all.</p> <h2>6. Acknowledge how lucky you are</h2> <p>Freedman acknowledges that it may seem trite, but the importance of appreciating all that you do have during a financial crisis cannot be understated. She writes, &quot;When I was at my lowest point financially, I kept reminding myself that I had family and friends, a roof over my head, basic food, a library card, and a chance to improve my life by going back to school (on scholarship &mdash; no way was I borrowing money).&quot;</p> <p>So while it may take some time to reach your financial goals and to really feel the comfort of the cushion you're building, the ride will be a lot smoother if you can look around and be content with what you already have.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-lessons-on-surviving-and-thriving-through-tough-times-from-author-donna-freedman&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Lessons%2520on%2520Surviving%2520and%2520Thriving%2520Through%2520Tough%2520Times%2520From%2520Author%2520Donna%2520Freedman.jpg&amp;description=6%20Lessons%20on%20Surviving%20and%20Thriving%20Through%20Tough%20Times%20From%20Author%20Donna%20Freedman"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Lessons%20on%20Surviving%20and%20Thriving%20Through%20Tough%20Times%20From%20Author%20Donna%20Freedman.jpg" alt="6 Lessons on Surviving and Thriving Through Tough Times From Author Donna Freedman" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/6-lessons-on-surviving-and-thriving-through-tough-times-from-author-donna-freedman">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-from-playbook-for-tough-times-thatll-help-you-live-your-best-life">5 Tips From &quot;Playbook For Tough Times&quot; That&#039;ll Help You Live Your Best Life</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-lessons-on-how-to-be-a-financial-grownup-from-bobbi-rebell">6 Lessons on How to Be a Financial Grownup From Bobbi Rebell</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-living-on-a-tight-budget-makes-you-happier">How Living on a Tight Budget Makes You Happier</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-splurging-on-experiences-is-a-bad-idea">5 Times Splurging on Experiences Is a Bad Idea</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment budgeting donna freedman finances money tips playbook for tough times saving money Mon, 10 Jul 2017 08:30:16 +0000 Chrissa Hardy 1980034 at http://www.wisebread.com 23 Cheap Summer Date Ideas http://www.wisebread.com/23-cheap-summer-date-ideas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-cheap-summer-date-ideas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_couple_chasing_each_other_on_bike.jpg" alt="Happy couple chasing each other on bike" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's summertime, and the options for a romantic date are endless. They also don't have to cost you very much. Take advantage of the gorgeous weather and spend some quality time with your boo, using these ideas on how to keep your summer love life active and exciting.</p> <h2>1. Fish a lake or river</h2> <p>Even if fish isn't in your diet, you can still enjoy throwing back a few cold ones by a river or a lake with your date as you cast your rods into the water. If you don't have fishing tools handy, pick up inexpensive rods at Walmart or Target and a container of worms at your local bait shop.</p> <h2>2. Crab off a pier</h2> <p>I grew up around the water in Baltimore, so crabbing is in my DNA. While I'm not a fan of pulling up crab pots from the side of a boat &mdash; you never know when you'll snag a jellyfish &mdash; I love crabbing from the side of a pier. All you need is a ball of long string, a bag of chicken necks (which you can find at your grocery store for cheap), and a crab net to scoop the little buggers up.</p> <h2>3. Hop in a kayak or canoe</h2> <p>If you have a kayak or canoe at your disposal, strap it to the roof of your vehicle and head for the water. If you're without a vessel, look into free rentals in your area. New York City, for instance, offers free kayaking at certain times during the summer; many other areas likely have similar programs.</p> <h2>4. Hike nearby trails</h2> <p>You can find a decent trail to hike no matter where you live. Just make sure you plan appropriately before embarking on your adventure. Don't choose a hike that's too difficult for you or your date, and make sure you take plenty of food, water, sunscreen, and your phone in case of emergencies. (See also: <a href="http://www.wisebread.com/6-outdoor-adventures-that-dont-cost-a-dime?ref=seealso" target="_blank">6 Outdoor Adventures That Don't Cost a Dime</a>)</p> <h2>5. Attend a DIY workshop at Home Depot</h2> <p>I recently learned about free workshops that Home Depot offers that teach you how to make specific home items. Last month, there was a workshop on how to make a concrete serving tray, and in July, participants can learn to build a crate end table. Check out your local store and see what they have to offer.</p> <h2>6. Build a backyard fire or find a beach bonfire</h2> <p>I have a <a href="http://amzn.to/2taclHQ" target="_blank">fire pit</a> in my backyard that I picked up for around $80. It's more than paid for itself with all the good times I've had around it, including wine and cuddle time with my guy. If you don't have access to a fire pit, look into bonfires in your area, which are probably a sure bet if you live anywhere near a shoreline.</p> <h2>7. Find outdoor movies in your area</h2> <p>Outdoor movies are everywhere these days, and I happen to think they're one of the best date-night activities available. It's hard to beat a relaxing evening under the stars, holding hands and eating candy while watching a flick you both enjoy. And some of them are <em>free</em>.</p> <h2>8. Step back in time at a drive-in theater</h2> <p>Another one of my all-time favorite date options is pulling into a drive-in and putting the car in park for a double- or triple-feature. Admission is usually $10 per person, and some drive-ins let you bring your own snacks. There are 338 drive-in theaters left in the United States, and you can <a href="http://www.nerve.com/movies913/drivein-theater-open-find-location" target="_blank">find the drive-in closest to you</a> with this handy locator.</p> <h2>9. Lie under the stars and gaze</h2> <p>If you live in an area too lit to see many stars, take a quick drive outside the city limits, lay out a blanket, get snugly, and let nature treat you to a twinkling space show.</p> <h2>10. Pack a picnic with board games</h2> <p>Pack a lunch in a picnic basket along with a couple of board games, and head to your favorite park for food and a little friendly competition.</p> <h2>11. Pop into an art gallery</h2> <p>Most art galleries are free to visit, and if you can catch a gallery on opening night of an exhibit, you can probably score free wine and cheese, too.</p> <h2>12. Spend the day at the beach</h2> <p>The beach provides plenty of built-in fun. Stuff your backpack with the essentials to keep you satisfied, hydrated, and protected from the UV rays.</p> <h2>13. Unchain the bikes and go for a ride</h2> <p>You and your bae can hop on your bikes for a little exercise, or you can cruise to a new café or restaurant you haven't tried yet.</p> <h2>14. Root for the home team at a baseball game</h2> <p>If your MLB home team isn't doing so hot this season, tickets are likely more affordable than normal. If that's not the case, look into a game at your local minor league stadium. They could always use the extra community support.</p> <h2>15. Take the dogs to &quot;Yappy Hour&quot;</h2> <p>More and more establishments are allowing pups onto their premises &mdash; because who doesn't like hanging out with adorable dogs? &mdash; and you can find the spots nearest you with a quick search of &quot;dog-friendly bars&quot; in your area. As long as your date is an animal lover, pets and dates are usually a home run.</p> <h2>16. Make homemade pizza</h2> <p>Homemade pizza is not only healthier than delivery (depending on what you're putting on it), but it's a ton of fun to make. Pick up a pre-made crust (it's easier than fresh dough if you don't have a pizza stone), build your pizza, pop it in for 10 minutes or so, and enjoy. (See also: <a href="http://www.wisebread.com/this-is-how-you-make-restaurant-quality-pizza-at-home?ref=seealso" target="_blank">This Is How You Make Restaurant-Quality Pizza at Home</a>)</p> <h2>17. Prepare for a water battle</h2> <p>Fill leftover balloons or your high-powered toy guns with water and aim for each other to cool off on a blistering afternoon. (See also: <a href="http://www.wisebread.com/10-clever-ways-to-keep-cool-when-its-stupid-hot-out?ref=seealso" target="_blank">10 Clever Ways to Keep Cool When It's Stupid Hot Out</a>)</p> <h2>18. Show off your vocal talents at karaoke</h2> <p>Impress your date with your vocal stylings by choosing your favorite song and belting it out with confidence. If you aren't running up a huge bar tab, karaoke itself won't cost you a dime.</p> <h2>19. Enjoy a local trivia or bingo night</h2> <p>Put on your thinking caps to show off how smart you are at a local trivia night, or get your competitive juices flowing at bingo. Bingo isn't just for grandmas anymore, BTW. Several bars in my area offer bingo at night or at brunch time with fun prizes, and if you're able to find a bingo night hosted by a drag queen, you've already hit the jackpot.</p> <h2>20. Check out a carnival</h2> <p>Save money by choosing just one or two rides at your local carnival to get your respective thrills on, and share a slice of that delectable funnel cake.</p> <h2>21. Get in some exercise at a trampoline park</h2> <p>An hour of jump time at a trampoline park is around $10 at most places, but I've seen discounted days and times &mdash; sort of like happy hour &mdash; that you might be able to take advantage of.</p> <h2>22. Lace up your skates at the roller rink</h2> <p>I went roller skating with my guy a few months ago and the place was unbelievable. I legit thought we would be the only two people there, but it was packed &mdash; on a Tuesday night, no less. Many rinks have adults-only nights, if the preteen crowd puts a damper on your romance. If you haven't taken any laps around a rink lately, don't sweat it; you'll learn how to bop again in no time.</p> <h2>23. Interact with the animals at a preserve or sanctuary</h2> <p>A lot of animal shelters won't let you come in just to pet and play with their tenants, but there are dedicated sanctuaries in certain areas &mdash; like the wolf-dog preserve in New Jersey and exotic animal sanctuaries in Florida &mdash; that let you pet and interact with the animals in their forever homes.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F23-cheap-summer-date-ideas&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F23%2520Cheap%2520Summer%2520Date%2520Ideas.jpg&amp;description=23%20Cheap%20Summer%20Date%20Ideas"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/23%20Cheap%20Summer%20Date%20Ideas.jpg" alt="23 Cheap Summer Date Ideas" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/23-cheap-summer-date-ideas">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/6-cheap-ways-to-entertain-your-kids-this-summer">6 Cheap Ways to Entertain Your Kids This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</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-watch-movies-in-the-theater-for-free">How to Watch Movies in the Theater for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-your-bartender-is-ripping-you-off">7 Ways Your Bartender Is Ripping You Off</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/from-5-to-30-date-ideas-for-every-budget">From $5 to $30+, Date Ideas for Every Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment cheap dates date ideas Dating saving money summer date ideas summer fun things to do in summer Thu, 06 Jul 2017 08:30:15 +0000 Mikey Rox 1977970 at http://www.wisebread.com 9 Unexpected First Jobs of the Wealthy and Famous http://www.wisebread.com/9-unexpected-first-jobs-of-the-wealthy-and-famous <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-unexpected-first-jobs-of-the-wealthy-and-famous" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_serving_ice_cream.jpg" alt="Woman serving ice cream" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Singer, actor, author, business tycoon &mdash; everyone still starts somewhere. And while some people have the luxury of starting with wealth and fame behind them, others have had to scrape their way to the top. If you think millionaires and billionaires have always had it easy, think again. Many of them have worked jobs that may surprise you.</p> <h2>1. Orlando Bloom: Clay pigeon trapper</h2> <p>You probably know him as Legolas from <em>The Lord of the Rings</em>, or Will Turner from <em>Pirates of the Caribbean</em>. And although he's considered one of the sexiest men in the world, Orlando's first job was not exactly &quot;sexy.&quot;</p> <p>He was just 13-years-old when he took this job at the shooting range, and by all accounts, he loved it. &quot;I was a clay trapper,&quot; he said in a 2006 interview. &quot;People would go clay-pigeon shooting on the weekends, and when they said 'pull,' I was the one who released the pigeon. It was wild.&quot;</p> <p>Today, Orlando Bloom has a net worth estimated at $35 million.</p> <h2>2. Oprah Winfrey: Grocery store clerk</h2> <p>One of the most successful women in the world started her working life as many of us do &mdash; at the local grocery store. Oprah recounted her time working at the corner store for Oprah.com, part of the vast empire this billionaire businesswoman has created.</p> <p>&quot;I wasn't allowed to talk to the customers, and can you imagine for me? &hellip; That was very, very, very hard.&quot;</p> <p>She was in her early teens when she took the job in Nashville, but by the time she hit 16-years-old, she already had her sights set on broadcasting. She then landed a job reading the news at Nashville radio station, WVOL. The rest, as they say, is history.</p> <h2>3. Michael Dell: Dishwasher</h2> <p>In 1992, eight years after his computer company Dell was founded, Michael Dell became the youngest CEO ever to run a Fortune 500 company. He attributes his success to hard work, dedication, and doing whatever it takes to make your dreams happen.</p> <p>For the 12-year-old Michael Dell, that dream was to own a stamp collection. So, he took a job washing the dishes at the local Chinese restaurant &mdash; a job that, as you can imagine, was long hours for little pay, even for a boy not yet a teenager.</p> <p>But great oaks from little acorns grow, and just a few years later, he took apart an Apple computer to see exactly how it worked. His next dream was much more ambitious. And he achieved it.</p> <h2>4. Rod Stewart: Wallpaper screen printer</h2> <p>Known for his signature raspy crooning voice, Rod Stewart is an international singing superstar.</p> <p>Before he rose to fame, Rod held a couple of odd jobs, including newspaper deliverer and grave plot measurer. But before that, he had another unusual job that was short-lived &mdash; wallpaper screen printer.</p> <p>After dropping out of school at age 15, Rod worked printing the patterns on wallpapers. For some, a job like this could be a creative outlet. For Rod, it was never meant to be. Rod Stewart is colorblind, and that adversely affected his take on his job.</p> <p>&quot;If you are colorblind, one of the things you can't be is an aircraft pilot,&quot; he said in an interview. &quot;One of the other things you can't be is a wallpaper designer.&quot;</p> <p>He was laid off shortly after getting the job, but didn't let that dissuade him from pursuing the road to success. Today, Rod is worth about $235 million.</p> <h2>5. Sir Sean Connery: Milkman</h2> <p>He's considered by many to be the best James Bond ever to grace the screen. He is also still considered a sex-symbol, despite being 86-years-old. Back in 1944, when he was just 14, he earned his living pushing a barrow at the local Corstorphine Dairy, in a small village west of Edinburgh. The salary back then was 21 shillings per week &mdash; that's roughly &pound;1.05, which today would be the equivalent of around &pound;42, or $54.</p> <p>For most 14-year-olds, over $200 per month is a nice chunk of change. Still, he went on to become a legend in the acting business, but those early days pushing barrels of milk gave him quite the foundation.</p> <h2>6. Sir Richard Branson: Parakeet breeder</h2> <p>There are some people destined to become a huge success, and you can tell from an early age. Richard Branson clearly had the entrepreneurial spirit from the get-go, and at the age of just 11, he started a small business with his best friend breeding parakeets (known as &quot;budgies&quot; in the UK).</p> <p>&quot;With my best friend Nik Powell as my partner, we set about breeding budgerigars,&quot; Branson wrote in a 2013 LinkedIn article. &quot;We saw a gap in the market to sell budgies as they were very popular with kids in school at the time.&quot;</p> <p>Branson says that when he went off to boarding school, rats got to some of the birds. The remaining ones were set free, and he went on to sell Christmas trees, and a student magazine that became the foundation for Virgin Records.</p> <h2>7. Stephen King: Laundry worker</h2> <p>Stephen King is the master of horror, and one of the most famous authors who has ever lived. As a publisher of over 54 novels, inspiring countless movies and TV series, he's sold over 350 million copies of his books. But his beginnings were humble to say the least.</p> <p>After graduating from college in 1970, he tried to find work as a teacher, but there were no positions available. After marrying his wife Tabby in 1971, he was desperate for any kind of income to help support her and his children. So, he took a job as a laborer at an industrial laundry, and also moonlighted as a janitor.</p> <p>It was here that he set up a makeshift desk in the laundry room, between a huge washing machine and dryer, and on his wife's Olivetti typewriter, wrote stories for Playboy, Cavalier, and Penthouse. And from those small successes, and his wife's encouragement, he wrote a book &mdash; <em>Carrie</em>.</p> <h2>8. Barack Obama: Ice cream scooper</h2> <p>The 44th President of the United States of America honed his charming social skills at an early age. As a teenager, he took a job at the Baskin-Robbins on Honolulu, scooping the 31 flavors daily to lines of hungry patrons.</p> <p>Sue Thirlwall, brand operating officer for Baskin-Robbins, says that this job builds essential skills for use in later life. &quot;Scooping for America's favorite neighborhood ice cream shop can result in obtaining basic lifelong job skills, like handling consumer care in real time and keeping calm under pressure,&quot; she told the L.A. Times in 2009</p> <p>And if you look back on his presidency, even if you did not support him or his party, how often did you see Barack Obama become unhinged, or lose his cool? Maybe we should all take a stint in an ice cream parlor.</p> <h2>9. Amy Adams: Hooters waitress</h2> <p>Some of the most notable movies of the last decade feature Amy Adams, including <em>The Muppets</em>, <em>Doubt</em>, <em>Man of Steel</em>, <em>American Hustle</em>, and <em>Arrival</em>. But when she graduated high school, she only had one thing on her mind &mdash; a car. She was &quot;sick of taking the bus&quot; and found herself in the famous white and orange outfit at Hooters.</p> <p>&quot;I wasn't cut out to be a waitress, and I certainly wasn't cut out to be a Hooters waitress. That was a short-lived ambition,&quot; said Amy of her brief career. She lasted just long enough to raise the money, $900, for her new set of wheels &mdash; a Chevrolet. And thankfully for us all, she then pursued a career in acting.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F9-unexpected-first-jobs-of-the-wealthy-and-famous&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%2520Unexpected%2520First%2520Jobs%2520of%2520the%2520Wealthy%2520and%2520Famous.jpg&amp;description=9%20Unexpected%20First%20Jobs%20of%20the%20Wealthy%20and%20Famous"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/9%20Unexpected%20First%20Jobs%20of%20the%20Wealthy%20and%20Famous.jpg" alt="9 Unexpected First Jobs of the Wealthy and Famous" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/9-unexpected-first-jobs-of-the-wealthy-and-famous">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/make-sure-you-get-paid-and-4-other-great-tips-from-famous-commencement-speakers">Make Sure You Get Paid and 4 Other Great Tips From Famous Commencement Speakers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-crazy-investments-of-the-rich-and-famous">9 Crazy Investments of the Rich and Famous</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-keys-to-quitting-a-job-like-a-professional">8 Keys to Quitting a Job Like a Professional</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-jobs-that-robots-cant-do-yet">10 Jobs That Robots Can&#039;t Do, Yet</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Entertainment Barack Obama celebrities employment famous people first jobs odd jobs Oprah stephen king Tue, 04 Jul 2017 09:00:09 +0000 Paul Michael 1974218 at http://www.wisebread.com Ask the Readers: What Are Your Summer BBQ Must-Haves? http://www.wisebread.com/ask-the-readers-what-are-your-summer-bbq-must-haves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-are-your-summer-bbq-must-haves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/burgers_bbq_summer_538165270.jpg" alt="Eating summer BBQ must-haves" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Karen, Betty, and Ernest for winning this week's contest!</em></p> <p>The summer BBQ is a staple of the season. It's a great way to enjoy friends, family, fun games and yummy food without having to spend a lot. While there are a few BBQ staples (like hot dogs and burgers and lots of ice for drinks), every family parties differently and will have different items on their BBQ shopping lists.</p> <p><strong>What are your summer BBQ must-haves?</strong> What are some of your staples in terms of food, drinks, and activities? Do you usually have BBQs at home, at a park, or somewhere else?</p> <p>Tell us about your summer BBQ must-haves and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa306/" rel="nofollow" data-raflid="79857dfa306" data-theme="classic" data-template="" id="rcwidget_l78bwiwi">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, July 3rd at 11:59 p.m. Pacific. Winners will be announced after July 3rd on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about your summer BBQ must-haves and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-are-your-summer-bbq-must-haves">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/ask-the-readers-what-are-your-best-entertainment-tips-a-chance-to-win-tickets-to-a-broadway-show">Ask the Readers: What are Your Best Entertainment Tips? (A Chance to Win Tickets to a Broadway Show!)</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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</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/ask-the-readers-do-you-have-the-tools-chance-to-win-ms-office">Ask the Readers: Do You Have the Tools? (Chance to win MS 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/ask-the-readers-do-gift-cards-make-a-good-gift">Ask the Readers: Do Gift Cards Make a Good Gift?</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/ask-the-readers-i-used-to-but-now-i">Ask the Readers: I used to __, but now I __ to save money.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Giveaways Ask the Readers summer bbq Tue, 27 Jun 2017 08:30:08 +0000 Ashley Jacobs 1971279 at http://www.wisebread.com