affordable http://www.wisebread.com/taxonomy/term/6656/all en-US Best Money Tips: Affordable Presents for Dad http://www.wisebread.com/best-money-tips-affordable-presents-for-dad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-affordable-presents-for-dad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/fathers-day-155849496-small.jpg" alt="father&#039;s day" title="father&#039;s day" class="imagecache imagecache-250w" width="250" height="167" /></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 some great articles on affordable presents for dad, getting a frugal start on summer, and how not to drown in student loan debt.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Affordable-Father-Day-Gifts-17860222">44 Affordable Presents for Dad</a> &mdash; Need a gift for dad this Father's Day? Consider getting him golf ball soap or DIY shaving cream. [PopSugar Smart Living]</p> <p><a href="http://www.getrichslowly.org/blog/2014/06/05/getting-a-frugal-start-on-summer/">Getting a Frugal Start on Summer</a> &mdash; To get a frugal start on summer, purge your apartment from useless gadgets and personal documents. [Get Rich Slowly]</p> <p><a href="http://asklizweston.com/how-not-to-drown-in-student-loan-debt/">How Not to Drown in Student Loan Debt</a> &mdash; Getting through school as quickly as possible can help you avoid drowning in student loan debt. [Ask Liz Weston]</p> <p><a href="http://www.freemoneyfinance.com/2014/06/whats-your-target-retirement-age.html">What's Your Target Retirement Age?</a> &mdash; 34% of people think they will retire between the ages of 60 and 64. When do you think you'll retire? [Free Money Finance]</p> <p><a href="http://www.moneysavingenthusiast.com/2014/05/23/how-to-save-money-with-a-beach-bar/">Money: Have a Low-Cost Weekend for Under $10</a> &mdash; If you want to have a low-cost weekend, only allow soda to be consumed as a treat and try to stay in shape for less. [Money Saving Enthusiast]</p> <h2>Other Essential Reading</h2> <p><a href="http://cashmoneylife.com/tips-for-entrepreneurs-looking-for-success/">5 Tips for Entrepreneurs Looking for Success</a> &mdash; Testing ideas and staying passionate can help entrepreneurs find success. [Cash Money Life]</p> <p><a href="http://www.smartasset.com/blog/money-saving-tip/top-4-tips-to-save-money-on-daily-essentials/">Top 4 Tips to Save Money on Daily Essentials</a> &mdash; Buying store brands can help you save money on daily essentials. [SmartAsset Blog]</p> <p><a href="http://www.fivecentnickel.com/2014/06/04/sensational-way-to-triumph-in-negotiations/">Sensational Way to Triumph in Negotiations</a> &mdash; Did you know that holding a hot or cold beverage can change your perception of an individual? [Five Cent Nickel]</p> <p><a href="http://parentingsquad.com/enjoying-salads-with-your-family">Enjoying Salads With Your Family</a> &mdash; To enjoy salads with your family, make pasta salad with broccoli and cauliflower. [Parenting Squad]</p> <p><a href="http://microblogger.com/5-tips-getting-email-subscribers/">5 Ways to Get More Email Subscribers</a> &mdash; If you want to get more email subscribers, offer an opt-in bribe or do a split test. [Microblogger]</p> <a href="http://www.wisebread.com/best-money-tips-affordable-presents-for-dad" class="sharethis-link" title="Best Money Tips: Affordable Presents for Dad" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Shopping affordable best money tips dad Father's Day gifts presents Fri, 06 Jun 2014 17:00:29 +0000 Ashley Jacobs 1141945 at http://www.wisebread.com Best Money Tips: Affordable Travel Tips http://www.wisebread.com/best-money-tips-affordable-travel-tips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-affordable-travel-tips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/travel-3916336-small.jpg" alt="train" title="train" class="imagecache imagecache-250w" width="250" height="166" /></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 some awesome articles on affordable travel tips, grocery shopping for 4 on $100 a week, and ways to avoid a money pit.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneycrashers.com/affordable-travel-tips-vacation-budget/">10 Affordable Travel Tips to Stay Within Your Vacation Budget</a> &mdash; Traveling during the off-season and watching for deals can help you stay within your vacation budget. [Money Crashers]</p> <p><a href="http://bargainbabe.com/grocery-shopping-four-100-week/">Grocery Shopping for 4 on $100 a Week</a> &mdash; To grocery shop for four on $100 a week, only buy what you will realistically eat in a week. [Bargain Babe]</p> <p><a href="http://www.moneytalksnews.com/2014/03/17/considering-a-fixer-upper-15-ways-to-avoid-a-money-pit/">Considering a Fixer-Upper? 15 Ways to Avoid a Money Pit</a> &mdash; Watching for rot and spotting a bad location can help you avoid buying a money pit when purchasing a home. [Money Talks News]</p> <p><a href="http://kiplinger.com/article/spending/T050-C011-S001-7-ways-to-save-on-home-d-cor.html?si=1">7 Ways to Save on Home Decor</a> &mdash; Haggling and shopping at discounted retailers can help you save on home decor. [Kiplinger]</p> <p><a href="http://www.savvysugar.com/Work-Life-Balance-Isnt-About-Balance-34379007">Work-Life Balance Isn't About Balance</a> &mdash; Work-life balance is about managing energy, not time. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/5-secrets-spending-less-at-the-grocery-store/">5 Secrets to Spending Less at the Grocery Store</a> &mdash; To spend less at the grocery store, nix the name brands.[Credit Sesame]</p> <p><a href="http://www.bargaineering.com/articles/buy-biggest-pizzaalways.html">Always buy the biggest pizza...That's why God created freezers...and big ziplock bags</a> &mdash; It is almost always more cost-effective to purchase the largest size when ordering a pizza. [Bargaineering]</p> <p><a href="http://parentingsquad.com/spring-cleaning-made-simple">Spring Cleaning Made Simple</a> &mdash; Open your windows and tackle your junk drawer when you begin spring cleaning. [Parenting Squad]</p> <p><a href="http://www.freemoneyfinance.com/2014/03/dividend-investing-basics.html">Dividend Investing Basics</a> &mdash; Dividend investing works because it provides a steady stream of income. [Free Money Finance]</p> <p><a href="http://www.thousandaire.com/how-to-set-up-a-personalized-terms-and-conditions-page-for-your-website/">How to Set Up a Personalized Terms and Conditions Page For Your Website</a> &mdash; When setting up a terms and conditions page for your website, use a personalized generator. [Thousandaire]</p> <a href="http://www.wisebread.com/best-money-tips-affordable-travel-tips" class="sharethis-link" title="Best Money Tips: Affordable Travel Tips" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Travel affordable best money tips travel Mon, 24 Mar 2014 10:00:21 +0000 Ashley Jacobs 1132251 at http://www.wisebread.com Best Money Tips: 100 Affordable Christmas Gifts for Men http://www.wisebread.com/best-money-tips-100-affordable-christmas-gifts-for-men <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-100-affordable-christmas-gifts-for-men" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/holiday-iStock_000011352320Small.jpg" alt="man with gift" title="man with gift" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on affordable gifts for men, ways to protect yourself on vacation, and saving money on holiday meals.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Cheap-Christmas-Gifts-Men-32385188">100 Affordable Christmas Gifts for Men</a> &mdash; Consider getting the man in your life a beer tasting kit or a man candle for Christmas. [PopSugar Smart Living]</p> <p><a href="http://budgetandthebeach.com/2013/11/06/ways-to-protect-yourself-on-your-vacation/">Ways to Protect Yourself on your Vacation</a> &mdash; To protect yourself on your vacation, pack an outfit with you on the plane. [Budget and the Beach]</p> <p><a href="http://savingslifestyle.com/2013/11/saving-money-holiday-meals/">Saving Money on Holiday Meals</a> &mdash; When trying to save money on holiday meals, take advantage of grocery bargains. [Savings Lifestyle]</p> <p><a href="http://moneyning.com/money-news/beware-a-new-scam-scares-you-into-thinking-you-owe-taxes/">Beware: A New Scam Scares You Into Thinking You Owe Taxes</a> &mdash; If someone calls you claiming to be from the IRS and tells you that you owe taxes, do not panic. The IRS will normally conatct you through snail mail, so chances are the person calling you is part of a new scam. [MoneyNing]</p> <p><a href="http://www.consumerismcommentary.com/money-systems-food-planning/">Money Systems That Lead to Success: Food Planning</a> &mdash; If you want to save money on food, start by purchasing your groceries on a schedule so you can implement a food planning system. [Consumerism Commentary]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.biblemoneymatters.com/have-a-no-spend-challenge-to-prepare-for-the-holidays-and-give-thanks/">Have A No Spend Challenge To Prepare For The Holidays And Give Thanks</a> &mdash; Participating in a no spend challenge can give you some extra savings to use if your budget slips into the red. [Bible Money Matters]</p> <p><a href="http://www.girlsjustwannahavefunds.com/severance-package-questions/">Severance Packages: Time to Goof Off Or Make It Pay Off?</a> &mdash; Before you take a severance package, figure out if the package prevents you from working for a competitor for a specified period of time. [Girls Just Wanna Have Funds]</p> <p><a href="http://www.stretcher.com/stories/06/06nov13d.cfm?slider">Wrap Up Your Holiday For Free!</a> &mdash; Save money on wrapping paper this year by wrapping gifts in newspapers or crepe paper. [TheDollarStretcher.com]</p> <p><a href="http://sweatingthebigstuff.com/shopping-cheap-accessories-online/">Shopping for Cheap Accessories Online</a> &mdash; When shopping for shoes online, be willing to pay a little extra so that they look good and feel comfortable. [Sweating the Big Stuff]</p> <p><a href="http://parentingsquad.com/5-great-holiday-fundraisers-for-your-school">5 Great Holiday Fundraisers for Your School</a> &mdash; If you are trying to put together a fundraiser for your school, consider doing a gift basket raffle! [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-100-affordable-christmas-gifts-for-men" class="sharethis-link" title="Best Money Tips: 100 Affordable Christmas Gifts for Men" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Shopping affordable best money tips Christmas gifts men Wed, 13 Nov 2013 10:00:03 +0000 Ashley Jacobs 1096005 at http://www.wisebread.com Best Money Tips: Find an Affordable Flu Shot http://www.wisebread.com/best-money-tips-find-an-affordable-flu-shot <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-find-an-affordable-flu-shot" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/4270298263_f78ee9fca0_z.jpg" alt="Find an affordable flu shot" title="Find an affordable flu shot" class="imagecache imagecache-250w" width="250" height="141" /></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 some stellar articles on finding an affordable flu shot, jobs for people who want to work from home, and things that will be cheaper in 2013.</p> <h2>Top 5 Articles</h2> <p><a href="http://money.msn.com/frugal-living/post.aspx?post=4765626f-e2fa-4527-bbfd-cdfb8ef0e9db&amp;ref=bfv">Find an affordable flu shot</a> &mdash; Don't get sick this flu season! See if you can get a flu shot that's affordable through your workplace. [MSN Money]</p> <p><a href="http://www.savvysugar.com/Real-Work-From-Home-Jobs-21415515">10 Awesome Jobs For People Who Want To Work From Home</a> &mdash; If you want to work from home, consider being a music teacher. [SavvySugar]</p> <p><a href="http://www.moneytalksnews.com/2013/01/10/11-things-that-will-be-cheaper-in-2013/#at_pco=cfd-1.0">11 Things That Will Be Cheaper in 2013</a> &mdash; Items like eBooks and smartphones will be cheaper this year! [Money Talks News]</p> <p><a href="http://www.moneycrashers.com/natural-herbal-remedies-medications-dogs/">4 Natural Herbal Remedies &amp; Medications for Dogs</a> &mdash; Giving your dog milk thistle can help with his or her liver health. [Money Crashers]</p> <p><a href="http://www.freemoneyfinance.com/2013/01/real-estate-101-summary.html">Real Estate 101: Summary</a> &mdash; If you don't have the time to invest in real estate, you might want to consider other investment options. [Free Money Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.mint.com/blog/saving/emergency-fund-101-how-to-start-saving-for-a-rainy-day-0113/">Emergency Fund 101: How to Start Saving for a Rainy Day</a> &mdash; Try to have at least three to six months of post-tax income saved up for your emergency fund. [MintLife Blog]</p> <p><a href="http://www.bargaineering.com/articles/5-natural-disasters-covered-homeowners-policy.html">5 Natural Disasters Not Covered in Your Homeowners Policy</a> &mdash; Chances are, your homeowners policy does not protect you from flooding. [Bargaineering]</p> <p><a href="http://www.creditsesame.com/blog/popular-real-estate-tax-breaks-are-in-jeopardy/">Popular Real Estate Tax Breaks are in Jeopardy</a> &mdash; Did you know that there are deductions for local and state property taxes on the deduction chopping block? [Credit Sesame Daily]</p> <p><a href="http://www.kiplinger.com/columns/fundwatch/archive/how-to-pick-the-best-index-funds.html?si=1">How to Pick the Best Index Funds</a> &mdash; One of the big benefits of index funds is that when you buy one, for the most part you know what you are getting. [Kiplinger]</p> <p><a href="http://parentingsquad.com/6-benefits-of-teaching-your-children-to-write-letters-1">6 Benefits of Teaching Your Children to Write Letters</a> &mdash; Teaching your children to write letters can help them cultivate stronger self-esteem. [Parenting Squad]</p> <a href="http://www.wisebread.com/best-money-tips-find-an-affordable-flu-shot" class="sharethis-link" title="Best Money Tips: Find an Affordable Flu Shot" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Health and Beauty affordable best money tips flu flu shot shot Mon, 14 Jan 2013 11:00:34 +0000 Ashley Jacobs 965680 at http://www.wisebread.com Best Money Tips: 216 Affordable Gifts for Everyone on Your List http://www.wisebread.com/best-money-tips-216-affordable-gifts-for-everyone-on-your-list <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-216-affordable-gifts-for-everyone-on-your-list" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/5550847944_fcf705da59_z.jpg" alt="216 Affordable Gifts For Everyone On Your List" title="216 Affordable Gifts For Everyone On Your List" class="imagecache imagecache-250w" width="250" height="141" /></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 some awesome articles on 216 gifts for everyone on your list, frugal lunch ideas, and reasons to list or buy a home in December.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Affordable-Gift-Ideas-Christmas-2012-26263290">216 Affordable Gifts For Everyone On Your List</a> &mdash; Having trouble deciding on gifts to give this holiday season? Consider giving eBooks or a bookmark set. [SavvySugar]</p> <p><a href="http://www.stretcher.com/stories/10/10dec13a.cfm#.UMoeK4WlNl8">Frugal Lunch Ideas</a> &mdash; If you need a frugal lunch idea, try making a quiche or other solid casserole. [The Dollar Stretcher]</p> <p><a href="http://www.mint.com/blog/housing/4-reasons-to-list-or-buy-a-home-in-december-1212/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+MyMint+%28Mint+Personal+Finance+Blog%29">4 Reasons to List or Buy a Home in December</a> &mdash; December is a great month to list or buy a home because of the tax advantages. [MintLife Blog]</p> <p><a href="http://www.dumblittleman.com/2012/12/3-facts-about-life-every-grown-up.html">3 Facts Ahout Life Every Grown-Up Should Know And Live By</a> &mdash; All grown-ups should know that you cannot reason with the unreasonable. [Dumb Little Man]</p> <p><a href="http://www.lazymanandmoney.com/start-a-new-business-for-the-new-year-5-tips-inside/">Start a New Business for the New Year (5 Tips Inside)</a> &mdash; When starting a new business, remember to separate work and home life. [Lazy Man and Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://retireby40.org/2012/12/organic-foods-worth-premium/">Are Organic Foods Worth The Premium?</a> &mdash; When it comes to organic peanut butter, it's not worth the extra money. [Retire By 40]</p> <p><a href="http://www.freemoneyfinance.com/2012/12/income-to-wealth-to-income.html">Income to Wealth to Income</a> &mdash; The flow of money during a person's life can be described as income to wealth to income. [Free Money Finance]</p> <p><a href="http://www.getrichslowly.org/blog/2012/12/10/preventing-freezer-burnout/">Preventing Freezer Burnout</a> &mdash; To prevent freezer burnout, keep food out of the freezer in the first place by not making so much food. [Get Rich Slowly]</p> <p><a href="http://parentingsquad.com/special-needs-gift-guide-2012">Special Needs Gift Guide 2012</a> &mdash; If you need a gift for a special needs child, consider giving him or her a therapy swing. [Parenting Squad]</p> <p><a href="http://freelanceswitch.com/industry-tips/attend-conferences-for-free/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FreelanceSwitch+%28Freelance+Switch%29">10 Strategies to Attend Conferences for Free</a> &mdash; Attend conferences for free by speaking at the conference or volunteering to help out at the conference. [Freelance Switch</p> <a href="http://www.wisebread.com/best-money-tips-216-affordable-gifts-for-everyone-on-your-list" class="sharethis-link" title="Best Money Tips: 216 Affordable Gifts for Everyone on Your List" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Shopping affordable best money tips gifts giving holiday shopping Fri, 14 Dec 2012 11:00:29 +0000 Ashley Jacobs 959851 at http://www.wisebread.com Best Money Tips: Affordable Ways to Spend Family Night at Home http://www.wisebread.com/best-money-tips-affordable-ways-to-spend-family-night-at-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-affordable-ways-to-spend-family-night-at-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/4235415474_b2ee43c5af_z-1.jpg" alt="Affordable Ways to Spend Family Night at Home" title="Affordable Ways to Spend Family Night at Home" 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 some great articles on affordable ways to spend family night at home, how to save on dental treatment, and ways to cut daily expenses.</p> <h2>Top 5 Articles</h2> <p><a href="http://financialhighway.com/4-fun-and-affordable-ways-to-spend-family-night-at-home/">4 Fun and Affordable Ways to Spend Family Night at Home</a> &mdash; Have a fun family night at home by putting together a theme night. [Financial Highway]</p> <p><a href="http://www.howtosavemoney.com/how-to-save-money-on-dental-treatment/">How to save money on Dental Treatment</a> &mdash; Save money on dental treatment by having regular checkups. [HowToSaveMoney.com]</p> <p><a href="http://www.stackthechips.com/4-easy-ways-to-cut-daily-expenses/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+StackTheChips+%28Stack+The+Chips%29">4 Easy Ways To Cut Daily Expenses</a> &mdash; Reduce your daily expenses by only using your credit card in emergency situations. [Stack The Chips]</p> <p><a href="http://www.biblemoneymatters.com/3-potential-problems-with-automating-your-finances/">3 Potential Problems With Automating Your Finances</a> &mdash; When you automate your finances, you are more inclined to become disconnected from your financial reality. [Bible Money Matters]</p> <p><a href="http://www.thesimpledollar.com/2011/08/28/balancing-giving-and-saving/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+thesimpledollar+%28The+Simple+Dollar%29">Balancing Giving and Saving</a> &mdash; Balance giving and saving by realizing that charity is more than just donating money. [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://parentingsquad.com/5-fun-ways-to-encourage-kids-to-brush-their-teeth">8 Ways To Encourage Kids To Brush Their Teeth</a> &mdash; Encourage your kids to brush their teeth by setting up a rewards chart. [Parenting Squad]</p> <p><a href="http://www.savvysugar.com/How-Productive-Monday-5679691">5 Little Tips to Help Kick-Start Your Work Week</a> &mdash; Kick-start your workweek by tackling tough assignments during peak hours. [SavvySugar]</p> <p><a href="http://zenhabits.net/3-clear-reasons-to-change-careers/">3 Clear Reasons to Change Careers</a> &mdash; If you are trapped behind a mask, it may be time to change careers. [zen habits]</p> <p><a href="http://www.prolificliving.com/blog/2011/08/30/understanding-stress-8-ways-to-face-it/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+prolificliving%2Fblog+%28Prolific+Living%29">Understanding Stress: 8 Ways to Take It On</a> &mdash; Handle stressful situations by believing in your ability to find solutions. [Prolific Living]</p> <p><a href="http://www.mysticmadness.com/things-to-do-before-asking-for-a-raise.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+MysticMadness+%28Mystic+Madness%29">Things To Do Before Asking For A Raise</a> &mdash; Before you ask for a raise, come up with a strategy. [Mystic Madness]</p> <a href="http://www.wisebread.com/best-money-tips-affordable-ways-to-spend-family-night-at-home" class="sharethis-link" title="Best Money Tips: Affordable Ways to Spend Family Night at Home" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Lifestyle affordable best money tips family family night Wed, 31 Aug 2011 10:00:14 +0000 Ashley Jacobs 686886 at http://www.wisebread.com What Is True Affordability? http://www.wisebread.com/what-is-true-affordability <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-is-true-affordability" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/2903513401_d367bb3836.jpg" alt="cash" title="cash" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>During the past decade, lenders and the media had us believe that affordability simply meant qualifying to buy it with a loan. Of course, that era ended with dire consequences, so that can't be right. What is true affordability anyway? Can you spot it if you come across it?</p> <h2>The Dream House Lover</h2> <p>Sammy loves the ocean, and he is making a ton of money. In fact, he is going to make more than $1 million dollars this year alone. From what you just read, you'd think that he's one of the nation's richest right?</p> <p>But not so fast.</p> <p>Though he is debt free and saving money in a rapid pace, he doesn't have much to his name yet. You see, his business is just starting to pick up. While he can probably cash in $500,000 a year after taxes at this rate, it would still take him eight years before he amasses four million, the price of the home he wants to buy. &quot;I can afford it&quot; he thinks. Or can he? And when?</p> <h2>The Average Car Buyer</h2> <p>Whether leasing is a good idea comes up all the time. Most people who favor leasing will tell you that the numbers work out in their favor if they like to change cars every few years. Some will tell you that it even reduces their liability, because no matter what happens to the car, they are hands free after the lease term is up. Now, let's say that your take home pay (after taxes) is $5,000 a month. It would be reasonable to say that you can spend $500 a month on your car right?</p> <p>But then again, what if, when time comes to change your house, you couldn't afford the one you wanted? What if I told you that if you chose to drive that used beater and never changed cars instead, you would have that extra $50,000 needed to afford that nice house? Was the car <em>really</em> affordable for you?</p> <h2>What I Think Is True Affordability</h2> <p>Of course, there are infinite examples and unlimited possibilities, so worrying about the future is useless, impossible, and most important of all, unhealthy. So what to do? When I think of whether something is affordable, all I worry about is whether I could afford overpaying for it. Whether it's a house, a car or a chocolate bar, if I could knowingly overpay for it because other factors outweigh the financial ones, I know I could truly afford it.</p> <p>Just to clarify, I'm not saying that I would simply pay more for something because I didn't do my research. If I could get the same product somewhere else that's <em>exactly the same</em>, like a TV that's on sale at another store for instance, then it's unwise to buy it for a higher price. All I'm saying is that if a slight price fluctuation isn't going to be devastating, then it's likely that I can afford it. Otherwise, it's simply too expensive, and I should work harder to make more money if owning it is that important to me.</p> <a href="http://www.wisebread.com/what-is-true-affordability" class="sharethis-link" title="What Is True Affordability?" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/david-ning">David Ning</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/topic/personal-finance/debt-management">Debt Management articles from Wise Bread</a>.</div></div> Debt Management affordable cash finance money spending Wed, 25 Aug 2010 13:00:05 +0000 David Ning 216763 at http://www.wisebread.com 6 Ways to Create a Great Home Gym For Less http://www.wisebread.com/6-ways-to-create-a-great-home-gym <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-to-create-a-great-home-gym" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/treadmill.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p class="MsoNormal">If your New Year&rsquo;s Resolutions involve exercising a bit more, you&rsquo;re not alone.<span style="">&nbsp; </span>While the fitness industry won&rsquo;t see as big a boom as they are used to this year, there&rsquo;s still lots of money to be made.<span style="">&nbsp; </span>Before <i style="">you</i> sign up for the next big fitness trend, consider checking out these six ways to buff up at home for less.<span style="">&nbsp; </span><o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use Your Television</b> &ndash; Personal trainers come and go (and cost a pretty penny, too!)<span style="">&nbsp; </span>If you have a little self-discipline, and love the variety that fitness videos offer, you can use the tube as your instructor!<span style="">&nbsp; </span>I personally use the <a href="http://www.roku.com/netflixplayer/index.php">Roku Netflix Viewing Box</a> (highly recommended) to access dozens of unique and inspiring fitness videos through my <a href="http://www.netflix.com/">Netflix account</a>.<span style="">&nbsp; </span>For the $99 it costs for the Roku box (which plays Starz movies and will soon also have access to Amazon Unbox VOD) plus the $9 or so I&rsquo;m spending on my Netflix account anyway, I get to work out a hundred different ways in the comfort of my own home.<span style="">&nbsp; </span>My favorites include 10-minute Dance Cardio Blast, the yoga selections, and the Salsa dance videos.<span style="">&nbsp; </span>(My daughter enjoys it too &ndash; we sometimes use them for home school physical education activities.)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use Your Body</b> &ndash; Natural resistance training is perhaps one of the most effective (and affordable) methods of getting in better physical shape.<span style="">&nbsp; </span>By using your own body and some affordable resistance bands or small free weights, you can get quite a workout.<span style="">&nbsp; </span>(Not to mention the amazing effects that it can have on a woman&rsquo;s bone density.)<span style="">&nbsp; </span>For the beginner, or a small gal like me, a few hand weights and a resistance band will cost you no more than $20-30 (less if you hit the clearance rack or second-hand shops.)<span style="">&nbsp; </span>Many health clinics give out the bands for free!<span style="">&nbsp; </span>An inflatable exercise ball is another good way to build strength through this training, and they can be picked up at a retailer for around $10-15.<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use Your Realtor</b> &ndash; This may sound a bit predatory, but with all the foreclosed homes in our area, many people we know have been offered more than their share of free to low-cost exercise equipment.<span style="">&nbsp; </span>When home owners are pressured to leave quickly, they often can&rsquo;t take their bulky weight machines or treadmills with them.<span style="">&nbsp; </span>This leaves you with an opportunity to help them out and benefit, too!<span style="">&nbsp; </span>If you are aware of the hardship that exercise equipment can cause, offer a fair price for the equipment (many times fitness machines have also been given as payment for moving services.)<span style="">&nbsp; </span>By buying it directly from the homeowner, they are getting a better deal than if they sold it to a second-hand exercise shop, and you will pay far less, as well.<span style="">&nbsp; </span>You can also talk to realtors and &ldquo;stagers&rdquo; in your area, as they often use equipment in walk-throughs and model homes.<span style="">&nbsp; </span>Once they no longer need it, however, it often gets thrown away or put into storage for a lofty fee.<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use Craigslist</b> &ndash; Many of these same homeowners use <a href="http://www.craigslist.com/">Craigslist</a> for listing their equipment.<span style="">&nbsp; </span>Others times, avid New Year Resolution makers find that their newly-purchased $1000 equipment investment has not been worth it, and they try to dump it on Craigslist.<span style="">&nbsp; </span>Watch for items that you really want, and don&rsquo;t be afraid to make a lower offer.<span style="">&nbsp; </span>If something sits there long enough, you may get your price!<span style="">&nbsp; </span>(And don&rsquo;t forget to check the &ldquo;free&rdquo; section for last-minute &ldquo;you pick up&rdquo; items.)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use the Internet</b> &ndash; I wrote awhile back about how much I liked the <a href="../../../../../../move-over-weight-watchers-the-new-pyramid-is-here">Food Pyramid website</a>, and how it can save money over club programs that require weekly meetings or weigh-ins.<span style="">&nbsp; </span>My new favorite tool, however, is <a href="http://caloriecount.about.com/">About.com&rsquo; CalorieCount</a>.<span style="">&nbsp; </span>It&rsquo;s totally free, pretty accurate, and completely motivating.<span style="">&nbsp; </span>(Plus it&rsquo;s web-based, so you can use it at home or at work with no software installation.)<span style="">&nbsp; </span>I can enter all the information for my body type, desired weight, and activity level (among other factors) and watch my calorie intake against my burn level.<span style="">&nbsp; </span>The best part of the program is the recipe feature.<span style="">&nbsp; </span>If I&rsquo;m not sure how many calories are in a meal I&rsquo;ve made, I just cut and paste the recipe into the form, and it tells me!<span style="">&nbsp; </span>I&rsquo;ve avoided so many &ldquo;empty calories&rdquo; by using this program, and I&rsquo;ve resisted the urge to spend money buying popular diet guides or &ldquo;points&rdquo; calculators online.<span style="">&nbsp; </span>(You can also find support groups here, as well.)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Use Your Insurance</b> &ndash; Are you aware of all of the health programs available to you under your health insurance plan?<span style="">&nbsp; </span>Maybe you are eligible for an employer-specific initiative designed to give you access to health tools and fitness discounts.<span style="">&nbsp; </span>If you&rsquo;re not already taking advantage of these resources, you may be missing out.<span style="">&nbsp; </span>Many insurance plans offer free perks like smoking-cessation prescriptions and programs, gym equipment rentals, and discounts on active wear and vitamins.<span style="">&nbsp; </span>While the savings may not be great, it could help you make that initial investment into your own home gym.<span style="">&nbsp; </span>And don&rsquo;t forget the most valuable service of all &ndash; the annual physical exam.<span style="">&nbsp; </span>Knowing that you&rsquo;re healthy enough to begin a diet or exercise program is the best first step in getting fit, and for many plans, its not subject to a co-pay or deductible.<o:p>&nbsp;</o:p></p> <p class="MsoNormal">If money&rsquo;s been holding you back from your health goals, get creative and get moving!<span style="">&nbsp; </span></p> <a href="http://www.wisebread.com/6-ways-to-create-a-great-home-gym" class="sharethis-link" title="6 Ways to Create a Great Home Gym For Less" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Frugal Living DIY Health and Beauty affordable exercise home gym Sat, 17 Jan 2009 05:06:21 +0000 Linsey Knerl 2750 at http://www.wisebread.com 5 Low-Cost, Low-Maintenance Alternatives to the Family Dog http://www.wisebread.com/5-low-cost-low-maintenance-alternatives-to-the-family-dog-0 <!-- google_ad_section_start --><!-- google_ad_section_start --></p> <p>&nbsp;</p> <p><img src="http://i75.photobucket.com/albums/i313/kylinsmom/froggy1.jpg" alt="african clawed frog" width="256" height="177" /> </p> <p>There’s something about owning a pet that appeals to everyone.<span> </span>Whether you have always dreamed of owning “man’s best friend” or perhaps aspire to be the neighborhood cat lady, chances are good that you may be in the market for a companion animal in the future.<span> </span>But what if you just don’t have the dough, time, energy or space for the more traditional pets?<span> </span>Here are five species that may not bring you the newspaper every morning, but won’t leave you for the family down the street, either: </p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/frogsandtoads/a/africanclawed.htm">African Clawed Frog</a> – For just about $18 at your local pet store, you can own this 4-5 inch long aquatic frog, along with a small habitat, large rocks, a few plastic plants, and a bottle of pellets to feed it for a year.<span> </span>We own one of these, and the upkeep is minimal.<span> </span>Simply change out the water when it gets murky, and remember to throw a few frog pellets in every other day.<span> </span>Easy peasy.<span> </span>They live for up to 15 years, and love to hide behind rocks.<span> </span>These make a very good beginner pet or are perfect for the person who would forget to tend to a pet daily. </p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/lizardsaspets/p/leopardgecko.htm">Leopard Geckos</a> – This pet is a bit more costly in initial cost and setup.<span> </span>Unlike most reptiles, however, this one is nocturnal and doesn’t require any special UV lighting.<span> </span>Unique in that it has no sticky toe pads (guess who won’t be climbing out of the tank anytime soon) but has eyelids, this gecko must be fed fortified bugs.<span> </span>Not for squeamish people or those who like to travel out of the country on long trips.<span> </span>Plan on having this pet around for 20 years or so.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/hedgehogs/a/hedgehogs.htm">Hedgehogs</a> – Also referred to as “African” or “Pygmy” hedgehogs, these were part of an exotic animal fad a few years back.<span> </span>There are still hedgehog breeders with long waiting lists for the “perfect” hedgie asking for insane amounts of money for their babies.<span> </span>However, I have found that doing a simple search of local shelters and the few Hedgehog rescue societies will most likely get you a hedgie for less than $50.<span> </span>We owned a few as a child, and they are adorable!<span> </span>Easy to keep in a 2-3 foot tank, a single hedgehog needs very little interaction (and may prefer it that way.)<span> </span>It’s true that they have quills, and in a situation of feeling threatened they will roll up in a ball and “hide.”<span> </span>Care is similar to that of a hamster, but their diet is specialized.<span> </span>It is also worth mentioning that certain states outlaw the keeping of hedgehogs as pets, so check for your state.<span> </span></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/hermitcrabs/a/hermitcrabs.htm">Hermit Crabs</a> – While not the most interactive of pets, the hermit crab does have some personality!<span> </span>Setup is inexpensive and similar to that of the Clawed Frog – minus the water, of course!<span> </span>The crab will need to be fed daily and bathed weekly.<span> </span>Once the crab has reached a certain size, you will need to offer it a variety of new shells for it to dwell in.<span> </span>Please consider purchasing a crab from a local pet expert, and avoid those being sold in mall kiosks across the country.<span> </span>(Somehow I’m not so sure about those guys being avid pet lovers.)<span> </span>If held regularly, you can expect your crab to respond to your touch and even come out to see you face to face!</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/insectsspiders/p/hissingroach.htm">Madagascar Hissing Cockroach</a> – I know.<span> </span>Just the thought of the things has my skin crawling.<span> </span>Cockroaches do make very good pets, however.<span> </span>They enjoy being held, but do not require it (that’s essential for us squeamish folk.)<span> </span>Setup requires a large tank with the most secure mesh lid ever invented and a bedding of shavings, along with some fun places for them to hide (egg cartons work well.)<span> </span>They feed on fresh fruit, veggies, and dry dog food.<span> </span>If you can get used to their gross appearance, just remember that they do hiss. </p> <p class="MsoNormal"><a href="http://exoticpets.about.com/cs/frogsandtoads/a/africanclawed.htm"></a></p> <p class="MsoNormal">&nbsp;</p> </p> <p class="MsoNormal">I’m sure that there are several other great small pets that I have failed to mention.<span> </span>My list is based on cost, space, and the stink factor (which is why I left out hamsters and gerbils.)<span> </span>Having a unique pet may also help kick-start the conversation at your next house party (or send them home reeling and gagging.)<span> </span>Find the one that works for you, and maybe with some experience, you can graduate to getting a Fido or Ms. Whiskers in a year or two.<span> </span>Just don’t let them near the hedgehog!</p> <p>&nbsp;</p> </p> <!-- google_ad_section_end --><!-- google_ad_section_end --><a href="http://www.wisebread.com/5-low-cost-low-maintenance-alternatives-to-the-family-dog-0" class="sharethis-link" title="5 Low-Cost, Low-Maintenance Alternatives to the Family Dog" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> Life Hacks affordable cheap low-maintenance pets Sat, 07 Jul 2007 23:41:52 +0000 Linsey Knerl 813 at http://www.wisebread.com