happiness http://www.wisebread.com/taxonomy/term/688/all en-US Best Money Tips: Small Habits That Steal Your Happiness http://www.wisebread.com/best-money-tips-small-habits-that-steal-your-happiness <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-small-habits-that-steal-your-happiness" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sad_stressed_83655851.jpg" alt="Woman with small habits that steal her happiness" 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 small habits that steal your happiness, tips for saving money on groceries, and ways to get cheap or free vet care for your pet.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.positivityblog.com/index.php/2016/09/08/steal-your-happiness/">7 Small Habits That Will Steal Your Happiness</a> &mdash; Don't put your dreams on hold, waiting for the right time to take action. Even if you can't dive in right away, you can take small steps toward your goal. [The Positivity Blog]</p> <p><a href="http://blog.wallstreetsurvivor.com/2016/09/09/20-tips-that-will-help-you-save-money-on-groceries/">20 Tips That Will Help You Save Money On Groceries</a> &mdash; Go for versatile ingredients that can be used in a variety of dishes to ensure that you actually use it before it goes bad. [Wall Street Survivor]</p> <p><a href="http://www.moneytalksnews.com/how-get-cheaper-free-vet-care/">9 Ways to Get Cheap or Free Vet Care for Your Pet</a> &mdash; Check out veterinary websites and social media accounts for deals offered by vets in your area. [Money Talks News]</p> <p><a href="http://lifehacker.com/what-to-do-when-mice-have-invaded-your-home-1786347063">What to Do When Mice Have Invaded Your Home</a> &mdash; If you spot even one mouse, odds are there's a nest somewhere in your house. Follow these steps to get rid of the unwelcome rodents and keep them out. [Lifehacker]</p> <p><a href="http://www.popsugar.com/smart-living/Things-You-Should-Do-Your-30s-40165465">22 Things You Need to Start Doing For Yourself in Your 30s</a> &mdash; Make time for massages &mdash; your body will thank you! [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0902/How-to-balance-between-investment-and-savings-accounts">How to balance between investment and savings accounts</a> &mdash; Investing your money can make it grow faster, but the money in savings is more accessible when an emergency hits. Learn how to balance both and optimize your money. [The Monitor]</p> <p><a href="http://www.morewithlesstoday.com/25-small-ways-to-pay-it-forward-kindness-matters/">25 Small Ways to Pay It Forward &ndash; Kindness Matters!</a> &mdash; Buy extra toiletries when you spot a good deal and give them away to people in need. [More With Less Today]</p> <p><a href="https://blog.allstate.com/changing-your-own-oil-video/">6 Things to Know When Changing Your Own Oil for the First Time</a> &mdash; If you've never changed the oil in you car before, follow these tips to make sure you're doing it correctly. [The Allstate Blog]</p> <p><a href="http://www.lifeoptimizer.org/2016/09/09/how-to-deal-with-stress/">How to Deal With Stress and Remain Calm in Any Situation</a> &mdash; Talk through your problems with someone you trust. It's harder to find solutions when you keep your feelings pent up. [Life Optimizer]</p> <p><a href="http://parentingsquad.com/how-much-homework-is-too-much">How Much Homework Is Too Much?</a> &mdash; The workload your child brings home may be too much if it starts affecting their sleep or mood, [Parenting Squad]</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-small-habits-that-steal-your-happiness">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/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/big-list-of-things-to-be-happy-about">Big List of Things to be Happy About</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips habits happiness Mon, 12 Sep 2016 10:00:07 +0000 Amy Lu 1789671 at http://www.wisebread.com 7 Reasons You Are More Than Your Credit Score http://www.wisebread.com/7-reasons-you-are-more-than-your-credit-score <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-reasons-you-are-more-than-your-credit-score" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/post_it_smiley_88426573.jpg" alt="Learning reasons you&#039;re more than your credit score" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you read Wise Bread frequently, you'll know that we place a lot of emphasis on obtaining a <a href="http://www.wisebread.com/what-is-a-good-credit-score-range" target="_blank">good credit score</a> and building net worth. There's no question that we want people to follow a path that takes them to financial security. But it's important to understand that while money and good credit can help you lead the life you want, it doesn't define you as a person or even guarantee happiness.</p> <p>It's often the case that we get so wrapped up in making and saving money that we lose sight of how little we need to actually be content. And we beat ourselves up for being poor, having bad credit, or being in debt.</p> <p>Here's a look at all of the ways your net worth and credit score don't define you.</p> <h2>1. You're Investing in Your Future</h2> <p>You may have some debt and a low net worth right now. But that's because you're taking steps to improve your situation. Maybe you're in college and have taken out some loans to pay for it. Perhaps you took out a loan to start your own company. Maybe you took on some debt to move to a new community so you could accept a good job. You are making steps to build a good life for yourself, and they will pay off in the long run. Don't worry about what the numbers say about you now.</p> <h2>2. You're Frugal, and Proud of It</h2> <p>You've decided against using credit cards because you want to avoid the possibility of high-interest debt. You've chosen to live with your parents for a while to save money on rent. You've never even asked for a loan. All of these things may mean you have a low credit score because you haven't established much of a credit history. But don't fret. You're still being financially sensible and taking steps to save money and avoid the debt spiral. A credit bureau may give you a low score, but you're getting top marks for being smart with your money.</p> <h2>3. You're Rich in Other Ways</h2> <p>You have many great friends. You have your family. Your faith. Good health. You're pretty good at playing the guitar and you make very tasty French toast. These are the things that define you and make your life what it is. Your credit score doesn't know you, and neither does your bank account.</p> <h2>4. You Are Happy</h2> <p>We're all aware of the adage that money can't buy happiness. And have you ever met anyone who said, &quot;I'm so content with my life because my credit score is 820?&quot; Your happiness is based on how you live your life, the quality of your relationships, and what you do to find fulfillment. We've all met wealthy people who are downright miserable, and poor people who live life with a smile on their face.</p> <h2>5. Numbers Are Relative</h2> <p>So maybe your credit score is considered poor. And maybe your net worth places you close to the poverty line. But are you better off than you were six months ago? Or a year ago? If so, then be happy that you're making progress. Credit scores and net worth are only numbers, and numbers should not be analyzed in a vacuum. A person who emerged from extreme poverty is going to be happy to have any credit score at all. Someone who spent years working to pay off massive debts will be thrilled to have positive net worth after being in negative territory for years.</p> <h2>6. You're Fine With Living Small</h2> <p>You can be content living in a modest home with few possessions. In fact, the Tiny House Movement underscores that there is a segment of the population that is eager to reduce its overall living footprint due to lower costs, lower impact on the environment, and a basic lifestyle. If you're happy downsizing and living simply, then don't worry about what your credit score and net worth say.</p> <h2>7. No One Else Cares</h2> <p>Think of your closest friends. How often do you ask about their credit score or their net worth? Do you judge them based on the balances in their bank accounts or their stock holdings? One would hope not. Likewise, your closest friends and relatives couldn't care less what your numbers say about you. Your relationships are based not on credit scores, but real bonds that have nothing to do with money.</p> <p><em>How do you value yourself?</em></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-reasons-you-are-more-than-your-credit-score">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-saying-thanks-more-make-you-rich">Can Saying Thanks More Make You Rich?</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-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-increase-your-net-worth-this-year">10 Ways to Increase Your Net Worth This Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-debt-payoffs-that-boost-your-credit-score-the-most">The 7 Debt Payoffs That Boost Your Credit Score the Most</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle credit score debt happiness Living net worth relationships reminder struggling Thu, 04 Aug 2016 10:30:09 +0000 Tim Lemke 1765529 at http://www.wisebread.com 6 Smart Shopping Reminders That Will Save You Big http://www.wisebread.com/6-smart-shopping-reminders-that-will-save-you-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-smart-shopping-reminders-that-will-save-you-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smiling_shopping_96557647.jpg" alt="Woman becoming smartest shopper ever" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're tempted to splurge on something you don't need, what's your decision-making process? Do you let emotion determine whether you head to the check-out counter, or do you rationally consider the financial pros and cons? Do you even have a strategy? If the answer is no, don't panic. Lucky for you we've compiled a comprehensive list of questions to ask before pulling the trigger on any splurge-y&nbsp;purchase. Read on and smarten up!</p> <h2>1. Shopping Can Be More Satisfying Than the Purchase Itself</h2> <p>Buyer's remorse is the slyest devil of them all. At first you're beaming about your new pair of designer jeans. But will you feel the same way a month out when the high of the buy wears off? Research shows that the flood of happiness we feel when we make a purchase peaks at the check-out counter and then slowly starts to dwindle. Indeed, it's the experience of shopping that satisfies us &mdash; not the purchase itself.</p> <p>&quot;Thinking about acquisition provides <a href="http://jcr.oxfordjournals.org/content/40/1/1">momentary happiness boosts</a> to materialistic people, and because they tend to think about acquisition a lot, such thoughts have the potential to provide frequent mood boosts,&quot; said Marsha L. Richins, author of the research paper, <em>When Wanting Is Better Than Having</em>. &quot;But the positive emotions associated with acquisition are short-lived. Although materialists still experience positive emotions after making a purchase, these emotions are less intense than before they actually acquire a product.&quot;</p> <h2>2. Shopping to Cure Sadness Only Makes Us Sadder</h2> <p>Retail therapy is a term used so flippantly that it can be difficult to take seriously. Yet studies show that when we're feeling sad or grieving, we tend to compensate with compulsive shopping. As it turns out, shopping can seem to fill an emotional void while really only serving to dig it deeper. In truth, shopping to curb that feeling of loneliness actually <a href="http://www.cnbc.com/id/100962304">makes us feel lonelier</a>. Take this sage advice: If you're going through a breakup, battling depression, grieving the death of a loved one, or otherwise feeling alone and blue, take a pause from recreational shopping until you've addressed your emotional state.</p> <h2>3. Just Because It's a Good Deal Doesn't Mean It's a Good Deal for You</h2> <p>The price tag on that gorgeous wicker chair very well may be a steal &mdash; but is it truly a good deal for <em>you</em>? For instance, maybe you already have a perfectly fine chair in the living room, and this one, though newer and nicer, would nonetheless qualify as an unnecessary purchase. If you weren't planning on buying a wicker chair until the good deal came along, then you're running the <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master" target="_blank">risk of throwing your money away</a> on something you simply don't need. And that's not a good deal at all.</p> <h2>4. Don't Buy It If You Can't Afford It</h2> <p>It's simple advice. It's also crucial. If you can't afford to take the financial hit, put away that wallet. And if it's a stretch but you think you can swing it, take a moment to consider all the possible future unknowns. If you lose your job, or your spouse does, or some other unforeseen circumstance dramatically shifts your financial situation, will you look back on this purchase with regret?</p> <h2>5. Don't Buy It if It Will Derail Your Financial Goals</h2> <p>Maybe you're saving for college. Or a down payment on a new car. How will this purchase influence the savings goals that you've set for yourself? If buying that new sofa is going to derail your plans to save up enough money for a down payment on the house where you want to put the sofa, consider pumping the breaks. Take it one financial goal at a time. And remember: Your financial habits today determine your future financial health.</p> <h2>6. Consider the Hidden Costs</h2> <p>As with boats, in-ground pools, and motorcycles, there are purchases that require future funding not specified on the price tag. Boats, for example, need fuel, winter storage, and almost constant maintenance. And you can't operate a backyard swimming oasis without investing in at least the basic accessories, such as a pool cover and cleaning tools and treatments. Whatever the purchase you're considering, does it have any financial strings attached &mdash; and if so, can you afford them?</p> <p><em>What do you quietly tell yourself to help you curb the urge to spend?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-smart-shopping-reminders-that-will-save-you-big">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/heres-how-to-get-a-sale-price-match-at-16-popular-stores">Here&#039;s How to Get a Sale Price-Match at 16 Popular Stores</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/this-creative-shopping-strategy-could-save-you-tons">This Creative Shopping Strategy Could Save You Tons</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/retail-therapy-the-benefits-of-shopping">Retail Therapy: The Benefits of Shopping</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-convince-a-store-clerk-to-give-you-a-deal">6 Ways to Convince a Store Clerk to Give You a Deal</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/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping buying emotional spending happiness materialism reminders retail therapy saving money smart buys Thu, 28 Jul 2016 10:00:16 +0000 Brittany Lyte 1757848 at http://www.wisebread.com Flashback Friday: 51 Easy Ways to Live a Happier Life http://www.wisebread.com/flashback-friday-51-easy-ways-to-live-a-happier-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-51-easy-ways-to-live-a-happier-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_car_86320095.jpg" alt="Woman finding easy ways to live a happier life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Life is too short to be anything but happy. Sure, we'll all face our own emotional ups and downs, but we should never settle for an extended period of misery if we can help it. Luckily, it doesn't take much to improve one's mood. And since ultimately, happiness is a choice, let's all choose an existence filled with joy, yes?</p> <p>Here are 51 simple ways to start living a happier life.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/happy_woman_smiling_000057527868.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/9-ways-money-does-buy-happiness?ref=fbf">9 Ways Money Does Buy Happiness</a> &mdash; Contrary to popular belief, you <em>can</em> actually buy happiness. And you don't need to be rich in order to attain that level of happiness. Just be sure to make those happiness purchases smart and responsible, or you'll slip into the dreaded buyer's remorse.&nbsp;</p> <p><a href="http://www.wisebread.com/11-things-scientists-say-will-boost-your-happiness-today?ref=fbf">11 Things Scientists Say Will Boost Your Happiness Today</a> &mdash; Who knew taking a nap, or simply going outside could instantly make a person happy? Then again, it is the little things that make the biggest impact. Thank goodness for science, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/chocolate-Dollarphotoclub_63094547.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-foods-that-are-scientifically-proven-to-increase-happiness?ref=fbf">7 Foods That Are Scientifically Proven to Increase Happiness</a> &mdash; It's true! You can eat your way to happiness, apparently. Stick with healthy proteins, brightly colored veggies, and chocolate, and you'll be grinning like a goof in no time.</p> <p><a href="http://www.wisebread.com/the-happiness-habits-7-ways-to-feel-better-now?ref=fbf">The Happiness Habits: 7 Ways to Feel Better Now</a> &mdash; Sometimes, all you need to be happier is a little movement and organization. Making to-do lists and exercising are excellent ways to reclaim your mood and set yourself up for a brighter future.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/happy_woman_smiling_000016994073.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-things-you-can-do-today-to-be-happy?ref=fbf">10 Things You Can Do Today to Be Happy</a> &mdash; Don't let those blues drag you down. These are simple ways to turn that frown upside down, and they're also all free!</p> <p><a href="http://www.wisebread.com/these-7-exercises-are-scientifically-proven-to-increase-happiness?ref=fbf">These 7 Exercises Are Scientifically Proven to Increase Happiness</a> &mdash; Any exercise can cheer you up, but yoga, dancing, and hiking are just a few that are scientifically proven to do the trick. So get moving!</p> <p><em>What other simple ways can you boost your mood? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-51-easy-ways-to-live-a-happier-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-45-life-lessons-youd-give-to-your-younger-self">Flashback Friday: 45 Life Lessons You&#039;d Give to Your Younger Self</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-55-brilliant-ways-to-turn-your-junk-into-cash">Flashback Friday: 55 Brilliant Ways to Turn Your Junk Into Cash</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-82-best-spring-cleaning-hacks-we-ve-ever-shared">Flashback Friday: The 82 Best Spring Cleaning Hacks We’ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-70-brilliant-ways-to-beat-the-heat-this-summer">Flashback Friday: 70 Brilliant Ways to Beat the Heat This Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-107-best-breakfast-hacks-to-start-your-day-off-right">Flashback Friday: The 107 Best Breakfast Hacks to Start Your Day Off Right</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Life Hacks fbf flashback friday happiness happiness hacks happy happy life how to be happy life hacks science stress relief Fri, 15 Jul 2016 10:00:07 +0000 Chrissa Hardy 1752365 at http://www.wisebread.com Can Saying Thanks More Make You Rich? http://www.wisebread.com/can-saying-thanks-more-make-you-rich <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-saying-thanks-more-make-you-rich" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/thank_you_note_000058962422.jpg" alt="Learning how saying thanks can make you rich" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're even a little bit cynical, you might be expecting a resounding, one-word answer to this question. I mean, since when did being nice ever get you rich?</p> <p>But there is good news out there for those of us who still like to see the nice guy win once in-awhile. In fact, gratitude has a number of direct impacts on financial well being.</p> <h2>Gratitude Makes You Happy</h2> <p>Gratitude has been shown to <a href="https://www.uthealthleader.org/story/grateful-ology">make people happier</a> &mdash; and happiness is known to have a positive impact on earnings.</p> <p>In research, groups were asked to keep journals over an extended period, either simply writing down neutrally what had happened to them, or trying to find the positives to be grateful for. At the end of the study, the gratitude group were 25% happier than the neutral group, and reported fewer physical illnesses over the period.</p> <p>A different study links <a href="http://www.wisebread.com/9-ways-money-does-buy-happiness" target="_blank">happiness and earnings</a>, with research which shows that adolescents who report higher levels of happiness go on to <a href="http://www.pnas.org/content/109/49/19953.abstract">earn more as adults</a>. There are probably a wide range of reasons for this &mdash; happier people take fewer sick days, build more positive relationships, and are able to focus more on the things that matter to them.</p> <h2>Gratitude Stops Spending</h2> <p>If excessive consumption is your downfall, then try practicing a little gratitude to get back on track.</p> <p>Instead of lusting after another gadget or handbag, make a conscious effort to appreciate what you have &mdash; not only will you rediscover old pleasures, it will most likely slow your urge to spend.</p> <p>Often the desire to shop comes about because of something known as <em>hedonic adaptation</em>, or the hedonic treadmill. This is the tendency humans have to slip back to an average level of satisfaction very shortly after large improvements or positive life events. So even though you get a massive pay raise, the enjoyment is short-lived, and you soon come to expect the extra salary. Similarly, the new phone you were yearning for is only truly impressive for a few weeks before you forget the novelty and start to think about your next purchase.</p> <p>Gratitude can help overcome this tendency because it slows down the pace at which we get complacent about what we have &mdash; and by cutting out the excesses of spending, our financial wellness gets an immediate boost.</p> <h2>Gratitude Promotes Great Relationships</h2> <p>Relationships flourish with gratitude, and relationships are how business happens. So exercising a bit of gratitude can be a boon to your personal and professional relationships alike, making you happier and wealthier at the same time.</p> <p>This dynamic in professional environments has already received much scientific and psychological attention. Studies dating back decades have shown that customers come back and tip more if they are thanked for their generosity. In one wonderful example (which I really wish I had come up with myself), restaurant servers handed over the check to diners &mdash; either blank, or with a handwritten note saying thank you, including a smiley face. This research showed that those who had written &quot;thank you&quot; on their checks <a href="http://onlinelibrary.wiley.com/doi/10.1111/j.1559-1816.1996.tb01847.x/abstract">received higher tips</a>.</p> <p>Because gratitude forges an immediate personal connection, it's a great way of opening the door to a developing relationship. In a work environment, that might be as simple as getting an extra few dollars tip, or it could be the start of something beautiful. You never know.</p> <h2>Gratitude Keeps You Healthy</h2> <p>Science shows you can cut down your medical bills by saying thanks. Seriously.</p> <p>Don't take my word for it. Professor Robert A. Emmons is the author of a report on the <a href="http://www.ucdmc.ucdavis.edu/welcome/features/2015-2016/11/20151125_gratitude.html">impact of gratitude on health</a>. He says gratitude &quot;can lower blood pressure, improve immune function, and facilitate more efficient sleep. Gratitude reduces lifetime risk for depression, anxiety, and substance abuse disorders, and is a key resiliency factor in the prevention of suicide.&quot;</p> <p>Not only all that, but those who are grateful also report having a stronger social network that can support them when they need help, as well as improving blood pressure, cholesterol and heart health.</p> <p>Gratitude's impact on financial wellness is based on elements of scientific and psychological fact. It may sound far fetched at first, but saying thank you to others, and remembering to be grateful for what you have &mdash; rather than yearning for more &mdash; could really be the secret to unlocking greater emotional and financial well being.</p> <p><em>What do you think? Crazy theories or common sense? How do you practice gratitude in everyday life?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/can-saying-thanks-more-make-you-rich">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-reasons-you-are-more-than-your-credit-score">7 Reasons You Are More Than Your Credit Score</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-opportunity-funds-are-the-new-emergency-funds">Why &quot;Opportunity&quot; Funds Are the New Emergency Funds</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-financial-wake-up-calls-and-how-to-deal-with-them">8 Financial Wake Up Calls — And How to Deal With 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/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-put-your-spouse-on-a-budget-without-ruining-your-marriage">How to Put Your Spouse on a Budget Without Ruining Your Marriage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance appreciation gratitude happiness healthy higher salary mindset relationships spending habits Thu, 26 May 2016 09:30:18 +0000 Claire Millard 1717156 at http://www.wisebread.com 9 Ways Money Does Buy Happiness http://www.wisebread.com/9-ways-money-does-buy-happiness <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-money-does-buy-happiness" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_smiling_000057527868.jpg" alt="Woman learning ways money does buy happiness" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whenever someone tells me that money can't buy happiness, I am often tempted to insist they give me all of their money as a way to test this theory. (See also: <a href="http://www.wisebread.com/6-ways-money-really-can-buy-happiness?ref=seealso">6 Ways Money Really Can Buy Happiness</a>)</p> <p>Research abounds on the &quot;Can money buy happiness?&quot; question, and there is evidence on both sides. It seems that true happiness can come from deep personal connections and life experiences rather than material goods. But there's also information showing that people on the lowest end of the income scale are vulnerable to depression and other mental health problems.</p> <p>Here's a look at some of the research indicating that money does indeed play a role in making people happier.</p> <h2>1. You're Less Likely to Suffer From Depression</h2> <p>A 2012 report from Gallup revealed that people in poverty are more likely to suffer from health problems, with depression being the most common. About 30.9% of poor people said they have been <a href="http://www.gallup.com/poll/158417/poverty-comes-depression-illness.aspx">diagnosed with depression</a> at some point, compared to about 15.8% (half as many!) for those not in poverty.</p> <h2>2. Your Kids Brains Will Develop Better</h2> <p>PBS reported in June on the growing body of evidence supporting the idea that growing up in poverty can have a long-term impact on children's cognitive development. In the most extreme cases, children endure &quot;toxic stress&quot; that is shown to actually chemically alter their brains.</p> <h2>3. You Can Afford an Education</h2> <p>A 2012 study by Pew and the University of Virginia found a connection between happiness and obtaining a college degree. A broad education, researchers concluded, can lead to a richer and more fulfilling life, as well as greater earning opportunities.</p> <h2>4. You'll Avoid Student Loans</h2> <p>There's been a lot written about the impact of student loans on young people, and there's evidence that the crushing debt can actually be detrimental to happiness. An article published in the journal Social Science and Medicine concluded that student loan debt was related to &quot;poorer psychological functioning&quot; among young adults.</p> <h2>5. You Can Mentally Savor Life</h2> <p>When you have money, you don't need to focus as much attention on acquiring it in order to meet your basic needs. This frees up your mind to actually savor the experiences of life, according to a 2010 article in Scientific American. The article concluded that &quot;...a person's ability to savor experiences predicts their degree of happiness.&quot;</p> <h2>6. You're &quot;Buffered&quot; From Sadness</h2> <p>A recent paper in the journal Social Psychological and Personality Science concluded that there may not be a direct connection between money and happiness, <em>per se</em>. But, the authors said there was strong evidence that money prevented sadness. The study concluded that people with money can more easily &quot;buffer&quot; themselves against stressful events.</p> <h2>7. You'll Be Free to Spend Money on Others</h2> <p>When you barely have enough to support yourself, you're likely not thinking about giving back to others. But being generous with your money is a path to happiness, according to a Harvard study titled &quot;Using Money to Benefit Others Pays Off.&quot; In the study, researchers gave money to students to spend on either themselves or others by the end of the day. &quot;People who had been assigned to spend the money on someone else reported feeling [a] happier mood over the course of the day than those assigned to spend the money on themselves,&quot; the authors wrote.</p> <h2>8. You Can Spend Money on Experiences</h2> <p>There's considerable evidence that buying &quot;stuff&quot; doesn't make anyone any happier. But paying for <em>experiences</em> offers a good bang for your buck when it comes to happiness, according to the book <a href="http://www.amazon.com/gp/product/1400077427/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1400077427&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=THZH4OREGTORUHA6">Stumbling on Happiness</a>. Whether it's swimming with sharks off the coast of South Africa or hang gliding over a volcano in Hawaii, experiences do cost money.</p> <h2>9. You're Less Likely to Be Lonely</h2> <p>A 2011 study in the Journal of Consumer Psychology concluded that people with meaningful social connections are generally happiest. And there is other evidence showing that people with less money are more likely to be lonely. The Guardian reported in 2014 that &quot;Poor social networks should be included as a contributor to and signal of poverty.&quot;</p> <p><em>Does money make you happier?</em></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/9-ways-money-does-buy-happiness">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-things-that-money-just-cant-buy">The things that money just can&#039;t buy</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-ways-money-really-can-buy-happiness">6 Ways Money Really Can Buy Happiness</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/can-you-talk-to-your-friends-about-debt">Can you talk to your friends about debt?</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward 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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle education experiences happiness money poverty student loans Fri, 18 Dec 2015 10:00:08 +0000 Tim Lemke 1621571 at http://www.wisebread.com 10 Things You Can Do Today to Be Happy http://www.wisebread.com/10-things-you-can-do-today-to-be-happy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-you-can-do-today-to-be-happy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_smiling_000016994073.jpg" alt="Woman learning things to make her happy today" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's be honest: when it comes to negative thinking, most of us need to check ourselves before we wreck ourselves. Whether it's traffic on the freeway or the weight we've gained in our arms, we are seasoned vets at focusing our attention on all the things that we wish were somehow better or different.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/love/Feminist-Halloween-Costumes-35742821#photo-35742821" target="_blank">30+ Fierce Halloween Costumes That Empower Women</a></p> <p>As a life coach and an inspirational speaker, I am constantly being asked for quick-fix tips for inducing happiness and reducing stress. My answer is always the same: if we want to be happy, we have to learn how to turn the volume down on our negativity and shift our awareness to the parts of our lives that are working, to thoughts and ideas that make us feel inspired and uplifted.</p> <p>The reason for this is that, unbeknownst to many, negative thinking is the number one cause of unhappiness in humans. That's right. It's not your lack of sleep or your cranky boss that is bringing you down, it's your thoughts about these things that cause you to be less than your naturally exuberant self.</p> <p>An incredible method for shifting away from the negative and into the positive is an exercise that I call &quot;The Flip Switch.&quot; The Flip Switch is a great tool for instant happiness, as well as for kick-starting our brains into the habit of focusing only on the thoughts that make us feel empowered and optimistic. If it is practiced regularly, The Flip Switch will benefit us emotionally, mentally, and also biologically (think endorphins, new neural pathways, and extra serotonin, oh my!) in our quest for happiness.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Free-Halloween-Costumes-35472600#photo-35472600" target="_blank">44 Practically Free Halloween Costumes to DIY</a></p> <h2>Application of the Flip Switch</h2> <p>When you find yourself drowning in a downward spiral of negative thoughts &mdash; or even just treading water in them! &mdash; this list is your life preserver. To stop negativity in its tracks, shift your attention onto one of the activities on the list below for a few minutes (or as long as you feel is necessary) when you first notice negative self-talk start to come up.</p> <h3>1. Listen to Music That You Love</h3> <p>Music is an extremely powerful tool for shifting your mood and mindset. Just make sure to choose music that energizes and elates you.</p> <h3>2. Call Someone Who Understands and Supports You</h3> <p>Hearing the voice of someone we love or a friend who gives great advice is always an instant pick-me-up.</p> <h3>3. Get Into Nature</h3> <p>My personal favorite. There is nothing that calms and soothes me more than watching a sunset or being on the beach by my house.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Make-My-Resume-Better-38831500" target="_blank">6 Ways to Revamp Your Résumé</a></p> <h3>4. Meditate</h3> <p>This is a great go-to when you find yourself already pretty deep in the downward spiral. When we are stuck in negative thought patterns, the first physical shift that occurs is that we stop breathing. Shifting our focus onto our breath causes our minds to slow down and brings immediate relief.</p> <h3>5. Laugh</h3> <p>Laughter is hands down the best remedy for releasing tension. Watch a silly movie or a YouTube video, or remember a joke that never gets old.</p> <h3>6. Exercise/Get in Your Body</h3> <p>When we are moving and being active, we shake up energy and shift our focus away from our mind and into our physicality. Even if this means running in place for 30 seconds or doing a silly dance in your office bathroom, I promise you will feel a difference.</p> <h3>7. Appreciate What Is Around You</h3> <p>Look around your environment and make a conscious effort to list and appreciate everything in your field of vision that you like. Maybe it's the way the man on the subway is holding his baby, or maybe it's the photo of your parents that you keep on your desk. Negative thoughts cannot enter our minds when we are in a state of appreciation, so appreciate, appreciate, appreciate!</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/How-Use-Up-Leftover-Halloween-Candy-25696231#photo-25696231" target="_blank">9 Ways to Use Up Leftover Halloween Candy</a></p> <h3>8. Make a Gratitude List</h3> <p>When you feel the onset of negativity, quickly turn your thoughts to everything in your life that you are grateful for. This high-vibe tactic diffuses the negativity and is like a reset button for your brain. I have a list I carry in my wallet of all the things I'm happy about &mdash; it's my secret weapon that I pull out and look at when I start to feel down.</p> <h3>9. Do an Act of Kindness</h3> <p>Studies have shown that giving to others elevates levels of dopamine in the brain and instantly boots feel-good brainwaves.</p> <h3>10. Create Your Own!&nbsp;</h3> <p>You know yourself better than anyone. If the items on this list don't particularly invigorate you, just think of the things that make you smile and do that! Eat your favorite food, look at a photograph that reminds you of an awesome vacation... anything that feels good is fair game.</p> <p>Some items on the list may work better for you than others, so choose the activities that excite you most. You will know when you have successfully &quot;flipped the switch&quot; because you will a) feel better and b) feel much more neutral about the triggering issue that set off the negative thoughts in the first place.</p> <p>Cheers to your newfound state of bliss, and happy Flipping!</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Feeling good about yourself and others is not out of reach. Drop the negativity and start taking steps to feeling happy today. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/love/Feminist-Halloween-Costumes-35742821#photo-35742821">30+ Fierce Halloween Costumes That Empower Women</a></li> <li><a href="http://www.popsugar.com/smart-living/Free-Halloween-Costumes-35472600#photo-35472600">44 Practically Free Halloween Costumes to DIY</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Make-My-Resume-Better-38831500">6 Ways to Revamp Your Résumé</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Use-Up-Leftover-Halloween-Candy-25696231#photo-25696231">9 Ways to Use Up Leftover Halloween Candy</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/10-things-you-can-do-today-to-be-happy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-7-exercises-are-scientifically-proven-to-increase-happiness">These 7 Exercises Are Scientifically Proven to Increase Happiness</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/22-lessons-every-20-something-should-learn">22 Lessons Every 20-Something Should Learn</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-win-the-lottery-without-paying-a-penny-for-the-ticket">How to Win the Lottery Without Paying a Penny for the Ticket</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/review-bluebird-women-and-the-new-psychology-of-happiness">Review: Bluebird -- Women and the New Psychology of Happiness</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/do-you-want-to-be-happy-then-heres-what-you-need-to-do">Do You &quot;Want&quot; to Be Happy? Then Here&#039;s What You Need to Do.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle Personal Development happiness health tips how to be happy lifestyle changes Fri, 30 Oct 2015 11:15:21 +0000 POPSUGAR Smart Living 1602654 at http://www.wisebread.com Best Money Tips: Do These Things to Be Happy Today http://www.wisebread.com/best-money-tips-do-these-things-to-be-happy-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-do-these-things-to-be-happy-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_smiling_000072270117.jpg" alt="Woman doing things that will make her happy today" 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 some great articles on things you can do today to be happy, ways to save time in the morning, and how to travel with only a carry-on.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/How-Happy-Now-38831578">10 Things You Can Do Today to Be Happy</a> &mdash; Music can help you shift your mood and mindset. Listen to music that energizes you and cheers you up. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/7-early-morning-time-savers-for-busy-families">7 Early Morning Time Savers for Busy Families</a> &mdash; Limit morning distractions. Having the TV or computer on can steal valuable time that you need for getting out of the house. [Parenting Squad]</p> <p><a href="http://moneyning.com/budget-travel/how-to-pack-light-travel-with-only-your-carry-on/">How To Pack Light &amp; Travel With Only Your Carry-On</a> &mdash; Packing your essentials first will give you a better idea as to how much room you have for nice-to-have items. [MoneyNing]</p> <p><a href="http://www.cheapism.com/blog/3916/clothing-care-tips">34 Tips to Make Your Clothes Last Longer</a> &mdash; Treat stains ASAP to keep them from setting, and be sure to treat them the right way. Dish soap works wonders on grease stains, but it won't do much for ink. [Cheapism]</p> <p><a href="http://www.experian.com/blogs/news/about/escape-scary-debt/">How to Escape Scary Debt</a> &mdash; Learn the tips and tricks of getting out of debt from people who done it&hellip;and survived! Check out Experian's #CreditChat on Wednesday, October 28 at 3 p.m. ET! [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/1025/How-to-send-your-kid-to-college-without-taking-on-debt">How to send your kid to college without taking on debt</a> &mdash; Talk to your child about going to a junior or community college for the first two years. They can transfer to another university for their final two years and be able to get the diploma from the university without paying full price for the education. [The Monitor]</p> <p><a href="http://www.kiplinger.com/slideshow/cars/T009-S001-winter-car-maintenance-tips/index.html">Winter Car Maintenance Tips</a> &mdash; Keep a survival kit in a place where the driver can access it, like in a the glove compartment. Include a space blanket, whistle, plastic bag to gather snow for water, and a single-edged razor blade to cut up your upholstery for insulation. [Kiplinger]</p> <p><a href="https://www.listenmoneymatters.com/networking-tips/">Networking Tips For Introverts</a> &mdash; Prepare a list of questions to draw from when you meet someone new. Some questions will be applicable to most people you meet &mdash; draw on those when you don't know what to say. [Listen Money Matters]</p> <p><a href="http://www.northerncheapskate.com/making-shoes-last-longer/">Making Shoes Last Longer</a> &mdash; A little bit of regular maintenance goes a long way! Periodically wipe your shoes with a damp cloth to remove dirt and grime, and keep them shiny with some shoe polish. [Northern Cheapskate]</p> <p><a href="http://moneysmartlife.com/part-time-business-ideas-for-college-students/">Five Part-time Business Ideas for College Students</a> &mdash; Many college students take part-time jobs, but it can be easier to accommodate a student's schedule &mdash; and more profitable &mdash; to start a part-time business. [Money Smart Life]</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-do-these-things-to-be-happy-today">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/25-easy-ways-to-make-someone-happy-today">25 Easy Ways to Make Someone Happy Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-easy-ways-to-live-a-happier-life">Flashback Friday: 51 Easy Ways to Live a Happier Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-happiness-a-case-study">The Key to Happiness: A Case Study</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/pay-attention">Pay attention</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/take-one-more-thing-seriously">Take One More Thing Seriously</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips happiness Tue, 27 Oct 2015 19:15:51 +0000 Amy Lu 1599961 at http://www.wisebread.com Best Money Tips: Small Changes for a Happier You http://www.wisebread.com/best-money-tips-small-changes-for-a-happier-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-small-changes-for-a-happier-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_autumn_000007679392.jpg" alt="Woman making small changes to get happier" 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 some great articles on small changes that will make you happier, challenges your budget will face this fall, and a few rules for bringing less stuff into your home.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/How-Become-Happier-36454534">Little Changes That Will Make You a Happier Person</a> &mdash; Give yourself something to look forward to on Friday nights, and it doesn't have to be a social event! You can take a bubble bath, make a dish that you crave, and other activities that you enjoy. [PopSugar Smart Living]</p> <p><a href="http://www.savingthousands.com/9-challenges-your-budget-will-face-this-fall/">9 Challenges Your Budget Will Face this Fall</a> &mdash; Home décor is a great way to get into the spirit of the season, but don't blow your budget on fall trappings. Instead, make DIY projects that use materials you already have. [Saving Thousands]</p> <p><a href="http://parentingsquad.com/5-rules-for-bringing-less-stuff-into-your-home">5 Rules for Bringing Less Stuff Into Your Home</a> &mdash; When you see something you want, wait 24 hours before you make the purchase. Having the time to think can help you realize that you don't want it all that much, after all! [Parenting Squad]</p> <p><a href="http://www.dontpayfull.com/blog/11-pet-care-tips-for-cold-weather">11 Pet Care Tips for Cold Weather</a> &mdash; If your pet stays outdoors most of the time, give them 10-15% more food to help them keep warm while it's cold out. [Don't Pay Full]</p> <p><a href="http://www.onesmartdollar.com/simplify-the-car-buying-process-with-these-4-tips/">Simplify the Car-Buying Process With These 4 Tips</a> &mdash; Don't let the dealership's salesperson pressure you into buying a car on your first trip. Think about it overnight; the perks they offered you will still be there tomorrow. [One Smart Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.getrichslowly.org/blog/2015/10/01/money-mistakes-to-avoid-in-your-40s/">Money mistakes to avoid in your 40s</a> &mdash; It's a good thing to have an emergency fund; it's a better thing to revisit your fund to make sure there's enough to cover your current needs. [Get Rich Slowly]</p> <p><a href="http://www.dinksfinance.com/2015/10/5-ways-to-control-your-spending-urges">5 Ways to Control Your Spending Urges</a> &mdash; Use the financial equivalent of a swear jar. When you spend carelessly, put your fun money into a jar as punishment. [Dinks Finance]</p> <p><a href="http://www.modestmoney.com/5-ways-to-make-quick-cash-that-wont-get-you-arrested/">5 Ways to Make Quick Cash (That Won&rsquo;t Get You Arrested)</a> &mdash; Go to schools, businesses and other places that might have a lot of aluminum cans and scrap metal. Collect the recyclables and turn them in for cash! [Modest Money]</p> <p><a href="http://everythingfinanceblog.com/15481/how-to-improve-your-budget.html">How to Improve Your Budget and Make it Work For You</a> &mdash; When building up your savings, make sure you set away funds for future inevitables, like a replacement car, furniture, and appliances. [Everything Finance]</p> <p><a href="http://www.financialsamurai.com/creating-multi-generational-financial-security/">How To Create Multi-Generational Financial Security</a> &mdash; Here's one way to maximize your money when you (and your retired parents) need it. [Financial Samurai]</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-small-changes-for-a-happier-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-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/big-list-of-things-to-be-happy-about">Big List of Things to be Happy About</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/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</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-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips happiness Fri, 02 Oct 2015 19:00:26 +0000 Amy Lu 1578573 at http://www.wisebread.com 15 Tiny Conveniences You Deserve http://www.wisebread.com/15-tiny-conveniences-you-deserve <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-tiny-conveniences-you-deserve" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_sweater_000069294277.jpg" alt="Woman discovering tiny conveniences she deserves" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sometimes the littlest <a href="http://www.wisebread.com/14-convenience-foods-i-refuse-to-do-without">everyday conveniences</a> are the biggest and most life-affirming. These are 15 tiny conveniences you deserve.</p> <h2>1. A Spare Sweater</h2> <p>Spontaneous trip to the movie theater with your friends? Boom, that spare sweater you left in your car last week saves you from shivering throughout the film.</p> <h2>2. The &quot;Undo&quot; Button in Gmail</h2> <p>It only took 25 years, but now we can <a href="https://support.google.com/mail/answer/1284885?hl=en">undo an email</a> we sent too soon, or accidentally sent as &quot;reply all.&quot; Saving face digitally is possible &mdash; and it's wonderful.</p> <h2>3. Sleep-In Sundays</h2> <p>The ability to stay in bed on Sunday, especially after an activity-packed (or club-hopping) Saturday, is the best feeling. What's more convenient than getting to stay in bed?</p> <h2>4. A Well-Timed Breath Mint</h2> <p>You're about to leave for that interview and you're out of gum. The old pack of breath mints at the bottom of your purse, or your fastidious friend who always has gum, saves the day.</p> <h2>5. Easy to Remember Wi-Fi Passwords</h2> <p>Too often, you go to your friend's house or a coffee shop, ask for the Wi-Fi password, and you're directed to a sheet with 80 characters. That one friend or corner cafe with a simple and memorable password always wins.</p> <h2>6. Neighbors Who'll Pet-Sit</h2> <p>Ever have a neighbor who loves your pet and is willing to feed and play with them when you're away? If not, you deserve it, because it is so grand.</p> <h2>7. A Tiny Park</h2> <p>Walking around the neighborhood and pass by a pocket park with a welcoming, sun-dappled bench and a place to curb your dog? Take it up on its offer of a lovely, convenient experience.</p> <h2>8. A Bonus Book</h2> <p>You finally stow your bags and drop into your seat in a cranky flop sweat. Then, you find a new book in the seat pocket in front of you. Now you've got something to read without buying the Wi-Fi!</p> <h2>9. Free ATMs</h2> <p>Going out without cash is an uneasy feeling: <em>what if we end up in a cash-only joint? </em>Stumbling upon your bank's ATM and not getting a fee is a winning moment. There should be a free ATM on every block.</p> <h2>10. Ice in the Freezer</h2> <p>There should be ice in the freezer at all times. What can possibly be worse for Friday night cocktails than mixing up a martini, only to find there's no ice to shake it? You deserve a cold martini.</p> <h2>11. A Shady Parking Spot</h2> <p>You make a sluggish summer afternoon trip to the grocery store, then pull into the lot to find a big tree-shaded spot near the entrance. What a relief! Not melting the ice cream in an overheated car is convenient, indeed.</p> <h2>12. Instant Tissues</h2> <p>Face tissues like Kleenex are so important. Ever been in the car when a sneezing fit strikes? Having some tissues on-hand always is something we all deserve.</p> <h2>13. Working Motion Sensors</h2> <p>Why do so many public bathrooms fail at this? You madly waive your hands in front of the infrared eye and the sink/paper dispenser/flush doesn't work. When a motion sensor does work, though? It's so nice.</p> <h2>14. A Pen When You Need It</h2> <p>That pen at the bottom of your purse probably doesn't work. Trying to type that information into your phone might look rude. That friendly face with a spare pen you can borrow is a saint. We should all be so lucky.</p> <h2>15. Naps</h2> <p>The holy grail of tiny conveniences is that micro-nap you get to take on your lunch break, or the well-earned nap in the middle of a deep spring cleaning, or the luxurious nap on the beach chair during vacation. It's the convenience we should all take for ourselves without fear or guilt.</p> <p><em>What some of your favorite tiny conveniences?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/15-tiny-conveniences-you-deserve">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/21-frugal-ways-to-reward-yourself-right-now">21 Frugal Ways to Reward Yourself Right 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/10-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</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-things-that-money-just-cant-buy">The things that money just can&#039;t buy</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-reasons-you-are-more-than-your-credit-score">7 Reasons You Are More Than Your Credit Score</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/9-ways-money-does-buy-happiness">9 Ways Money Does Buy Happiness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle conveniences happiness joys self-care splurges Tue, 11 Aug 2015 11:00:32 +0000 Amanda Meadows 1521725 at http://www.wisebread.com Best Money Tips: 15 Things That Happy People Avoid http://www.wisebread.com/best-money-tips-15-things-that-happy-people-avoid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-15-things-that-happy-people-avoid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_outside_000044868146.jpg" alt="Woman avoiding certain things to stay happy" 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 some great articles on the things that happy people avoid, how to get the best deals on Amazon, and a deliciously easy way to make peanut butter.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.pickthebrain.com/blog/15-things-happy-people-avoid-costs/">15 Things Happy People Avoid At All Costs</a> &mdash; Happy people avoid four-wall syndrome &mdash; they don't keep themselves cooped up indoors all day. [Pick The Brain]</p> <p><a href="http://moneyning.com/shopping-smart/how-to-get-the-best-deals-on-amazon-com/">How to Get the Best Deals on Amazon.com</a> &mdash; Use Amazon Pantry for everyday essentials like toilet paper or soap. [Money Ning]</p> <p><a href="http://savingdollarsandsense.com/how-to-make-homemade-peanut-butter/">How to Make Homemade Peanut Butter</a> &mdash; It's super easy (and cheap!) to make your own peanut butter. The only fancy equipment you need is a food processor! [Saving Dollars &amp; Sense]</p> <p><a href="http://www.popsugar.com/smart-living/How-Have-Productive-Coffee-Break-37638038">12 Ways to Make Your Coffee Break Better</a> &mdash; Take this opportunity to get away from your desk and clear your head. While you're away, chat with co-workers and make smart connections! [PopSugar Smart Living]</p> <p><strong>In case you missed it:</strong> <a href="http://www.wisebread.com/4-steps-to-finding-your-mortgage-lender">4 Steps to Finding Your Mortgage Lender</a> &mdash; Price is the main factor in your choice of a mortgage lender, so it's important that you do your homework and compare rates. Use a mortgage calculator if you need help! [Wise Bread]</p> <h2>Other Essential Reading</h2> <p><a href="http://timemanagementninja.com/2015/07/7-tips-to-keep-your-meetings-to-a-manageable-size/">7 Tips to Keep Your Meetings to a Manageable Size</a> &mdash; You need active participants at a meeting &mdash; not observers. [Time Management Ninja]</p> <p><a href="http://www.savingcoupons.in/blog/the-ultimate-checklist-for-safe-online-shopping-and-more-online-shopping">The Ultimate Checklist For Safe Online Shopping</a> &mdash; Don't just close the browser when you complete a transaction. Remember to log out! [Saving Coupons]</p> <p><a href="http://blog.readyforzero.com/6-things-to-tackle-before-purchasing-your-first-home/">6 Things to Tackle Before Purchasing Your First Home</a> &mdash; You may be eligible for assistance programs for homebuyers, so do some research! [Ready For Zero]</p> <p><a href="http://www.consumerismcommentary.com/life-is-short/">Life Is Short: Toxic Financial Attitudes</a> &mdash; Life <i>is</i> short, but that's no excuse to spend like crazy. It's important to balance the enjoyment of now with consideration for the future. [Consumerism Commentary]</p> <p><a href="http://parentingsquad.com/9-ways-to-entertain-kids-on-a-road-trip">9 Ways to Entertain Kids on a Road Trip</a> &mdash; Five your kids a map of the area you'll be traveling in and have them trace the route and mark the towns you pass. [Parenting Squad]</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-15-things-that-happy-people-avoid">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/25-easy-ways-to-make-someone-happy-today">25 Easy Ways to Make Someone Happy Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-easy-ways-to-live-a-happier-life">Flashback Friday: 51 Easy Ways to Live a Happier Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-happiness-a-case-study">The Key to Happiness: A Case Study</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/pay-attention">Pay attention</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/take-one-more-thing-seriously">Take One More Thing Seriously</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips happiness Thu, 30 Jul 2015 19:00:55 +0000 Amy Lu 1508487 at http://www.wisebread.com Best Money Tips: 7 Behaviors of Emotionally Wealthy People http://www.wisebread.com/best-money-tips-7-behaviors-of-emotionally-wealthy-people <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-7-behaviors-of-emotionally-wealthy-people" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_outdoors_000057044022.jpg" alt="Woman exhibiting behaviors of emotionally wealthy person" 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 some great articles on the behaviors of emotionally wealthy people, why more restaurant chains are offering delivery, and ways to get more use out of your old makeup.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/2015/07/7-behaviors-emotionally-wealthy-people-emulate.html">7 Behaviors Of Emotionally Wealthy People That You Should Emulate</a> &mdash; Emotionally wealthy people value their time. They do things that help them grow and satisfy their souls. [Dumb Little Man]</p> <p><a href="http://www.csmonitor.com/Business/The-Bite/2015/0708/Taco-Bell-expands-trial-of-food-delivery.-Why-more-chains-are-coming-to-you.-video">Taco Bell expands trial of food delivery. Why more chains are coming to you.</a> &mdash; Taco Bell and other chains that are testing the waters with delivery services hope to attract customers who like convenience and want to save time. [The Monitor]</p> <p><a href="http://thekrazycouponlady.com/tips/style/13-free-simple-ways-to-save-old-makeup/">13 Free and Simple Ways to Save Old Makeup</a> &mdash; Mix your old lipstick with a bit of petroleum jelly for smooth, creamy blush on your cheeks. [The Krazy Coupon Lady]</p> <p><a href="http://www.popsugar.com/smart-living/5-Household-Uses-Denture-Cleaner-8116869">5 Surprising Household Uses For Denture Cleaner</a> &mdash; Denture cleaner tablets are great at cleaning hard-to-reach places. Break one up, drop them into the drain trap, and run hot water to unclog your drain like a boss. [PopSugar Smart Living]</p> <p><a href="http://www.moneytalksnews.com/how-much-does-100-really-buy-your-state/">How Much Does $100 Really Buy in Your State?</a> &mdash; A hundred bucks goes the furthest in Mississippi, while it's worth the least in Washington, D.C. [Money Talks News]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.livingwellspendingless.com/2015/07/10/12-things-not-to-do-to-save-time-money-sanity">12 Things NOT to Do to Save Time, Money &amp; Sanity</a> &mdash; Cooking elaborate meals can be fun for some, but it gets time-consuming and expensive on a day-to-day basis. On regular weeknights, it's probably better to stick with plain, easy, and tasty meals. [Living Well Spending Less]</p> <p><a href="http://productivitytheory.com/five-tips-for-finishing-what-you-start/">5 Tips for Finishing What You Start</a> &mdash; Narrow down your list of goals, projects, and to-dos and prioritize your non-negotiables &mdash; the ones that are time-sensitive and the ones that others are counting on you to finish. [Productivity Theory]</p> <p><a href="http://www.modestmoney.com/how-to-purchase-big-ticket-items/">How to Purchase Big Ticket Items</a> &mdash; Unless you need an item immediately, try not to finance your purchase. The monthly interest rates will cost you more in the long run. [Modest Money]</p> <p><a href="http://www.goodfinancialcents.com/financial-planning-basics">Financial Planning Basics in 9 Steps</a> &mdash; Make sure you leave room in your budget for building an emergency fund and retirement savings. [Good Financial Cents]</p> <p><a href="http://parentingsquad.com/discovering-your-hero-is-a-monster-one-moms-reaction-to-the-cosby-scandal">Discovering Your Hero is a Monster: One Mom's Reaction to the Cosby Scandal</a> &mdash; When we expect celebrities to be our heroes, we may experience disbelief, sadness, and anger when we find out they did something horrible. [Parenting Squad]</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-7-behaviors-of-emotionally-wealthy-people">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/big-list-of-things-to-be-happy-about">Big List of Things to be Happy About</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/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</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-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips happiness Mon, 13 Jul 2015 19:00:12 +0000 Amy Lu 1486503 at http://www.wisebread.com 3 Times When You Should Absolutely Quit http://www.wisebread.com/3-times-when-you-should-absolutely-quit <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-times-when-you-should-absolutely-quit" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_ripping_contract_000061725482.jpg" alt="Woman deciding to quite her job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ask the average American about a time he or she quit something, and it's likely the answer will either be a dodge or some sort of self-deprecating joke. But as bad a reputation as quitting has, sometimes quitting while you're ahead (or before you get even further behind) can be the best, most intelligent, and bravest course of action.</p> <p>In fact, psychology professor Carsten Wrosch who has done research on the psychology of quitting has found that &quot;people who are better able to let go when they experience unattainable goals&hellip;experience less depressive symptoms, less negative affect over time&hellip;lower cortisol [the stress hormone] levels, and they have lower levels of systemic inflammation&hellip;and they develop fewer physical health problems over time.&quot;</p> <p>Whether you agonize over letting go of large or small goals, here are three times when it really does <a href="http://www.wisebread.com/5-things-you-must-do-before-you-quit-your-job">make sense for you to quit</a>:</p> <h2>You Are Worried About Your Sunk Costs</h2> <p>A sunk cost is the time, money, or resources that have already been spent, and cannot be recouped, on a particular project or goal. Sunk costs should have no bearing on whether or not you continue with a project, because the money has already been spent and cannot in any way affect the outcome.</p> <p>But something called the sunk-cost fallacy is a big reason why many people are unable to give up on a lost cause. According to Stephen J. Dubner, of Freakonomics fame, &quot;The <a href="http://freakonomics.com/2011/09/30/the-upside-of-quitting-full-transcript/">sunk-cost fallacy</a> is when you tell yourself that you can't quit because of all that time or money you spent. We shouldn't fall for this fallacy, but we do it all the time.&quot;</p> <p>For instance, a newly-minted doctor who realizes during his first year of residency that medicine is no longer the career he wants might stick with it anyway to keep from wasting all of that time he spent in school.</p> <p>What he fails to recognize is the fact that the time was &quot;wasted&quot; anyway, since he doesn't want to be a doctor. Becoming a doctor now would be wasting even more time because he'll be following a path he is not actually interested in.</p> <p>When you contemplate quitting, the only costs you should consider are <em>opportunity costs</em>. Those are the costs of continuing along your current path. For every dollar or hour or resource you spend in any endeavor, you have one less to spend elsewhere.</p> <p>Our hypothetical doctor should consider the opportunity cost of finishing his residency; he will have less time to do what he really loves to do. When he looks at the possibility of quitting in that way, it is clearer that becoming a doctor will cost him much more than just the time that has already been wasted.</p> <h2>Your Decision is Influenced by Others</h2> <p>When considering the opportunity costs of quitting, the waffling new doctor might worry that his parents will be disappointed in him for leaving the profession. That is certainly a valid concern and a real opportunity cost. But it is also making a decision based upon other people's opinions, rather than choosing what will make him happy. Unfortunately, many people give up their own happiness in order to avoid such social pressure.</p> <p>In particular, the social stigma of divorce can make unhappy couples decide to tough it out so they can claim they did not &quot;give up&quot; on the marriage. While divorce has a real opportunity cost in terms of others' disappointment and social stigma, that cost should not be weighted as heavily as the potential benefits and actual costs to the couple themselves.</p> <p>And the social pressure to persist can trickle down to much smaller decisions. For instance, I am an avid reader, but I tend to be commitment-phobic about starting to read something new &mdash; because I don't want to give up on a book halfway through. I feel an obligation to finish any book I start, but I honestly couldn't tell you why. I am not actually obligated to anyone to read a book from beginning to end. I would be happier and read more if I gave up this sense of obligation.</p> <h2>You're Not Enjoying Yourself</h2> <p>Whatever it is that you're considering quitting probably started off as enjoyable. Maybe you have been sending the novel you wrote to agents and publishers for years and have nothing but a stack of rejections to show for it. Now you dread sitting down to write and are almost afraid to check your mailbox. You're not having fun anymore.</p> <p>Often, what's going on here is <a href="http://moneyning.com/money-beliefs/how-loss-aversion-in-behavioral-economics-explains-your-irrational-money-choices/">loss aversion</a>. You have committed to the idea of becoming a published writer, and you're afraid that if you quit writing now you'll miss the big break that is just around the corner. After all, there are plenty of success stories of individuals who made it only after years and years and years of persistence.</p> <p>But if you have stopped enjoying the work, then you are committing yourself to persistence for its own sake, which is incredibly difficult to maintain. Letting go of the goal can help you be happier.</p> <h2>Quitting: The Path to Happiness (and Success)</h2> <p>Though it's unlikely that quitting will ever become socially acceptable, the fact of the matter is that becoming a strategic quitter can make your life better. Steve Levitt, the other half of the Freakonomics team, advocates learning to fail quickly. If you can quickly figure out which projects and goals are likely to fail, then you can strategically quit.</p> <p>That will help you to put your energy into the projects and goals that are most important and most likely to succeed.</p> <p><em>When was quitting the right choice for you? Tell us about it in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/3-times-when-you-should-absolutely-quit">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</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/13-great-reasons-to-quit-your-job">13 Great Reasons to Quit Your Job</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-three-f-rule-can-lead-you-to-happiness">The Three F Rule Can Lead You to Happiness</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-easy-ways-to-make-someone-happy-today">25 Easy Ways to Make Someone Happy Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building happiness loss aversion quitting sunk costs Thu, 28 May 2015 17:00:06 +0000 Emily Guy Birken 1432587 at http://www.wisebread.com Best Money Tips: Things You Can Do to Be Happier http://www.wisebread.com/best-money-tips-things-you-can-do-to-be-happier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-you-can-do-to-be-happier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_woman_sunshine_000049123168.jpg" alt="Woman learning what she can do to be happier" 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 some great articles on science-backed ways to be happier, things we tend to miss when budgeting, and supermarket tricks to get you to buy more.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/Happiness-Studies-30444303">9 Things You Can Do to Live a Happier Life, According to Science</a> &mdash; Happiness really is infectious! Surround yourself with positive people and you'll feel happier, too. [PopSugar Smart Living]</p> <p><a href="http://www.northerncheapskate.com/7-things-you-might-miss-when-budgeting/">7 Things You Might Miss When Budgeting</a> &mdash; When you set a budget, it's easy to forget about things like home maintenance and activities for the kids because these expenses don't come up very often. [Northern Cheapskate]</p> <p><a href="http://adebtfreestressfreelife.com/supermarket-tricks-that-get-you-to-buy-more/">Supermarket Tricks That Get You To Buy More</a> &mdash; You're more likely to overspend when you shop with a larger cart. [A Debt Free Stress Free Life]</p> <p><a href="http://pakwired.com/5-motivation-killers-to-beware-of/">5 Motivation Killers to Beware Of</a> &mdash; Failure can suck the motivation right out of you, and you're more likely to fail if you set unrealistic standards. [Pakwired]</p> <p><a href="http://www.moneyunder30.com/how-being-organized-can-save-money">How Being Organized Can Save Money: Organization Ideas For All Corners Of Your Life</a> &mdash; Take your mail organization to the next level by creating a command center for mail and everything you'll need when you step out the door. [Money Under 30]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0428/How-to-fix-these-three-common-credit-card-reporting-errors">How to fix these three common credit card reporting errors</a> &mdash; If you find incorrect details on your credit report, call the bank or lender that is providing the credit agency with the information. [The Monitor]</p> <p><a href="http://www.mydollarplan.com/3-important-legal-documents-for-unmarried-couples/">3 Important Legal Documents for Unmarried Couples</a> &mdash; A power of attorney will give your partner the ability to make health related decisions on your behalf if you are unable to do so. [My Dollar Plan]</p> <p><a href="http://www.thousandaire.com/smart-ways-to-finance-your-failing-business/">Smart Ways to Finance Your Failing Business</a> &mdash; Offer prepayment discounts to some of your bigger customers. [Thousandaire]</p> <p><a href="http://www.lifehack.org/articles/money/10-signs-youre-committing-financial-suicide-though-you-dont-feel-you-are.html">10 Signs You&rsquo;re Committing Financial Suicide Though You Don&rsquo;t Feel You Are</a> &mdash; You're in for a rough ride if you decide to have kids before you're financially stable. [Lifehack.org]</p> <p><a href="http://parentingsquad.com/6-things-i-actually-want-for-mothers-day">6 Things I Actually Want for Mother's Day</a> &mdash; Unsurprisingly, sleep is at the top of the list! [Parenting Squad]</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-things-you-can-do-to-be-happier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/big-list-of-things-to-be-happy-about">Big List of Things to be Happy About</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/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</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-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips happiness Wed, 06 May 2015 19:00:31 +0000 Amy Lu 1414063 at http://www.wisebread.com Best Money Tips: Things to Say Yes to for a Happy Life http://www.wisebread.com/best-money-tips-things-to-say-yes-to-for-a-happy-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-to-say-yes-to-for-a-happy-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/two-women-talking-park-Dollarphotoclub_42232750.jpg" alt="two women conversation" title="two women conversation" 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 things to say yes to for a happy life, foods you should make instead of buy, and money mistakes to avoid if you want to be rich.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.positivityblog.com/index.php/2015/01/15/yes-happy-life/">10 Things to Start Saying Yes to This Year for a Happy Life</a> &mdash; Say yes to making someone else happy. You can offer practical help, or just listen when they need an ear. [The Positivity Blog]</p> <p><a href="http://www.popsugar.com/smart-living/Foods-Cheaper-Make-Rather-Than-Buy-25387569#photo-25387569">10 Food Items You Should Stop Buying (and Make Instead!)</a> &mdash; Why buy pure vanilla extract at $3 per ounce when you can make your own just by steeping vanilla beans in vodka? [PopSugar Smart Living]</p> <p><a href="http://www.quizzle.com/blog/2015/01/top-money-mistakes-avoid-want-to-be-rich/">Top Money Mistakes to Avoid If You Want to Be Rich</a> &mdash; Saving money is important, but if you want to be rich, focus your energy on finding ways to earn more. [Quizzle Wire]</p> <p><a href="http://www.everybodylovesyourmoney.com/2015/01/19/10-extreme-frugality-tips.html">10 Extreme Frugality Tips</a> &mdash; Only buy things secondhand. If you can find it for free on the curb or on Craigslist, even better! [Everybody Loves Your Money]</p> <p><strong>In case you missed it:</strong> <a href="http://www.wisebread.com/5-ways-social-media-saved-someones-life">5 Ways Social Media Saved Someone's Life</a> &mdash; When Michele Freeman posted a picture of her toddler on Facebook, one friend noticed that there was something odd about little Grace's eyes. [Wise Bread]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.financiallypoor.com/home-ownership/7-ways-to-improve-the-resale-value-of-a-home/">7 Ways to Improve the Resale Value of a Home</a> &mdash; Highlight the best parts of your home by placing different kinds of lighting at strategic locations. [Financially Poor]</p> <p><a href="http://blog.readyforzero.com/free-spreadsheets-paying-debt/">Top 5 Best (Free) Spreadsheets for Paying Off Debt</a> &mdash; If you need help mapping out what you owe, try using a free debt spreadsheet from Vertex, Squawkfox, or others! [ReadyForZero]</p> <p><a href="http://www.doughroller.net/productivity/7-ways-harness-power-habit/">7 Ways to Harness the Power of Habit</a> &mdash; There are three parts to a habit loop: the cue, routine, and reward. If you want to change a habit, focus on the routine. [Dough Roller]</p> <p><a href="http://momsneedtoknow.com/uses-egg-cartons">9 Uses for Egg Cartons</a> &mdash; Use egg cartons to organize all the loose nuts, bolts, and screws in your toolbox. [Moms Need to Know]</p> <p><a href="http://parentingsquad.com/10-first-aid-skills-every-parent-should-learn">10 First Aid Skills Every Parent Should Learn</a> &mdash; Insect bites and stings can be treated with a cold compress. Don't use first aid creams or ointments if the skin is broken &mdash; just rinse with soap and water. [Parenting Squad]</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-things-to-say-yes-to-for-a-happy-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</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/big-list-of-things-to-be-happy-about">Big List of Things to be Happy About</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/25-ways-to-be-a-better-person-today">25 Ways to Be a Better Person Today</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-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips happiness Thu, 22 Jan 2015 20:00:09 +0000 Amy Lu 1282662 at http://www.wisebread.com