shopping tips http://www.wisebread.com/taxonomy/term/7/all en-US Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping http://www.wisebread.com/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_makes_christmas_shopping_online_with_laptop.jpg" alt="Woman makes Christmas shopping online with laptop" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Traditionalists may debate the merits of putting up Christmas decorations well before Thanksgiving, as many retailers do these days. But the November displays are actually a good cue to start preparing your finances for holiday shopping. This includes considering your credit card options to earn the most possible rewards from your credit cards, and get the best benefits from your holiday purchases.</p> <p>Here are six things that you can do to get ready.</p> <h2>1. Sign up for a cash back card</h2> <p>Unless you're already heavily invested in a specific travel rewards program, you'll probably be better off using a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back rewards card</a>. Some of the best cards for holiday shopping offer as much as 5 percent back at select department stores and retailers such as Walmart, Amazon, and Target. In addition to cash rewards on your purchases, many credit cards offer a <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=internal" target="_blank">bonus offer to their new cardholders</a>, which can net you a few hundred dollars just for meeting their spending requirement, which is easiest to do this time of year.</p> <p>Another option is to choose a card that offers you as much as 2 percent cash back on all of your purchases. With these <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=internal" target="_blank">flat-rate rewards cards</a> you avoid having to keep up with category bonuses. However, you should only use reward credit cards if you can avoid interest charges by paying your monthly statement balances in full. Otherwise, it's better to find a card with the lowest interest rate.</p> <h2>2. Be sure to activate your bonus purchase opportunities</h2> <p>If you do choose to go with a card that features rotating bonus categories, check the terms. You may need to log in and activate the bonus categories each quarter. Thankfully, even if you activate after the quarter begins, you should receive your bonus points for the qualifying purchases you've already made during the quarter. Keep in mind that these bonus categories often come with limits on how much you can earn. Keep track of your purchases and switch cards once you've reached the limit. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-rotating-reward-categories?ref=seealso" target="_blank">Best Credit Cards With Rotating Reward Categories</a>)</p> <h2>3. Learn about shopping portals</h2> <p>Many credit cards and loyalty programs offer online shopping portals that allow you to earn extra points, miles, or cash back from your purchases. They usually feature top national retailers, and can usually pad your purchase rewards by one or two points per dollar spent, but occasionally you'll find deals for as much as 30 points per dollar spent. Also, most airline and hotel loyalty programs have their own rewards portals. When you use these websites, you can also earn rewards with your credit card, in effect stacking your rewards earning potential. (See also: <a href="http://www.wisebread.com/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping?ref=seealso" target="_blank">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</a>)</p> <h2>4. Examine your cardholder benefits</h2> <p>One of the best things about using your credit card for holiday shopping is the cardholder benefits that can apply to your purchases. For example, many credit cards include <a href="http://www.wisebread.com/how-credit-cards-protect-your-purchases-from-damage-or-theft?ref=internal" target="_blank">accidental damage and theft protection</a>, as well as an <a href="http://www.wisebread.com/how-free-extended-warranties-work-on-credit-cards?ref=internal" target="_blank">extended warranty policy</a>. Other shopping benefits may include <a href="http://www.wisebread.com/how-to-get-a-price-match-through-your-credit-card?ref=internal" target="_blank">price protection</a> and <a href="http://www.wisebread.com/how-to-return-items-through-your-credit-card-if-the-store-refuses?ref=internal" target="_blank">return protection</a>. Once you know which cards offer the best benefits, you may use that as a factor in determining which new card to apply for, or which card to pull from your wallet for a particular purchase. (See also: <a href="http://www.wisebread.com/5-reasons-to-use-your-credit-card-for-holiday-purchases?ref=seealso" target="_blank">5 Reasons to Use Your Credit Card for Holiday Purchases</a>)</p> <h2>5. Decide if it's worth getting a store credit card</h2> <p>One thing is for sure, many of the stores you visit will offer you an application for their <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=internal" target="_blank">co-branded credit card</a>. But rather than trying to make a quick decision at the cash register, find out in advance if it's worth considering.</p> <p>Many retail credit cards have a high interest rate. Look at the terms and conditions for the cards from your favorite retailers, and the quality of the rewards program offered. Then you can decide if it's worth getting the store card, or if you should simply decline the offer and complete your purchase. (See also: <a href="http://www.wisebread.com/should-you-sign-up-for-that-store-credit-card?ref=seealso" target="_blank">Should You Sign Up for That Store Credit Card?</a>)</p> <h2>6. Consider an interest-free promotional financing offer</h2> <p>If you are unsure whether you'll be able to pay off all of your credit card balances during the holidays, think about opening a card with a <a href="http://www.wisebread.com/5-best-credit-cards-with-0-apr-for-purchases" target="_blank">0 percent APR offer for new purchases</a>. These offers allow you to avoid interest charges on your purchases for at least six months, and often 15 months or longer.</p> <p><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=internal" target="_blank">Balance transfer cards</a> can also help you out after you've rung up more than you can immediately pay off, but it's better to use an interest-free financing offer on new purchases now. That's because nearly all 0 percent balance transfer offers have a 3&ndash;5 percent fee. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-to-wipe-out-holiday-debt?ref=seealso" target="_blank">Best Credit Cards to Wipe Out Holiday Debt</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">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/9-ways-to-use-miles-and-points-for-holiday-gifts">9 Ways to Use Miles and Points for Holiday Gifts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-prepare-for-your-best-black-friday">11 Ways to Prepare for Your Best Black Friday</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/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</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-frugal-skills-you-need-to-survive-black-friday">8 Frugal Skills You Need to Survive Black Friday</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/now-or-later-how-to-decide-the-right-time-to-buy-almost-anything">Now or Later: How to Decide the Right Time to Buy Almost Anything</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping christmas shopping holiday shopping Holidays money moves shopping tips Spending Money Thu, 09 Nov 2017 08:30:13 +0000 Jason Steele 2050418 at http://www.wisebread.com How to Get Your Money Back When You’re Denied a Refund http://www.wisebread.com/how-to-get-your-money-back-when-you-re-denied-a-refund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-your-money-back-when-you-re-denied-a-refund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/angry_student_talking_on_phone_with_customer_service.jpg" alt="Angry student talking on phone with customer service" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sometimes a credit card transaction just doesn't go well. You might receive an item that doesn't match the description. The item could arrive broken, or your item might never arrive at all.</p> <p>When there are problems with a transaction, most merchants will work with you to resolve your issue and make you a happy customer. But what can you do if they refuse to give you a refund?</p> <p>I recently called a merchant for help resolving an issue with a purchase I made. The customer service representative said they had done all they could do and they would not be able to resolve my issue. I asked to speak to a supervisor, and was told that there was no supervisor I could speak with. When a merchant denies your request for a refund, it may seem that there's nowhere else to turn. But if you used a credit card to pay, you have a powerful tool that you can use &mdash; the chargeback. (See also: <a href="http://www.wisebread.com/how-to-return-items-through-your-credit-card-if-the-store-refuses?ref=seealso" target="_blank">How to Return Items Through Your Credit Card If the Store Refuses</a>)</p> <h2>What is a chargeback?</h2> <p>Your credit card company can remove a charge from your credit card statement if the charge is fraudulent, was made in error, or if you did not receive the item you were promised. A chargeback can be used to resolve issues with a transaction even if a merchant does not cooperate or respond to your complaint. (See also: <a href="http://www.wisebread.com/6-awesome-credit-card-tricks-that-will-save-you-money?ref=seealso" target="_blank">6 Awesome Credit Card Tricks That Will Save You Money</a>)</p> <h2>What are the requirements to pursue a chargeback?</h2> <p>The legal basis for reversing credit card charges in disputed transactions is established by the <a href="https://www.ftc.gov/sites/default/files/fcb.pdf" target="_blank">Fair Credit Billing Act</a>. Some of the basic requirements for disputing a credit card charge and getting a chargeback are:</p> <ul> <li> <p>A valid reason to reverse a credit charge such as billing error, fraudulent charge, incorrect item, or damaged item.</p> </li> <li> <p>The customer must dispute the charge within 60 days of when the statement was sent, although some credit card companies have policies that allow customers more time to file a complaint.</p> </li> <li> <p>The credit card company may request that the customer attempt to resolve an issue relating to goods with the merchant first before proceeding to dispute a credit charge.</p> </li> </ul> <h2>How long does it take to get your money back?</h2> <p>After you contact your credit card company to dispute a charge, a conditional refund may appear on your statement immediately while the issue is being investigated. If the investigation does not result in overturning your claim, the refund will stand. The investigation can take several weeks to complete while the merchant has the opportunity to produce documentation to substantiate the credit charge. (See also: <a href="http://www.wisebread.com/how-to-get-a-refund-when-something-is-non-refundable?ref=seealso" target="_blank">How to Get a Refund When Something Is Non-Refundable</a>)</p> <h2>How to get a chargeback</h2> <h3>Step 1. Document it</h3> <p>Collecting documentation of your issue with a transaction will help you resolve it successfully. If you receive an item that is damaged, take pictures as you unbox it. If you receive the wrong item, take pictures of the item and save screen captures of the item description. Save any invoices and packing slips you received with the package or via email, as well.</p> <h3>Step 2. Contact the merchant</h3> <p>Call or email the merchant to describe your issue and state what you want the merchant to do to fix it. Document your communication with the merchant. Save copies of emails, and for phone calls note the date, time, phone number, name of the person you spoke with, and what the representative said.</p> <h3>Step 3. Initiate a credit dispute</h3> <p>If the merchant does not resolve your issue, contact your credit card company to dispute the credit charge and initiate the chargeback process. You may need to initiate the dispute within 60 days of the purchase, depending on your credit card company's policy.</p> <h3>Step 4. Document your complaint</h3> <p>Your credit card company may ask you to complete forms describing the reason you are disputing the credit charge and to provide copies of invoices and other documentation to support your complaint. Keep copies of all forms and documents that you provide.</p> <h2>What if the chargeback is rejected?</h2> <p>If the merchant provides evidence that the credit charge was legitimate, the chargeback may be rejected. At this point, the credit charge will reappear on your statement. If you want to take further measures to resolve your issue, you could request a &quot;Claims and Defenses&quot; chargeback if you have an issue with the quality of goods or services that you received on a credit charge.</p> <p>Depending on the nature of your claim, the next step after attempting a chargeback may be to seek legal advice and contact the merchant again to request resolution. The merchant may be motivated to resolve your issue to avoid a lawsuit if they think you have a strong case.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-get-your-money-back-when-you-re-denied-a-refund&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Get%2520Your%2520Money%2520Back%2520When%2520You%25E2%2580%2599re%2520Denied%2520a%2520Refund.jpg&amp;description=How%20to%20Get%20Your%20Money%20Back%20When%20You%E2%80%99re%20Denied%20a%20Refund"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Get%20Your%20Money%20Back%20When%20You%E2%80%99re%20Denied%20a%20Refund.jpg" alt="How to Get Your Money Back When You&rsquo;re Denied a Refund" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/how-to-get-your-money-back-when-you-re-denied-a-refund">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/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-misleading-gadget-marketing-gimmicks">8 Misleading Gadget Marketing Gimmicks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-questions-to-ask-before-buying-refurbished-appliances">4 Questions to Ask Before Buying Refurbished Appliances</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-common-shopping-myths-debunked">6 Common Shopping Myths, Debunked</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping chargeback credit dispute getting a refund how to get a refund refund shopping tips transactions Mon, 30 Oct 2017 09:00:06 +0000 Dr Penny Pincher 2041945 at http://www.wisebread.com Flashback Friday: 44 Ways to Effectively Resist Impulse Buys http://www.wisebread.com/flashback-friday-44-ways-to-effectively-resist-impulse-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-44-ways-to-effectively-resist-impulse-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_bags_610255602.jpg" alt="Woman effectively resisting impulse buys" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The impulse buy is sly. It is cunning. It can suck you into its wasteful clutches before you realize you don&rsquo;t actually need that gadget or geegaw or trifle in the first place. Impulse buys are also major budget busters, as they are often unplanned expenses that can add up quickly. If you're looking to resist the lure of the impulse buy, succumb to the charms of these 44 impulse buy busters.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_holding_cake_37433622.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/10-classic-impulse-buys-we-need-to-stop-falling-for?ref=fbf" target="_blank">10 Classic Impulse Buys We Need to Stop Falling For</a> &mdash; To defeat your enemy, you must first learn everything you can about them. So in terms of impulse buys, you need to know which products to avoid. These are the items we all fall for, so steer clear.</p> <p><a href="http://www.wisebread.com/6-ways-having-your-groceries-delivered-can-save-you-money?ref=fbf" target="_blank">6 Ways Having Your Groceries Delivered Can Save You Money</a> &mdash; A big chunk of impulse buys include food. Whether it's candy at the checkout line, ice cream when you decide you've had a bad day and deserve it, or three extra frozen pizzas because you've had a bad week, if you get your groceries delivered to your doorstep, you can likely avoid all of these purchases. And save money while you're at it!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-167399345.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/now-or-later-how-to-decide-the-right-time-to-buy-almost-anything?ref=fbf" target="_blank">Now or Later: How to Decide the Right Time to Buy Almost Anything</a> &mdash; Cutting out the classic impulse buys entirely from your budget isn't a good idea though, because it'll come to feel like deprivation, which can lead to even more reckless spending. So if you use this guide to determine when you should stock up on some of your favorite comfort buys, you will be victorious.</p> <p><a href="http://www.wisebread.com/9-simple-ways-to-stop-impulse-buying?ref=fbf" target="_blank">9 Simple Ways to Stop Impulse Buying</a> &mdash; Cutting back on impulse buys is a great idea, in theory. But so is eating right, getting eight hours of sleep, and exercising four or five times a week, and not many of us practice these healthy habits consistently. These tips will simplify the concept, though, so that in a moment of weakness, you'll make the right choice.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/online_shopping_from_home.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys?ref=fbf" target="_blank">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a> &mdash; Sure, &quot;simple&quot; ways to prevent impulse buys sounds helpful, but you know what sounds even better? &quot;Effortless.&quot; These tips will make impulse buys seem as easy as breathing, well, almost.</p> <p><a href="http://www.wisebread.com/11-money-habits-that-make-you-look-financially-immature?ref=fbf" target="_blank">11 Money Habits That Make You Look Financially Immature</a> &mdash; Impulse buying is a bad habit. It's also a financially immature habit, because it screams, &quot;I want it <em>now</em>, so I will have it <em>now</em>!&quot; Once you accept that, and decide you want to avoid all immature financial habits, you'll be less likely to make these poor shopping choices.</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-44-ways-to-effectively-resist-impulse-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/7-effortless-ways-to-prevent-budget-busting-impulse-buys">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</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-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-things-that-should-never-cost-more-than-99">11 Things That Should Never Cost More Than $99</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-53-grocery-shopping-tricks-thatll-make-your-life-easier">Flashback Friday: 53 Grocery Shopping Tricks That&#039;ll Make Your Life Easier</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-23-mental-tricks-thatll-help-you-save-money">Flashback Friday: 23 Mental Tricks That&#039;ll Help You Save Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping budget tips candy fbf flashback friday impulse buys shopping tips smart shopping Fri, 27 Oct 2017 08:30:12 +0000 Chrissa Hardy 2043436 at http://www.wisebread.com 7 Effortless Ways to Prevent Budget-Busting Impulse Buys http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-effortless-ways-to-prevent-budget-busting-impulse-buys" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/online_shopping_from_home.jpg" alt="Online shopping from home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I can remember a time when <a href="http://www.wisebread.com/9-simple-ways-to-stop-impulse-buying?ref=internal" target="_blank">controlling impulse spending</a> was relatively easy &mdash; if you avoided going into stores, you missed the vast majority of spending opportunities. Yes, there were the As Seen On TV products you could buy over the phone, as well as the occasional door-to-door salesperson or girl scout giving you a chance to fall victim to a spending impulse &mdash; but in general, pre-internet consumers had much greater control over their shopping environments.</p> <p>Now that the majority of Americans have smartphones or tablets, you don't even have to get out of bed to have to spend money. That means you still have to avoid the types of impulse purchases that have been plaguing would-be savers for years &mdash; like the candy bars in the checkout at the grocery store &mdash; and beware of the more modern spending temptations &mdash; like shopping apps, targeted advertisements on social media, and freemium games.</p> <p>However, even though impulse spending is effortless in the modern age, avoiding impulse spending can be just as effortless. Here are seven ways you can control your impulse buys without ever breaking a sweat. (See also: <a href="http://www.wisebread.com/10-classic-impulse-buys-we-need-to-stop-falling-for?ref=seealso" target="_blank">10 Classic Impulse Buys We Need to Stop Falling For</a>)</p> <h2>1. Remove your credit card information from online retailers</h2> <p>Every online merchant offers the same helpful &quot;service,&quot; which is remembering your payment information so you don't have to enter it every time you make a purchase. But that service is actually only helpful to the retailer, since it makes it possible to buy something with a single click without giving the purchase a second thought.</p> <p>It's a major bummer to have to get up and hunt down your wallet or purse to enter in your credit card information. But that &quot;major bummer&quot; of having to get up is the time that the angel on your shoulder needs to remind you that you probably shouldn't be spending any more money. And having time for such a mental reminder is a necessary part of keeping your spending in check. After all, retailers wouldn't remember your information for you if it weren't in their best interest. (See also: <a href="http://www.wisebread.com/8-self-destructive-habits-that-keep-you-in-debt?ref=seealso" target="_blank">8 Self-Destructive Habits That Keep You in Debt</a>)</p> <h2>2. Block internet access to your favorite retail sites</h2> <p>I removed my credit card information from all of the usual retail shopping sites, but since I have my credit card number memorized, it did not slow down my impulse purchases a great deal. An easier way to keep me from surfing my favorite online retail sites is to install a web-filtering software to automatically block them for me.</p> <p>For instance, programs like <a href="http://download.cnet.com/Optenet-Web-Filter-PC/3000-2132_4-10494320.html" target="_blank">Optenet Web Filter PC</a> completely block users from accessing entire genres of internet sites. You can pick what types of sites you want to block (such as shopping, games, social media, etc.), which you then password protect. Either let a friend choose your password to keep you from disabling the block, or choose a random string of letters and numbers for your password, and store the impossible-to-remember password someplace difficult to access. If you have to get a ladder to get the password down from the very top shelf of your guest room closet, you're less likely to disable the block when you're in the mood to shop.</p> <h2>3. Remove shopping apps from your phone</h2> <p>You may love scrolling through the apps for your favorite retailers, but they are just another path to impulse spending. There is no reason for you to invite these temptations into your life!</p> <h2>4. Unsubscribe from shopping emails</h2> <p>Along the same vein, it's a lot harder to succumb to the temptation to shop if you aren't reminded of the opportunity. Unsubscribe from any retailer emails you receive &mdash; or if going through the unsubscription process is too much of a hassle, then simply filter those emails to go straight into the trash. That way, you won't see them before they get trashed. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life?ref=seealso" target="_blank">5 Easy Ways to Declutter Your Digital Life</a>)</p> <h2>5. Use gift cards for mobile purchases</h2> <p>Deciding to download your new favorite song from iTunes seems like a no-brainer, since it only costs 99 cents. But it's surprisingly easy to spend a small fortune on songs, apps, and in-game upgrades on your mobile devices, since each little purchase doesn't seem to be worth worrying about. Unfortunately, you might find yourself staring down the loss of big bucks if you let yourself click-to-buy any kind of mobile purchase that tickles your fancy.</p> <p>To protect yourself from wasting more money than you can afford on mobile device purchases, pick up a gift card to iTunes or Google Play each month. That works as a natural limit on how much you can spend on mobile purchases. Once you've reached your limit, you'll just have to wait until the following month before you can start buying again.</p> <h2>6. Make it easy to get entertainment for free</h2> <p>I'm an avid reader, and I'll often receive emails or ads that suggest books that I might be interested in reading. On the plus side, the algorithms that Amazon and Audible use to recommend books are top-notch, and I love the books I end up reading or listening to. However, it's very easy to spend more than I can afford on these books.</p> <p>That's why I have my local library's website bookmarked on my computer, and its app installed on my phone. When I learn of a book that I want to read, I immediately log onto the library and put a hold on the book. I feel the same sense of instant gratification I would experience by buying the book, without having to spend a penny.</p> <p>While it may take a little longer for me to receive the book than it would if I bought it, I'm putting holds on books at least once a week, so I consistently have a new book or audiobook waiting for me at the library through this system. This method could work just as easily for movies and music, or any other entertainment you can find at your local library. (See also: <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks?ref=seealso" target="_blank">5 Easiest Ways to Score Free eBooks</a>)</p> <h2>7. Have a snack</h2> <p>There is definitely something to the age-old advice about never going grocery shopping on an empty stomach: according to a <a href="http://psycnet.apa.org/record/2007-00654-010" target="_blank">2007 study by Matthew T. Gailliot and Roy F. Baumeister</a>, your ability to exert self-discipline depends partially on your blood-glucose levels.</p> <p>This is pretty obvious when you are hungry in the supermarket, since you're feeling tempted by the very thing you lack. However, the relationship between self-discipline and blood-glucose levels is also behind your struggle to avoid other types of temptations. That's because, according to the researchers, &quot;self-control requires a certain amount of glucose to operate unimpaired.&quot;</p> <p>This means that an easy way to control your impulse spending is to have a piece of fruit or other complex carbohydrate when you're feeling tempted to buy something you don't need.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-effortless-ways-to-prevent-budget-busting-impulse-buys&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Effortless%2520Ways%2520to%2520Prevent%2520Budget-Busting%2520Impulse%2520Buys.jpg&amp;description=7%20Effortless%20Ways%20to%20Prevent%20Budget-Busting%20Impulse%20Buys"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Effortless%20Ways%20to%20Prevent%20Budget-Busting%20Impulse%20Buys.jpg" alt="7 Effortless Ways to Prevent Budget-Busting Impulse Buys" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/flashback-friday-44-ways-to-effectively-resist-impulse-buys">Flashback Friday: 44 Ways to Effectively Resist Impulse Buys</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-things-that-should-never-cost-more-than-99">11 Things That Should Never Cost More Than $99</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</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/heres-how-too-many-decisions-costs-you-money">Here&#039;s How Too Many Decisions Costs You 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/8-items-you-should-never-buy-online">8 Items You Should Never Buy Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping budget busters budget tips impulse buys online shopping shopping habits shopping tips Wed, 25 Oct 2017 09:00:06 +0000 Emily Guy Birken 2041943 at http://www.wisebread.com How to Keep Food Waste From Spoiling Your Budget http://www.wisebread.com/how-to-keep-food-waste-from-spoiling-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-keep-food-waste-from-spoiling-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-459410387.jpg" alt="save money by tracking food waste" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How much food do wealthy nations waste? More than <a href="http://www.fao.org/save-food/resources/keyfindings/en/" target="_blank">all of Sub-Saharan Africa produces</a>, according to the Food and Agriculture Organization of the United Nations. In the United States alone, from the farm to your kitchen, half of all produce ends up in the trash, according to a report by The Guardian.</p> <p>What does that waste mean for your household budget? If you're like the average family of four, you're literally <a href="https://www.nrdc.org/resources/wasted-how-america-losing-40-percent-its-food-farm-fork-landfill" target="_blank">throwing away $1,800 a year</a>, the National Resources Defense Council estimates.</p> <p>So a melon is a terrible thing to waste. We've heard it before. But what can we really do about it? Here are six ideas for taking action by quantifying food waste. (See also: <a href="http://www.wisebread.com/youre-wasting-13-of-the-food-you-buy-heres-how-to-stop?ref=seealso" target="_blank">You're Wasting 1/3 of the Food You Buy &mdash; Here's How to Stop</a>)</p> <h2>Weigh your waste</h2> <p>The Environmental Protection Agency suggests that households spend two weeks separating &quot;preventable food waste&quot; garbage from inedible scraps as part of its <a href="https://www.epa.gov/sites/production/files/2016-02/documents/get_smart_ftgtw_2_1_2016_pubnumberadded_508.pdf" target="_blank">Food: Too Good to Waste Challenge</a>.</p> <p>At the end of each week, weigh and record the food you could have eaten but tossed instead. Then, spend three weeks using the EPA's tips to improve your planning, shopping, and storage practices. Finally, measure what you waste during the sixth week, and share the impressive progress you've (ideally) made on social media. (See also: <a href="http://www.wisebread.com/waste-not-want-not-stop-throwing-away-your-food?ref=seealso" target="_blank">Waste Not, Want Not: Stop Throwing Away Your Food!</a>)</p> <h2>Get the app</h2> <p>So often in busy households food goes to waste because you forget it's there. The iOS app <a href="https://itunes.apple.com/us/app/nowaste-food-inventory-list/id926211004?mt=8" target="_blank">No Waste</a> allows you to scan the barcodes of stuff in your fridge, enter expiration dates, and track everything you've got. If you don't mark a food item as &quot;eaten&quot; before its expiration date, the app marks that food as wasted. It keeps track of the percent of your food that you waste, and shows you a cute little tree that loses its green if your waste increases. It also allows you to compare your waste percentage with other app users, and gives you an estimate of how much money you're saving by eating the food you paid for.</p> <h2>Create a food diary</h2> <p>This <a href="http://www.squawkfox.com/wp-content/uploads/2012/04/Food-Waste-Diary.pdf" target="_blank">printable food waste diary</a> prompts you to record not just the amount of food wasted at each meal, but also the reason and estimated value. This should be helpful to put a weekly dollar figure on your waste and motivate you to <a href="http://www.wisebread.com/10-smart-uses-for-food-thats-about-to-go-bad" target="_blank">consume foods that are about to go bad</a>.</p> <h2>Impose consequences</h2> <p>Whether you used a printable from, a smartphone app, or simply scrawled the amounts and values of your waste on a scrap of paper stuck to the fridge, what do you do with this data? Why not use it to (gently) punish yourself? Take the total value of this week's waste, and deduct it from next week's grocery budget. Chances are, the pain of passing up buying the steak you wanted might help you remember to use up that meatloaf next week.</p> <h2>Track it publicly</h2> <p>Recording your food waste alone in your kitchen is OK, but wouldn't it be more fun to inspire others by planning a <a href="https://challenges.openideo.com/challenge/food-waste/research/assignments/mission-no-waste-meal1" target="_blank">Watch Your Waste Meal</a>? In the days leading up to your event, you're supposed to track your waste and share photos of your discards, which a celebrity chef might use as inspiration for a new dish.</p> <h2>Take a picture, it'll last longer</h2> <p>Are you more of a visual learner? Then follow The Frugal Girl's example and photograph <a href="http://www.thefrugalgirl.com/category/food-waste/food-waste-photos/" target="_blank">every bit of food you waste</a>. If you really want to push yourself to improve, share it online like she does! But even a private gallery of moldy horrors should be enough to encourage yourself to save the kale.</p> <h2>Beyond your kitchen</h2> <p>Once you've got a handle on what you throw away at home, turn your attention to the millions of pounds of food that gets thrown away by businesses before you even get a crack at it.</p> <h3>Buy ugly</h3> <p>In California and Portland, <a href="https://www.imperfectproduce.com/" target="_blank">Imperfect Produce</a> delivers weekly boxes of vegetables and fruits that are not cosmetically perfect enough to be sold in stores but still fresh and wholesome.</p> <h3>Take-out the trash</h3> <p>Still in beta, the app <a href="https://foodforall.us/" target="_blank">Food for All</a> will allow you to purchase unsold food from restaurants at the end of the day, at discounts as steep as 80 percent. Lucky Bostonians get to try this super frugal service first.</p> <h3>Save a mint</h3> <p>If you work in or own a restaurant, try the app <a href="https://www.mintscraps.com/" target="_blank">MintScraps</a> to track and reduce food waste.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-keep-food-waste-from-spoiling-your-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Keep%2520Food%2520Waste%2520From%2520Spoiling%2520Your%2520Budget.jpg&amp;description=How%20to%20Keep%20Food%20Waste%20From%20Spoiling%20Your%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Keep%20Food%20Waste%20From%20Spoiling%20Your%20Budget.jpg" alt="How to Keep Food Waste From Spoiling Your Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/how-to-keep-food-waste-from-spoiling-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-hot-new-food-trends-the-frugal-way">8 Hot New Food Trends — The Frugal Way</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-smart-shoppers-will-save-at-amazons-whole-foods">How Smart Shoppers Will Save at Amazon&#039;s Whole Foods</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/shop-the-salad-bar-and-other-ways-to-save-big-on-groceries">Shop the Salad Bar and Other Ways to Save Big on Groceries</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-53-grocery-shopping-tricks-thatll-make-your-life-easier">Flashback Friday: 53 Grocery Shopping Tricks That&#039;ll Make Your Life Easier</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-122-no-fuss-dinner-ideas-thatll-save-you-money">Flashback Friday: 122 No-Fuss Dinner Ideas That&#039;ll Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink food shopping food waste green living groceries grocery bill grocery budget saving money shopping tips Spending Money Fri, 22 Sep 2017 08:00:06 +0000 Carrie Kirby 2024819 at http://www.wisebread.com 8 College Perks You Might Be Missing Out On http://www.wisebread.com/8-college-perks-you-might-be-missing-out-on <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-college-perks-you-might-be-missing-out-on" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/i_am_prepared_for_exam_very_well.jpg" alt="I am prepared for exam very well" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>College is expensive. Many students struggle to find the funds to attend college and <a href="http://www.wisebread.com/12-easy-ways-to-avoid-student-loan-debt?ref=internal" target="_blank">avoid massive student debt</a>. And while student debt is an ongoing issue, there are many ways a student ID can provide big savings elsewhere. Savvy college students can utilize free or discounted activities and products to maximize their college experience and minimize their expenses. Here are eight college perks that you might be missing out on.</p> <h2>1. Reduced or free museum admission</h2> <p>Many museums and art galleries offer free or reduced admission to college students. New York University, for example, has a program called <a href="https://www.nyu.edu/life/arts-culture-and-entertainment/free-museum-access.html" target="_blank">Museum Gateway</a> that grants free admission to nearly a dozen museums and art galleries in New York City.</p> <p>Even if the college doesn't have a direct partnership with the museum to provide free admission to students, the museum might still have a student discount. The Museum of Fine Arts Boston, for example, offers free admission with a valid student ID. (See also: <a href="http://www.wisebread.com/20-freebies-for-college-students?ref=seealso" target="_blank">20+ Freebies for College Students</a>)</p> <h2>2. Student discounts on computers</h2> <p>Computers are a vital tool. While students can access computers at local and college libraries, it can be a tad inconvenient. Computer manufacturers have created student discount programs to lower the monetary burden of students who need a computer.</p> <ul> <li> <p><a href="http://hp.force.com/external/hpacademy?AOID=51289" target="_blank">HP Academy</a> offers students 20 percent off HP products.</p> </li> <li> <p><a href="http://www.dell.com/en-us/learn/purchaseprogram/university" target="_blank">Dell University</a> offers students 20 percent off Dell products.</p> </li> <li> <p><a href="https://www.microsoft.com/en-us/store/b/sale" target="_blank">Microsoft</a> offers students up to 10 percent off Microsoft computers.</p> </li> <li> <p><a href="http://www3.lenovo.com/us/en/landingpage/students-and-teachers/" target="_blank">Lenovo</a> offers students 15 percent of Lenovo products.</p> </li> </ul> <p>If you get really lucky, the university might also offer additional savings or a free computer or tablet upon enrollment.</p> <h2>3. Discounted or free software</h2> <p>Software can be essential for a successful college career. Spreadsheets, word processing, presentation programs, and graphics editing programs are expensive. Thankfully, as a student, you are spared the high cost of the programs.</p> <ul> <li> <p>Office 365 is free to all students with a valid student ID. You can either download the programs from your college's website or from <a href="https://www.microsoft.com/en-us/education/products/office/default.aspx" target="_blank">Microsoft</a>.</p> </li> <li> <p><a href="http://www.adobe.com/creativecloud/buy/students.html" target="_blank">Adobe</a> offers students 60 percent off the price of their photography and design apps.</p> </li> </ul> <h2>4. Free access to gyms and rec centers</h2> <p>Most on-campus colleges tend to have a gym and rec center that are free for students to utilize. The perks offered in the gyms are highly dependent on the school. Perks range from workout equipment, one-on-one personal training, online, or on-site workout classes, lap pools, lazy rivers, hot tubs, rock climbing centers, and indoor recreation rooms for various intramural sports. Gym and rec center memberships are expensive, so it's definitely worth taking advantage of this perk.</p> <p>If you're an online student without access to your university's gym, private gyms often offer a student discount you can cash in on.</p> <h2>5. Free entertainment</h2> <p>Colleges often offer free admission to movie screenings, plays, guest speakers, sporting events, and concerts. These college-funded events can be great ways to fill your free time without dipping into your bank account.</p> <h2>6. Free mental health counseling and services</h2> <p>College life can be stressful. Students who are mentally and emotionally healthy have a slightly higher chance of succeeding at school. In order to help students maintain a good mental health, many colleges offer free individual, group, or couples therapy. The sessions are meant to help students deal with issues, manage their personal problems, and develop coping strategies. This is a free service that can, in many cases, save your educational career.</p> <h2>7. Discounted airfare and hotels</h2> <p>Whether it's for summer break, visiting the family, or returning to school, plane tickets and hotels can be horrendously expensive. The good news is that there are travel sites that offer discounted prices to students.</p> <ul> <li> <p><a href="https://www.studentuniverse.com/" target="_blank">Student Universe</a> lets students buy flights and hotels at a discounted rate. A student ID or class schedule will often be required to prove that you are a student.</p> </li> <li> <p><a href="https://www.cheapoair.com/deals/student-travel" target="_blank">CheapOAir</a> has a student travel page that offers discounted rates.</p> </li> <li> <p><a href="http://www.statravel.com/" target="_blank">STA Travel</a> offers an International Student Identity Card that provides discounts on flights and hotels.</p> </li> </ul> <h2>8. Clothing discounts</h2> <p>Students can receive special discounts at dozens of clothing retailers. This is especially true for students who need more formal clothing for internships or their first job after college.</p> <p>Once you have a little money to spend, go shopping for a few work-approved outfits before you graduate. Check out Banana Republic, J. Crew, Ann Taylor, Club Monaco, Sam's Club for student discounts. (See also: <a href="http://www.wisebread.com/15-sites-where-the-right-email-address-can-save-you-money?ref=seealso" target="_blank">15 Sites Where the Right Email Address Can Save You Money</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-college-perks-you-might-be-missing-out-on&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520College%2520Perks%2520You%2520Might%2520Be%2520Missing%2520Out%2520On.jpg&amp;description=8%20College%20Perks%20You%20Might%20Be%20Missing%20Out%20On"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20College%20Perks%20You%20Might%20Be%20Missing%20Out%20On.jpg" alt="8 College Perks You Might Be Missing Out On" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/8-college-perks-you-might-be-missing-out-on">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies">6 Genius Ways to Stock Up on School Supplies</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-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</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-10-best-couponing-apps">The 10 Best Couponing Apps</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-money-saving-hacks-every-college-student-should-try">8 Money-Saving Hacks Every College Student Should Try</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/4-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Shopping college perks college student discounts saving money shopping tips student discounts Wed, 20 Sep 2017 08:30:17 +0000 Samantha Stauf 2023006 at http://www.wisebread.com How Smart Shoppers Will Save at Amazon's Whole Foods http://www.wisebread.com/how-smart-shoppers-will-save-at-amazons-whole-foods <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-smart-shoppers-will-save-at-amazons-whole-foods" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-529131548.jpg" alt="whole foods just got cheaper" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Amazon is looking to repeat its e-commerce success in the grocery vertical. Its recent acquisition of Whole Foods brought sweeping and immediate changes to the notoriously pricey grocery chain by taking a page from Amazon's traditional playbook &mdash; slashing prices. Here are details on the price changes that were implemented, and how you can cash in while shopping.</p> <h2>Look for the signs</h2> <p>All over Whole Foods stores, you can now find tags and large signage that clearly explain the recent price drops that Amazon has implemented. The produce market of Whole Foods, opulent and historically expensive, is one of the hallmarks of the chain. It makes perfect sense that Amazon would begin there. Certain varieties of apples have dropped a full dollar per pound, from $2.99 to $1.99. Avocados, which have been extra pricey this summer due to crop shortages in California and Mexico, have dropped, too, from $2.50 a piece to $1.49. Bananas dropped from $0.79 to $0.49 per pound, and lean ground beef dropped from $10.99 per pound to $6.99.</p> <p>Overall, prices have dropped an average of 43 percent on the store's most popular items. To find the best deals in-store, be on the lookout for these signs and tags.</p> <h2>Lock it up</h2> <p>One of the signature benefits of being an Amazon shopper is a relatively easy return policy on many items. Amazon will start placing Amazon lockers in select Whole Foods locations where you can drop off your packages for easy returns, and also pick up packages that you order if you don't want them shipped to your home. This makes it more convenient for people to shop both brands in one, while having a single location where returns can be managed. (Lockers are ideal for people who aren't home during the day and don't have a doorman to collect their packages. With Amazon Lockers, there is less of a chance of packages being lost or stolen off of your doorstep.)</p> <h2>Shop Whole Foods products from Amazon</h2> <p>Amazon is in the process of adding Whole Foods private label brand items to the website for ordering through Prime Pantry, Prime Fresh, and Prime Now delivery programs. The Whole Foods private label brands include 365 Everyday Value and Whole Foods Market. They have long been touted as the best deals in the store. Now Amazon is elevating them even higher by making them available online.</p> <h2>Become a Prime member</h2> <p>Amazon is crafting big plans to integrate Amazon Prime into the Whole Foods shopping experience to further enrich the Prime program. Jeff Wilke, CEO of Amazon Worldwide Consumer, said in a recent statement that Amazon Prime will become the customer rewards program at Whole Foods and will trigger lower prices and other benefits for Prime members over time. Whole Foods created a pilot customer rewards program of its own in the Philadelphia and Dallas/Fort Worth areas, but it never took off nationwide. Amazon provides an opportunity to change that with a quick solution that already has a large and loyal user base. (See also: <a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use?ref=seealso" target="_blank">7 Amazon Prime Perks You've Forgotten to Use</a>)</p> <p>We're in the early days of Amazon's ownership of Whole Foods. What's clear is that the two brands intend to continue co-inventing ways to improve the shopping experience, provide enhanced value to customers, and compete with innovation in a traditional market.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-smart-shoppers-will-save-at-amazons-whole-foods&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520Smart%2520Shoppers%2520Will%2520Save%2520at%2520Amazons%2520Whole%2520Foods.jpg&amp;description=How%20Smart%20Shoppers%20Will%20Save%20at%20Amazons%20Whole%20Foods"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20Smart%20Shoppers%20Will%20Save%20at%20Amazons%20Whole%20Foods.jpg" alt="How Smart Shoppers Will Save at Amazon's Whole Foods" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/how-smart-shoppers-will-save-at-amazons-whole-foods">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/how-to-shop-for-food-once-a-month-and-save-big">How to Shop for Food Once a Month and Save Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-hot-new-food-trends-the-frugal-way">8 Hot New Food Trends — The Frugal Way</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-ways-having-your-groceries-delivered-can-save-you-money">6 Ways Having Your Groceries Delivered Can Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-checkout-line-tricks-to-finish-shopping-faster">5 Checkout Line Tricks to Finish Shopping Faster</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/shop-the-salad-bar-and-other-ways-to-save-big-on-groceries">Shop the Salad Bar and Other Ways to Save Big on Groceries</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping Amazon food shopping grocery shopping saving money shopping tips smart shopping Whole Foods Mon, 11 Sep 2017 09:00:06 +0000 Christa Avampato 2018088 at http://www.wisebread.com Now or Later: How to Decide the Right Time to Buy Almost Anything http://www.wisebread.com/now-or-later-how-to-decide-the-right-time-to-buy-almost-anything <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/now-or-later-how-to-decide-the-right-time-to-buy-almost-anything" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-167399345.jpg" alt="when to buy almost everything" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are some things that make sense to buy right away, because spending a little money now can save you a lot of expense and hassle later. Other purchases are best deferred as long as possible, since there is little or no advantage to buying the item before you really need it. (See also: <a href="http://www.wisebread.com/how-to-never-succumb-to-impulse-spending-again?ref=seealso" target="_blank">How to Never Succumb to Impulse Spending Again</a>)</p> <p>Here's a handy guide to help you determine what you should buy now versus later.</p> <h2>Buy it now</h2> <p>You shouldn't wait to buy these items.</p> <h3>Tires</h3> <p>Check your tire tread depth by inserting a penny into the groove &mdash; if you can see all of Lincoln's head, your tires are considered bald. Replace worn out tires now instead of waiting for a flat, or even worse, an accident.</p> <h3>Car Battery</h3> <p>If your car shows signs of a weak battery, such as difficulty cranking the engine or dim lights, it is time to have the battery checked at the shop. Battery checks are often free, and allow you to replace your battery at a convenient time while you can still shop around for a good deal instead of when you are stranded somewhere with a car that won't start. (See also: <a href="http://www.wisebread.com/bookmark-this-save-money-with-an-easy-to-follow-car-maintenance-checklist?ref=seealso" target="_blank">Bookmark This: Save Money With an Easy to Follow Car Maintenance Checklist</a>)</p> <h3>Gas</h3> <p>It doesn't really save you money to run on fumes since you will end up buying the gas anyway. You might as well reduce your risk of running out of gas in traffic by filling up before the needle falls well below the &quot;E.&quot;</p> <h3>Oil change</h3> <p>You might feel like you should wait as long as possible between oil changes to save money, but the extra cost of changing the oil a little early is minimal. By staying ahead of schedule for oil changes, you avoid the risk that you will forget or get busy and push your motor oil beyond its life, ultimately damaging your engine.</p> <h3>Roof repair/replacement</h3> <p>Address roofing issues before leaks form by promptly repairing roof damage. Waiting until your roof starts leaking before taking action doesn't save money, since you'll have to repair or replace the roof anyway, plus the added expense to repair water damage. (See also: <a href="http://www.wisebread.com/10-simple-household-repairs-every-frugal-person-should-master?ref=seealso" target="_blank">10 Simple Household Repairs Every Frugal Person Should Master</a>)</p> <h3>Investments</h3> <p>Since investments tend to appreciate in value, you are better off buying them now for two reasons:</p> <ul> <li>Buying the investment will cost more if you wait.<br /> &nbsp;</li> <li>If you invest now, you will start gaining appreciation sooner.</li> </ul> <h3>Out-of-season clothing or gear</h3> <p>Clothing or gear that is out of season will often end up on the clearance racks, and these sales can be a cheap way to pick up things you know you'll need next year. Winter coats, swimwear, and sporting goods are some of the best clearance sale bargains.</p> <h3>Energy efficiency upgrades</h3> <p>Adding insulation, replacing leaky windows, or upgrading an inefficient heating, ventilation, and air conditioning (HVAC) system will save you money on utility bills every month. The sooner you make energy efficiency upgrades, the more money you'll save.</p> <h2>Buy it later</h2> <p>If you're trying to save money, these items can wait.</p> <h3>Tech gadgets</h3> <p>The longer you wait to upgrade tech products, the more capability you'll get for less money. Wait as long as you can before buying a new TV, smartphone, tablet, or computer.</p> <h3>New car (or newer used car)</h3> <p>Driving a car for as long as possible is one of the best things you can do to save money. Keep your current car in good working order to help suppress your desire to get a different car before you really need one. (See also: <a href="http://www.wisebread.com/could-you-put-away-a-million-dollars-by-driving-a-used-car?ref=seealso" target="_blank">Could You Put Away a Million Dollars by Driving a Used Car?</a>)</p> <h3>In-season clothing</h3> <p>Styles can change, or your size could change. If your current clothes fit and don't have holes, there is no real advantage to buying brand new clothes until the situation changes.</p> <h3>A bigger house</h3> <p>Unless there's a disruptive ghost in your attic or a consistent flood in your basement, you should wait to upgrade to a bigger house. Delay ratcheting up your mortgage, property tax, utilities, and insurance payments to save money until you really need more space or to live in a different location.</p> <h3>Furniture</h3> <p>Try to get one more year of life from a piece of furniture before buying something new. You can repaint or reupholster it to give it a new look for much less than you'd spend on a brand new item. After the year of waiting is up, try to do the same thing again.</p> <h3>Aged or unsightly items</h3> <p>There are a lot of possessions that get &quot;uglied out&quot; before they get worn out to the point where they no longer function. For example, my garbage can is faded, has a cracked lid, and has some paint on it. But even though it is ugly, it still works perfectly well as a garbage can and there is no advantage to rushing to replace it. Things that tend to get ugly before they wear out include luggage, carpet, furniture, appliances, and tools. Keep those around until they break or you can afford to replace them.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fnow-or-later-how-to-decide-the-right-time-to-buy-almost-anything&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FNow%2520or%2520Later-%2520How%2520to%2520Decide%2520the%2520Right%2520Time%2520to%2520Buy%2520Almost%2520Anything.jpg&amp;description=Now%20or%20Later%3A%20How%20to%20Decide%20the%20Right%20Time%20to%20Buy%20Almost%20Anything"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Now%20or%20Later-%20How%20to%20Decide%20the%20Right%20Time%20to%20Buy%20Almost%20Anything.jpg" alt="Now or Later: How to Decide the Right Time to Buy Almost Anything" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/now-or-later-how-to-decide-the-right-time-to-buy-almost-anything">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-its-better-to-buy-at-the-last-minute">6 Things It&#039;s Better to Buy at the Last Minute</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</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/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-reasons-you-should-start-your-holiday-shopping-now">10 Reasons You Should Start Your Holiday Shopping Now</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/heres-how-too-many-decisions-costs-you-money">Here&#039;s How Too Many Decisions Costs You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping buy it later Buy It Now saving money shopping guide shopping tips Spending Money when to shop Wed, 06 Sep 2017 08:00:07 +0000 Dr Penny Pincher 2016056 at http://www.wisebread.com Simplify Your Life With These 27 Monthly Subscription Services http://www.wisebread.com/simplify-your-life-with-these-27-monthly-subscription-services <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/simplify-your-life-with-these-27-monthly-subscription-services" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/yay_i_have_been_counting_the_hours.jpg" alt="Yay, I&#039;ve been counting the hours until my subscription arrives." title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As TV on-demand services have flourished, all sorts of companies are beginning to offer subscription services to meet a variety of specialized needs. Do you spend way too much on games, books, or music? Do you need a way to get around town, but can't afford a bike? Wardrobe a tad drab? There's a service for each of these.</p> <p>Before we delve into the types of services you might want to check out, it's important to know the difference between subscription boxes and subscription rental services.</p> <p><em>Subscription boxes</em> are a service where you can sign up to pay a flat fee to purchase a variety of items. The items are bulk ordered by the company for cheaper than you can purchase them individually. The boxes are usually themed and the individual items in the boxes are often unknown until the box arrives. (See also: <a href="http://www.wisebread.com/the-10-best-monthly-subscription-box-services?ref=seealso" target="_blank">The 10 Best Monthly Subscription Box Services</a>)</p> <p><em>Subscription rental services </em>are services where the buyer pays a flat fee for access to the service. The main difference between a box and a rental is that the subscription rental doesn't give the individual ownership of any items offered by the plan.</p> <p>Below are 27 types of subscription services you might want to check out.</p> <h2>Games</h2> <p>Gaming, whether it's video games or board games, can be an expensive hobby. Board games can run anywhere from $10 to $100 each. New video games are typically around $60. Game enthusiasts might be able to save money by signing up for a monthly subscription.</p> <h3>1. &amp; 2. PlayStation and Xbox</h3> <p>Both <a href="https://store.playstation.com/#!/en-us/subscriptions/cid=STORE-MSF77008-PS3AOSUBSCRIPTIO" target="_blank">PlayStation</a> and <a href="http://www.xbox.com/en-US/games/xbox-game-pass" target="_blank">Xbox</a> have monthly rental subscription services that grant players access to free games on their consoles for $9.99 each month.</p> <h3>3. OnePlay</h3> <p><a href="http://www.oneplay.com/en/howitworks" target="_blank">OnePlay</a> is a monthly rental subscription service that grants access to 2000+ PC video games for $9.99.</p> <h3>4. GameFly</h3> <p><a href="http://m.gamefly.com/how-it-works" target="_blank">GameFly</a> is a monthly rental subscription service that allows gamers to play one or two games at a time for $15.95 or $22.95, respectively. New games are delivered once the old game or games are returned.</p> <h3>5. &amp; 6. Board Game Bento and Hasbro Gaming Crate</h3> <p><a href="https://boardgamebento.com/" target="_blank">Board Game Bento</a> and <a href="https://www.hasbrogamingcrate.com/webapp/wcs/stores/servlet/homepage?storeId=11751&amp;krypto=v%2FGvwREReXYW3LBBj8K%2BIpLCud0%2F88%2FL%2Be7Dsq5WIZYv934i2e9AjFW2w%2B9F3FCk0VQQI64RrHt%2FhOJn0nAxjvHONnpcz4DV2ehRMOLgCRemTZwhZ0GAi16sy%2FHaUv3CgMXz7lRql9Fz%2FNr7OfrNhHTLS3vn0%2BMiLBFVYiDA4Ss%3D&amp;ddkey=https%3Ahomepage" target="_blank">Hasbro Gaming Crate</a> are subscription boxes that run $50 per month. Board Game Bento, in particular, promises $80 of value in their $50 subscription box. The boxes can be a stellar way to add a variety of games to your collection for a slightly lower price.</p> <h3>7. Board Game eXchange</h3> <p><a href="https://boardgameexchange.com/" target="_blank">Board Game eXchange</a> is a rental subscription service that allows individuals to receive a shipment of rental games every two months. Depending on the subscription, the subscriber will receive two to 12 games in the package.</p> <h3>8. NetMeeples</h3> <p><a href="https://www.netmeeples.com/" target="_blank">NetMeeples</a> is another rental subscription service that ships rented games to subscribers each month. Subscriptions tend to run anywhere from $10 to $50, depending on how many games you want each month.</p> <h2>Books</h2> <p>Reading and listening to books can be a very expensive hobby for avid bookworms. When <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks" target="_blank">free books</a> won't do, individuals can save money by signing up for a book subscription service.</p> <h3>9. &amp; 10. comiXology and Marvel Unlimited</h3> <p><a href="https://www.comixology.com/unlimited" target="_blank">comiXology</a> and <a href="https://marvel.com/comics/unlimited" target="_blank">Marvel Unlimited</a> are comic book subscription services that allow readers to read hundreds of free comics each month for $5.99 and $9.99, respectively.</p> <h3>11. &amp; 12. Amazon's Kindle Unlimited and Scribd</h3> <p><a href="https://www.amazon.com/Browse-Kindle-Unlimited-Books/b?node=9069934011" target="_blank">Amazon's Kindle Unlimited</a> and <a href="https://www.scribd.com/" target="_blank">Scribd</a> are subscription services that grant access to a library of books and audiobooks for avid readers to enjoy. The books in the services can be a tad limited. This is more of a service that grants access to dozens of slightly less popular titles and older classics with a few gems thrown in occasionally.</p> <h3>13. Other book boxes</h3> <p>You can also find dozens of paper and e-book subscription boxes online. A few paper book subscription boxes to check out include: <a href="https://www.bookofthemonth.com/" target="_blank">Book of the Month</a>, <a href="https://www.owlcrate.com/" target="_blank">OwlCrate</a>, <a href="https://www.powells.com/indiespensable" target="_blank">Powell's Indiespensible</a>.</p> <h2>Movies</h2> <p>Do you desire to go to the movies, but just can't stomach the high price of movie theater tickets? There is a movie pass subscription service that could save avid moviegoers a lot of money.</p> <h3>14. MoviePass</h3> <p><a href="https://www.moviepass.com/" target="_blank">MoviePass</a> allows individuals to pay one flat monthly fee of $9.95 to see a movie at the theater every twenty-four hours. The price of the service differs by location based on the regional cost of tickets.</p> <p>It can lead to a far cheaper movie going experience, but there are a few downsides that might limit the appeal of this service.</p> <ul> <li> <p>You can only see each movie one time.</p> </li> <li> <p>There probably won't be 28 to 30 movies per month that you're dying to see.</p> </li> <li> <p>The service doesn't cover the cost of 3D, Imax, or VIP 21 tickets.</p> </li> </ul> <h2>Transportation</h2> <p>Car or bike ownership can be an expensive investment. Alternate transportation (bus, train, or subway) is not always convenient.</p> <p>Transportation subscription services have cropped up in big cities and have slowly been expanding into less populated regions.</p> <h3>15. Canvas</h3> <p><a href="https://drivecanvas.com/" target="_blank">Canvas</a> is a month-to-month car subscription service available in the San Francisco Bay Area. The service allows individuals to choose a car, a mileage package, and when the vehicle will be delivered to them.</p> <h3>16. FlexDrive</h3> <p><a href="https://flexdrive.com/" target="_blank">FlexDrive</a> is a car subscription service located in Atlanta, Austin, and New Jersey. The service allows individuals to rent a car on a weekly or monthly basis.</p> <h3>17. YOYO</h3> <p><a href="http://joinyoyo.com/" target="_blank">YOYO</a> is another car subscription service located in the San Francisco Bay Area. This particular service has a yearly membership fee and regular payment plans that are based on the type of car selected.</p> <h3>18. CitiBike</h3> <p><a href="https://www.citibikenyc.com/" target="_blank">CitiBike</a> is a New York City-based bike sharing service that allows individuals to sign up for a subscription plan for one-day, three-day, or yearlong service plans. The plans allow members to take out bikes for an unlimited number of 30 or 45-minute rides.</p> <h3>19. Unlimited Biking</h3> <p><a href="https://www.unlimitedbiking.com/" target="_blank">Unlimited Biking</a> is another NYC-based bike subscription service. The service offers plans that allow the rider to take the bike out for one to four hours per day.</p> <h2>Clothing</h2> <p>Dressing fashionably can be expensive. There are dozens of subscription boxes and rental services to help individuals who would like to cultivate a diverse, trendy wardrobe for a fraction of the cost. You'll own every item you decide to keep from these boxes. A few examples of boxes to get you started are <a href="https://www.fivefourclub.com/" target="_blank">Five Four Club</a>, <a href="https://www.stitchfix.com/" target="_blank">Stitch Fix</a>, and <a href="https://www.letote.com/" target="_blank">Le Tote</a>.</p> <p>If you want the ability to really diversify your wardrobe, I'd recommend looking into a clothing rental subscription service. How does it work? The service sends the subscriber a few pieces of clothing and accessories. Once the subscriber is tired of them, they return them, and new pieces are delivered.</p> <h3>20. Parcel22</h3> <p><a href="https://www.parcel22.com/" target="_blank">Parcel22</a>'s subscription allows individuals to 'rent' three garments and two accessories at a time for $49.99 per month.</p> <h3>21. Rent the Runway</h3> <p><a href="https://www.renttherunway.com/" target="_blank">Rent the Runway</a>'s subscription allows individuals to rent three designer garments at a time.</p> <h2>Food</h2> <p>Eating healthy is a time-consuming process. Finding recipes, buying the food, and preparing the meals, can take hours that a lot of us just can't spare. Grocery delivery services and meal prep boxes are one solution to help busy professionals and families eat well without dedicating an exorbitant amount of time to cooking and shopping.</p> <h3>22. AmazonFresh</h3> <p>With this subscription, you'll get free deliveries on <a href="http://fresh.amazon.com" target="_blank">AmazonFresh</a> orders over $50. (Amazon Prime membership is included with this subscription as well.) AmazonFresh offers prices lower than most delivery services and has an unrivaled selection of products. They can even deliver items from local shops and restaurants. (See also: <a href="http://www.wisebread.com/21-fresh-food-delivery-services-that-can-save-you-big?ref=seealso" target="_blank">21 Fresh Food Delivery Services That Can Save You Big</a>)</p> <h3>23. Farm Fresh to You</h3> <p>Get fresh, seasonal and organic products delivered to your doorstep. <a href="http://fxo.co/4XW4" target="_blank">Farm Fresh to You</a> works with local farms and bring you the best of the season's produce. You can customize your box and even pick and choose from specific items if you'd prefer not to be surprised (although that's the most fun). (See also: <a href="http://www.wisebread.com/6-ways-having-your-groceries-delivered-can-save-you-money?ref=seealso" target="_blank">6 Ways Having Your Groceries Delivered Can Save You Money</a>)</p> <h3>24. Crate Chef</h3> <p><a href="https://www.cratechef.com/" target="_blank">Crate Chef</a> is a monthly box of specialized ingredients, cooking tools, and recipes. This service sends out one themed box every month and allows subscribers to skip boxes that they have no interest in.</p> <h3>25. Freshly</h3> <p><a href="https://www.freshly.com/plans" target="_blank">Freshly</a> is a cooked meal subscription that delivers four to 12 fresh meals to your door every week. The service allows individuals to choose between 30 different dishes per week. Vegetarian and vegan options are available.</p> <h3>26. &amp; 27. Hello Fresh and Plated</h3> <p><a href="https://www.hellofresh.com/tasty/" target="_blank">Hello Fresh</a> and <a href="https://www.plated.com/how-it-works" target="_blank">Plated</a> allow individuals to choose meals, receive the ingredients, and recipes in insulated boxes each week. Both services come with easy to follow cooking instructions. Different plans are available based on the number of servings per delivery and the number of recipes delivered per week. (See also: <a href="http://www.wisebread.com/are-meal-prep-subscription-boxes-worth-it?ref=seealso" target="_blank">Are Meal Prep Subscription Boxes Worth It?</a>)</p> <p>Life can be expensive. Dozens of little purchases can easily snowball into a high monthly budget. Netflix-style subscription and rental services can, if chosen carefully, slash your monthly expenses.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Simplify%20Your%20Life%20With%20These%2027%20Monthly%20Subscription%20Services.jpg" alt="Simplify Your Life With These 27 Monthly Subscription Services" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/simplify-your-life-with-these-27-monthly-subscription-services">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-your-money-back-when-you-re-denied-a-refund">How to Get Your Money Back When You’re Denied a Refund</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping monthly box monthly subscriptions netflix shopping tips simplify your life subscriptions Wed, 30 Aug 2017 08:30:10 +0000 Samantha Stauf 2011954 at http://www.wisebread.com How to Buy a New Computer Without Breaking Your Budget http://www.wisebread.com/how-to-buy-a-new-computer-without-breaking-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-buy-a-new-computer-without-breaking-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_computer_468739184.jpg" alt="Woman buying a new computer without breaking her budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I needed to replace my nine-year-old laptop, but I had trouble finding the right deal. New high-end systems can be very expensive, although you can get a powerful computer and customize it the way you want. New budget models are less expensive, but often have flimsier construction and may lack desirable features. Used computers are even less expensive, but don&rsquo;t usually come with a warranty and may have damage that you won&rsquo;t discover until after you buy.</p> <p>I kept looking into options to purchase a computer and found the right option for me &mdash; a refurbished laptop. If you are looking to get a computer without breaking your budget, check out these purchasing options and choose the one that's best for you.</p> <h2>Option 1: New computer, high-end model</h2> <p>If you need a lot of computing horsepower, you'll want to look at high-end models. You can get the latest processors and abundant memory. You can also customize your options such as case color, processor type, RAM size, and accessories. You can have it all: a fast new computer with all the features you want, and a warranty. But it'll come at a hefty price.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Look for open box items at the store to save around 5 to 10 percent.<br /> &nbsp;</li> <li>Shop back-to-school and winter holiday sales.<br /> &nbsp;</li> <li>Check to see if your employer has a purchase discount program with certain computer manufacturers.<br /> &nbsp;</li> <li>Follow emerging trends to avoid buying before a significant new feature or operating system is rolled out.</li> </ul> <h2>Option 2: New computer, budget model</h2> <p>You may experience sticker shock after looking at prices for high-end models, but you can move down to the budget models without sacrificing too much. These are new computers, but may include designs and technology that are a few years old. Budget models may have slightly flimsier construction using less expensive materials. Components such as keyboards, screens, speakers, and input devices may be a step down in quality from high-end systems.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Check reviews, and if possible, check out the computer in person. One thing that scared me away from a budget laptop I was considering is that many reviewers said the keyboard was terrible.<br /> &nbsp;</li> <li>Look beyond the specs. The basic specs cover processor, memory, storage size, etc. but don&rsquo;t cover quality and usability issues.<br /> &nbsp;</li> <li>Consider adding RAM or upgrading to a solid state drive to boost performance of a budget computer.</li> </ul> <p>A new budget computer can cost 30 to 50 percent less than a new high-end model, depending on features.</p> <h2>Option 3: Refurbished computer</h2> <p>There are many definitions for what &ldquo;refurbished&rdquo; means, but the general idea is that refurbished computers have been returned to the manufacturer and are then checked out and restored to their original specifications. This may include replacing or repairing damaged or faulty parts and reinstalling the operating system. Some refurbished items have never been used and are essentially new. Others may have some use, but are then restored to new condition.</p> <p>With a refurbished computer, I was able to find a system that had all of the features I wanted at a price I could afford.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Make sure the computer being sold as &ldquo;refurbished&rdquo; is actually refurbished and not just a used computer.<br /> &nbsp;</li> <li>Check the warranty period and conditions to make sure you can return the refurbished item if you are not satisfied.<br /> &nbsp;</li> <li>Shop around &mdash; deals vary widely from one seller to the next and over time as new refurbished inventory comes in.</li> </ul> <p>I paid nearly 50 percent less for a refurbished computer than for a similar new budget model. The typical savings for refurbished computers is up to 30 percent off.</p> <h2>Option 4: Used computer</h2> <p>If you are looking to minimize your spending on a computer, getting a used computer may be worth the hassle. You can find used computers for sale on Craigslist and eBay. The main concerns with buying a used computer are that they do not typically include a warranty, and you may be getting a computer that does not have original parts due to user upgrades and repairs.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Consider weight and size in addition to processing power, as older computers tend to be bulkier and heavier than newer models with the same processing capability.<br /> &nbsp;</li> <li>Watch out for used laptops with worn out batteries that have almost no battery capacity left.<br /> &nbsp;</li> <li>Try to check out the used computer in person to evaluate its condition for yourself before buying.<br /> &nbsp;</li> <li>If buying online, make sure the seller has a high rating.</li> </ul> <p>A used computer can cost 30 to 50 percent less than a new budget model, depending on features. (See also: <a href="http://www.wisebread.com/6-back-to-school-items-you-can-buy-used?ref=seealso" target="_blank">6 Back-to-School Items You Can Buy Used</a>)</p> <h2>Option 5: Tuneup your current computer</h2> <p>If the problem you are trying to solve is that your computer is slow, you may be able to resolve this by tuning up or upgrading your current computer. I kept my old computer running for years by running tuneup software to scan for malware and optimize its performance. There are inexpensive upgrades you can install yourself, such as adding RAM or a bigger hard drive. And sometimes a clean install of the operating system can bring an older computer back to life. But don&rsquo;t pour too much money into upgrading an old computer. The best you can hope for is to extend its life by a few years. Tuning-up your current computer can cost 80 percent less than buying a new budget model, depending on features.</p> <p>No matter what computer you choose, it will be likely be outdated within a few years due to advances in technology. Keeping this in mind, look at what you need from a computer over the next few years and get the best deal you can find on one that has everything you need.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-buy-a-new-computer-without-breaking-your-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Buy%2520a%2520New%2520Computer%2520Without%2520Breaking%2520Your%2520Budget.jpg&amp;description=How%20to%20Buy%20a%20New%20Computer%20Without%20Breaking%20Your%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Buy%20a%20New%20Computer%20Without%20Breaking%20Your%20Budget.jpg" alt="How to Buy a New Computer Without Breaking Your Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/how-to-buy-a-new-computer-without-breaking-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-questions-to-ask-before-buying-refurbished-appliances">4 Questions to Ask Before Buying Refurbished Appliances</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School 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-back-to-school-items-you-can-buy-used">6 Back-to-School Items You Can Buy Used</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-misleading-gadget-marketing-gimmicks">8 Misleading Gadget Marketing Gimmicks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology back-to-school buy used computer shopping Desktops laptops new computer refurbished computers shopping tips tech gadgets Mon, 14 Aug 2017 08:30:11 +0000 Dr Penny Pincher 2001656 at http://www.wisebread.com Flashback Friday: 43 Genius Ways to Save on Back-to-School Shopping http://www.wisebread.com/flashback-friday-43-genius-ways-to-save-on-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-43-genius-ways-to-save-on-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_school_backpack_578276796.jpg" alt="Parent saving big on back-to-school for child" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's that time of year again! Families are filling up their carts with markers, lunchboxes, and new clothes for the coming school year. But all those new school supplies can cost a pretty penny. Luckily, we've found plenty of brilliant ways to save big bucks on your back-to-school shopping trip.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/school_supplies_153500715.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies?ref=fbf" target="_blank">6 Genius Ways to Stock Up on School Supplies</a> &mdash; Aside from clothing and textbooks, kids mostly need the same items each year. And if you buy these items in bulk and split the cost with another family, for instance, you won't need to pay a premium for the small packs. Also? Never forget that dollar stores are your friend.</p> <p><a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=fbf" target="_blank">The Best Credit Cards for Back to School Shopping</a> &mdash; Who doesn't like getting paid to shop? Use any of these credit cards for back-to-school shopping and you'll reap all kinds of rewards, including cash.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/family-shopping-156612479s-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/12-back-to-school-shopping-tips-for-the-busy-parent?ref=fbf" target="_blank">12 Back-to-School Shopping Tips for the Busy Parent</a> &mdash; Whether you're a working parent or a stay-at-home parent, your life is chaotic. And because you absolutely do not need more stress on your plate, here are some tips to save on back-to-school shopping during your hectic days.</p> <p><a href="http://www.wisebread.com/8-ways-everybody-saves-during-back-to-school?ref=fbf" target="_blank">8 Ways Everybody Saves During Back-to-School</a> &mdash; Kids and parents aren't the only ones who save money during this wonderful time of year. Everyone needs new pens, clothes, and laptops every once in awhile. And this is the time to buy.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/family_in_the_supermarket.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping?ref=fbf" target="_blank">4 Effortless Ways to Save on Back-to-School Shopping</a> &mdash; The most satisfying way to save money is when you don't even have to try, right? Using the right browser plugins while you online shop, cashing in credit card rewards for gift cards, and planning ahead can make back-to-school shopping a budget-friendly breeze.</p> <p><a href="http://www.wisebread.com/the-8-best-ways-to-save-on-back-to-school-supplies-right-now?ref=fbf" target="_blank">The 8 Best Ways to Save on Back-to-School Supplies Right NOW</a> &mdash; The longer you wait to get this shopping done, the more items will be sold out. And there's a chance that you could miss out on early bird sales. Scour the web and your favorite stores for the supplies you need, so you can it all before other shoppers do.</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-43-genius-ways-to-save-on-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies">6 Genius Ways to Stock Up on School Supplies</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-47-best-back-to-school-shopping-hacks-ever">Flashback Friday: 47 Best Back-to-School Shopping Hacks Ever</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-44-ways-to-effectively-resist-impulse-buys">Flashback Friday: 44 Ways to Effectively Resist Impulse Buys</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-53-grocery-shopping-tricks-thatll-make-your-life-easier">Flashback Friday: 53 Grocery Shopping Tricks That&#039;ll Make Your Life Easier</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/4-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school back-to-school shopping fbf flashback friday school supplies shopping budget shopping tips Fri, 04 Aug 2017 08:30:05 +0000 Chrissa Hardy 1996582 at http://www.wisebread.com 6 Genius Ways to Stock Up on School Supplies http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-genius-ways-to-stock-up-on-school-supplies" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-153500715.jpg" alt="Saving on school supplies" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>The new school year is just around the corner, which means it's also time to start shopping for school supplies. When you're on a budget, coming up with the money to pay for binders, notebooks, and backpacks can be difficult. And growing supply requirements can put a real strain on families. According to the National Retail Federation, the average family with children in grades K-12&nbsp;<a href="https://nrf.com/media/press-releases/back-school-and-college-spending-reach-758-billion" target="_blank">plans to spend $673.57 on school supplies</a>, clothing, and shoes for the new school year.</p> <p>The good news is there are ways you can reduce your spending, while also getting everything you need. Here are six ways you can save on school supplies. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=seealso" target="_blank">Best Credit Cards to Use for Back to School Savings</a>)</p> <h2>1. Shop your home</h2> <p>You likely have supplies stashed around your home you've forgotten about. Shopping your own home first can prevent you from buying unnecessary supplies.</p> <p>Set up a large bin or designate a corner for school supplies. Work with the rest of your family to check drawers, closets, and under beds for pens, rulers, or backpacks. Pile everything into the designated section. Then go through your children's classroom requirements and check off what you already own. (See also: <a href="http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping?ref=seealso" target="_blank">4 Effortless Ways to Save on Back-to-School Shopping</a>)</p> <h2>2. Work with your child to set a budget</h2> <p>Kids often love the idea of new things, whether it's clothes or a new lunch box. But replacing everything might not be possible within your budget. Instead, sit down with your child and have them <a href="http://www.wisebread.com/how-to-help-your-kid-build-their-first-budget?ref=internal" target="_blank">create their own budget</a>. Tell them how much they have to spend and explain that when that amount is gone, they cannot buy anymore. It can be a helpful way to rein in spending. For example, if your children love clothes, you can remind them of the budget when they want the sparkly purple notebook that is three times the price of a plain one. A budget can help them decide where they want to splurge, and where they are willing to cut back.</p> <p>If the budget has wiggle room, it can also be an opportunity to teach your child about work and pay. Perhaps you can set up a list of chores and payments for each one. As they complete chores, you add some extra money to their school budget.</p> <h2>3. Split costs with another family</h2> <p>Buying in bulk can help you save a great deal on supplies, but finding a place to store the extra materials can be tricky. Instead, try connecting with another family with a child in your kid's class. If you don't know anyone, many schools have class-specific Facebook groups where you can connect with other parents. You can buy supplies like paper, pens, markers, and crayons and then split the cost with them. Everybody wins. (See also: <a href="http://www.wisebread.com/6-back-to-school-shopping-hacks-for-big-savings?ref=seealso" target="_blank">6 Back-to-School Shopping Hacks for Big Savings</a>)</p> <h2>4. Take advantage of dollar stores</h2> <p>Dollar stores can be a stellar budget saver when money is tight. You can purchase everything from notebooks to protractors for a dollar (or less). Depending on the store, there may be special deals as well from limited shipments, such as brand-name markers and crayons. You can start your back-to-school shopping at a dollar store, and then shop at other retailers for the rest of the supplies.</p> <h2>5. Use coupons</h2> <p>Coupons can reduce your expenses, and with the internet, it's easier than ever to find relevant promotions. Use sites like <a href="http://www.retailmenot.com" target="_blank">RetailMeNot</a> or <a href="http://www.couponsherpa.com" target="_blank">CouponSherpa</a> to find discounts at stores like Staples, Target, or Kohl's. Those sites collect all coupons across the web, so you can find the ones you need and use them on the spot.</p> <p>And by installing browser extensions like <a href="https://www.joinhoney.com/" target="_blank">Honey</a>, you can shop leisurely online while the extension finds applicable coupon codes for you. (See also: <a href="http://www.wisebread.com/these-apps-and-extensions-find-online-deals-for-you-automatically?ref=seealso" target="_blank">These Apps and Extensions Find Online Deals for You &mdash; Automatically</a>)</p> <h2>6. Shop with discounted gift cards</h2> <p>Shopping with discounted gift cards can be a smart way to save a significant amount of money. People who received cards as a gift, or received store credit for a return might decide that they don't have any use for it. Rather than let it sit in a drawer, they can sell it to sites like <a href="http://www.giftcardgranny.com" target="_blank">Gift Card Granny</a>, <a href="http://www.raise.com" target="_blank">Raise</a> and <a href="http://www.giftcardzen.com" target="_blank">Gift Card Zen</a>, who then offer these gift cards at a discount.</p> <p>Depending on the retailer and the amount on the card, the savings can be huge. For example, if your family needs new clothes, you could score a $500 gift card for $440, and that extra $60 could go a long way. When you're on a limited budget, discounted gift cards can help stretch your money to the max.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-genius-ways-to-stock-up-on-school-supplies&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Genius%2520Ways%2520to%2520Stock%2520Up%2520on%2520School%2520Supplies.jpg&amp;description=6%20Genius%20Ways%20to%20Stock%20Up%20on%20School%20Supplies"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Genius%20Ways%20to%20Stock%20Up%20on%20School%20Supplies.jpg" alt="6 Genius Ways to Stock Up on School Supplies" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-ways-to-save-on-back-to-school-supplies-right-now">The 8 Best Ways to Save on Back-to-School Supplies 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/flashback-friday-43-genius-ways-to-save-on-back-to-school-shopping">Flashback Friday: 43 Genius Ways to Save on Back-to-School Shopping</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-college-perks-you-might-be-missing-out-on">8 College Perks You Might Be Missing Out On</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-back-to-school-items-you-can-buy-used">6 Back-to-School Items You Can Buy Used</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/4-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Shopping back to school back-to-school shopping kids saving money school shopping school supplies school year shopping tips Thu, 27 Jul 2017 08:30:08 +0000 Kat Tretina 1990978 at http://www.wisebread.com 4 Effortless Ways to Save on Back-to-School Shopping http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-effortless-ways-to-save-on-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_in_the_supermarket.jpg" alt="Family in the supermarket" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The summer flies. With all of our vacation plans and summer camps for the kids, we will be prepping for back-to-school shopping again before we know it. If just the thought of that makes you tired, here are some very easy things you can do now to save money, time, and effort on buying new clothes and school supplies for the kiddos. (See also: <a href="http://www.wisebread.com/save-hundreds-on-back-to-school-shopping-with-these-credit-card-tricks?ref=seealso" target="_blank">Save Hundreds on Back to School Shopping with These Credit Card Tricks</a>)</p> <h2>Get your list together now</h2> <p>The worst thing to do is to go shopping without a list, or while you're stressed. It leads to overspending and impulse buying. This goes for back-to-school shopping as much as it goes for grocery shopping.</p> <p>Take a little time this summer to dig through the closets. What needs to be donated? What can be fixed up with a little mending? Take a look at what remains, and make your list from there. This way you can keep an eye out during the remaining summer months for any deals, and pace your spending without feeling panicked. (See also: <a href="http://www.wisebread.com/6-back-to-school-shopping-hacks-for-big-savings?ref=seealso" target="_blank">6 Back-to-School Shopping Hacks for Big Savings</a>)</p> <h2>Get Honey</h2> <p><a href="https://www.joinhoney.com/" target="_blank">Honey</a> is a browser extension that compiles discount codes and coupons while you're shopping online that apply directly to the items you're buying with one simple click. It's easy to use, free, and a snap to install. (See also: <a href="http://www.wisebread.com/these-apps-and-extensions-find-online-deals-for-you-automatically?ref=seealso" target="_blank">These Apps and Extensions Find Online Deals for You &mdash; Automatically</a>)</p> <h2>Keep tabs on Amazon with Keepa</h2> <p>If you're a loyal Amazon shopper, <a href="https://keepa.com/#!" target="_blank">Keepa</a> is your shopping buddy. This browser extension easily helps you track the prices of items on Amazon and provides an opportunity to set up alerts and notifications for price drops on items that interest you. By setting up Keepa now, you'll be several steps ahead when back-to-school shopping arrives. You'll also be confident that you're getting the best prices.</p> <h2>Cash in on your credit card rewards</h2> <p>Credit card companies love when you use your points to buy gift cards. They get them at a discounted rate from retailers because they buy in bulk, and they pass on a portion of that savings to you. This means you pay below face value for the gift cards when you use your credit card points to buy them. Sometimes that savings is very significant &mdash; as much as a 50 percent discount off the face value.</p> <p>If there are specific stores where you know you'll do your back-to-school shopping, get their gift cards through your credit card rewards program to get the best deal. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-back-to-school-shopping?ref=seealso" target="_blank">The Best Credit Cards for Back to School Shopping</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-effortless-ways-to-save-on-back-to-school-shopping&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Effortless%2520Ways%2520to%2520Save%2520on%2520Back-to-School%2520Shopping.jpg&amp;description=4%20Effortless%20Ways%20to%20Save%20on%20Back-to-School%20Shopping"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Effortless%20Ways%20to%20Save%20on%20Back-to-School%20Shopping.jpg" alt="4 Effortless Ways to Save on Back-to-School Shopping" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/4-effortless-ways-to-save-on-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-ways-to-save-on-back-to-school-supplies-right-now">The 8 Best Ways to Save on Back-to-School Supplies 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/6-smart-ways-parents-can-save-on-back-to-school-clothes">6 Smart Ways Parents Can Save on Back-to-School Clothes</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-build-a-back-to-school-capsule-wardrobe-thats-trendy-and-affordable">How to Build a Back-to-School Capsule Wardrobe That&#039;s Trendy and Affordable</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-back-to-school-items-you-can-buy-used">6 Back-to-School Items You Can Buy Used</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-genius-ways-to-stock-up-on-school-supplies">6 Genius Ways to Stock Up on School Supplies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping back-to-school back-to-school shopping saving money shopping discounts shopping tips Mon, 24 Jul 2017 08:30:15 +0000 Christa Avampato 1988460 at http://www.wisebread.com 8 Misleading Gadget Marketing Gimmicks http://www.wisebread.com/8-misleading-gadget-marketing-gimmicks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-misleading-gadget-marketing-gimmicks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/fun_with_virtual_reality_headset.jpg" alt="Fun with virtual reality headset" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Consumers now have thousands of computers, tablets, e-readers, phones, game consoles, and other gadgets to choose from. Unfortunately, technology marketing teams have a frustrating history of creating misleading marketing campaigns &mdash; from the commercials they create to the facts listed on product listings. Here are eight misleading marketing gimmicks to be aware of before you purchase any new tech toys.</p> <h2>1. PlayStation 4 Pro's 4K graphics</h2> <p>The new PlayStation has been marketed as a new 4K gaming experience. Despite the marketing claims, developers have begun to admit that the <a href="https://venturebeat.com/2016/09/08/ps4-pro-isnt-4k-that-doesnt-matter/" target="_blank">console doesn't have the processing power</a> to render a true 4K image. Instead, the PS4 Pro fills in half of the required pixels for a 4K image (like a checkerboard) and utilizes an algorithm to fill in the missing pixels for a 4K screen, which will still result in a high definition gaming experience, but not technically 4K.</p> <p>The PS4 Pro will be close enough to 4K image that most gamers won't be able to tell the difference. Mislabeling the PS4 Pro as 4K isn't malicious, but it's still indicative of an industry that continually oversells image quality as true 4K.</p> <h2>2. Video game trailers with misleading images</h2> <p>Video games, every once in awhile, mislead gamers about the quality of the graphics. Gamers awed by the trailers, purchase the game, and then are disappointed by the poorer-than-advertised image quality. Game marketers hoodwink gamers in two ways: pre-rendered images and cross console game images.</p> <p><a href="http://www.craveonline.com/entertainment/1157417-steam-makes-major-change-no-mans-sky-false-advertising" target="_blank"><em>No Man's Sky</em> has come under fire</a> (and an investigation by the UK's Advertising Standards Authority) for using concept art and pre-rendered footage to advertise their game in a manner that over-exaggerates the graphics.</p> <p>In 2010, <a href="https://www.gamespot.com/articles/final-fantasy-xiii-ad-banned/1100-6273824/" target="_blank">Final Fantasy XIII's trailer</a> was banned by the UK's Advertising Standards Authority for using PlayStation 3 clips to advertise the Xbox 360 version of the game. The trailer convinced individuals to purchase the game, only for them to discover the Xbox 360 version of the game had lower quality graphics.</p> <h2>3. Available storage space</h2> <p>Available memory is an important aspect of many purchases. Is 8GB enough? Or would a 32GB device be better? Each consumer needs to make an educated decision which device best fits their needs. The problem is that tech manufacturers often choose to not advertise how much of the memory has already been used by preinstalled software and hardware.</p> <p>How big can the discrepancy between advertised and available storage be? In the past, <a href="http://wgntv.com/2015/01/02/16gb-iphone-not-really-a-16gb-and-now-apple-is-being-sued-over-it/" target="_blank">Apple iPhones and iPads had 20 percent less</a> storage space than advertised. And in one case, one of <a href="https://www.theverge.com/2013/1/29/3929110/surface-pro-disk-space-windows-8" target="_blank">Microsoft's tablets had less than half</a> of the advertised storage space.</p> <p>Before you purchase a new device, check user reviews for the product, and the product listings on Amazon, as the site tends to list both overall and available memory.</p> <h2>4. Laptops with overinflated battery power estimates</h2> <p>Laptop manufacturers rarely advertise a realistic battery estimate. Major tech companies have fallen into a maddening habit of unrealistically tweaking power tests to skew the results far higher than most consumers can expect.</p> <p>Users might get the projected battery power out of the laptop if they dim the screen far lower than comfortable, increase battery power saving settings far higher than useful, and never play games or watch movies.</p> <p>On average, laptop power projections tend to be two to four hours lower than what the company claims. If you're in the market for a new computer, you can find out just how much each major computer company over-exaggerates their battery life by checking <a href="http://www.which.co.uk/news/2017/03/which-laptop-battery-tests-manufacturers-overstate/" target="_blank">computer battery tests conducted</a> by Which.co.uk.</p> <h2>5. E-readers with misleading battery calculations</h2> <p>The manufacturers of e-readers are slightly more honest (if you read the fine-print) about their attempts to mislead consumers about the battery power of their devices. Amazon's Voyage's specs at the very top of the page state the &quot;battery lasts weeks, not hours.&quot; At the very bottom of the page, Amazon reveals that it will only last weeks if it is used half an hour per day.</p> <p>It's not just Amazon. Barnes &amp; Nobles advertises that their NOOK GlowLight Plus has &quot;weeks of battery life&quot; and later reveals the 30 minutes of reading time per day formula they used to come up with the number.</p> <h2>6. E-readers cause &quot;no eye strain&quot;</h2> <p>Amazon has claimed for years their Kindles don't cause eye strain. Recently they softened their claim by advertising their newer Kindles can be read for hours without eye strain.</p> <p>It's true that the Kindle is slightly easier on the eyes in some circumstances, but it won't necessarily eliminate the chance of eye strain after hours of reading.</p> <p>The New York Times explains that <a href="https://bits.blogs.nytimes.com/2010/02/12/do-e-readers-cause-eye-strain/?_r=0" target="_blank">e-readers can be great in bright settings</a> but cause strain in dark settings due to E-ink low contrast ratio and the backlight on the screen. An e-reader can eliminate some eye strain, but integrating breaks into your reading binges every 20 to 30 minutes is a far more useful method.</p> <h2>7. Unlimited phone data plans</h2> <p>Are you tired of meticulously monitoring your data consumption each month? Phone companies have an answer for that pesky problem. Just sign up for an unlimited data plan.</p> <p>These plans sound wonderful, but the reality is slightly less than ideal. For example, Verizon's plan only ensures 4G LTE service for the first 22 GB of service. After that, they can decrease your speed of service. Other networks offer similar caveats. T-Mobile, AT&amp;T, and Sprint all have policies that allow them to decrease the speeds they grant individuals once they reach 22 to 28GB each month.</p> <p>Think very carefully before signing onto an unlimited plan, the cost might not be worth the service offered. (See also: <a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data?ref=seealso" target="_blank">15 Ways to Prevent Your Smartphone From Wasting Data</a>)</p> <h2>8. Surround sound headphones</h2> <p>Headphones are often marketed as surround sound gadgets even if they <a href="http://www.ign.com/articles/2010/08/02/surround-sound-headphones-explained" target="_blank">don't offer a true surround sound experience</a>. When consumers pay for a surround sound experience, they expect that the headphones or stereos used will send sound toward an individual from every direction.</p> <p>A large portion of the marketplace offers simulated surround sound headphones and other gadgets that have two speakers and utilize internal and external amps that turn stereo sound waves into a surround sound experience.</p> <p>Simulated headphones are typically cheaper, but they don't offer the same level of high quality surround sound experience.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/8-misleading-gadget-marketing-gimmicks">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/4-questions-to-ask-before-buying-refurbished-appliances">4 Questions to Ask Before Buying Refurbished Appliances</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-get-your-money-back-when-you-re-denied-a-refund">How to Get Your Money Back When You’re Denied a Refund</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/cheat-sheet-retail-markup-on-common-items">Cheat Sheet: Retail Markup on Common Items</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-classic-impulse-buys-we-need-to-stop-falling-for">10 Classic Impulse Buys We Need to Stop Falling For</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-items-you-should-never-buy-online">8 Items You Should Never Buy Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping advertising marketing gimmicks shopping tips tech gadgets tech toys Tue, 20 Jun 2017 08:30:18 +0000 Samantha Stauf 1969194 at http://www.wisebread.com 8 Items You Should Never Buy Online http://www.wisebread.com/8-items-you-should-never-buy-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-items-you-should-never-buy-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/problems_buying_online_with_credit_card.jpg" alt="Problems buying online with credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Online shopping makes life easier. There's no doubt about that. But what about when it doesn't? Depending on the retailer, returns can be a huge hassle, and some make it difficult for you to prove that an item was received in poor condition or wasn't what you ordered.</p> <p>With most purchases, the reward outweighs the risk. However, when online shopping, just because you can buy an item without leaving your home, doesn't mean you should. Here are a few things that aren't worth buying online.</p> <h2>1. Cars</h2> <p>There's no way to tell if a car, or any vehicle, actually works unless you drive it. Since you can't test drive a vehicle online, purchasing that way is risky. Also, most used car-buying advice tells you to have a mechanic look at the car before you buy it. There's no way you can do that without having access to the car in-person.</p> <p>Besides, what's more fun than a test drive? How else will you know that you enjoy driving the car, that it is comfortable, and has the features you want? (See also: <a href="http://www.wisebread.com/5-times-you-can-score-a-great-deal-on-a-new-car?ref=seealso" target="_blank">5 Times You Can Score a Great Deal on a New Car</a>)</p> <h2>2. Pets</h2> <p>With all of the places out there that treat animals terribly &mdash; think puppy mills and unlicensed breeders &mdash; buying online is a huge gamble. After all, if you don't see where the animals were raised and get a clue as to how they were cared for, your sweet ball of fluff could arrive with a terrible and costly disease.</p> <p>Plus, meeting a pet in-person helps you determine if their personality is a good fit for you and your family. The only way to find out about that is to see the animal before you buy or adopt. (See also: <a href="http://www.wisebread.com/the-8-best-pets-for-frugal-animal-lovers?ref=seealso" target="_blank">The 8 Best Pets for Frugal Animal Lovers</a>)</p> <h2>3. Real estate</h2> <p>Buying any sort of property should be done in-person, even if you have to travel to see it. Unless you view the property, you'll have no real idea of its condition. If you've seen any real estate photographs lately, you know that they can make a home or a piece of property look drastically better than it actually is.</p> <p>Looking at property in-person also gives you a much better idea of its size, shape, and suitability for your life than you'll get if you just look at it online.</p> <h2>4. Prescription medication</h2> <p>There are many reputable pharmacies that sell prescriptions at discounted rates, but there are also many that aren&rsquo;t. While these may make some effort to get you the right drug at the right time, you won't really know what you're getting. And you won't know if the place is inspected and regulated, either.</p> <p>The only exception to this would be purchasing from an online pharmacy that you have access to through your doctor or insurance company. These are much more likely to be reputable, because they have to prove themselves to get that sort of professional affiliation.</p> <h2>5. Name brand knockoffs</h2> <p>It's tempting to buy designer knockoffs online, but the truth is that it's not worth it. Many of the sites that sell these items are not secure, or are located in countries where online security, overall, is lax. You can never know what might happen to your credit card information once it's out there.</p> <h2>6. Large appliances</h2> <p>There are great deals on large appliances online, but what happens if it doesn't work out? They can be impossible to repackage, and then you have to arrange (and sometimes pay for!) the item to be picked up again. Besides, who can tell if the color is actually going to match and be perfect for your home unless you see the item in-person first. Save yourself a massive potential headache and buy these in the store. (See also: <a href="http://www.wisebread.com/4-questions-to-ask-before-buying-refurbished-appliances?ref=seealso" target="_blank">4 Questions to Ask Before Buying Refurbished Appliances</a>)</p> <h2>7. Furniture</h2> <p>This is similar to the discussion of large appliances, above. While it's possible to get a great deal on an item when you purchase online, the potential return process makes the whole thing less desirable.</p> <p>In addition, you need to make sure that your furniture is comfortable and that you like the materials. Unless you can sit on that couch or open and close the drawers on the dresser, you won't know that until the item is delivered.</p> <h2>8. Mattresses</h2> <p>There are some mattress companies that only sell online. While some people swear by these products, it seems dubious to me. After all, we spend about ⅓ of our lives asleep! You need to know that you'll be comfortable, and the best way to do that is to try out a mattress in a store, and then to check that it comes with a warranty. Most companies will take your mattress back for a certain number of days, so you can try it out first. If you do purchase a mattress online, confirm that it comes with a reasonable trial period.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/8-items-you-should-never-buy-online">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-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</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-things-its-better-to-buy-at-the-last-minute">6 Things It&#039;s Better to Buy at the Last Minute</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-prevent-a-drunken-online-shopping-spree">How to Prevent a Drunken Online Shopping Spree</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/make-these-6-credit-card-moves-now-to-prepare-for-holiday-shopping">Make These 6 Credit Card Moves Now to Prepare for Holiday Shopping</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-get-your-money-back-when-you-re-denied-a-refund">How to Get Your Money Back When You’re Denied a Refund</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Shopping internet scam never buy online online shopping shopping tips Shopping Tricks Spending Money Mon, 19 Jun 2017 09:00:09 +0000 Sarah Winfrey 1966172 at http://www.wisebread.com