negotiate http://www.wisebread.com/taxonomy/term/7195/all en-US Best Money Tips: Negotiate Discounts and Freebies For Your Dream Wedding http://www.wisebread.com/best-money-tips-negotiate-discounts-and-freebies-for-your-dream-wedding <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-negotiate-discounts-and-freebies-for-your-dream-wedding" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/wedding-200445150-001-small.jpg" alt="wedding" title="wedding" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on negotiating discounts and freebies for your wedding, ways to go broke, and working out without a gym membership.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneyunder30.com/how-to-negotiate-discounts-and-freebies-for-your-dream-wedding">How to Negotiate Discounts And Freebies for Your Dream Wedding</a> &mdash; To negotiate discounts and freebies for your wedding, try to flatter your friends into helping for free. [Money Under 30]</p> <p><a href="http://brokegirlrich.com/?p=1446">20 Ways to Go Broke</a> &mdash; Not saving for a rainy day and hitting the movies frequently can cause you to go broke. [brokeGIRLrich]</p> <p><a href="http://www.evolvingpf.com/2014/08/work-without-gym-membership/">How to Work Out Without a Gym Membership</a> &mdash; Working out to videos or getting outside and riding your bike are just a couple ways to work out without a gym membership. [Evolving PF]</p> <p><a href="http://www.moneysavingenthusiast.com/2014/08/save-money-2/">8 Money Saving Tips for Wannabe Jedi Savers</a> &mdash; If you want to save money, cut back when eating out and freeze your meals. [Money Saving Enthusiast]</p> <p><a href="http://moneysmartlife.com/choosing-career-path/">4 Questions to Ask Yourself When Choosing a Career Path</a> &mdash; When choosing a career path, ask yourself what you are good at. [Money Smart Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Cleaning-Supplies-Everyone-Needs-35487893">15 Cleaning Supplies Every Home Should Have</a> &mdash; Every home should have vinegar and hydrogen peroxide on hand. [PopSugar Smart Living]</p> <p><a href="http://blog.relayrides.com/2014/08/6-occasions-when-youll-want-to-rent-a-car/">6 Occasions When You'll Want to Rent a Car</a> &mdash; Chances are you will want to rent a car if you are taking a road trip or having out of town guests. [The RelayRides Blog]</p> <p><a href="http://parentingsquad.com/soups-that-make-great-family-meals">Soups That Make Great Family Meals</a> &mdash; Pumpkin and black bean soup makes a great family meal. [Parenting Squad]</p> <p><a href="http://www.threethriftyguys.com/2014/08/3-worthwhile-benefits-to-paying-off-debt/">3 Worthwhile Benefits to Paying Off Debt</a> &mdash; Paying off debt means you have more freedom with your money. [Three Thrifty Guys]</p> <p><a href="http://microblogger.com/using-facebook-groups/">Why You Should Be Using Facebook Groups</a> &mdash; Facebook groups tend to be better than forums and can lower your hosting fees. [Microblogger]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-negotiate-discounts-and-freebies-for-your-dream-wedding">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-costs-you-should-always-negotiate">10 Costs You Should Always Negotiate</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-even-more-freebies-in-exchange-for-a-review">How to Get Even More Freebies in Exchange for a Review</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-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</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/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips discounts freebies negotiate wedding Wed, 20 Aug 2014 19:00:07 +0000 Ashley Jacobs 1189083 at http://www.wisebread.com 10 Costs You Should Always Negotiate http://www.wisebread.com/10-costs-you-should-always-negotiate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-costs-you-should-always-negotiate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/phone-2517032-small_0.jpg" alt="talking on phone" title="talking on phone" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Negotiating is a bit of a lost art in our society.</p> <p>Historically, nearly every kind of good or service was negotiable and subject to haggling when it came to finding a fair price. Today, prices are mostly set by sellers, and people are generally hesitant to question those who set them.</p> <p>But negotiating can still be a prudent thing to do, given the proper environment and a negotiable product. Even larger companies, particularly those that sell some kind of a monthly service, will negotiate, especially when it comes to either keeping or losing customers. (See also: <a href="http://www.wisebread.com/how-to-negotiate-with-confidence-and-strike-the-best-deal?ref=seealso">How to Negotiate With Confidence</a>)</p> <p>As the customer, the power is in your hands as long as you've got money to spend. For most companies, they'd rather you spend it with them instead of somewhere else, even if it means they sell you something at a reduced rate.</p> <p>To increase your chances of successful negotiations, here are a few products and services that can be negotiation-friendly if you're willing to haggle.</p> <h2>1. Cable Bill</h2> <p>Where negotiating can really save you some money is when your promotional period runs out. You know, that six month period where your cable bill is reasonably cheap, then out of nowhere it skyrockets.</p> <p>Almost without fail, you can call and simply be honest about how you feel. You can tell them, &quot;I feel like this is just way too high a price for my cable bill.&quot;</p> <p>At that point, they'll at least get you on another promotional plan, and they may also work with you to figure out what aspects of your service you're not using that you could eliminate to cut down the price. If you need to kick it up a notch, just tell them you're thinking about switching providers, and they'll bend over backwards to keep you.</p> <h2>2. Medical Bills</h2> <p>By the time you have a patient, a hospital, and a third-party insurance company involved in the payment of medical care, the waters can get pretty murky.</p> <p>That's frustrating, but it can also work to your advantage if you feel like your bill is too high. Make sure you know at least the basic ins and outs of your insurance plan, because insurance companies and hospitals will frequently make mistakes when processing your claims and bills.</p> <p>A few annoying phone calls can either get your bill reduced, or get your insurance company to cover a bigger chunk. (See also: <a href="http://www.wisebread.com/what-to-do-if-youre-hit-with-a-huge-medical-bill?ref=seealso">What to Do If You Get a Huge Medical Bill</a>)</p> <h2>3. Gym Memberships</h2> <p>With Planet Fitness now charging <a href="https://www.planetfitness.com/">only $10 a month</a> for memberships, they've increased the competitiveness across the board.</p> <p>So if the gym in your area doesn't offer a plan that low, you can always cite Planet Fitness as comparable rate. You might also be able to negotiate over what features of the gym you want to pay for. For example, some gyms have pools that come with the standard membership. If you don't want to use the pool, see if you can exclude it from your plan for a cheaper price.</p> <h2>4. Rent</h2> <p>The rental market fluctuates like any other, but there aren't many set rules or standards for what rent should cost. That means in most situations, you can negotiate a better price or at least get the owner to cover something like water or Internet expenses.</p> <p>It'll depend on the personality of whoever you're dealing with, but a good approach might be to tell them you can only afford a certain amount per month and see if they will work with you. (See also: <a href="http://www.wisebread.com/6-ways-to-haggle-your-way-to-cheaper-rent?ref=seealso">Haggle Your Way to Cheaper Rent</a>)</p> <h2>5. Trash and Recycling</h2> <p>A lot of private trash companies, like the ones hired by homeowner associations, will bill you a flat rate once a year. What most people don't realize is that many of those same companies are in charge of snow removal.</p> <p>If you've been subject to a mild winter without the need for snow plowing, get in touch with the head of your HOA and see if you can get your bill reduced. It'll go better if you bring it up before you get the bill in the mail.</p> <h2>6. Paint</h2> <p>OK, this is not <em>exactly</em> an example of negotiating &mdash; it's more an example of asking, but it's such a great deal, I wanted to include it. Any place that sells paint will have a lot of returns and mis-tints to deal with. Sometimes they'll put them back on the shelf at a discounted price, but if you're not super picky about the color, ask for them specifically.</p> <p>You can often get this paint at a pretty steep discount, sometimes up to 75% off.</p> <h2>7. Clothes</h2> <p>Keep an eye out for imperfections, and keep in mind that they don't have to be major ones. Any sort of defect can earn you a discount at the register. Most of the time clerks will be more likely to just give you the discount as opposed to going into detailed inspection of the item in question.</p> <h2>8. Yard Work or Landscaping</h2> <p>Large landscaping companies will often charge a lot for the work they do, so you're better off hiring an individual, or someone working for themselves who you can negotiate a price with. If they want the work bad enough, they'll give you a deal.</p> <h2>9. Car Insurance</h2> <p>The car insurance market is incredibly competitive, which means calling around to a few companies and giving them the chance to beat the &quot;other guy's&quot; price can turn into a bidding war for your monthly premium. Call around and jot down the price of each one, reporting the lowest rate to the next company you call. (See also: <a href="http://www.wisebread.com/6-mistakes-to-avoid-when-shopping-for-car-insurance?ref=seealso">Mistakes to Avoid When Shopping for Car Insurance</a>)</p> <h2>10. Anything Used</h2> <p>If there were ever a time to work on your haggling skills, this is the time to do it. Be fair and make sure you can identify concrete reasons the used item should be cheaper. Any kind of scratch or visible imperfection should knock down the price.</p> <p>Consider that a lot of places overcharge for used items, so you shouldn't be shy about trying to get the price down.</p> <h2>Negotiating Can Still Work</h2> <p>Today, businesses are more standardized and prices seem to be always be fixed without room to move. It has made us feel like negotiating for our goods and services is no longer a viable or acceptable way to do business.</p> <p>In some cases, prices are set in stone and talking until your face is blue won't move them. But don't assume that's always the case. If you look for opportunities to get costs down, they will present themselves. At that point, a little dialogue can go a long way.</p> <p><em>What do you negotiate the price for? Let us know in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-costs-you-should-always-negotiate">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</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-negotiation-mistakes-that-will-destroy-your-deal">10 Negotiation Mistakes That Will Destroy Your Deal</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-negotiate-with-confidence-and-strike-the-best-deal">How to Negotiate With Confidence and Strike the Best Deal</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-big-on-everything-for-your-wedding">How to Save Big on Everything for Your Wedding</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/what-to-buy-and-avoid-buying-in-december">What to Buy (and Avoid Buying) in December</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living discounts haggle negotiate Wed, 26 Mar 2014 10:24:18 +0000 Mikey Rox 1132805 at http://www.wisebread.com Best Money Tips: Negotiating the Raise You Deserve http://www.wisebread.com/best-money-tips-negotiating-the-raise-you-deserve-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-negotiating-the-raise-you-deserve-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/business-2570541-small.jpg" alt="business meeting" title="business meeting" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on negotiating the raise you deserve, manly Christmas gift ideas for under $30, and surviving the holidays with your job intact.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/How-Negotiate-Raise-18850024">7 Tips to Negotiating the Raise You Deserve</a> &mdash; When trying to negotiate a raise, be seen and emphasize your work performance. [PopSugar Smart Living]</p> <p><a href="http://christianpf.com/manly-christmas-gift-ideas/">10 Manly Christmas Gift Ideas For $30 (Or Less)</a> &mdash; Need a gift for the man in your life? Consider giving him a slim wallet or vintage playing cards. [Christian Personal Finance]</p> <p><a href="http://money.usnews.com/money/careers/articles/2013/12/16/surviving-the-holidays-with-your-job-intact">Surviving the Holidays With Your Job Intact</a> &mdash; To survive the holidays with your job intact, make sure to attend company holiday parties. [US News and World Report]</p> <p><a href="http://freefrombroke.com/top-holiday-gifts-under-75-for-kids-on-your-list/">Give a Smile to the Kids on Your List - Top Holiday Gifts Under $75 for Kids - 2013</a> &mdash; Rainbow Looms and Jake&#39;s Musical Pirate Ship are just a couple of the top affordable children&#39;s gifts for 2013. [Free From Broke]</p> <p><a href="http://everythingfinanceblog.com/get-ahead-2014-giving-extra-money-job.html">Get Ahead In 2014 By Giving Your Extra Money A Job To Do</a> &mdash; For 2014, give your money the job of paying down your debt or making a down payment on a house. [Everything Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.freemoneyfinance.com/2013/12/what-to-do-with-your-retirement-plan-if-you-change-jobs.html">What to Do With Your Retirement Plan If You Change Jobs</a> &mdash; If you are changing jobs, roll your 401k into a rollover IRA at Vanguard. [Free Money Finance]</p> <p><a href="http://www.thecentsiblelife.com/2013/12/how-to-have-a-budget-friendly-vacation-at-national-parks/">How to Have a Budget Friendly Vacation at National Parks</a> &mdash; To have a budget friendly vacation at national parks, try to cut costs on activities. [The Centsible Life]</p> <p><a href="http://www.americandebtproject.com/2013/12/short-term-car-insurance/">Short-Term Car Insurance - When You Might Need It In A Pinch</a> &mdash; Is your car in the repair shop or are you going out of the country? Short-term car insurance may be a good idea for you! [American Debt Project]</p> <p><a href="http://parentingsquad.com/merry-mailings-5-tips-for-creative-cards">Merry Mailings: 5 Tips for Creative Cards</a> &mdash; For your holiday card this year, consider doing a collage. [Parenting Squad]</p> <p><a href="http://www.1099mom.com/2013/12/why-you-should-turn-down-jobs-that-dont.html">Why You Should Turn Down Jobs That Don&#39;t Fit with Your Business Mission</a> &mdash; You should turn down jobs that don&#39;t fit with your business mission because if you don&#39;t, you are sacrificing your time. [1099 Mom]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-negotiating-the-raise-you-deserve-0">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/5-downsides-to-a-bigger-paycheck">5 Downsides to a Bigger Paycheck</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/you-got-a-raise-now-what">You Got a Raise! Now What?</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-things-you-should-never-do-after-getting-a-raise">10 Things You Should Never Do After Getting a Raise</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-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</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-negotiate-higher-pay-at-your-next-new-job">How to Negotiate Higher Pay at Your Next New Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income best money tips negotiate raise Wed, 18 Dec 2013 11:00:51 +0000 Ashley Jacobs 1100768 at http://www.wisebread.com Best Money Tips: Surprising Things You Can Negotiate http://www.wisebread.com/best-money-tips-surprising-things-you-can-negotiate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-surprising-things-you-can-negotiate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/phone-3769339-small.jpg" alt="talking on phone" title="talking on phone" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on surprising things you can negotiate, thrifty Thanksgiving side dishes, and maximizing your investment return.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dailyworth.com/posts/2271-how-to-negotiate-the-price-for-almost-anything">From Bank Fees to Medical Bills-6 Surprising Things You Can Negotiate</a> &mdash; Did you know you can negotiate credit card and bank fees? [DailyWorth]</p> <p><a href="http://financialhighway.com/thrifty-thanksgiving-side-dishes-sure-please/">Thrifty Thanksgiving Side Dishes that Are Sure to Please</a> &mdash; This Thanksgiving, consider making mashed sweet potatoes. [Financial Highway]</p> <p><a href="http://www.freemoneyfinance.com/2013/11/the-best-way-to-maximize-your-investment-return.html">The Best Way to Maximize Your Investment Return</a> &mdash; To maximize your investment return, remember that time saved is key. [Free Money Finance]</p> <p><a href="http://timemanagementninja.com/2013/11/7-ways-a-positive-attitude-can-make-you-more-productive/">7 Ways a Positive Attitude Can Make You More Productive</a> &mdash; A positive attitude can make you more productive by building teamwork and solving problems instead of creating them. [Time Management Ninja]</p> <p><a href="http://ptmoney.com/real-estate-network/">The Very First Thing You Have To Do When Getting Into Real Estate</a> &mdash; When you first get into real estate, make sure you network. [PT Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://lifehacker.com/how-can-i-get-used-to-working-the-night-shift-1466627171">How Can I Get Used to Working the Night Shift?</a> &mdash; If you have to work the night shift at work, make sure you get good, healthy sleep. [Lifehacker]</p> <p><a href="http://www.marcandangel.com/2013/11/17/10-harsh-realities-that-help-you-grow/">10 Harsh Realities that Help You Grow</a> &mdash; Keep in mind that you will always have less control than you desire. [Marc and Angel Hack Life]</p> <p><a href="http://www.dumblittleman.com/2013/11/five-ways-blog-could-help-you-reach.html">Five Ways a Blog Could Help You Reach Your Goals (and One Way It Probably Won&#39;t)</a> &mdash; A blog can help you reach your goals by building your professional profile. [Dumb Little Man]</p> <p><a href="http://www.savvysugar.com/Nanette-Lepore-Career-Tips-32511417">4 Success Tips From Nanette Lepore</a> &mdash; Remember that loving what you do is key to being productive. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/8-tips-to-avoid-undermining-your-spouse-while-disciplining-your-kids">8 Tips to Avoid Undermining Your Spouse While Disciplining Your Kids</a> &mdash; To avoid undermining your spouse while disciplining your kids, talk with your partner ahead of time. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-surprising-things-you-can-negotiate">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-things-i-dont-want-to-regret-once-i-retire">25 Things I Don&#039;t Want to Regret Once I Retire...</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-of-personal-finance-41-financial-calculators-for-major-life-decisions">Best Money Tip: 41 Financial Calculators for Major Life Decisions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-handle-a-sudden-loss-of-income">How to Handle a Sudden Loss of Income</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/are-you-putting-off-these-9-adult-money-moves">Are You Putting Off These 9 Adult Money Moves?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips negotiate Thu, 21 Nov 2013 11:00:10 +0000 Ashley Jacobs 1098644 at http://www.wisebread.com Best Money Tips: How to Negotiate Your Rent Payment http://www.wisebread.com/best-money-tips-how-to-negotiate-your-rent-payment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-negotiate-your-rent-payment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/home-2674291-small.jpg" alt="kitchen" title="kitchen" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on negotiating rent payments, free stuff for your birthday, and making your commute suck less.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneysmartlife.com/negotiate-rent-payment/">How to Negotiate Your Rent Payment</a> &mdash; To negotiate your rent payment, pay your rent early and propose a longer lease term. [Money Smart Life]</p> <p><a href="http://genxfinance.com/free-stuff-on-your-birthday/">Free Stuff On Your Birthday</a> &mdash; Did you know you can get a free Grand Slam at Denny's on your birthday? [Generation X Finance]</p> <p><a href="http://www.narrowbridge.net/make-your-commute-suck-less/">7 Ideas to Make Your Commute Suck Less</a> &mdash; If you want to make your commute suck less, carpool or eat your breakfast in the car. [NarrowBridge Finance]</p> <p><a href="http://livingonthecheap.com/ideas-for-a-wedding-on-small-budget/">How to have a great wedding on a small budget</a> &mdash; Have a great wedding without breaking the bank by opting for simple invitations and choosing a non-traditional venue. [Living On The Cheap]</p> <p><a href="http://www.stretcher.com/stories/12/12aug20f.cfm#.UhJMRlN3ufg">Helping Others Without Spending Money</a> &mdash; Volunteering or sharing your expertise with others can enable you to help others without spending money. [TheDollarStretcher.com]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.boomerandecho.com/30-signs-you-grew-up-in-a-frugal-family/">30 Signs You Grew Up In A Frugal Family</a> &mdash; Chances are you grew up in a frugal family if you rarely went out to eat or got takeout. [Boomer &amp; Echo]</p> <p><a href="http://www.savvysugar.com/How-Dress-Work-25062372">The Essential Rules for 9-to-5 Attire</a> &mdash; When dressing for work, always aim for a polished, professional look. [PopSugar Smart Living]</p> <p><a href="http://lenpenzo.com/blog/id21356-five-personal-finance-tenets-that-arent-as-smart-as-they-used-to-be.html">5 Personal Finance Tenets That Aren't as Smart as They Used to Be</a> &mdash; Instead of taking advantage of tax deductions through a 401k account, only max out your 401k to the limits that your employer will match your contributions. [Len Penzo dot Com]</p> <p><a href="http://cashmoneylife.com/health-reimbursement-account-benefits/">Health Reimbursement Account Benefits - What You Need to Know</a> &mdash; Health Reimbursement Accounts are not tax deductible for employees. [Cash Money Life]</p> <p><a href="http://parentingsquad.com/9-whole-foods-to-feed-your-baby-when-shes-ready-for-solids">9 Whole Foods to Feed Your Baby When She's Ready for Solids</a> &mdash; Consider feeding your baby brown rice and pears when she is ready for solid food. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-negotiate-your-rent-payment">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-live-rent-free">5 Simple Ways to Live Rent-Free</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/avoid-these-7-things-when-living-with-roommates">Avoid These 7 Things When Living With Roommates</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-haggle-your-way-to-cheaper-rent">6 Ways to Haggle Your Way to Cheaper Rent</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-important-things-you-need-to-know-about-the-housing-market-in-2016">6 Important Things You Need to Know About the Housing Market in 2016</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips negotiate rent Tue, 20 Aug 2013 09:36:43 +0000 Ashley Jacobs 981371 at http://www.wisebread.com Charged With an Overdraft Fee? Get Your Money Back! http://www.wisebread.com/charged-with-an-overdraft-fee-get-your-money-back <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/charged-with-an-overdraft-fee-get-your-money-back" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash-1229193-small.jpg" alt="cash" title="cash" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Picture this: You login to your checking account to review your transactions &mdash; and BAM!</p> <p>You've been hit with a $35 overdraft fee. Your account has a negative balance, and it's showing in bold red font. (See also: <a href="http://www.wisebread.com/banks-manipulate-your-transactions-may-charge-you-1750-overdraft-fee" target="_blank">Banks Can Manipulate Your Transactions, Then Charge You 1750% Overdraft Fee</a>)</p> <p>What do you do now?</p> <p>Two things: Get your money back, and make sure it never happens again.</p> <p>I'll show you how to do both. Let's start with getting your money back.</p> <h2>Getting Your Overdraft Fee Refunded</h2> <p>Banks spend lots of money trying to earn your business. Your deposits are used to lend money to other customers, in products such as a mortgages or business loans. They profit by charging interest and end up pocketing millions of dollars.</p> <p>So once they get you as a customer, the last thing they want to do is lose your business. You mean a lot to them.</p> <p>Knowing this, you're now in a position of power &mdash; negotiating power.</p> <p>To get your overdraft fee refunded, just call customer service and ask for the fee to be removed. Be polite, but firm.</p> <p>Tell the representative what you want, and why it's in their best interest to give you what you want.</p> <p>Don't get angry, but be persistent. If you've been a responsible customer, you'll get the waiver sooner or later.</p> <p>If you need more guidance, follow this simple script on <a href="http://moneytobless.com/how-to-negotiate-your-way-out-of-bank-fees/" target="_blank">negotiating out of bank fees</a>. Trust me; it works. I know, because I've used it myself!</p> <p>It'll be the quickest, easiest $35 you'll ever save.</p> <p>Yet you should only need to do this once. Because after you get your money back, you'll move on to the next step.</p> <h2>Make Sure It Never Happens Again</h2> <p>Once you get your money refunded, you should set up your finances so that <a href="http://www.wisebread.com/credit-card-fees-hidden-and-otherwise" target="_blank">overdraft fees</a> will be a thing of the past for you. Here's how.</p> <p><strong>Put Your Bills on Your Card</strong></p> <p>First, charge everything you can to your credit card. This includes routine expenses such as your cable, internet, and cell phone bills, plus other stuff such as eating out, groceries, and gas purchases.</p> <p>By putting these charges on your card, overdraft fees will no longer be an issue.</p> <p>Why?</p> <p>Because you can set up automatic payments to be sent from your checking account to your credit card before your bill's due date, so that you don't get hit with a late fee. Better yet, since you're charging purchases to the card <a href="http://www.wisebread.com/whats-your-credit-card-spending-style" target="_blank">that you'd normally make anyway</a>, you'll get more <a href="http://www.wisebread.com/perform-a-credit-card-rewards-annual-review" target="_blank">bonus points</a> or cash back.</p> <p>But what about other bills that can't be charged to your credit card? Some expenses must be paid directly from your checking account. These can include your monthly electricity and gas bills, your rent or mortgage, and other expenses such as DMV fees.</p> <p><strong>Plan and Manage Your Expenses</strong></p> <p>Here's how to manage both your credit card and non-credit expenses.</p> <p>Since many of us get paid twice a month, the first thing to do is to wait for your second payday of the month.</p> <p>Let's say you get paid at the end of May. Your credit card bill will likely be due in the beginning of June, for purchases you made in the April and May timeframe.</p> <p>Knowing this, just perform this simple calculation &mdash; since your paycheck goes into your checking account, enter your checking account balance first. Then subtract your upcoming credit card balance that you'll be fully paying off. After that, subtract the upcoming expenses that can't be charged on your card.</p> <p>Lastly &mdash; and most importantly &mdash; leave $200 as a buffer in case unexpected expenses pop up before your next pay period. Then you're free to do whatever you want with the money that remains &mdash; save it, invest it, or splurge with it (okay, don't splurge with it).</p> <p>That's it. Once you set up this process, maintaining it will be easy, like second nature, and you'll never have to worry about getting hit with an overdraft fee again.</p> <p><em>Have you ever been socked with an overdraft fee? Did you fight it and win? Tell us about it in comments!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fcharged-with-an-overdraft-fee-get-your-money-back&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FCharged%20With%20an%20Overdraft%20Fee-%20Get%20Your%20Money%20Back!.jpg&amp;description=Charged%20With%20an%20Overdraft%20Fee%3F%20Get%20Your%20Money%20Back!" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p>&nbsp;</p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Charged%20With%20an%20Overdraft%20Fee-%20Get%20Your%20Money%20Back%21.jpg" alt="Charged With an Overdraft Fee? Get Your Money Back!" 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/darren-wu">Darren Wu</a> of <a href="http://www.wisebread.com/charged-with-an-overdraft-fee-get-your-money-back">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/avoid-bank-fees">Avoid Bank Fees</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/my-bank-stole-my-grocery-money">My Bank Stole My Grocery 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/how-to-negotiate-with-confidence-and-strike-the-best-deal">How to Negotiate With Confidence and Strike the Best Deal</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/11-ways-to-avoid-bank-fees-while-traveling">11 Ways to Avoid Bank Fees While Traveling</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-emergencies-how-to-weather-the-storm">Financial Emergencies: How to Weather the Storm</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking General Tips bank fees checking accounts negotiate overdraft fees Wed, 19 Jun 2013 10:36:33 +0000 Darren Wu 978034 at http://www.wisebread.com How to Negotiate With Confidence and Strike the Best Deal http://www.wisebread.com/how-to-negotiate-with-confidence-and-strike-the-best-deal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-negotiate-with-confidence-and-strike-the-best-deal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mechanic-1984787-small.jpg" alt="mechanic" title="mechanic" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>I'm always surprised when I see otherwise confident, capable, and brilliant people cower at the prospect of a little friendly negotiating. When it comes time to buy a car, hire a service, or pick up a second-hand coffee table, we shy away from haggling. I think it's largely due to being unprepared and not knowing the protocols that can help ensure success. The result? We're paying more than we need to for much of what we buy. (See also: <a target="_blank" href="http://www.wisebread.com/negotiating-101-the-5-buyers-you-meet-in-hell">Negotiating 101: The 5 Buyers You Meet in Hell</a>)</p> <p>If you'd like to become a better negotiator, here are a few tips that can vastly improve your chances of landing a sweet deal on your terms.</p> <h2>Come With Cash</h2> <p>I've said it before, but it bears repeating &mdash; cash is king.</p> <p>Nothing positions you for success like coming to the negotiating table with cash in-hand. First, in the Age of <a target="_blank" href="http://www.wisebread.com/8-vile-craigslist-scams-to-watch-out-for">the Craigslist Scam</a>, cash speaks volumes about your seriousness as a buyer. Second, it motivates sellers to be more flexible on price, especially if they just want a quick sale so they can move on to other things. Third, it's quick and clean &mdash; no waiting for ATM runs, for the bank to open, for checks to clear, etc.</p> <h2>Be the First to Respond</h2> <p>When negotiating, there's no such thing as being fashionably late. Responding promptly and making a commitment to see an item before others have a chance to seize the deal isn't just smart shopping. Sellers will often honor a &quot;first come, first served&quot; rule, even if another buyer offers a better deal later.</p> <h2>Show Up</h2> <p>It's true &mdash; sometimes the difference between success and failure lies in just showing up. Anyone who advertises something for sale expects a few flakes, but that doesn't mean it's OK to be one. If you're interested in an item and want to prepare yourself for a successful deal, show up, don't be late, and try not to reschedule half-a-dozen times.</p> <h2>Communicate</h2> <p>Successful negotiating is <a target="_blank" href="http://www.wisebread.com/conversation-killers-what-s-holding-you-back-from-negotiating">built on clear communication</a>.</p> <p>Buyers should ask questions, discuss their concerns about an item, and backup their offers with sound reasoning. Silent sellers and stoic buyers don't make for easy deals. Open up, chat, try to create an authentic rapport with a seller, and let the negotiating process ebb and flow naturally.</p> <h2>Tell Your Story</h2> <p>Sometimes it doesn't hurt to share a little bit about yourself and how you'll use what you're buying. No need for elaborate stories or embellished tales of woe. Just help the buyer to understand and appreciate your situation.</p> <p>Maybe that used bike will be your kid's first mode of independent transportation. Maybe that riding lawnmower will help your aging father maintain his own lawn for a few more years. Beyond being purely transactional, negotiation is a human-to-human activity, and its gears are greased by sharing.</p> <h2>Be Fair</h2> <p>Scoring a bargain is great, but there's no need to cut a seller's margin to the bone. The best deals leave <a target="_blank" href="http://www.wisebread.com/miss-the-big-sale-claim-your-savings-anyway">both buyers and sellers feeling satisfied</a>. Understand the real value of what you're negotiating over, estimate what the buyer has put into it, and shoot for a figure that will respect both parties.</p> <p>Beyond all these suggestions, the one overriding piece of advice that should guide your negotiating is this &mdash; relax and enjoy the human-to-human exchange that's part of the process. Within your own predetermined limits about price, be flexible and view the seller not as an adversary, but as a collaborator. Before you know it, you'll be an expert negotiator scoring bigger and better bargains than ever before.</p> <p><em>Are you a negotiator? What was your most recent haggling bargain? How much did you save and what was the process like?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/how-to-negotiate-with-confidence-and-strike-the-best-deal">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-i-got-over-my-haggling-hatred">How I Got Over My Haggling Hatred</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/debit-or-credit-which-one-should-you-choose-at-the-checkout">Debit Or Credit? Which One Should You Choose At The Checkout?</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-7-laws-of-negotiation">The 7 Laws of Negotiation</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/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</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/big-list-of-senior-discounts">Big List of Senior Discounts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Shopping bargain better deal haggle negotiate Thu, 18 Apr 2013 10:36:33 +0000 Kentin Waits 973486 at http://www.wisebread.com Best Money Tips: Negotiate Your Way to a Lower Cable Bill http://www.wisebread.com/best-money-tips-negotiate-your-way-to-a-lower-cable-bill <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-negotiate-your-way-to-a-lower-cable-bill" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5542546563_ed1c2aabe1_z.jpg" alt="watching tv" title="watching tv" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on negotiating a lower cable bill, brilliant uses for beer, and saving money at theme parks.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneyning.com/budgeting/how-to-negotiate-your-cable-bill/">How to Negotiate Your Way to a Lower Cable Bill</a> &mdash; If you want to get a lower cable bill, remember to try to keep your expectations realistic. [MoneyNing]</p> <p><a href="http://www.savvysugar.com/Uses-Beer-25209210">7 Brilliant Uses For Beer</a> &mdash; Did you know beer can brighten wood furniture? [SavvySugar]</p> <p><a href="http://notmadeofmoney.com/blog/2013/01/savin-money-theme-parks.html">Tips For Saving Money At Theme Parks</a> &mdash; To save money at theme parks, buy souvenirs off site and go in the off season. [Not Made of Money]</p> <p><a href="http://www.mightybargainhunter.com/reasonably-priced-gifts-loved-ones/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+mightybargainhunter+%28MightyBargainHunter.com%29">Ten tricks for reasonably-priced gifts for loved ones</a> &mdash; Want to save money on gifts for your loved ones? Look into getting discount gift cards to save! [Mighty Bargain Hunter]</p> <p><a href="http://www.biblemoneymatters.com/how-to-save-money-when-shopping-online-from-research-to-receipt/">How To Save Money When Shopping Online: From Research To Receipt</a> &mdash; Save money when shopping online by using Amazon.com to research and find the best item at the lowest price. [Bible Money Matters]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.moneycrush.com/how-to-budget-on-an-irregular-income/">How to Budget on an Irregular Income</a> &mdash; When budgeting on an irregular income, base things on the bare minimum. [MoneyCrush]</p> <p><a href="http://www.consumerismcommentary.com/the-wrong-reason-to-become-an-entrepreneur/">The Wrong Reason To Become An Entrepreneur</a> &mdash; The concept of not having to work for someone else is the wrong reason to become an entrepreneur. In fact, entrepreneurs have more bosses than any other type of worker! [Consumerism Commentary]</p> <p><a href="http://cashmoneylife.com/benefits-of-consolidating-financial-accounts/">Account Consolidation - When Less is More</a> &mdash; Consolidating your accounts can make it easier to track your finances and can help you pay fewer fees. [Cash Money Life]</p> <p><a href="http://www.onmoneymaking.com/6-sites-to-make-money-online-from-writing.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+OnMoneymaking+%28On+Moneymaking%29">6 Sites to Make Money Online From Writing</a> &mdash; Want to make money online from writing? Check out Textbroker or Bukisa. [On Making Money]</p> <p><a href="http://parentingsquad.com/how-to-treat-head-lice-what-parents-need-to-know">How to Treat Head Lice: What Parents Need to Know</a> &mdash; If your child has lice, you must buy a nit comb and remove every single nit. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-negotiate-your-way-to-a-lower-cable-bill">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/secret-lawn-tonic-recipe-from-golf-course-groundskeeper">Secret Lawn Tonic Recipe From Golf Course Groundskeeper</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-best-and-worst-places-to-stash-cash-in-your-home">The Best and Worst Places to Stash Cash in Your Home</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-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-bug-sprays-for-home-pest-control">The 5 Best Bug Sprays for Home Pest Control</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home best money tips cable negotiate Tue, 05 Feb 2013 10:48:36 +0000 Ashley Jacobs 967657 at http://www.wisebread.com Best Money Tips: Negotiate for Lower Rent http://www.wisebread.com/best-money-tips-negotiate-for-lower-rent <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-negotiate-for-lower-rent" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2621971821_7f36fcde7d_z-1.jpg" alt="Negotiate for Lower Rent" title="Negotiate for Lower Rent" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on negotiating rent, last-minute tax tips, and credit card expiration dates.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.carefulcents.com/negotiate-for-lower-rent/">Negotiate for Lower Rent and Live Large on a Small Budget</a> &mdash; Negotiate your rent by offering to pay early and go paperless. [Careful Cents]</p> <p><a href="http://www.savvysugar.com/Last-Minute-Tips-From-IRS-Filing-Taxes-15440903">April 17 Is Approaching: 4 Last-Minute Tax Tips</a> &mdash; If you are filing your taxes last minute, use IRS Free File to file for free. [SavvySugar]</p> <p><a href="http://www.narrowbridge.net/credit-card-expiration-dates/#more-3756">Credit Card Expiration Dates</a> &mdash; Just because your credit card expires doesn't mean your account expired. When your card expires and you get sent a new card, consider canceling it if you have a card with an annual fee that you don't plan on using. [Narrow Bridge]</p> <p><a href="http://www.mangomoney.com/blog/financial-empowerment/8-things-you-should-buy-used">8 Things You Should Buy Used</a> &mdash; Make sure you buy office furniture used. [Mango Blog]</p> <p><a href="http://www.thousandaire.com/how-to-avoid-the-underpayment-penalty/">How to Avoid The Underpayment Penalty</a> &mdash; To make sure you don't get hit with the underpayment penalty, make sure you withhold at least as much in taxes as your tax bill in the previous year. [Thousandaire]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thedigeratilife.com/blog/stubhub-vs-ticketmaster-online-ticket-brokers-sites/">Tips For Using Online Ticket Brokers and Sites</a> &mdash; When buying tickets online, remember that anything goes in the ticket resale market. [The Digerati Life]</p> <p><a href="http://moneyning.com/debt/the-one-way-to-never-fall-into-debt-again/">The One Way to Never Fall Into Debt Again</a> &mdash; Decide to live in the black and avoid using credit cards so you prevent yourself from falling into debt again. [MoneyNing]</p> <p><a href="http://www.quizzle.com/blog/2012/04/why-you-cant-afford-not-to-talk-to-your-kids-about-money/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+QuizzleWire+%28Quizzle+Wire+&raquo;+Personal+Finance+Blog%29">Why you can't afford not to talk to your kids about money</a> &mdash; You can't afford to not talk about money with your kids because the average college student has $4,100 in credit card debt by the time they graduate.[Quizzlewire]</p> <p><a href="http://cashmoneylife.com/how-work-can-benefit-your-life/">How Work Can Benefit Your Life</a> &mdash; Work can benefit your life because it gives you a sense of purpose. [Cash Money Life]</p> <p><a href="http://parentingsquad.com/prosquad-underage-drinking-and-support-for-adopting-families">ProSquad: Underage Drinking and Support for Adopting Families</a> &mdash; Combat underage drinking by informing your children about the dangers of alcohol abuse and drunk driving. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-negotiate-for-lower-rent">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-alternative-housing-options-you-can-afford">5 Alternative Housing Options You Can Afford</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-live-rent-free">5 Simple Ways to Live Rent-Free</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-to-haggle-your-way-to-cheaper-rent">6 Ways to Haggle Your Way to Cheaper Rent</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/avoid-these-7-things-when-living-with-roommates">Avoid These 7 Things When Living With Roommates</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-important-things-you-need-to-know-about-the-housing-market-in-2016">6 Important Things You Need to Know About the Housing Market in 2016</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips negotiate rent Tue, 10 Apr 2012 09:48:12 +0000 Ashley Jacobs 917197 at http://www.wisebread.com 25 Things I Don't Want to Regret Once I Retire... http://www.wisebread.com/25-things-i-dont-want-to-regret-once-i-retire <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-things-i-dont-want-to-regret-once-i-retire" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/to do list_1.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="267" /></a> </div> </div> </div> <p>I met with an elderly couple today in their home to execute some planning documents. While neither of them ever had jobs as professionals and neither inherited any money from family members, they have amassed quite a respectable sum of money as they continue to progress through the Golden Years. The lesson that they passed on to me today in our short meeting was that you have to proceed through life without regret, and live each moment so that you will not later look back with regret.</p> <p>After meeting with the couple, I returned to my office and put together a list of 25 ideas, goals, etc. that I want to look back on when I reach retirement age, and say that I fully accomplished or successfully practiced each of these 25 goals. So without further ado, here is part one of my list, with part two coming tomorrow night when I return home from class (feel free to add to my list or share your thoughts in the comments):</p> <p><strong>1. Start Saving Money Now, and Continue to Save Money Forever. </strong>One of my major problems before I discovered the world of personal finance is that I would pay everyone, but I would never pay myself. I had no problem sending the cable, car insurance and energy bills each month, but I always forgot to pay myself, i.e. save. Now I&#39;ve opened a high-interest savings account, and plan on saving even more as my income continues to grow. </p> <p><strong>2. Stop and Think About Prospective Purchases for at Least 30 Seconds. </strong>I&#39;m an impulse buyer, I always have been. This might be the &quot;typical male shopper&quot; shining through, but when I see something I want, I typically convince myself that I can afford to purchase it. This is especially easy when buying gifts for those I love. I&#39;ve taken to thinking about purchases before I make them in the stores, or if online, I like to leave the website I am about to buy from and do some research to confirm the utility of the product or search for a better deal.</p> <p><strong>3. Make and Stick to a Budget. </strong>This is difficult enough for myself and the fiancee now, with no children and relatively little worries beyond our lovable dog. However, I anticipate budgeting will become even more complicated and necessary as our family grows, which is why I&#39;ve taken such a strong liking to the <a href="http://youneedabudget.com/" target="_blank">You Need A Budget system</a>.</p> <p><strong>4. Max-Out Your Retirement Plans Annually.</strong> This is the first year I&#39;ve committed to maxing out the plans my employer offers, but I haven&#39;t even graduated law school yet, so I think there&#39;s time here. What I do know is that I would horribly regret not electing to max out these plans 40 years from now.</p> <p><strong>5. You Own Banks, Not The Other Way Around.</strong> I&#39;m essentially lending banks my money every time I make a deposit. There&#39;s no reason the banks shouldn&#39;t be paying me interest in the same manner they expect to earn interest. I&#39;ve committed to only doing business with banks that offer competitive rates (although I&#39;m not trolling for the best rates) and offer great customer service.</p> <p><strong>6. Carpool More. </strong>I feel this could be a great way to not only save on expenses and help the environment, but also become closer with those I work/go to school/spend time with. Therefore, carpooling becomes a win-win-win situation.</p> <p><strong>7. Dryclean Less. </strong>If I told you the amount I spend at the drycleaner each week, you would probably be sick. There&#39;s not a lot of chatter around the PF blogs regarding the high cost of drycleaning, but it is one of my biggest monthly expenses. I&#39;m currently in the market for a professional-grade steamer for my suits/pants/shirts and hope this will trim large amounts from my monthly bill.</p> <p><strong>8. Purchase Quality Blankets. </strong>Living in Upstate New York, I pay gobs of money to heat my home through the long winter. As I have not yet decided on the electric fireplace as a supplement to our energy-efficient, but still overpriced furnace, we are using blankets more so we can keep the heat lower (although it is buzzing furiously right now). Plus, the blankets allow for more snuggling!</p> <p><strong>9. Volunteer More Often. </strong>This is a personal-maintenance issue for me. I grew up volunteering in my church, and now I&#39;m using some of my skills to give back through <a href="http://www.irs.gov/individuals/article/0,,id=107626,00.html" target="_blank">VITA</a> by helping prepare tax returns for low-income individuals and families.</p> <p><strong>10. Never Pay Retail Price. </strong>I like to haggle with people, but that&#39;s just in my nature (thank you Law School!) Plus, there&#39;s nothing better then feeling like you beat the system, and got a great bargain. I&#39;ve been getting better at not accepting &quot;we can&#39;t go any lower&quot; for an answer, and also being willing to push the envelope as far as necessary to get the best deal. When push comes to shove, it&#39;s all about not being &quot;sold&quot; on a product or service when you are negotiating for it, and being able to walk away if the price is not agreeable.</p> <p><strong>11. Prepare for Roadblocks. </strong>The first step to prepare for emergencies is to save for emergencies. This is why I&#39;ve been frequently trying to stash money in our Emergency Savings account. Only once I&#39;ve created/maintained/replenished this buffer will we truly be on the road to financial freedom.</p> <p><strong>12. Live on Less Than You Earn. </strong>This is difficult because the fiancee and I are both in grad school, and the earnings are not that great. However, through modifying our expectations and expenses, we&#39;ve managed to live pretty comfortably and still be able to afford to plan for parts of our upcoming wedding without plunging ourselves into mountains of debt (with the exception of our growing student loans). Living on less than we earn will become increasingly important as we will both work in professional settings and likely face the peer-pressures that accompany higher-paying jobs, including wardrobe updates, fancy cars, big houses, etc. As long as we can continue to live on less than we make, I believe the long-term payoff will be enormous. </p> <p>That&#39;s all for Part One! I look forward to reading all of your comments and hope you will tune in tomorrow for Part Two... </p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/anthony-marrone">Anthony Marrone</a> of <a href="http://www.wisebread.com/25-things-i-dont-want-to-regret-once-i-retire">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-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moments-that-should-be-on-everyones-bucket-list">8 Money Moments That Should Be On Everyone&#039;s Bucket List</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/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</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/saving-money-is-easy-if-you-set-the-right-goals">Saving Money Is Easy If You Set the Right Goals</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance blankets deals goals high interest savings negotiate retirement planning volunteer you need a budget Tue, 22 Jan 2008 04:12:10 +0000 Anthony Marrone 1658 at http://www.wisebread.com Walking away (from a job that’s going away) on your terms http://www.wisebread.com/walking-away-from-a-job-that-s-going-away-on-your-terms <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/walking-away-from-a-job-that-s-going-away-on-your-terms" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_in_suit_walking.jpg" alt="man in suit walking on sidewalk" title="man in suit walking on sidewalk" class="imagecache imagecache-250w" width="250" height="191" /></a> </div> </div> </div> <p>Have you just gotten a disciplinary notice after years of stellar performance? If you have and you&rsquo;ve read Paul Michael&rsquo;s <a href="/you-re-fired-20-signs-that-a-pink-slip-is-coming" target="_blank" title="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You're Fired! 20 signs that a pink-slip is coming</a> &hellip; (#14) you sense that you're in trouble. Rather than let the progressive disciplinary madness continue, take action.</p> <p>Here&rsquo;s what a friend of mine did, after we talked and I agreed with him that a reprimand delivered by human resources most likely portended termination.</p> <p>First I want to tell you about his accomplishments; he had (for the employer who was looking to fire him):</p> <ul> <li>brought current industry practices to a good-ole-boy company</li> </ul> <ul> <li>introduced new services, processes, and programs that reaped immediate and ongoing benefits to his area&rsquo;s performance</li> </ul> <ul> <li>modified internal systems to improve his staff&rsquo;s analytical tools</li> </ul> <ul> <li>trained and developed a high-performing staff</li> </ul> <ul> <li>turned around the attitude and performance of a particularly ornery employee</li> </ul> <ul> <li>re-focused certain aspects of customer relationships to gain compliance with procedures</li> </ul> <ul> <li>educated internal managers on the significance of his area to the company&rsquo;s profitability</li> </ul> <ul> <li>completed company-sponsored executive training through a prestigious, industry-recognized program</li> </ul> <p>When he was asked to issue a disciplinary action on the turned-around, ornery employee that he felt was bogus, suspicions were aroused. When he received a written reprimand for a mistake that he had already admitted making and had put processes in place to correct, suspicions were confirmed. Putting pieces of the disciplinary puzzle together, he realized that his company needed to cut headcount; the HR department, rather than advocating for him, sided with his bosses.</p> <p>Coincidentally, my friend had sold his home just weeks earlier, realizing that the housing market was still strong and aching for a new challenge that might present itself in a different city.</p> <p>What did he do with his suspicions? He approached his boss (with whom, oddly, he had a great relationship), explained that he knew what was going on, and negotiated a severance package. He agreed to leave the company but faced the inevitable (displacement) on his terms, which included a consulting stint while he looked for another job.</p> <p>I&rsquo;d like to say that he found a new job prior to the end of the severance period and consulting assignment. He didn&rsquo;t. Instead, he moved back home and took care of his mom when she suffered and then recuperated (with his help) from a major health crisis. After a few months, however, he landed a new job and is now happily employed. Having a termination on his record is something that he avoided.</p> <p>Here&rsquo;s a plan if you get an out-of-the-blue disciplinary notice just after getting a great performance review, especially after you&rsquo;ve been told there are to be layoffs and/or you are asked to issue disciplinary notices that are unwarranted:</p> <ul> <li>Recognize the handwriting on the wall</li> </ul> <ul> <li>Accept your fate</li> </ul> <ul> <li>Don't get angry</li> </ul> <ul> <li>Approach your boss</li> </ul> <ul> <li>Negotiate a package</li> </ul> <ul> <li>Get recommendations testifying to your stellar performance</li> </ul> <ul> <li><a title="Job search tips" href="http://www.wisebread.com/lost-my-job-tips-for-the-recently-laid-off">Look for a job</a></li> </ul> <ul> <li>Walk away</li> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/julie-rains">Julie Rains</a> of <a href="http://www.wisebread.com/walking-away-from-a-job-that-s-going-away-on-your-terms">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-questions-you-should-always-ask-in-an-exit-interview">8 Questions You Should Always Ask in an Exit Interview</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-you-need-to-stop-asking-hr-for">6 Things You Need to Stop Asking HR 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/laid-off-what-to-do-before-plunging-into-the-job-search">Laid Off? What To Do Before Plunging Into The Job Search</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/incentive-plans-always-go-awry">Incentive plans always go awry</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-laid-off-a-step-by-step-guide">How to Get Laid Off: A Step-By-Step Guide</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income disciplinary action discipline human resources negotiate pink slip severance package Thu, 26 Jul 2007 19:52:33 +0000 Julie Rains 907 at http://www.wisebread.com