frugal tips http://www.wisebread.com/taxonomy/term/7813/all en-US 7 Money-Saving Tricks You Can Learn From Same-Sex Couples http://www.wisebread.com/7-money-saving-tricks-you-can-learn-from-same-sex-couples <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-money-saving-tricks-you-can-learn-from-same-sex-couples" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000051599088_Large.jpg" alt="smiling gay couple" title="smiling gay couple" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>By and large, LGBT couples are the same as heterosexual couples in most facets of our relationships. We express affection, argue, celebrate, and support each other just as our straight counterparts do. Yet there's one area where same-sex and heterosexual partnerships tend to differ, sometimes significantly &mdash; and that's our finances. Being part of a same-sex couple affords certain money-saving advantages that historically have been harder for hetero couples.</p> <p>But straight couples can take advantage of these money-saving opportunities, too. Thus, to help you make the most of your relationship &mdash; and reap the financial benefits that gay couples are seizing &mdash; here are seven common ways to save that you can learn from same-sex couples.</p> <h2>1. Share Clothing, Accessories, and Grooming Products</h2> <p>Ask any gay man who's dating another gay man of similar size and style, and he'll tell that you that one of the best days of his life was when he and his boyfriend moved in together and each of their wardrobes instantly doubled. (The same applies for lesbian couples, of course.) Because when you're a dude and you're living with another dude, you automatically get to borrow whatever they have that you like. Seriously &mdash; Best. Day. Ever. (This applies to straight-guy roommates as well, by the way &mdash; even if they won't admit it.) Straight couples, however, can't pull off this feat without raising at least a few eyebrows.</p> <p>Of course, not all of us can fit into our same-sex partner's clothes, and we don't always share a similar sense of style, so if we lose out on that windfall, chances are we can still swap accessories like watches, ties, and outerwear &mdash; a practice that can save us hundreds of dollars a year.</p> <p>Let's not forget about grooming products, either. What my husband and I have in common that a husband and wife don't is that we can use the same shampoo, conditioner, shaving cream, hair product, and cologne on a daily basis. Think about that, ladies and gentlemen: You probably have a bathroom full of &quot;his&quot; and &quot;hers&quot; products that likely dip into the thousand-dollars-per-year territory. But do you really think that that &quot;men's body wash&quot; is specifically designed just for male body parts? Sadly, only the label is, which is why you should think about taking a page from our playbook in this regard, and start consolidating where you can.</p> <h2>2. Take Advantage of &quot;Buy One, Get One&quot; Sales</h2> <p>When Victoria's Secret has a BOGO sale, who benefits? Only the person wearing the bra in the relationship. Mathematically speaking, that's two bras for one person at half their original price. If you're part of a lesbian couple, on the other hand, each lady can get one bra for themselves using this deal. It's hard to argue with those numbers.</p> <p>Personally, I love scooping up BOGO deals on shoes with my husband. We each get a pair we like, and split the total cost of the discounted bill, which renders it cheaper for each of us than if we were to absorb the total cost all alone.</p> <p>Again, this isn't a situation specific to same-sex couples, but rather one of which we're more mindful because the sale often applies to gender-specific items that heterosexual couples brush off as not pertinent to their other half &mdash; mostly because they're not in the mindset of doing so. Things like bras, I understand, but you should absolutely start thinking as a savings duo in other, more gender-neutral areas, like t-shirts or certain types of shoes.</p> <h2>3. Use the Same Loyalty Card for Similar Services</h2> <p>My husband and I typically go to the same place to get our haircut, workout, and get an oil change, among other services. And to ensure that we're maximizing our reward-earning potential via the establishments' loyalty programs, we have one account that we share so we rack up points quicker. If you and your S.O. are patronizing different establishments, thereby reducing your overall savings (sometimes by A LOT), this is another area where you two should connect and see where it makes sense to join forces.</p> <h2>4. Scale Back Life's Expensive Milestones</h2> <p>Considering the history of how same-sex relationships in America, the majority of gay people &mdash; until very recently &mdash; gave up on the idea of a traditional wedding. On one hand, it was unfortunate that we couldn't experience that rite of passage like our straight counterparts, but on the other, we saved tens of thousands of dollars that, in hindsight, is much better spent on anything else besides expensive flowers and a cake.</p> <p>Certainly I'm being facetious here, but you get the point. Just because you're a straight couple doesn't mean you have to subscribe to what our society considers the &quot;norm.&quot; If you don't like the idea of spending a small fortune on a one-day party, don't. Find someone who thinks similarly with whom to spend the rest of your life, skip the formalities, and send all your other goin'-to-the-chapel straight friends a Christmas card taken from the bow of your boat as you enjoy the sunset in Fiji. Can I get an &quot;Amen?&quot;</p> <h2>5. Put Kids on Hold Until You're Financially Stable</h2> <p>Biologically speaking, it's incredibly easy for gay couples to not have kids &mdash; but that doesn't mean that we don't want them. It also doesn't mean that I'm advising against you having them. Kids, as I understand, are a blessing to many families &mdash; but they'll also bleed you dry if you're not prepared. Things happen unexpectedly &mdash; I get it &mdash; but if you can help it, the best financial decision that you can make for your intended family is to wait until you're financially stable. That may mean that you shouldn't have kids until your late 20s or 30s, but wouldn't you rather enjoy your life with your children, instead of struggling to make ends meet for the next two decades?</p> <h2>6. Rely Less on Outside Sources in Future Planning</h2> <p>It wasn't long ago that gays experienced all sorts of financial restrictions based on our sexual orientation. Because we weren't allowed to get married until relatively recently (and some gay people still can't in certain states), we weren't privy to many tax incentives, inheritance rights, and other financial benefits for which straight couples qualified. So, homosexual couples have had to adapt financially to protect ourselves and make do without help from outside sources. It's a useful skill from which straight couples can also benefit.</p> <p>Though it's hard, try relying less on what your job or the government says you're afforded or has promised you. (If the Social Security debacle isn't a wake-up call, I don't know what is.) Thus, the only money that's really yours is the money you already have. Anything else is phantom cash that you may never see unless you start thinking differently. Save and plan accordingly.</p> <h2>7. Be a Dual Income Household</h2> <p>Though times are rapidly changing, historically women worked outside the household less often than men. That meant hetero couples often had only one income &mdash; and that gays often had dual incomes. Depending upon the nuances of your own personal household situation and preferences, having two parents working outside the home may not be realistic. But that doesn't mean your household can't have two incomes, since it's possible to earn money while working from home, for example. A second income can make all the difference in your financial futures, so explore ways to bring in extra money.</p> <p><em>In what other ways do same-sex couples maximize their finances? Please share 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/7-money-saving-tricks-you-can-learn-from-same-sex-couples">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/25-frugal-changes-you-can-make-today">25 Frugal Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-frugal-things-i-do-4-spendthrift-confessions">25 Frugal Things I Do, 4 Spendthrift Confessions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">The Key to Frugality: Avoid the Fear Tax</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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugal tips lgbt same-sex couples Mon, 19 Jan 2015 14:00:19 +0000 Mikey Rox 1281377 at http://www.wisebread.com Ask the Readers: What Is Your Favorite Frugality Tip? http://www.wisebread.com/ask-the-readers-what-is-your-favorite-frugality-tip <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-is-your-favorite-frugality-tip" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy-bank-1608272-small.jpg" alt="piggy bank" title="piggy bank" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-what-is-your-favorite-frugality-tip#comment-630605">Karen</a>, Ria, and Vickie for winning this week's contest!</em></p> <p>There are tons of frugal living tips out there. TONS. Some make a lot of sense, others make you think "Huh. That's...interesting." Then there are tips that cause you to jump up and go, "Wow! I can't wait to try it out!" and it turns out that the tip is, indeed, as great as you thought it might be.</p> <p><b>What is your favorite frugality tip?</b> How did you learn about it &mdash; from family or friends, a blog, a book? How often do you share this tip with others?</p> <p>Tell us about your favorite frugality tip and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will win a $20 Amazon Gift Card!</li> </ul> <h3>For extra entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> <a id="rc-79857d29" class="rafl" href="http://www.rafflecopter.com/rafl/display/79857d29/" rel="nofollow">a Rafflecopter giveaway</a><script src="//d12vno17mo87cx.cloudfront.net/embed/rafl/cptr.js"></script> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, April 29th at 11:59 pm Pacific. Winners will be announced after April 29th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> </ul> <p><strong>Good Luck!</strong></p><div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about your favorite frugality tip and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-is-your-favorite-frugality-tip">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/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-200-giveaway-what-is-your-top-question-about-personal-finance">Ask the Readers $200 Giveaway: What is Your Top Question About Personal Finance?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-are-you-optimistic-about-2011">Ask the Readers: Are You Optimistic About 2011?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-share-your-favorite-frugal-holiday-tradition">Ask the Readers: Share Your Favorite Frugal Holiday Tradition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers frugal tips Tue, 23 Apr 2013 10:36:36 +0000 Ashley Jacobs 973600 at http://www.wisebread.com 25 Frugal Changes You Can Make Today http://www.wisebread.com/25-frugal-changes-you-can-make-today <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-frugal-changes-you-can-make-today" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000000921643Smallc_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Frugal living does not have to involve drastic changes; a few simple everyday changes can go a long way. Here are 25 changes you can make today and start living a frugal life without taking frugality too far. (See also: <a href="http://www.wisebread.com/the-line-between-frugal-and-crazy">The&nbsp;Line Between Frugal and Crazy</a>)</p> <h3>1. Reduce/Eliminate Daily Luxuries</h3> <p>Cut down on your daily Starbucks coffee and brown bag your lunch. Small <em>daily</em> luxuries can add up quickly and end up costing you a fortune. We are not talking about the occasional treats, but regular daily expenditures you can easily cut down without a dramatic impact on your life. Instead of buying coffee every morning, make it at home and <a href="http://www.wisebread.com/how-to-save-1500-on-coffee">save $1,500 on coffee</a>.</p> <h3>2. Carpool</h3> <p>Get a few colleagues together and start a carpool. Not only do you and your carpool buddies save on gas and other vehicle maintenance expenses, it is also better for the environment.</p> <h3>3. Prevent Repair Costs</h3> <p>Sometimes frugality can go too far and end up costing you more than saving you. One area you cannot and should not be frugal in is maintenance. Ensure you do your oil changes and tire rotations on a regular basis to prevent costly car breakdown. Regular maintenance around your house, regular check ups at the doctor and the dentist will prevent steep expenditures from creeping up on you.</p> <h3>4. Share Toys</h3> <p>Buying toys can be expensive and rarely are they used to their full potential. Share your kids&rsquo; toys with your family and friends. This will enable your children to play with a variety of toys without you having to buy each item. Create a system that will allow multiple households to share in the fun and costs together.</p> <h3>5. Shop on a Full Stomach</h3> <p>When shopping on an empty stomach you tend to buy items you don&rsquo;t need or want for your diet. However, hunger makes you vulnerable and you end up purchasing what you crave at that moment. Usually these tend to be the more costly ready-to-eat snacks and meals, that are also high on calories, sugars, and sodium.</p> <h3>6. Share Baby Clothes</h3> <p>If you have a child start swapping clothes instead of buying brand new items. Parents understand that babies grow out of clothes at lightening speed. So before you go splurging on those Baby Jordans ask around and you will be surprised to find how many parents have brand new baby clothes that they can donate. As well, be generous and share your little ones&rsquo; items with your friends and family members. A little can go a long way.</p> <h3>7. Purchase Generic</h3> <p>Brand shopping can be obsessive and quickly get out of hand. First it&rsquo;s one purse and then a pair of shoes and before you know it the designer is making all the things you love. I hear you, you can&rsquo;t help but love beautiful creations. However, know that there will never be an end to new and hottest brands and they are always overpriced.</p> <h3>8. Buy in Bulk</h3> <p>Sometimes <a href="http://www.wisebread.com/the-4-myths-of-buying-in-bulk-dispelled">buying in bulk</a> can be a great cost saving technique. This is especially true for cleaning and daily use items such as paper towels, detergent, or bleach. Wait until they are on sale and buy enough to last you until the next sale rolls around. Make sure to buy things that can be stored for a long time without any defects.</p> <h3>9. Turn off the Lights</h3> <p>Turn off your lights and fix water leaks. With some effort <a href="http://www.wisebread.com/7-ways-to-lower-water-heater-costs">reducing water and energy bills</a> can be accomplished rather easily. Depending on your location you might also have options between several service providers. Use websites that can help you find the best rates such as <a href="http://energyshop.com/">energyshop.com</a>. You can easily save 10% or more on these costs. A few hours of research can save you hundreds, if not thousands, of dollars over a year.</p> <h3>10. Purchase Used Items</h3> <p>Although there are some items that you would not purchase used, there are many things one is better off buying used than new. <a href="http://www.wisebread.com/3-proven-ways-to-save-real-money-at-garage-sales">Garage sales</a> can often be a great money saver. One big-ticket item is a car; I am not a fan of purchasing a new car (depreciating asset). A few other items one can purchase used are home appliances, furniture and gardening tools. A few hours on <a href="http://craigslist.com/">craigslist</a>, <a href="http://ebay.com/">ebay</a> or <a href="http://autotrader.com/">autotrader</a> can save you hundreds or thousands of dollars.</p> <h3>11. Cut Food Costs</h3> <p>Cut out junk food and plan meals in advance. After housing and transportation, food is the next biggest expense for most families. Although you cannot eliminate food (at least I can&rsquo;t), there are strategies you can use to reduce the cost associated with it. By planning your meals ahead of time you can avoid wasteful shopping, and reducing junk food will not only help your wallet but also your health.</p> <h3>12. Reduce Reoccurring Costs</h3> <p>Cut down on your cable, internet, phone, magazine subscriptions, and other reoccuring costs. As an entrepreneur I love subscription based services &mdash; they bring in consistent reoccurring income. As a consumer I don&rsquo;t think there is a bigger evil than subscriptions. Go over your monthly subscriptions and start cutting where you can. Small incremental amounts can end up taking a large chunk of your income. Are you still a cable subscriber? With services such as Netflix and redbox, there is no need for hefty cable subscriptions. Although those are also subscription based, the cost is a fraction of your cable bill. Review your internet and phone bills and start shopping for better plans.</p> <h3>13. Save Your Spare Change</h3> <p>Set up a <a href="http://www.wisebread.com/the-piggy-bank-a-secret-to-simple-saving">piggy bank</a> and start saving your spare change. You would not believe how much you can accumalte by saving small amounts of change throughout the year. This is extremely effective; in fact some banks have started offering products based on this concept.</p> <h3>14. Shop Online</h3> <p>Online shopping has become extremely popular over the last few years, and often it's the online retailers that can offer big discounts. Not only is it convenient shopping from your home, you can easily compare prices and look for <a href="http://www.wisebread.com/empty-coupon-code-box-you-re-paying-too-much">coupon codes</a>.</p> <h3>15. Drive Steady</h3> <p>Start driving at a steady pace and <a href="http://www.wisebread.com/how-to-save-0-54-per-gallon-on-gas">avoid excessive speeding</a>. With gas prices going through the roof saving money on gas can add up very quickly.</p> <h3>16. Start Bargaining</h3> <p>Start bargaining! Although you may not be able to bargain at Walmart, you can do it at your local farmers markets, with your phone and cable provider, and many other purchases. Just ask!</p> <h3>17. Eat Steak at Home</h3> <p>You may not succeed on your first attempt to make a great steak, however with practice comes perfection. Save yourself a few hundred dollars by making your steak at home, the way you want it.</p> <h3>18. Pre-Drink at Home</h3> <p>If you are planning on a Saturday night out and hitting the bar, consider pre-drinking at home. I find getting a buzz at the bar can quickly become a buzz kill. Ensure you have a designated driver.</p> <h3>19. Use Coupons</h3> <p>Get cutting! In case you have not heard this before, coupons can save you money! Start using coupons for your everyday purchases; these small amounts can start adding up quickly. These days you don't even have to look for coupon booklets anymore &mdash; there are many variety of <a href="http://financialhighway.com/6-more-places-to-find-coupons/">places to find coupons</a>.</p> <h3>20. Watch the Game at Home</h3> <p>I am a big sports fan and love watching a good game at the bar. However this can get very expensive very quickly. Invite a few friends over and ask them to bring their own alcohol &mdash; you provide the snacks and entertainment. You can have just as good of an experience at home, if not better.</p> <h3>21. Fix It Yourself</h3> <p>If you broke it you can fix it. Fixing your broken items yourself can be a cost effective. With the Google and YouTube you can virtually find videos on anything you may need. Of course, be careful and make sure you have the right tools and skills for the job.</p> <h3>22. Romance on a Budget</h3> <p>Being frugal does not mean you cannot <a href="http://www.wisebread.com/seven-simple-tips-for-romance-on-a-dime">romance your partner</a>. Instead of an expensive dinner out, create a romantic ambience at home with some candles, romantic music and home-cooked meal. Instead of expensive Hallmark cards, you can write your own short poem or just an <em>I love you</em> letter.</p> <h3>23. Be Debt Focused</h3> <p>I know this is not a debt reduction article. However paying off debt can never hurt. Often the goal of frugal living is to become financially independent. What better way to achieve that than by extinguishing debt.</p> <h3>24. Do Your Own Taxes</h3> <p>Taxes often intimidated people. However with all the tax filling softwares available, <a href="http://www.wisebread.com/how-to-file-your-first-tax-return">doing your own taxes</a> is very straightforward. Unless you have a complicated situation, there often is no need to pay hefty fees for someone else to file your taxes.</p> <h3>25. Learn More about Frugal Living</h3> <p>Often frugal living seems complicated and/or boring. But the first step to living a frugal life is to learn more about frugality. Read books, articles, and blogs about saving money &mdash; like you're doing right now!</p> <p>Take care of the pennies and the dollars will take care of themselves.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ray-jamali">Ray Jamali</a> of <a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-i-conquer-my-vanity-for-the-sake-of-my-sanity">Can I Conquer My Vanity for the Sake of My Sanity?</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/is-living-on-one-income-a-status-symbol">Is living on one income a status symbol?</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/will-forced-frugality-last">Will &quot;forced frugality&quot; last?</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/failed-frugality-5-clues-youve-gone-too-far">Failed Frugality: 5 Clues You’ve Gone Too Far</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugal tips frugality Wed, 30 Mar 2011 11:36:09 +0000 Ray Jamali 505520 at http://www.wisebread.com The Key to Frugality: Avoid the Fear Tax http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-key-to-frugality-avoid-the-fear-tax" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Fear Tax.jpg" alt="fear tax" title="fear tax" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Have you ever purchased something for one of the following reasons?</p> <ul> <li>If you didn't, you wouldn't look good enough.<br /> &nbsp;</li> <li>If you didn't, others might think less of you.<br /> &nbsp;</li> <li>If you didn't, you weren't rewarding yourself like you should be.<br /> &nbsp;</li> <li>If you didn't, you would be missing out on something more in life.<br /> &nbsp;</li> <li>If you didn't, you weren't safe enough.</li> </ul> <p>We all have. And probably multiple times every week. And we probably didn't think about it at the time we handed over our hard-earned money, but we were paying a tax on our fears. And in doing so, we were playing right into the hands of marketers and advertisers. Damn! (See also: <a href="http://www.wisebread.com/look-but-don%E2%80%99t-touch-avoiding-market-manipulation">Look, But Don&rsquo;t Touch: Avoid Marketing Manipulation</a>)</p> <h3>Almost every purchase has a fear tax option</h3> <p>Perhaps there are a few items out there still that don't have a fear tax on them, but in my little brainstorming session here, I'm having a hard time thinking of them. Sometimes these purchases are more expensive versions of necessities. Other times, they are the <a href="http://www.wisebread.com/what-you-need-vs-what-you-want-and-how-to-tell-the-difference">things we don't need at all</a>. There are the obvious ones:</p> <ul> <li>You want to have a nice looking vehicle because anything less might be looked down upon by neighbors, co-workers, or the next hot date, no?<br /> &nbsp;</li> <li>The shiniest, fastest, most advanced cell phone to stay on top of the latest trends.<br /> &nbsp;</li> <li>Your entertainment? HD and Blu-Ray is the wave of the future. You wouldn't want to get behind and miss out on the obvious upgrades.<br /> &nbsp;</li> <li>That custom tailored suit so that you can look the best in your next interview or business meeting.</li> </ul> <p>Then, there are some less obvious but incredibly costly purchases that you'll be taxed on:</p> <ul> <li>An MBA from a top 5 business school. Otherwise, why would the best employers want to bother with you?<br /> &nbsp;</li> <li>The extra $300k on your spouse's life insurance beyond what you realistically need if they were to pass away.<br /> &nbsp;</li> <li>That lower deductible on your car insurance, because why the heck would I want to pay $2,500 if I got in a total wreck?</li> </ul> <p>And even the most basic of necessities have a fear tax associated with them.</p> <ul> <li>The organic dog food vs. the regular version because Fido will be healthier and live longer.<br /> &nbsp;</li> <li>The organic human food vs. the regular so that you can live longer.<br /> &nbsp;</li> <li>That premium gasoline so that your vehicle's engine lasts longer.<br /> &nbsp;</li> <li>And don't forget the 2-ply toilet paper, because one is never enough!</li> </ul> <h3>Is overcoming the fear tax the key to frugality?</h3> <p>Not 100%, but it sure is a huge part of it. There are smart frugal things you can do to shop for the lowest price, cut down your total consumption, reuse things, etc. &mdash; but even then, the fear tax is at least an influencer in all of those strategies.</p> <h3>So how do you become '&quot;fear tax exempt&quot;?</h3> <p>It takes years of training, goof-ups, and trial, but it all starts with one simple question you should ask yourself every time you are about to complete a transaction:</p> <p><em>&quot;Am I purchasing this (or paying too much) out of fear?&quot;</em></p> <p>If the answer is no, then congratulations.</p> <p>If the answer is yes, the follow-up question you may want to ask yourself is:</p> <p><em>&quot;Is it worth it?&quot;</em></p> <p>Overly simple? Yes. But it's a practice that many of us forgo all to often.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ge-miller">G.E. Miller</a> of <a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</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/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</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-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/has-cash-become-more-trouble-than-its-worth">Has Cash Become More Trouble Than It&#039;s Worth?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle anxiety fear frugal tips Tue, 14 Sep 2010 12:00:17 +0000 G.E. Miller 235549 at http://www.wisebread.com How to Save Money Buying a New Car and Be Happy http://www.wisebread.com/how-to-save-money-buying-a-new-car-and-be-happy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-save-money-buying-a-new-car-and-be-happy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2211628758_f3aa8c95a3_z.jpg" alt="new car" title="new car" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Though a car could be one of the most enjoyable purchases, many of us are simply fed up with the whole shopping process. It's not that we don't like picking and choosing our favorite color and options, but those sales people...arrgggghhh. In the old days, I would deliberately let the salesperson make a little bit of money by not negotiating as hard as I could because that's the only way I could buy a car and keep my sanity. With the Internet though, things changed. You can actually get the best price available anywhere and still be happy. Talk about having the cake and eating it too. Here's how...</p> <p>(See also: <a href="http://www.wisebread.com/the-game-of-haggling-how-to-get-a-great-deal-on-a-used-car">The game of Haggling: How to Get a Great Deal on a Used Car</a>.)</p> <h3>Forget Edmunds.com...</h3> <p>Edmunds.com is probably the leading website that people tend to reference in articles like these, but I'm telling you that you don't need to go there at all. Sure, the site's got a wealth of information about the car that you want to buy, invoice pricing as well as what others are paying in your area, but that's not nearly good enough. Think about it for a second. What others are paying is just the average of everyone who bought a car in your area. If the buying pool consisted of ten people with five paying invoice and five paying full sticker, the site would show a number between sticker and invoice. Now, did you get a good deal by going with that price? And don't believe that no one pays sticker either. There are tons of people who pay full retail (or close to it) on cars. Another problem with these websites is that they don't keep track of the miscellaneous fees that all car manufacturers tack on, which ultimately means that dealerships can mark them up and make money off you. Unless...</p> <h3>The Real Solution</h3> <p>Next time you buy a car and you want to get a VERY good price, all you have to do is visit the forums. Go to your favorite <a href="http://www.wisebread.com/is-this-the-best-search-engine-ever-for-new-used-cars">search engine</a> and type in your car and the word forum (or message board), and a bunch of sites where enthusiasts meet and chat will pop up in the results. Click through and start reading. You can find all the issues people are having, look at pictures of your favorite car with every option imaginable and also find out all the fees and ways dealers can rip you off. But that's not all. There's a 100% chance that you will not only find invoice pricing for your car and all the options available but the deals other people are getting as well. Quite often, you will even be able to locate a few dealers who can offer you a price that is better than 99% of the ones you can get anywhere else. Armed with this information, you basically have two options: go with the dealer if he's close enough, or print the email and just <a href="http://www.wisebread.com/save-on-your-new-car-send-mom-not-dad-to-the-dealer">go to a dealership</a> that you like and ask them to match the price. Since you already have a solid offer with the exact options you like, all the normal sales tactic like up selling shouldn't work anymore. Either they can match the price, or they cannot. Most of the time, they will go to the manager's office and just match the price you give them, and you are done.</p> <h3>This Takes Work</h3> <p>The process I just described is by no means instantaneous. After all, it takes time to read the message boards and to figure out all the fees and deals that people are getting. But I love it. I actually find that the more I read about people's passion for a car I plan to get, the more I know whether the car is right for me. The more I read, the more I actually understand the options for the car and what is best for my own circumstances, and the more I read, the more I know whether now is the right time to buy the car. No more regrets. No more &quot;Oh I wish I knew about that rim option&quot; and no more &quot;I didn't know you can get a great deal like that!&quot;</p> <h3>It REALLY Saves Me Money</h3> <p>This saves me money in three ways.</p> <ul> <li><strong>The negotiated price.</strong> If no one is getting invoice on that particular model, then there's no point to be upset about not being offered that price. While there's always someone who will get the best price, it won't be just ONE person.<br /> &nbsp;</li> <li><strong>The fees.</strong> If you don't check, you will never know that the price of your car can contain system training fees, bank lease fees, and a money factor that the dealership can mark up. Since some are justified and some needs to be eliminated, how can you make an informed decision if you don't even hear about them until the very end?<br /> &nbsp;</li> <li><strong>Options.</strong> Like everything else, not buying it saves you the most money. Knowing other people's experiences can only help you decide whether, for example, that compass in the rear view mirror is that useful. For some, it might be a &quot;must have&quot;. For others, it might not be worth the $500 it may cost. You decide.</li> </ul> <h3>The Best Part...</h3> <p>Money aside, the best part about spending the time to research is that it builds anticipation so the car will be that much more enjoyable when you actually start being the owner of one. If you want to get the most value, a used car is still the way to go, but if you ever buy new, this is the best way.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/david-ning">David Ning</a> of <a href="http://www.wisebread.com/how-to-save-money-buying-a-new-car-and-be-happy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/should-you-hire-a-broker-to-buy-a-car">Should You Hire a Broker to Buy a Car?</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-times-you-can-score-a-great-deal-on-a-new-car">5 Times You Can Score a Great Deal on a New Car</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-secrets-to-a-higher-car-trade-in-value">8 Secrets to a Higher Car Trade-In Value</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-money-moves-to-make-the-moment-you-decide-to-buy-a-car">6 Money Moves to Make the Moment You Decide to Buy a Car</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/my-car-payments-are-too-much-what-should-i-do">My car payments are too much! What should I do?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation bargains car shopping frugal tips new car save money Wed, 07 Jul 2010 13:00:06 +0000 David Ning 166686 at http://www.wisebread.com 25 Frugal Things I Do, 4 Spendthrift Confessions http://www.wisebread.com/25-frugal-things-i-do-4-spendthrift-confessions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-frugal-things-i-do-4-spendthrift-confessions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/ironing board, money 014.jpg" alt="My Favorite Frugal Habits" title="Cheap Things I Do" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>From time to time, I take inventory of my frugal habits. This review helps fine-tune my money-saving strategies. Here is my latest list of <strong>25 Frugal Things I do</strong>, plus a few spendthrift habits. It's a tradition I've picked up from my friend <a href="http://frugalforlife.blogspot.com/2008/11/updated-25-ways-i-save-money.html">Dawn at Frugal for Life</a>.</p> <p>1. Use mascara, coffee and tea to color my hair.</p> <p>2. Use organic apple cider vinegar as a natural conditioner; I <a href="http://sharonhr.blogspot.com/2009/09/cheap-cleanup-washing-stove-tiles-with.html">clean my kitchen with white vinegar</a>.</p> <p>3. Avoid ordering drinks or beverages in restaurants.</p> <p>4. Bring <a href="http://www.wisebread.com/how-to-brown-bag-it-with-style">my own snacks, water and food </a>to <a href="http://www.wisebread.com/disneyland-on-the-sort-of-cheap ">theme parks.</a></p> <p>5. Have installed a filter on the kitchen sink. Filtered water costs pennies per gallon in my home.</p> <p>6. Use the free gym at work and cancelled the gym membership at a chic gym in South Beach.</p> <p>7. Walk to stores, the post office and other nearby errand stops.</p> <p>8. Purchased a discounted monthly transit pass for the bus and train.</p> <p>9. <a href="http://sharonhr.blogspot.com/2009/03/scanning-for-checkout-errors-grocery.html">Read receipts to find store errors</a> or free coupons on the receipt.</p> <p>10. <a href="http://www.youtube.com/user/PoshFrugalityNetwork#p/a/0/xBbvYE1nKu4">Use olive oil, oranges and tomatoes</a> to condition my skin and hair instead of traditional personal care products.</p> <p>11. Style, braid and cut my own hair.</p> <p>12. Often stay with friends and relatives while on vacation.</p> <p>13. My shopping lists are based on weekly sale promotions and coupons.</p> <p>14. Have re-joined an organic food co-op to get super cheap prices for organic, in-season produce.</p> <p>15. <a href="http://www.youtube.com/user/PoshFrugalityNetwork#p/a/u/2/8NSZ0RArx-s">Make clothing and shoe repairs</a> and <a href="http://www.wisebread.com/cheap-and-easy-repairs-for-wardrobe-malfunctions">other wardrobe fixes</a> with magic markers, staples and tape.</p> <p>16. Stock up on generic or private label products, especially when those items are on sale.</p> <p>17. Recycle cards, gift bags and wrapping paper.</p> <p>18. Use diluted dish soap to wash off fruit.</p> <p>19. Watch Internet-television and have cut the cable&nbsp;TV cord.</p> <p>20. Have cutback on makeup and skincare products (fewer chemicals, lower expenses).</p> <p>21. Purchase&nbsp;99 percent of my shoes, clothing and accessories at end-of-season sales.</p> <p>22. Borrow books, magazines and movies from friends.</p> <p>23. Save the bits of soap and small conditioner containers we use in hotel rooms.</p> <p>24. Drink the free coffee at work.</p> <p>25. Try to avoid shops and malls as much as possible.</p> <p>&nbsp;</p> <h3>4 Secret Spendthrift Confessions</h3> <p>1. I love to eat out.</p> <p>2. Disorganization costs: Late fees &mdash; for videos &amp; bills &mdash; occasionally eat into my budget.</p> <p>3. A local company offers discounted massage therapy services, and I take advantage of this perk as much as possible.</p> <p>4. I don&rsquo;t know how many pairs of shoes are in my closet.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/frugal-duchess">Frugal Duchess</a> of <a href="http://www.wisebread.com/25-frugal-things-i-do-4-spendthrift-confessions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">25 Frugal Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-money-saving-tricks-you-can-learn-from-same-sex-couples">7 Money-Saving Tricks You Can Learn From Same-Sex Couples</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-key-to-frugality-avoid-the-fear-tax">The Key to Frugality: Avoid the Fear Tax</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/could-you-save-money-by-subscribing-to-an-addictive-game">Could you save money by subscribing to an addictive game?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugal tips Tue, 27 Oct 2009 13:00:03 +0000 Frugal Duchess 3757 at http://www.wisebread.com Help End Hunger, Get Kindled, and 3 More Positive Web Tips You Should Know About http://www.wisebread.com/help-end-hunger-get-kindled-and-3-more-positive-web-tips-you-should-know-about <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/help-end-hunger-get-kindled-and-3-more-positive-web-tips-you-should-know-about" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/CHAMPIONprofilebadge.jpg" alt="" title="" class="imagecache imagecache-250w" width="170" height="226" /></a> </div> </div> </div> <p class="MsoNormal">There are days when little bits of good news can help undercut the bad.<span style="">&nbsp; </span>With a recent initiative by Tyson to end hunger, a new super-groovy Kindle-esque iPhone app, and a killer comparison shopping site, there&rsquo;s good stuff out there.<span style="">&nbsp; </span>(You just have to know where to find it!)<o:p></o:p><b style=""><o:p>&nbsp;</o:p></b></p> <p class="MsoNormal"><b style="">The iPhone can now be used as a Kindle (seriously).</b><span style="">&nbsp; </span><span style="">&nbsp;</span>&ndash; The unofficial Apple Weblog verifies that <a href="http://www.tuaw.com/2009/03/04/the-rumors-were-true-you-can-turn-your-iphone-into-a-kindle/">the rumors are true</a>!<span style="">&nbsp; </span>Hooray for those of you who held back from buying the $300+ Kindle (and possibly the 2<sup>nd</sup> generation Kindle 2) but were using an iPhone, anyway.<span style="">&nbsp; </span>I haven&rsquo;t purchased an iPhone yet (I&rsquo;ve been narrowly eeking by <a href="http://www.wisebread.com/6-reasons-i-still-dont-have-a-cellphone-plan-yet">without a phone at all</a>), but this gives me one more reason to upgrade.<span style="">&nbsp; </span>This and the <a href="http://www.pandora.com/">Pandora app</a> will probably seal the deal for me.<span style="">&nbsp; </span>(Not to mention the fact that illustrations in the iPhone app will be displayed in color.<span style="">&nbsp; </span>Very groovy.)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Your pledge can feed 140 kids.<span style="">&nbsp; </span></b><span style="">&nbsp;</span>As part of an impressive initiative by Tyson foods, you can <a href="http://www.pledgetoendhunger.com/">help end hunger</a>.<span style="">&nbsp; </span>Be one of the 1,000 people that <a href="http://www.pledgetoendhunger.com/">pledges</a> to give, share, or volunteer for the cause, and your pledge will guarantee 35 lbs of food will end up on a truck to the Capital Area Food Bank of <st1:state w:st="on">Texas</st1:state> in <st1:place w:st="on"><st1:city w:st="on">Austin</st1:city></st1:place> during the <a href="http://www.sxsw.com/interactive/">SXSW &rsquo;09 Interactive Festival</a>.<span style="">&nbsp; </span>Ways to share (which is all you need to do to help the cause) include:</p> <ul> <li><o:p></o:p><br /> <!--[if !supportLists]--><!--[if !supportLists]--><p><span style=""><span style="font-family: &quot;Times New Roman&quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;"> </span></span></p> <!--[endif]--><!--[endif]--><p>Use the share function on the website.</li> <li>Follow <b style="">@HungerPledge</b> on <a href="http://www.twitter.com/">Twitter</a> for updates and use&nbsp;<b style="">#HungerPledge</b> with your tweets.</li> <li>Write a blog post about <a href="http://www.pledgetoendhunger.com/">Pledge to End Hunger</a>.</li> <li>Email the link to your colleagues, family, &amp; friends.</li> <li>Join the Pledge to End Hunger Facebook cause.</li> <li>Embed the Pledge to End Hunger Tally widget on your website, blog, or MySpace account.<o:p>&nbsp;</o:p></li> </ul> <p class="MsoNormal"><b style="">Plan for the future with a family heirloom.</b><span style="">&nbsp; </span>You hear about it all the time:<span style="">&nbsp; </span>Kids squabbling over who will get the china set when the parents pass away.<span style="">&nbsp; </span>While we can&rsquo;t give advice on the family dynamics that can come about during these difficult times, this <a href="http://www.mainstreet.com/article/family/kids/right-way-gift-family-heirlooms">recent article on Mainstreet.com</a> highlights some tips you should take to ensure that taxes are handled accordingly.<span style="">&nbsp; </span>The best part of the piece isn&rsquo;t the financial details, however.<span style="">&nbsp; </span>It gives creative ideas for passing down heirlooms, even if you don&rsquo;t have a row to hoe.<span style="">&nbsp; </span>(Tomatoes, anyone?)<span style="">&nbsp; </span><o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">There&rsquo;s nothing depressing about this meal.</b><span style="">&nbsp; </span>If you somehow missed <st1:city w:st="on"><st1:place w:st="on">Trent</st1:place></st1:city>&rsquo;s roundup of <a href="http://www.thesimpledollar.com/2009/03/04/depression-cooking/">spectacular Depression-era cooking videos</a> (compliments of a lovely 93-year-old Clara), you must stop what you are doing and check them out!<span style="">&nbsp; </span>Not only are the recipes delicious, they are true to the mission of keeping things simple.<span style="">&nbsp; </span>(It&rsquo;s also motivation for those of us who&rsquo;ve considered video blogging to get up and finally do it.<span style="">&nbsp; </span>This lady is fantastic!)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">All I ever needed to know about growing sprouts, I learned from Jenn Fowler</b>.<span style="">&nbsp; </span>I admit to over-spending on fancy sprout-growing kits.<span style="">&nbsp; </span>(Shame, shame.)<span style="">&nbsp; </span>If you haven&rsquo;t already fallen victim to unnecessary growing gizmos, or you want to redeem yourself with a no-nonsense, super-affordable method to making your own green edible sprouts in your kitchen, you still have time.<span style="">&nbsp; </span><a href="http://frugalupstate.blogspot.com/2009/03/best-of-grow-veggies-in-winter.html">Frugal Upstate&rsquo;s photos and directions</a> are dummy-proof.<span style="">&nbsp; </span>(Plus, they really make me want to eat a veggie sandwich!)<o:p>&nbsp;</o:p></p> <p class="MsoNormal"><b style="">Beat this!<span style="">&nbsp; </span></b>From the makers of the hit website <a href="http://www.retailmenot.com/">RetailMeNot.com</a> (a favorite among many of us, <a href="../../../../../../the-one-site-you-must-visit-before-buying-anything-online-period">including Paul Michael</a>) comes an impressive upgrade to comparison shopping.<span style="">&nbsp; </span>While it&rsquo;s still in the beginning stages, <a href="http://www.beatmyprice.com/">BeatMyPrice.com</a> is a fun and fairly accurate way to find the lowest price for an item online.<span style="">&nbsp; </span>What really caught my eye was the way that it suggests coupon codes for the shopping outlets it provides, and it is slowly building a reader-based price guide for each item. I just tried a search for &ldquo;Salad Spinner&rdquo; and input a link to one on Amazon for $29.99.<span style="">&nbsp; </span>The BeatMyPrice.com tool gave me just one other product to choose from, but it happened to be a Wolfgang Puck stainless steel version for just 10 cents less.<span style="">&nbsp; </span>Bravo!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/help-end-hunger-get-kindled-and-3-more-positive-web-tips-you-should-know-about">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-baking-soda-took-my-bathroom-from-yuck-to-yes">How Baking Soda Took My Bathroom from “Yuck” to Yes!</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/3-cheap-and-easy-formulas-for-homemade-windshield-de-icer-plus-bonus-tips">3 Cheap and Easy Formulas for Homemade Windshield De-Icer (Plus Bonus Tips)</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/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate 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/8-negotiating-skills-everyone-should-master">8 Negotiating Skills Everyone Should Master</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-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Life Hacks General Tips beatmyprice.com frugal tips iPhone kindle life hacks sprouts Thu, 05 Mar 2009 17:56:31 +0000 Linsey Knerl 2896 at http://www.wisebread.com