smart spending http://www.wisebread.com/taxonomy/term/8122/all en-US 11 Things That Are Worth the Money http://www.wisebread.com/11-things-that-are-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-things-that-are-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/three_friends.jpg" alt="Three friends" title="Three friends" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Tough times have made us all a bit more cautious about whipping out our wallets on a whim. When it comes to spending with discretion, it's important to have priorities about things you think are worth the money, and those items or services that are not. Here are 11 things that I think are worth it.</p> <p><a href="http://www.savvysugar.com/Things-Worth-Money-3643170">RELATED:&nbsp;11 Things Not Worth the Money</a></p> <h2>1. Insurance</h2> <p>We need insurance to protect us from paying even more money should the unexpected occur. At the very least, car, homeowners (along with certain incidentals like fire and earthquake), and health insurance are well worth their premiums. However, keep in mind that not all insurance policies are worth the money. Check out these <a href="http://www.savvysugar.com/Insurance-Policies-Arent-Worth-19090574">seven insurance policies you can live without</a>.</p> <h2>2. Culture</h2> <p>Excursions like visiting museums and monuments serve as entertainment and they give you a dose of culture. It's easy to get trapped in your own little world, but observing other people's accomplishments can open your eyes.</p> <h2>3. Going to the Doctor</h2> <p>Your co-pay is nothing compared to the cost of health surprises. Keep your doctor's appointments to avoid future problems and live the healthiest life possible.</p> <p>You can always opt for a Flexible Spending Account where you can use pre-tax dollars to pay for your co-pay for even more savings. Remember, to use up your FSA dollars before the end of the year with <a href="http://www.savvysugar.com/How-Spend-FSA-Money-20735714">these ideas</a>!</p> <h2>4. Education</h2> <p>Consider education an investment in yourself and your career. Taking classes that can improve your sense of industry or make you think differently about the path you've chosen are worth your time and money.</p> <p>Even if you're done with your student days, you can always keep on learning. Take a look at our seven suggestions for <a href="http://www.savvysugar.com/Professional-Development-Budgeting-Classes-11823720">community college courses</a>.</p> <h2>5. A Good Haircut</h2> <p>You don't have to visit the most posh salon in town to get a good haircut, but spending money on a good cut will polish your appearance and you'll save yourself from having to pay even more to get a botched cut fixed.</p> <h2>6. Your Well-Being</h2> <p>You don't necessarily need a gym membership to work out, but if it's the only thing that will get you moving, by all means join a local club. Exercise reduces stress and makes you sharper. And when you're grocery shopping, get your hands on healthy food that will keep your body working the best it can.</p> <p>Here are <a href="http://www.savvysugar.com/How-Increase-My-Happiness-20753887">eight more ways to improve your well-being</a>.</p> <h2>7. Home Maintenance/Repair</h2> <p>Ignoring a problem only makes it worse down the road. When something in your home needs fixing/cleaning/maintenance, do your best to take care of it as soon as possible.</p> <h2>8. A Sharp Interview Outfit</h2> <p>As I always say, your ability to earn an income is your biggest asset. You need a quality interview outfit to make the best impression and make you feel more confident &mdash; two big factors in having a successful interview.</p> <h2>9. Well-Made Shoes</h2> <p>Saving up for a quality pair of classic, well made shoes is a smart move in my book. They'll last for years, especially if you take care of them and get them resoled when needed. Get a pair that goes with everything, and you won't need to shoe shop for quite some time.</p> <h2>10. Travel</h2> <p>Living to work is no way to live at all, so get out and see the places that interest you. There's no price you can put on memories and special experiences, but don't go into debt for the sake of worldly education. Spend and save wisely, and you'll have the means to make your dream trips happen.</p> <p>Remember, there are lots of <a href="http://www.savvysugar.com/Save-Holiday-Travel-19010364">ways to save when planning for your dream trip</a> or you can also take <a href="http://www.savvysugar.com/Cheap-Vacation-Ideas-20531368">mini trips that are close to home</a>.</p> <h2>11. Visiting Family and Friends</h2> <p>Buying plane tickets or filling the gas tank to visit family and friends who live far away is a necessary part of life. Those people are a part of you, and maintaining those relationships is something you can't afford to not do.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Even when you&#039;re cutting back, making room in your budget for these 11 things will help ensure a happy, healthy life. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/savvysugar-300-small.jpg" alt="" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>SavvySugar</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.savvysugar.com/Personal-Finance-Rules-5186064">11 Golden&nbsp;Rules to Live By</a></li> <li><a href="http://www.savvysugar.com/How-Spend-Less-Shopping-2089224">9 Simple Ways to&nbsp;Save and Shop Smart</a></li> <li><a href="http://www.savvysugar.com/How-Lower-Monthly-Expenses-20441848">13 Things That Are Causing Your Bills to Skyrocket</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/11-things-that-are-worth-the-money">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/5-financial-pitfalls-stay-at-home-parents-should-avoid">5 Financial Pitfalls Stay-at-Home Parents Should Avoid</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-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</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/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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-travel-full-time-for-17000-a-year-or-less">How to Travel Full-Time for $17,000 a Year (or Less!)</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/40-cheap-or-free-ways-to-make-the-most-of-the-weekend">40+ Cheap or Free Ways to Make the Most of the Weekend</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting haircut healthcare shoes smart spending worth Wed, 14 Dec 2011 11:24:17 +0000 POPSUGAR Smart Living 825733 at http://www.wisebread.com Women of personal finance spotlight: Donna Freedman from MSN here to answer your questions http://www.wisebread.com/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Donna_headshot4.png" alt="" title="" class="imagecache imagecache-250w" width="80" height="80" /></a> </div> </div> </div> <p>For this entire week (9/15-9/21), Donna Freedman from <a href="http://blogs.moneycentral.msn.com/smartspending/">MSN&#39;s Smart Spending blog</a> will be <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">answering questions in our forums</a> about personal finance, frugal living, and her writing career.</p> <p>Donna and her partner in crime Karen Datko have done a great job reaching out to the personal finance blogging community.  They are constantly scouring the web for great material and they are always generous about linking out to smaller bloggers.  </p> <p>If you are are a new blogger looking for exposure, you should definitely <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">drop by the forum and tell Donna about your blog</a>. </p> <p> This interview is part of Wise Bread&#39;s spotlight on the <a href="/the-complete-list-of-personal-finance-blogs-by-women">Women of Personal Finance</a>.  At the end of the interview period we&#39;ll publish the best questions and answers from the forum interview and post them on the homepage.   If your question gets picked we&#39;ll include a link back to your blog.  </p> <p><strong>About Smart Spending</strong></p> <p><strong>Blog</strong>: <a href="http://blogs.moneycentral.msn.com/smartspending/">Smart Spending</a> </p> <p><strong>Blogger</strong>:  <a href="http://blogs.moneycentral.msn.com/smartspending/archive/tags/Donna+Freedman/default.aspx">Donna Freedman</a> &amp; <a href="http://blogs.moneycentral.msn.com/smartspending/archive/tags/Karen+Datko/default.aspx">Karen Datko</a> </p> <p><strong>Subscribe</strong>:  <a href="http://blogs.moneycentral.msn.com/SmartSpending/rss.aspx">RSS</a> </p> <p>Donna spent 17 years as a feature writer at the <em>Anchorage Daily News</em> in Anchorage, Alaska.  She is a full-time student at the University of Washington, where she is a Mary Gates Scholar majoring in the Comparative History of Ideas.  Her writing, reviews and research have appeared in many publications, including <em>McCalls, The New York Times Review of Books, Parade, The Philadelphia Inquirer, Premiere, 3-2-1 Contact, Time Magazine for Kids</em>, and <em>The Writer</em>.  Donna is the winner of the 2007 <a href="http://www.womcom.org/awards/Clarion2008.asp#OnlineMedia">Clarion Award</a> from the Association of Women in Communications. </p> <p>Check out some of her most popular posts:</p> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2007/12/14/see-a-penny-pick-it-up.aspx">See a penny?  Pick it up!</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/11/your-new-frugality-tool-the-kitchen-timer.aspx">Your frugality tool: the kitchen timer</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/10/breakfast-on-the-fly-and-on-the-cheap.aspx">Breakfast on the fly, and on the cheap</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/09/03/do-our-jobs-define-us-some-thoughts-on-labor.aspx">Do our jobs define us? Some thoughts on labor</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/27/doing-without-in-your-20s-by-choice.aspx">Doing without in your 20s -- by choice</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/18/6-reasons-why-i-love-cash.aspx">6 reasons I love cash</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/22/make-your-own-hot-flash-spray-and-other-frugal-hacks.aspx">Make your own hot-flash spray, and other frugal hacks</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/07/frugal-overspending-is-still-overspending.aspx">Frugal overspending is still overspending</a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/08/06/thinking-outside-the-supermarket.aspx">Thinking outside the supermarket <br /></a></li> </ul> <ul> <li><a href="http://blogs.moneycentral.msn.com/smartspending/archive/2008/07/25/the-thrill-of-the-hunt-shopping-secondhand-stores.aspx">The thrill of the hunt: Shopping secondhand stores</a> </li> </ul> <p>Grab a cup of java and <a href="/forums/bloggers-corner/ask-donna-msn-question-women-personal-finance-spotlight-3291.html">join our chat with Donna</a> in the forum today!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/women-of-personal-finance-spotlight-donna-freedman-from-msn-here-to-answer-your-questions">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/women-of-personal-finance-spotlight-the-frugal-duchess-here-to-answer-your-questions">Women of personal finance spotlight: The Frugal Duchess here to answer your questions</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/women-of-personal-finance-spotlight-millionaire-mommy-next-door-here-to-answer-your-questions">Women of personal finance spotlight: Millionaire Mommy Next Door here to answer your questions</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/women-of-personal-finance-spotlight-the-digerati-life-here-to-answer-your-questions">Women of personal finance spotlight: The Digerati Life here to answer your questions</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/women-of-personal-finance-spotlight-allese-thomson-from-wesabe-here-to-answer-your-questions">Women of personal finance spotlight: Allese Thomson from Wesabe here to answer your questions</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/interview-with-silicon-valley-blogger-of-the-digerati-life">Interview with Silicon Valley Blogger of The Digerati Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance donna freedman msn personal finance for women smart spending women of personal finance Mon, 15 Sep 2008 10:00:47 +0000 Lynn Truong 2427 at http://www.wisebread.com