Technology http://www.wisebread.com/taxonomy/term/8130/all en-US 9 Ways Siri Can Be Your Personal Finance Assistant http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-siri-can-be-your-personal-finance-assistant" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_phone_city_64632093.jpg" alt="Man finding ways Siri can be his personal finance assistant" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We're still a few years away from having personal robot assistants, but voice-activated applications on most modern smartphones are already making our lives easier. Apps like Apple's Siri or Microsoft's Cortana can be helpful in a number of ways, and are particularly useful as personal finance helpers.</p> <p>I personally use Siri a lot to help me <a href="http://www.wisebread.com/the-personal-finance-letter-id-write-to-my-younger-self" target="_blank">stay on track with my finances</a>, and I am always surprised at how much the app can help me get information without the need to even type or search the web myself.</p> <p>Siri won't make you rich, but it can help you be smarter about your finances without a lot of work. Check out these personal finance tasks that Siri and similar apps can help you with.</p> <h2>1. Check Stocks</h2> <p>It's easy to use Siri to track the performance of your investments or the overall stock market. Just say, &quot;I need the stock price for Apple,&quot; and Siri will tell you the price and the daily movement. It's also an easy way to check on the ticker symbol.</p> <h2>2. Helping You Calculate the Best Bargain</h2> <p>Quick, what's a better deal? Three 20-ounce cans of juice for $6, or four 24-ounce cans for $9? To find out, you'll need to calculate prices on a per-ounce basis. Asking Siri to perform some simple math will help you learn that the second deal is a little bit better.</p> <h2>3. Driving Directions</h2> <p>Yes, accurate driving directions can help you with your finances. That's because you can plan trips to ensure the shortest route, thus saving you gas. You can also find routes to avoid tolls and bad traffic.</p> <h2>4. Finding the Nearest ATM</h2> <p>You need cash right away, but you'd rather not go to the first ATM you see, because it may not be tied to your bank. To avoid a fee, you can ask Siri to find you the nearest branch of your bank or a surcharge-free ATM.</p> <h2>5. Research Food Ingredients</h2> <p>When you're at the grocery store, you may come across products that like to tout certain ingredients, and you sometimes pay a premium for them. (&quot;Sweetened with agave nectar!&quot;) Before you buy, you may want to do a little bit of research on what these ingredients are and whether they are worth paying extra for. Siri and similar apps can help you with this.</p> <h2>6. Set Reminders</h2> <p>You never want to be late paying your bills, and you don't want to be charged for missing things like doctor's appointments. You can use Siri to remind you of important things. All you need to do is tell Siri what you want to be reminded about, and when. (&quot;Remind me to finish this article for Wise Bread at 10 p.m.&quot;) There's even location-based reminders, like &quot;Remember to mail the mortgage check when you are near the post office.&quot; You can also use Siri to adjust or create to-do lists on your phone.</p> <h2>7. Figure Out Tips</h2> <p>What's 18% of $43.95? And how can you split that four ways? Siri can help you. Siri will even know local taxes, to help you calculate checks before they even come.</p> <h2>8. Find Out How Much Things Cost</h2> <p>Using Siri, you can look up pricing information for a wide range of products. If you simply ask &quot;Find me prices for a Toyota Corolla,&quot; it will provide you MSRP and invoice prices, plus other related charges, and even shows a chart with historical price information. It's still not easy to do true comparison shopping, but you'll learn enough to know if a particular store is trying to rip you off.</p> <h2>9. Find Budgeting Apps</h2> <p>If you need some extra personal finance help from your smartphone, Siri can help you find it. A simple query like, &quot;Find me some budgeting apps,&quot; will give you a list of saving and money management apps from the app store.</p> <p><em>How do you use Siri or Cortana or Google Now to help you stay on top of your finances?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">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/could-the-chromebook-crush-windows">Could the Chromebook Crush Windows?</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-money-moves-to-make-the-moment-you-get-a-promotion">8 Money Moves to Make the Moment You Get a Promotion</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/12-easy-ways-to-wake-up-richer-tomorrow-than-you-are-today">12 Easy Ways to Wake Up Richer Tomorrow Than You Are Today</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/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-innovative-but-obscure-sites-that-put-money-in-your-pocket">10 Innovative But Obscure Sites That Put Money In Your Pocket</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apple Cortana Google investing Microsoft saving Siri smartphone tools Fri, 26 Aug 2016 10:30:15 +0000 Tim Lemke 1778728 at http://www.wisebread.com Turn Old Clothes Into Money With These 4 Tools and Apps http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/turn-old-clothes-into-money-with-these-4-tools-and-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_43524688_MEDIUM.jpg" alt="use these apps to get money for old clothes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A great way to make extra side cash is to clean out your closet and sell clothes you no longer wear. Not only will you make a few bucks, but you will also benefit from decluttering.</p> <p>Getting top dollar for your used clothing can be tricky, especially if you try to sell your clothes at a yard sale or through a Facebook selling group. Instead, try these top sites and apps to make more on your old threads.</p> <h2>1. eBay</h2> <p>Let's start with the most obvious: eBay. It can be a hit or miss for selling clothing. I have listed several higher-end brand name items, such as a rare pair of True Religion jeans, but felt like they did not sell as well as they could have. However, other brands have sold better than I expected. I listed an Old Navy peacoat last winter with the assumption that anything is better than selling it for $2 at a garage sale. The coat sold for almost $40, which was more than I originally paid.</p> <p>So check the recent selling prices for clothing like yours. You can do this by dropping your item into the search box, clicking &quot;advanced,&quot; and then check sold listing and hit &quot;search&quot; again. This will allow you to see every similar item that sold in the past 30 days and give you a better idea of how much you can make on your item.</p> <h2>2. Poshmark</h2> <p>Business Insider shared a story of one <a href="http://www.businessinsider.com/how-a-mom-earned-500000-on-poshmark-2015-11">mom who made $50,000</a> from selling clothes on <a href="https://poshmark.com/what_is_poshmark">Poshmark</a> last year. With PoshMark, you get to set your prices, and listing is as easy as listing on eBay. However, unlike eBay, shoppers prefer better quality photo listings. However, don't let your photo skills keep you from trying the app out.</p> <h2>3. Tradesy</h2> <p><a href="https://www.tradesy.com/">Tradesy</a> is another easy-to-use site that allows you to set your price points for clothes. The site also makes shipping items simple, since the company sends you free shipping boxes and prepaid labels.</p> <p>Tradesy charges a 9% commission and a 2.9% fee if you transfer your earnings to PayPal. And if a buyer decides to return an item, Tradesy will accept the return and allow you to keep your earnings.</p> <p>See also: <a href="http://www.wisebread.com/make-money-and-declutter-by-selling-these-5-unlikely-treasures?ref=seealso">Make Money and Declutter by Selling These 5 Unlikely Treasures</a></p> <h2>4. ThredUp</h2> <p>Don't feel like listing each of your clothing items for sale? No problem. <a href="https://www.thredup.com/">ThredUp</a> allows you to cash in on your clothing with as little effort as possible. All you have to do is sign up for an account and request a free bag from the site. Once your bag arrives, fill it with acceptable items and then seal it. Attached to the bag is a prepaid shipping label, so you can drop it off at the post office or request an at-home pick up.</p> <p>ThredUp is extremely convenient and fast to use, but with that convenience comes a couple minor drawbacks. For example, your items will probably not get you as much as you hoped for. You can request your unaccepted items back, but this will cost $9.99 and it must be selected before you order your bag. It also takes a few weeks for the ThredUp team to process the bags they've received, so you won't get a payout immediately. Still, it's better than having the clothes collect dust in your closet, right?</p> <p><em>Where do you sell your used clothes when you are done with them? Share with us</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps">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-easiest-items-to-flip-for-cash">10 Easiest Items to &quot;Flip&quot; for Cash</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-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</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/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</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/prizes-and-freebies-from-coupsmart-for-the-iphone">Prizes and Freebies from CoupSmart for the iPhone</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">9 Ways Siri Can Be Your Personal Finance Assistant</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology apps clean out closet closet clutter clothes declutter sell your clothes sell your stuff technology tools Mon, 22 Aug 2016 10:30:14 +0000 Ashley Eneriz 1775889 at http://www.wisebread.com The 5 Best Gaming Mice http://www.wisebread.com/the-5-best-gaming-mice <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-gaming-mice" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/21039103.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The right gaming mouse can help you dominate any game by offering faster response times, higher sensitivity, and peak efficiency. However, they can be very expensive, often costing hundreds of dollars. That&rsquo;s why we&rsquo;ve found some of the best ones available; in order to help you unleash your best gamer, without breaking the bank.</p> <h2>What Is a Gaming Mouse?</h2> <p>A gaming mouse is a desktop mouse with additional programmable buttons, macros, software, and features that are suited to computer gaming. You&rsquo;ll want something that can last and that you can comfortably use for hours, in the event of a tournament. A gaming mouse is typically used for gaming, but it can actually help you get work done more efficiently as well. (See also: <a href="http://www.wisebread.com/the-5-best-computer-mice?ref=seealso">The 5 Best Computer Mice</a> and <a href="http://www.wisebread.com/the-5-best-bluetooth-mice?ref=seealso">The 5 Best Bluetooth Mice</a>)</p> <h2>Top 5 Gaming Mice</h2> <h3>Razer DeathAdder Chroma Ergonomic Gaming Mouse</h3> <p><a href="http://amzn.to/2b5kYrc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/razer.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5kYrc">Razer DeathAdder Chroma Multi-Color Ergonomic Gaming Mouse</a> is Amazon&rsquo;s #1 best-seller in Mac gaming mice and is Amazon&rsquo;s Choice for gaming mice. This works right out of the box, so you won&rsquo;t need to worry about installing software or setting up an internet connection. It has ultra-accurate precision, 10,000 DPI optical sensors, and advanced tracking analytics. It offers stats and automatically generated heatmaps to track all of your clicks and movements.</p> <p>It has an ergonomic design with textured rubber side grips and is very lightweight, allowing for smooth movement. It works well for right-handed, left-handed, and ambidextrous players, and is the ideal shape for palm or claw grips. It has five independently programmable Hyperesponse buttons and on-the-fly sensitivity adjustment. It cycles through the entire spectrum of 16.8 million customizable color options and gently pulses in the colors of your choosing every seven seconds.</p> <p>This mouse has more than 1,300 five-star reviews on Amazon and is recommended by professional gamers and top eSports athletes around the world. It is also recommended by PCWorld and TechRadar, is the top pick on The Wirecutter, was selected as the Best Gaming Mouse by PC Gamer, and won PCMag&rsquo;s 10 Best Gaming Mice of 2016.</p> <p><a href="http://amzn.to/2b5kYrc"><em>Currently $53.99 on Amazon</em></a></p> <h3>Logitech Wireless Gaming Mouse</h3> <p><a href="http://amzn.to/2b5lVzS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/logitech.jpg" width="158" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5lVzS">Logitech G602 Wireless Gaming Mouse with 250-Hour Battery Life</a> is part of Amazon&rsquo;s electronics gift guide and an Amazon best-seller. The full-speed, lag-free wireless mouse has 11 programmable buttons, for single actions or intricate macros. The high-quality mouse has textured grips on both sides and six thumb buttons. It features power-saving, high-accuracy Delta Zero sensor technology, a high-definition optical sensor, adjustable 2500 dpi maximum resolution, and accurate cursor control. It offers up to 250 hours of battery life in Performance mode or 1440 hours in Endurance mode. There is also a battery life indicator, so you can always change it with plenty of time. This works with Windows 10, Windows 8, Windows 7, Windows Vista, and Mac OS X 10.6.8 or higher.</p> <p>This beloved mouse has more than 1,000 five-star reviews on Amazon and is recommended by professional gamers. Logitech offers a number of renowned gaming mice, so you&rsquo;re sure to be happy with any of them. The Wirecutter also recommends the <a href="http://amzn.to/2b5m1at">Logitech G502 Proteus Spectrum RGB Tunable Gaming Mouse</a>.</p> <p><a href="http://amzn.to/2b5lVzS"><em>Currently $54.98 on Amazon</em></a></p> <h3>Corsair Vengeance Performance FPS Gaming Mouse</h3> <p><a href="http://amzn.to/2b4JqvT"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/corsair.jpg" width="162" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b4JqvT">Corsair Vengeance M65 Performance FPS Gaming Mouse</a> features an 8200 DPI laser sensor, eight programmable buttons, a dedicated sniper button, and an adjustable weight system. It also features a selectable response time, precise tracking, and advanced customization and control. The low-mass aluminum unibody design is ergonomic, lightweight, and features soft-touch materials, a high-mass scroll wheel, and PTFE glide pads.</p> <p>The durable mouse is backed by a two-year warranty for your peace of mind. It is recommended by PCMag and TechRadar, and won Tom&rsquo;s Guide&rsquo;s list of &ldquo;Best Gaming Mice of 2016.&rdquo;</p> <p><a href="http://amzn.to/2b4JqvT"><em>Currently $93.94 on Amazon</em></a></p> <h3>Redragon DPI Gaming Mouse for PC</h3> <p><a href="http://amzn.to/2bxefqS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/redragon.jpg" width="220" height="189" align="right" alt="" /></a>Don&rsquo;t let the ultra-affordable price of the <a href="http://amzn.to/2bxefqS">Redragon M601 CENTROPHORUS-2000 DPI Gaming Mouse</a> fool you; this is an outstanding value and won&rsquo;t feel like a &ldquo;cheap&rdquo; mouse. It has a 2000 DPI sensor, six optimized buttons, two programmable side buttons, and an eight-piece weight tuning set. The high-quality PC mouse features a contoured body and has a high-strength braided fiber wire, antiskid scroll wheel, durable smooth TEFLON feet pads, and red backlighting. It supports Windows 10, 8, 7, Vista, XP or later operating systems.</p> <p>This is an Amazon best-seller and has outstanding online reviews, including more than 2,200 five-star reviews on Amazon. If this one isn&rsquo;t right for you, consider the <a href="http://amzn.to/2bq63ga">Redragon M901 PERDITION 16400 DPI High-Precision Programmable Laser Gaming Mouse</a>.</p> <p><a href="http://amzn.to/2bxefqS"><em>Currently $13.99 on Amazon</em></a></p> <h3>Mad Catz R.A. T. TE Tournament Edition Gaming Mouse</h3> <p><a href="http://amzn.to/2b5mg5v"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mad%20catz.jpg" width="189" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5mg5v">Mad Catz R.A. T. TE Tournament Edition Gaming Mouse for PC and Mac</a> is one of the lightest gaming mice you can find. The lightweight ergonomic mouse features a translucent chassis and agile baseplate, quiet PTFE feet, and can adapt to your hand size and grip technique. The Laser Doppler sensor has four user-definable DPI settings range from 100 to 8200. It also has high-speed motion detection, adjustable liftoff height, and quick reaction times. The precise gaming mouse features nine programmable buttons over three modes, oversized precision aim button, cutting-edge features, cursor sensitivity adjustment, and enhanced sensor tracking.</p> <p>This comes in a range of colors to meet your preferences. It is a PC Gamer Editor&rsquo;s Choice Winner because they found it the best choice for the serious twitch-gamer. If money is no object and you only want the best, consider the <a href="http://amzn.to/2bq7cEs">Mad Catz R.A.T. PRO X Ultimate Gaming Mouse with PixArt ADNS-9800 Laser Sensor Module for PC</a>.</p> <p><a href="http://amzn.to/2b5mg5v"><em>Currently $43.99 on Amazon</em></a></p> <p>And those are our recommendations for the best gaming mice. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-gaming-mice">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-digital-food-scales">The 5 Best Digital Food Scales</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-5-best-smart-scales">The 5 Best Smart Scales</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-5-best-mountain-bikes">The 5 Best Mountain Bikes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-robotic-mops">The 5 Best Robotic Mops</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-womens-cross-training-shoes">The 5 Best Women&#039;s Cross Training Shoes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Shopping Technology 5 best gamer gaming mouse product reviews shopping tech gadgets Fri, 19 Aug 2016 09:30:39 +0000 Andrea Cannon 1775200 at http://www.wisebread.com With Micro-Investing, Your Smartphone Pays YOU http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/with-micro-investing-your-smartphone-pays-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_phone_93826397.jpg" alt="Woman using micro-investing and getting her phone to pay her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Approximately two-thirds of Millennials do not have any money invested in the stock market due to concerns about risk, putting them at a distinct disadvantage when it comes to retirement. Without regular returns and compound interest, young professionals will need to sock away a much larger amount of <a href="http://www.wisebread.com/are-you-making-the-biggest-investment-risk-of-all">money to retire</a>.</p> <p>But new, micro-investing apps can help Millennials dip their toes into the stock market. Because the invested amounts are small, and the apps make investing accessible, young adults are more likely to start contributing money and earning returns.</p> <h2>What Is Micro-Investing?</h2> <p>Micro-investing, where users invest tiny amounts of money on a regular basis, allows people to start investing with relatively small sums. Some brokerages have investment minimums as high as $1,000; for those just starting out or battling debt, coming up with that first $1,000 can be overwhelming.</p> <p>With micro-investing, your account is linked to your debit card or bank account. Every time you make a purchase, such as your morning coffee, the apps round up the purchase and the difference is invested in stocks. While the amounts are negligible and you are likely not even going to notice the withdrawals from your account, small investments build over time and help you develop the habit of saving and investing.</p> <p>These innovative apps and platforms make investing simple and easy to do, even if you are new to financial management.</p> <h2>Acorns</h2> <p><a href="http://track.linkoffers.net/a.aspx?foid=26166697&amp;fot=9999&amp;foc=1">Acorns</a>' name is derived from the saying &quot;From little acorns mighty oaks grow.&quot; Its goal is to empower people to build a large nest egg from small, regular investments. The app links to any credit card or debit card. When you make a purchase, the app rounds up and deposits your change into a portfolio of exchange-traded funds (ETFs). There are different portfolios available depending on your risk tolerance, from conservative to aggressive. If you do not know where to begin, Acorns also provides recommendations based on your age and target retirement date. There are no minimum account balances or commission fees, but there is a monthly cost of $1 and a management fee of 0.5%.</p> <h2>Robin Hood</h2> <p><a href="https://www.robinhood.com/">Robin Hood</a> is one of the few apps that offers zero-commission stock trading. It features a simple and intuitive design and allows you to connect to your bank account and make recurring deposits. You can shop for specific stocks or sell shares directly from your phone. Each day, the menu will show you how much you have earned on the market. Once you are ready to withdrawal money, the funds are easily transferred to your bank with the touch of a button.</p> <h2>Stash</h2> <p><a href="https://www.stashinvest.com/">Stash</a> is one of the newest apps on the market. Their motto is if you have $5, two minutes, and a phone, you can be an investor. It is a tool that allows you to buy fractional shares, rather than having to pay the entire amount for a single share yourself. You can pick investments based on what is <a href="http://www.wisebread.com/a-simple-guide-to-socially-responsible-investing">important to you</a>, such as clean energy or fair trade. Stash is free for the first three months, then charges $1 a month with no commissions.</p> <p>For Millennials spooked by the stock market and traditional stock market investments, micro-investing apps can be a useful tool to help them test the waters and get used to regular investing. These apps enable users to start investing with just small amounts, eliminating one of the main barriers to entering the stock market. With regular contributions and patience, over time, these small amounts can grow to substantial amounts of money.</p> <p><em>Are you a micro or macro investor?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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-money-moves-to-make-before-you-start-investing">8 Money Moves to Make Before You Start Investing</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/are-you-making-the-biggest-investment-risk-of-all">Are You Making the Biggest Investment Risk of All?</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-ways-technology-makes-personal-finances-easier">3 Ways Technology Makes Personal Finances Easier</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-too-much-investment-diversity-can-cost-you">How Too Much Investment Diversity Can Cost You</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-money-moves-to-make-as-soon-as-you-conquer-debt">7 Money Moves to Make as Soon as You Conquer Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Technology fractional shares micro-investing millennials retirement savings rounding up spare change stock market Mon, 15 Aug 2016 10:00:07 +0000 Kat Tretina 1771547 at http://www.wisebread.com 9 High-Paying Jobs That Didn't Exist 10 Years Ago http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-high-paying-jobs-that-didnt-exist-10-years-ago" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_90052683_MEDIUM.jpg" alt="technology has created some great high-paying jobs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is your 9-to-5 job suffocating you? Tired of working a low-paying, high stress job? Have you been watching in horror as your industry slowly dies around you? Now might be the time to replace your dead-end job with a shiny, new, and potentially lucrative career.</p> <p>While you can certainly dive into a traditional career (doctor, lawyer, teacher), why not check out a newer job prospect? Over the last decade, advances in technology, changes in government policy, and shifts in social norms have gradually led to the birth of new careers. Here are nine jobs that didn't exist 10 years ago. (See also: <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead?ref=seealso">Escape Your Dying Industry With One of These 8 Careers, Instead</a>)</p> <h2>1. App Developer</h2> <p>In 2008, software developers created&nbsp;<a href="http://www.statista.com/statistics/263795/number-of-available-apps-in-the-apple-app-store/">800 applications for the Apple app store</a>. In less than 10 years, the number of apps available on the Apple App store has ballooned to 2,000,000. The popularity of applications created the need for a new specialization within the software development community: the app developer. App developers are responsible for developing, creating, and modifying the application software. In May of 2015, the Bureau of Labor Statistics (BLS) estimated that there were&nbsp;<a href="http://www.bls.gov/oes/current/oes151132.htm">747,730 app developer jobs</a>. And the mean hourly wage for the position is $49.12.</p> <h2>2. Data Scientist</h2> <p>Businesses utilize free store Wi-Fi and cameras to track customer movements, information received from credit card purchases, and mobile payments to delve into <a href="http://onlinemasters.ohio.edu/how-your-data-is-being-used/">customer behavior and patterns</a>. Information gained from the data can help businesses determine what to stock, how often to send out coupons, what to set the price to, and how product placement will influence customers. Data scientists are the people that collect data from individual sources, analyze the data for patterns, and make recommendations based on that data to managers and executives.</p> <p>Data scientists make a <a href="http://www.payscale.com/research/US/Job=Data_Scientist,_IT/Salary">median salary of $91,146</a>. And individuals who aren't lucky enough to make the median salary make at least $63,000 a year.</p> <h2>3. Ebook Editor</h2> <p>In 2007, the first major e-reading devices hit the shelves. For the first time, readers could have an entire library of books at their fingertips anywhere they went. The creation of ebooks not only changed how people could read, but it also made it easier for writers to self-publish their work. Amazon's Direct Publishing program, for example, will publish an author's work for free and provide royalties based on how many people purchase the book.</p> <p>The increase in writers self-publishing led to a new career and freelance opportunity: ebook formatting and editing. Formatters set up the backend HTML of the ebooks to ensure that the author has a professional ebook as they go through the publication process. Professionals within this field tend to charge anywhere from $50 to $200 dollars per book.</p> <h2>4. Geriatric Care Managers</h2> <p>Over the last decade, a large number of the United States population have reached the stage where they can no longer live entirely alone without help. This has left a large number of families with the difficult task of ensuring that their elderly loved ones have all the care that they need. The job entails analyzing what type of care and services are required, making a care plan, dealing with the technical details of setting up required services, and continuing to monitor the quality of the current care plan provided.</p> <p>This profession requires at least a Bachelor's degree in a field related to care management (nursing, mental health, counseling, etc.). Once you have the degree, you can become&nbsp;<a href="http://www.aginglifecare.org/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct.aspx">certified in care management</a>. According to PayScale, the median salary for&nbsp;<a href="http://www.payscale.com/research/US/Job=Geriatric_Care_Manager/Salary">geriatric care managers</a> is $47,693.</p> <h2>5. Genetic Counselor</h2> <p>Health care has gradually moved toward a patient-centered care format. In a nutshell, this focus tries to foresee, prevent, and manage illnesses to prevent costly hospitalization. Genetic counselors are a new addition to the health care field in the wake of this industry philosophy change. They dive into an individual's personal history to assess the potential for genetic disorders or birth defects in future offspring, as well as the development of genetic diseases in adults.</p> <p>The job requires a Master's degree in genetic counseling or genetics. According to the BLS, genetic counselors can&nbsp;<a href="http://www.bls.gov/ooh/healthcare/genetic-counselors.htm">make up to $72,090</a>. The current pool of available jobs as of 2014 was only 2,400, but the career is prospected to grow by 29% by 2024.</p> <h2>6. Information Security Analyst</h2> <p>Implementing good cyber security plans is a vital aspect of any business plan. The Internet has made the potential for cyber criminals to steal vital business or patient information incredibly high. Information security analysts protect companies from cyber threats by conducting security threat assessments, planning how to protect the company from threats, and implementing the new security measures to protect the company's network.</p> <p>The median salary, according to the BLS,&nbsp;<a href="http://www.bls.gov/ooh/computer-and-information-technology/information-security-analysts.htm">as of 2015 was $90,120</a>. There are currently 82,900 information security analyst jobs. That number is projected to grow 18% by 2024.</p> <h2>7. Medical Records and Health Informatics Technician (HIT)</h2> <p>Technology has radically changed the health care field in the last few years. One of the major changes is the implementation of electronic health records to track patient care and patient history to improve the quality and safety of care.</p> <p>Health informatics professionals are the people who plan, implement, and maintain EHR systems. On top of their <a href="http://healthinformatics.uic.edu/resources/infographics/the-intersection-of-healthcare-and-it/">EHR duties</a>, professionals often deal with billing, create multimedia projects to educate patients, securely exchange electronic health information between care providers, and research health care trends.</p> <p>According to the BLS, median pay for&nbsp;<a href="http://www.bls.gov/ooh/healthcare/medical-records-and-health-information-technicians.htm">HIT professionals</a> is $37,110. As of 2014, there were 188,600 jobs. There is expected to be a 15% growth which will result in 29,000 more jobs by 2024.</p> <h2>8. Social Media Specialist</h2> <p>The major social media platforms like Facebook and Twitter hit the scene in the early 2000s. As more people started using them, businesses began to realize that they could be an easy way to connect with the public. Thus, the need for social media specialists were born.</p> <p>Social media specialists are responsible for maintaining all of a company's social media platforms, interacting with potential customers online, crafting a social media strategy to attract more customers or clients, and analyzing social media data metrics. According to PayScale, median <a href="http://www.payscale.com/research/US/Job=Social_Media_Specialist/Salary">salary for social media specialists</a> is $40,821.</p> <h2>9. YouTubers</h2> <p>YouTube was founded in 2005. But It wasn't until the last 10 years that individuals with YouTube channels started making their video creation efforts a profitable endeavor.</p> <p>There are various strategies that YouTubers utilize to monetize their videos. YouTube allows video creators to monetize their videos with ads, or engage in affiliate marketing with companies within the video. Individual gets paid when viewers sign up for the product or make a purchase.</p> <p><em>What other jobs didn't exist 10 years ago? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</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-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</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/15-great-jobs-that-dont-pay-much">15 Great Jobs That Don&#039;t Pay Much</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-easy-ways-to-improve-your-online-reputation">6 Easy Ways to Improve Your Online Reputation</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Technology high-paying jobs job search jobs modern jobs modern technology salary side job social media Mon, 15 Aug 2016 09:00:08 +0000 Samantha Stauf 1770723 at http://www.wisebread.com Best Money Tips: Save Your Phone's Battery By Doing These Things http://www.wisebread.com/best-money-tips-save-your-phones-battery-by-doing-these-things <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-your-phones-battery-by-doing-these-things" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_battery_75896303.jpg" alt="Woman saving her phone&#039;s battery by doing these things" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on ways to save your phone battery, dorm room essentials for the dollar store, and simple tricks for saving money at Target.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.shebudgets.com/home-organizing/tips-hacks/simple-tips-save-iphone-battery-charging-isnt-possibility/70723">Simple Tips to Save Your iPhone Battery When Charging Isn&rsquo;t A Possibility</a> &mdash; Turn on lower power mode. When your battery is down to about 20%, this setting kicks in and temporarily turns off many of the apps and functions that use up the most power. [SheBudgets]</p> <p><a href="http://www.cheapism.com/blog/dollar-store-dorm-room-essentials-14204/">20 Dorm Room Essentials From the Dollar Store</a> &mdash; It can be frustrating when you need to open canned food but you don't have a can opening, so come prepared! Most dollar stores have basic manual can openers for $1-$3. [Cheapism]</p> <p><a href="http://bargainbabe.com/two-simple-tricks-saving-money-at-target/">Two Simple Tricks for Saving Money at Target</a> &mdash; Need something from Target? Order it online and choose store pickup. You'll be able to get in, get out with your stuff, and avoid $50s worth of impulse purchases. [Bargain Babe]</p> <p><a href="http://www.5dollardinners.com/pantry-staple-penny/">12 Pantry Staple Ingredients Every Penny Pincher Should Stock Up On</a> &mdash; Canned tomatoes and tomato sauce and paste are extremely versatile, high in nutrients, and will help stretch any budget. [$5 Dinners]</p> <p><a href="http://www.popsugar.com/smart-living/Benefits-Volunteering-Co-Workers-41560142">The 1 Thing You Should Be Doing With Your Co-Workers but Probably Aren't</a> &mdash; A team outing to volunteer can bring co-workers together and allow them to spend productive time that isn't work-driven. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cashthechecks.com/4-ways-millennials-can-start-building-future/">4 Ways Millennials Can Start Building Their Future</a> &mdash; Learn a second language! Knowing another language will set you apart from other candidates for a new job or position. [Cash The Checks]</p> <p><a href="http://www.cashthechecks.com/4-ways-millennials-can-start-building-future/">5 Questions to Ask Yourself Before Moving Out on Your Own</a> &mdash; Will you be able to furnish your new place? If you don't already have furniture, check out thrift stores and selling apps for cheaper options. [Money Mini Blog]</p> <p><a href="http://everythingfinanceblog.com/18074/use-debt-to-your-advantage.html">How to Strategically Use Debt to Your Advantage</a> &mdash; Not all debt is bad, especially if it can help you further your education and career. [Everything Finance]</p> <p><a href="http://moneyqanda.com/tech-addiction-dangerous-to-your-wallet/">How Tech Addiction Can Be Dangerous for Your Wallet</a> &mdash; Watching videos can eat up your data plan and make you vulnerable to overage charges. [Money Q&amp;A]</p> <p><a href="http://parentingsquad.com/6-ways-to-help-your-child-deal-with-back-to-school-anxiety">6 Ways to Help Your Child Deal With Back-to-School Anxiety</a> &mdash; If your child is anxious about going back to school, talk to them about it. You need to know what is bothering them before you can address the problem. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-save-your-phones-battery-by-doing-these-things">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">9 Ways Siri Can Be Your Personal Finance Assistant</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/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</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/turn-old-clothes-into-money-with-these-4-tools-and-apps">Turn Old Clothes Into Money With These 4 Tools and Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays YOU</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-gaming-mice">The 5 Best Gaming Mice</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips phone batter Thu, 11 Aug 2016 10:00:04 +0000 Amy Lu 1769869 at http://www.wisebread.com 6 Surprising Things You Still Can't Do Online in 2016 http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-surprising-things-you-still-cant-do-online-in-2016" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_20643848_LARGE.jpg" alt="you still can&#039;t do these things online" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's 2016. The digital age, right?</p> <p>Well, that's mostly true. There are more and more things that we can do online. And it's nice. Who wants to spend time standing in line when you can take care of business from the comfort and privacy of your own home?</p> <p>Still, every once in awhile, you run into something you can't actually do on the Internet. Here are the things I've found that you still have to do in-person.</p> <h2>1. Use Food Stamps</h2> <p>It has recently come to light that people using food stamps <a href="https://www.washingtonpost.com/news/wonk/wp/2016/07/15/the-simple-change-that-could-get-affordable-food-to-the-poor-people-who-need-it/">cannot purchase groceries online</a>. This can keep those who live in food deserts from obtaining healthy, unprocessed food. There are some movements online to change this but, for the moment, you have to show up in-person to buy groceries via a government program. While it might be harder to eliminate food stamp fraud, allowing food stamp use online would allow many Americans to eat healthier.</p> <h2>2. Make DMV Changes</h2> <p>This can vary a bit from state-to-state, but many places will not allow you to do things like <a href="http://www.carsdirect.com/dmv/dmv-online-what-you-can-and-cant-do-online">change your address online</a>. While some states will let you fill out an online form to make the change, you will still have to print it out and either send it in or take it to the DMV to get the change into the system.</p> <p>Since you can't usually change your address online, I suppose it follows that you can't take the written driver's test online. While this makes sense in terms of eliminating test fraud and cheating, it means that every single person who wants to take the driving test needs to make an appointment, making for crowded DMVs in many states.</p> <h2>3. Apply for a U.S. Passport</h2> <p>Similarly, you can input all of the information you need to get a U.S. passport online, but you can't actually submit the form. For that matter, you can't pay for it online, either.</p> <p>When it comes to passports, you have to submit your old passport when you apply for a new one. This helps eliminate fraud and helps the government track the different passports you have had. Since you can't send your passport through the computer, the government asks you to send your whole application packet together, by old fashioned mail.</p> <h2>4. Vote</h2> <p>While you can register to vote online, you can't actually cast your vote that way. It seems like <a href="http://www.scientificamerican.com/article/when-will-we-be-able-to-vote-online/">it would be a positive move</a>: more people would participate in elections, and the overall cost of having an election would go down.</p> <p>However, voter fraud is a real thing. While there are probably some ways to implement online voting that would at least make fraud hard, the government hasn't invested itself there yet. Some states, like Colorado, are starting to send every registered voter an absentee ballot, though. That way, you can vote from the privacy of your own home, even if you have to send the ballot through the mail instead of the wires.</p> <h2>5. Pay Some Utility Bills</h2> <p>I don't know about you, but I still have a couple of utility bills that I can't pay online. Instead, I have to either send a check or pay by phone. You would think that even small companies would permit online payment, but there are still those that don't.</p> <p>It seems like this is more common with small utility companies, like the family-owned trash company that services my area, or rural ones. If you can't pay online, try giving them a call. <a href="http://www.wisebread.com/the-6-monthly-telecom-bills-you-can-negotiate">Paying by phone</a> is almost as easy, and many companies are more than happy to let you use your credit card that way, so you don't have to have checks in order to pay your bills.</p> <h2>6. Register a Birth Or a Death</h2> <p>While you can often request documentation of a birth or a death via the Internet, you can't actually register either online. Even U.S. citizens born in other countries have to visit an embassy (or have parents do so) before they can get an official U.S. birth certificate or passport. For children born in the U.S., it's usually enough to have a hospital verify the birth and submit the proper paperwork, so the family doesn't have to actually present the baby anywhere.</p> <p>When it comes to birth and death, the chances for fraud are very high. Even with all of the cyber security that's possible these days, more birth and death certificates would be fraudulently issued if the process was available online. When someone is held accountable for issuing these certificates, fraud is less likely.</p> <p><em>Have you run into anything you can't do online? Do you think that's a good decision or not?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016">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-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</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/beware-the-nasty-secret-of-the-craigslist-free-section">Beware, The Nasty Secret Of The Craigslist Free Section</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-favorite-mail-order-websites">10 Favorite Mail-Order Websites</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/3-reasons-why-buying-groceries-online-is-great">3 Reasons Why Buying Groceries Online Is Great</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/save-money-shopping-online-with-google">Save Money Shopping Online With Google</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology computer convenience dmv laptop online online shopping tech obsessed vote work from home Wed, 10 Aug 2016 10:00:09 +0000 Sarah Winfrey 1769233 at http://www.wisebread.com 7 Apps That Make Budgeting Fun — No Really! http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-make-budgeting-fun-no-really" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87637919_LARGE.jpg" alt="making budgeting fun with these apps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Budgeting is not just essential for those who are trying to squeeze two pennies out of one. Tracking expenses and setting spending and savings goals is beneficial for anyone &mdash; no matter the amount of your paycheck.</p> <p>However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. (See also: <a href="http://www.wisebread.com/one-simple-thing-you-can-do-to-start-budgeting-today?ref=seealso">One Simple Thing You Can Do to Start Budgeting Today</a>)</p> <h2>1. Pennies</h2> <p>One of the best things about using Pennies for iOS is that it allows a lot of flexibility. Many people do not work with a set salary and do not know their paycheck amount each pay period. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.</p> <p>Another benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges.</p> <p>($1.99<a href="https://itunes.apple.com/app/apple-store/id916741290?mt=8"> iOS</a>)</p> <h2>2. Prosper Daily</h2> <p>How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. The app also connects to financial accounts and tracks spending effortlessly. There is no need to document every expenditure.</p> <p>Another benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone.</p> <p>Note: Prosper Daily used to be known as &quot;BillGuard.&quot;</p> <p>(Free<a href="https://itunes.apple.com/us/app/billguard-money-tracking-credit/id602710567?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en"> Android</a>)</p> <h2>3. CoinKeeper</h2> <p>The envelope system of budgeting is clever, but it can be such a hassle to use. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget.</p> <p>(Classic version $5.99<a href="https://itunes.apple.com/us/app/coinkeeper-classic-personal/id471262606?mt=8"> iOS</a>, Free version<a href="https://itunes.apple.com/us/app/coinkeeper-personal-finance/id849747345?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.disrapp.coinkeeper.material&amp;hl=en"> Android</a>)</p> <h2>4. Digit</h2> <p>Waiting until the end of the month to deposit leftover money into a savings account is unwise. Usually, there is no money left by the end of the month. Instead, use an app like Digit to sock away a little bit of money throughout the month.</p> <p>The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5&ndash;$50 every two to three days to that user's savings account. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member.</p> <p>See also: <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=seealso">11 Budgeting Skills Everyone Should Master</a></p> <p>(Free<a href="https://digit.co/"> iOS</a>)</p> <h2>5. Toshl</h2> <p>Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.</p> <p>(Free<a href="https://itunes.apple.com/app/toshl-finance/id921590251?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.thirdframestudios.android.expensoor"> Android</a>)</p> <h2>6. BUDGT</h2> <p>Don't let variable income keep you from keeping track of how much you make and how much you spend. BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. The best part is that the app is simple and easy to use. It might take a few days to get into the habit of inputting your expenses, but once you get used to it, it can be a healthy habit to transform your spending.</p> <p>($1.99<a href="https://itunes.apple.com/us/app/budgt/id580812126?mt=8"> iOS</a>)</p> <h2>7. Mvelopes</h2> <p>Similar to CoinKeeper, Mvelopes is a digital version of envelope-based budgeting. The free version can be downloaded on iOS and Android phones, but to get the full, deluxe version, there will be a one-time $95 cost. It will take a little bit of learning time to get into the method of zero-based budgeting. The idea behind this way of budgeting is that every dollar has a designation. This prevents money from being spent thoughtlessly.</p> <p>If you look at your bank account at the end of the month and see an extra $50, you might mistake it as &quot;free&quot; money and spend it foolishly. With an envelope system, that $50 would have been categorized into savings or even designated towards books or clothing. It is important to give your money a job, or it will be useless to you.</p> <p>The best budgeting app is the one that is used. If you are serious about making budgeting a regular habit, then you need to find the right tool to work for you. Everyone is different, so if the first app you try doesn't fit your needs or tastes, don't worry. Just try something else.</p> <p>(Free <a href="https://itunes.apple.com/us/app/mvelopes-budget-app-envelope/id417933753?mt=8">iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.finicity.mvelopes&amp;hl=en"> Android</a>)</p> <p><em>What is your favorite budget app to use? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You 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/6-ways-gluttony-is-keeping-you-poor">6 Ways Gluttony Is Keeping You Poor</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps managing money money management phone phone apps saving money smartphone Wed, 10 Aug 2016 09:00:10 +0000 Ashley Eneriz 1769235 at http://www.wisebread.com The 5 Best Apps for Busy Working Parents http://www.wisebread.com/the-5-best-apps-for-busy-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-apps-for-busy-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_baby_phone_43606458.jpg" alt="Mom using apps for busy working parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working parents need to maximize their time in order to be most efficient. These apps will help working moms and dads better manage kids' routines, plan family outings, and manage family budgets effectively.</p> <p>See also: <a href="http://www.wisebread.com/10-fun-money-apps-for-kids?ref=seealso">10 Fun Money Apps for Kids</a></p> <h2>1. Happy Kids Timer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidTimer_02.PNG" width="605" height="340" alt="" /></p> <p>Having a hard time keeping kids on schedule, especially in the mornings? <a href="http://www.kidssmartzone.com/">HappyKidsTimer</a> is an app your kids use to help them manage their daily morning routines, like making their beds, getting dressed, brushing their teeth, and so forth. The app features timers and fun incentives to help your kids get on their way.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids?ref=seealso">10 Basic Manners You Must Teach Your Kids</a></p> <h2>2. KidsEatFree</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidsEatFree.PNG" width="340" height="605" alt="" /></p> <p>Busy parents often don't have time to cook &mdash; and dining out with the whole family gets expensive, fast. Restaurateurs have responded with a variety of kids eat free promotions. Too many, in fact, for busy parents to track. <a href="https://itunes.apple.com/us/app/kids-eat-free-restaurant-finder/id933114765?mt=8">KidsEatFree</a> is the free app that helps you find free kids' meals nearby, keeping your family on time &mdash; and on budget.</p> <p>Available for iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a></p> <h2>3. Mint.com</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Mint_AppStore.jpeg" width="341" height="605" alt="" /></p> <p>Speaking of budgets, busy parents need to manage their family's money while they are managing the kiddoes. <a href="https://www.mint.com/">Mint.com</a> remains the gold standard free app for tracking all your spending, paying bills, setting and tracking budgets, and monitoring overall net worth.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances?ref=seealso">These 5 Apps Can Fix Your Finances</a></p> <h2>4. VarageSale</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/VarageSale_01.PNG" width="340" height="605" alt="" /></p> <p>If you're keen on sticking to your budget, <a href="https://www.varagesale.com/">VarageSale</a> is great for connecting busy parents with others who want to buy or sell used family and children goods. You can make extra cash off your used stroller or crib &mdash; or you can pick up gently used ones for a great price. Look at all the cute outfits!</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale?ref=seealso">How to Sell Your Kids' Stuff at a Consignment Sale</a></p> <h2>5. Trekaroo</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trekaroo.PNG" width="340" height="605" alt="" /></p> <p>Finally, even the busiest, most goal-directed families need some downtime. <a href="http://www.trekaroo.com/">Trekaroo</a> helps hardworking parents plan and budget family outings &mdash; everything from faraway vacations to local day trips. The app finds kid-friendly activities when and where you need them. Even better, each destination includes reviews from other busy parents who've already been, so you can get the inside scoop way before you get there.</p> <p>Available for Android and iOS.</p> <p><em>What are your go-to apps for managing life with kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You 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/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-gluttony-is-keeping-you-poor">6 Ways Gluttony Is Keeping You Poor</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps budgeting managing money money management parenting phone phone apps productivity saving money smartphone Tue, 09 Aug 2016 11:00:11 +0000 Janet Alvarez 1768674 at http://www.wisebread.com Best Money Tips: How to Start a Blog in 10 Minutes http://www.wisebread.com/best-money-tips-how-to-start-a-blog-in-10-minutes <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-start-a-blog-in-10-minutes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_laptop_75385293.jpg" alt="Woman starting a blog in 10 minutes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to start a blog in 10 minutes, KonMari-inspired storage solutions, and powerful willpower tips to help you achieve anything.</p> <h2>Top 5 Articles</h2> <p><a href="http://wellkeptwallet.com/2016/08/how-to-start-a-blog-in-10-minutes-or-less/">How to Start a Blog in 10 Minutes or Less</a> &mdash; Determine what you want as your blog's purpose or brand. Readers tend to prefer blogs with a stronger focus. [Well Kept Wallet]</p> <p><a href="http://www.cheapism.com/blog/konmari-storage-ideas-14138/">11 KonMari-Inspired Storage Ideas to Simplify Your Life</a> &mdash; The boxes that cellphones come in are great for small items like writing tools, sugar packets, tea bags, measuring spoons, and sticky notes. [Cheapism]</p> <p><a href="http://www.popsugar.com/smart-living/How-Get-More-Willpower-33521396">Achieve Anything With These 8 Powerful Willpower Tips</a> &mdash; Set small deadlines toward a greater goal. The consistent act of self-control can increase overall willpower. [PopSugar Smart Living]</p> <p><a href="http://www.smallfootprintfamily.com/10-green-back-to-school-tips">10 Tips for a Healthy, Planet-Friendly Back-to-School</a> &mdash; Avoid plastic for your kids' lunchboxes and water bottles. Stainless steel will last for years, are easy to wash, and won't leach toxic chemicals into your child's food. [Small Footprint Family]</p> <p><a href="http://wealth.kiplinger.com/reader/kiplinger/4-election-year-myths-about-investing">4 Election Year Myths About Investing</a> &mdash; Odds are, you've come across these myths during this presidential election cycle. [Kiplinger]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.northerncheapskate.com/how-to-make-buying-gifts-more-affordable/">How To Make Buying Gifts More Affordable</a> &mdash; Use discounted gift cards to save 10% or more on the gifts you buy. [Northern Cheapskate]</p> <p><a href="http://gradmoneymatters.com/money-making-ideas/how-to-save-money-by-couponing.html">How To Save Money By Couponing</a> &mdash; The Sunday paper is full of coupons, coupon inserts, store sale fliers, and much more, so get a subscription if you don't already have one. [Grad Money Matters]</p> <p><a href="http://moneyminiblog.com/productivity/productive-next-20-minutes/">4 Ways to Be More Productive (For the Next 20 Minutes)</a> &mdash; Motivate yourself by turning boring or repetitive tasks into a game with a built-in reward. [MoneyMiniBlog]</p> <p><a href="http://everythingfinanceblog.com/18033/single-people-cook-in-bulk.html">5 Ways Single People Can Cook in Bulk for Less</a> &mdash; Invest in a vacuum sealer to help you save groceries that might go to waste before you can get to them. [Everything Finance]</p> <p><a href="http://parentingsquad.com/ready-set-floor-5-childrens-activities-that-start-on-a-rug">Ready, Set, Floor! 5 Children's Activities That Start on a Rug</a> &mdash; Take advantage of floor space by using your rug for activities! You can play a variation on hopscotch with an alphabet rug or take a pretend trip on a map rug. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-start-a-blog-in-10-minutes">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/9-ways-siri-can-be-your-personal-finance-assistant">9 Ways Siri Can Be Your Personal Finance Assistant</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/turn-old-clothes-into-money-with-these-4-tools-and-apps">Turn Old Clothes Into Money With These 4 Tools and Apps</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/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</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/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays YOU</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips blogging Fri, 05 Aug 2016 09:30:37 +0000 Amy Lu 1766503 at http://www.wisebread.com How to Improve Your Finances Using Social Media http://www.wisebread.com/how-to-improve-your-finances-using-social-media <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-improve-your-finances-using-social-media" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_text_94856801.jpg" alt="Woman learning how to improve finances using social media " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Social media is about more than just looking at friends' baby photos, posting what you ate for dinner last night, and watching the most recent viral videos. It can actually help you improve your finances, land a new job, and reach your savings goals more efficiently. That's why we've found some of the best ways to improve your finances by getting the most out of social media. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso">6 Ways Social Media Can Save You Money</a>)</p> <h2>&quot;Friend&quot; Your Credit Cards and Bank</h2> <p>Add your credit card issuers and bank to your social media accounts by &quot;friending&quot; or following them. Large institutions usually offer deals to followers, so you can enjoy a lower APR, higher savings interest rate, or other money-saving promos. In fact, according to U.S. News, social media is often the first outlet that banks choose to <a href="http://money.usnews.com/money/personal-finance/articles/2015/06/03/why-the-financial-services-industry-started-tweeting">share news about upcoming deals</a>.</p> <p>Social media is also possibly the best way to get in touch with customer service quickly, as it will allow you to get their attention more easily. Just make sure to keep your account information, address, and any other private information off the message boards and social media pages.</p> <h2>Enjoy Travel and Shopping Deals</h2> <p>There are endless travel and shopping deals available through social media. Retailers often choose social media as the first outlet to announce upcoming sales, so their friends and followers are able to take advantage of the biggest discounts first. Followers are frequently offered early deals, as well.</p> <p>You can find Twitter-specific deals that can save you on everything from rental cars and vacations to eating out and even buying gifts. Before going out to make any purchases, check Facebook, Twitter, Instagram, and Pinterest to make sure there aren't any deals that you're missing. You can even check social media hashtags, such as #deal, to find the best deals in your area.</p> <h2>Share Goals</h2> <p>Many financial experts recommend sharing your financial goals online. By setting your goals early and sharing them with the people you love, it can help you articulate what you really want and hold you accountable to achieve your goals. In fact, research has shown that making <a href="http://www.fastcompany.com/3047432/work-smart/why-sharing-your-progress-makes-you-more-likely-to-accomplish-your-goals">public statements about goals</a> can help you achieve them more efficiently. However, you never want to reveal anything too personal, such as private information that fraudsters can use against you.</p> <h2>Get Money-Saving Tips</h2> <p>By following your favorite finance site on social media, you can find endless free money-saving tips and updates. You can also find forums and group discussions with unique money-saving ideas and encouragement from others. You can even find good financial and investment advice online.</p> <p>Seeing these tips on a daily basis on your social media pages can also be a good reminder each and every day to protect your hard-earned income. After all, we all need a reminder once in a while that we don't really need that new top or expensive latte in the morning.</p> <h2>Find a New Job</h2> <p>LinkedIn can be an invaluable tool when you're searching for a new job. You can apply for jobs directly through LinkedIn, perfect your resume, and even reach out to potential employers and former colleagues. Contacting them through Facebook or Twitter won't be as effective or as professional as contacting them through LinkedIn.</p> <p>With LinkedIn, once you have created a professional profile, employers and recruiters can even reach out to you with potential job offers. You can also join LinkedIn groups within your field so you are the first to know about potential opportunities. You can even add examples of your work, recommendations from current or previous coworkers, and any honors you've received to better build your online portfolio.</p> <h2>Make Connections</h2> <p>Networking through social media can result in better face-to-face communication, potential job offers, and endless contacts in your field. Simply following someone or sharing their social media posts can be a great first step in networking and making connections.</p> <h2>Build Your Brand</h2> <p>Whether you're promoting your personal business or services, or just want to build your reputation as the best in your field, posting on social media can be a great start. Just make sure to stay consistent so that you can reach as many followers as possible.</p> <h2>Research More Efficiently</h2> <p>Gone are the days of asking for financial suggestions from friends and coworkers. Whether you're looking for a new financial planner or would like information on which investments to make, you can find more information quickly through social media. With a simple social media search, you can find detailed research on the investment product or financial adviser you're interested in.</p> <p>You can also find suggestions for dentists and other service providers in your area through social media. This will ensure you get what you're looking for and don't waste money.</p> <h2>Sell Your Items</h2> <p>If you create and sell items privately, such as through Etsy, social media can be a great free platform for you to advertise your products or services. This can help you bring in more revenue, reach new customers, and show off your work to a limitless audience.</p> <h2>Make Some Extra Income</h2> <p>There are even ways to make some extra income using social media. If you have a large following, you can publish sponsored tweets or sign up for affiliate accounts, where you will receive your own unique link to earn some extra income when followers make purchases using that link. (See also: <a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=seealso">6 Ways to Make Extra Money Using Social Media</a>)</p> <p><em>Have you followed Wise Bread on social media yet? What are your best tips for improving your finances through social media? </em><em>Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media">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-things-millennials-can-learn-about-saving-money-from-gen-x">5 Things Millennials Can Learn About Saving Money From Gen-X</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-social-media-can-save-you-money">6 Ways Social Media Can Save You 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/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-of-the-coolest-sayings-about-saving">10 of the Coolest Sayings About Saving</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-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology advice blogs deals extra money Internet job hunting promotions saving money selling shopping social media travel Mon, 25 Jul 2016 09:00:11 +0000 Andrea Cannon 1753337 at http://www.wisebread.com Is There Any Reason to Pay for a Landline Anymore? http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-there-any-reason-to-pay-for-a-landline-anymore" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_65884831_MEDIUM.jpg" alt="is a landline still worth it?" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're doing all that you can to save money and cutting costs every month, then it would usually make sense to cut your landline. When <a href="http://www.cdc.gov/nchs/data/nhis/earlyrelease/wireless201412.pdf">more than 40% of American households</a> have eliminated their landline, it only makes sense, right? While it's often a good idea to cut a landline &mdash; particularly if you're no longer using it &mdash; there are certain instances where it actually makes sense to keep it.</p> <h2>1. Emergency Situations</h2> <p>Did you know that when you dial 911 from a landline, the dispatcher can see your address and phone number right away? According to the National Emergency Number Association, when you call from a cell phone, it can take about 25 seconds for the <a href="http://www.nytimes.com/2014/01/18/your-money/weighing-the-need-for-a-landline-in-a-cellphone-world.html?_r=1">dispatcher to receive information</a> on your location, which will be limited to a general area, not a specific location. In contrast, with a landline, the dispatcher will have immediate access to your exact address, including the apartment number.</p> <p>In an emergency situation, you may not be in the position to provide your address. In some situations, a child may be able to place the call by being taught to dial 911, but they may not know the address. If this is the sole reason that you have a landline, call your service provider and ask if they have an &quot;emergency only&quot; option at a discounted rate.</p> <h2>2. Power Outages</h2> <p>In the event of a natural disaster or power outage, your landline may still work. If you are relying on your cell phone during an emergency situation, network congestion can make cell phone communication nearly impossible.</p> <p>While a landline can be a godsend in an emergency, some phone providers are now running the phone lines through the modem, which would prevent you from having service in the event of a power outage. Some phones also need to be plugged in, and therefore still require electricity.</p> <p>Contact your phone provider to see if they still use the old landline system, which would allow it to work during an emergency. Some phone service providers, such as Verizon, Cox, Comcast, and Time Warner also offer backup batteries for sale, which will offer about eight hours of standby time and four hours of talk time in the event of an electrical outage. These backup batteries typically cost anywhere from $20-$35.</p> <h2>3. If Your Reception Is Spotty</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/iStock_82201917_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p>While most people are fortunate enough to have good cell reception, there are certain areas in the country where reception can be spotty. In these cases, a landline can ensure that you always have flawless call quality (and zero dropped calls). With a landline, you can enjoy undisrupted reception, anytime.</p> <h2>4. Home Security Systems and Fax Machines May Require Them</h2> <p>Some home security systems will require a home phone connection to monitor alarm sensors. If you don't have a landline, the alarm company may charge you to install a special device that works with your cellular connection. If you have a fax machine at home, you may also need a landline for it to work.</p> <h2>5. Making Long Distance Calls</h2> <p>Placing long-distance calls out of the country via cell phone can be unreliable. Making international calls on the landline usually offers a more reliable connection. It's also worth noting that the cost of making international phone calls is typically much higher with mobile phones than it is with landline phones.</p> <h2>6. Everyone Can Use the Landline</h2> <p>If your monthly service package already includes a landline, it only makes sense to have one plugged in. In the event that you have guests or other family members who need to use the phone, they can easily use the landline without costing you any money. You may also not be as willing to let them use your cell phone for whatever calls they need to make.</p> <p>If you have a big family, you can save money by having a landline service and installing a landline in the room of each member of your household. This will save you money compared to a cell phone family plan. Landlines generally charge a flat rate every month, regardless of how much you use the phone. If you tend to talk on the phone a lot, you may exceed your cell phone limits and incur additional charges.</p> <h2>7. Misplacing Your Cell Phone</h2> <p>If you frequently misplace your smartphone around the house, then having a landline can provide you with a central location where you can always find the phone. In an emergency situation, this could be a lifesaver. Searching for your phone in an emergency can feel like an eternity.</p> <p>If your child needs to make an emergency call, it will be easier for them to call from the landline, which is always in the same location. On the other hand, they may not be able to find your wayward cell phone when they need it most.</p> <h2>8. If Your Cell Phone Dies Frequently</h2> <p>We've all been in a situation where our cell phone dies at the most inopportune moment. Consider the very real possibility that your cell phone may not have the power to make an emergency call. With a landline, you never have to worry about your phone running out of juice.</p> <h2>9. It's Safer and More Comfortable</h2> <p>According to The World Health Organization and the Environmental Working Group, frequent cell phone usage can lead to an <a href="http://www.ewg.org/cell-phone-radiation-damages-sperm-studies-find">increased risk of brain tumors</a>, brain cancer, diminished sperm count, sleep disturbances, and even anxiety. Using a cell phone for a prolonged period of time can also lead to earaches, but this hasn't been the case with landline phones. It should also be noted that holding a landline phone between your shoulder and ear during the length of a call will be much more comfortable than trying to hold a cell phone there.</p> <h2>10. It's Fashionable</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/iStock_24499136_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p>Some landline phones can double as home decor. There are virtually limitless designs, colors, and styles to choose from, so you can find a new age, technologically advanced option, or you can visit your local vintage store for a phone that will also appear as a work of art.</p> <h2>11. There Are Better Service Bundles</h2> <p>In some cases, you can actually save money by having a landline. For instance, certain Internet, cable, and landline combo plans <a href="http://www.wisebread.com/4-phone-calls-that-will-save-you-big-every-month">will save you money</a>, compared to only buying Internet and cable. Look into &quot;triple play&quot; services, which usually include cable, Internet, and a landline at a low cost.</p> <p>According to Consumer Reports, <a href="http://www.consumerreports.org/cro/news/2014/04/5-reasons-to-keep-a-landline-phone/index.htm">dropping the landline connection</a> from your triple play bundle might only save you about $5 a month. In some cases, it can actually cause the price of your Internet and cable to go up, so you would be wasting money by canceling your landline.</p> <h2>12. You Can Save Money</h2> <p>Some landlines can cost as much as $50 per month, but you should be able to find ways to keep your bill to $20 or under with a standard home phone service. Depending on which service provider you use, you may already be grandfathered into an affordable service plan. Compared to the overwhelming costs of a smartphone plan, you can actually save money by making your calls through a landline.</p> <p>Before cutting your landline, make sure you have considered all the pros and cons, and know exactly how much you will save every month by eliminating it. Instead of cutting it altogether, contact your service provider to inquire about how you can save on the monthly costs, and what the cheapest plan is.</p> <p><em>Did you cut your landline? How is it working out for you? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</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-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-smartphone-apps-to-help-you-save-big">6 Smartphone Apps to Help you Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-49-smartest-amazon-hacks-that-will-save-you-big">Flashback Friday: 49 Smartest Amazon Hacks That Will Save You Big</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-ways-gluttony-is-keeping-you-poor">6 Ways Gluttony Is Keeping You Poor</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology landline landline phone monthly bills phone phone bills phone call phone line saving money Thu, 14 Jul 2016 10:00:12 +0000 Andrea Cannon 1751464 at http://www.wisebread.com 5 Surprising Ways a 3D Printer Can Save You Money http://www.wisebread.com/5-surprising-ways-a-3d-printer-can-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-surprising-ways-a-3d-printer-can-save-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_technology_work_55162886.jpg" alt="Woman learning ways a 3d printer can save her money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It would seem that we're headed full speed ahead toward a world where 3D printing is a part of everyday life &mdash; a world in which we print a replacement coffee mug when ours breaks rather than buy a new one. It's been hailed as the next revolution in manufacturing, and Amazon, Home Depot, and Staples are just a few of the major brands that are getting in on it, making plans to build their own 3D printers for consumers. The world of 3D printing is novel, but it is also highly utilitarian.</p> <p>Depending on the complexity of the job at hand, a 3D printer costs anywhere from a few hundred to more than a hundred thousand dollars. A <a href="http://www.printm3d.com/">hobbyist 3D printer</a> &mdash; the kind you might use to create a small figurine toy &mdash; is far less expensive than a printer capable of, say, <a href="http://www.contourcrafting.org/">building a house</a>. Of course, there are many money-saving things that one can print in an attempt to cancel out the expense of the printer itself. Read on for our roundup of some of the ways a 3D printer can save you money. (See also:&nbsp;<a href="http://www.wisebread.com/3-great-home-gadgets-that-can-save-you-real-money?ref=seealso" target="_blank">3 Great Home Gadgets That Can Save You Real Money</a>)</p> <h2>1. You Can Sidestep the High Cost of Orthodontics</h2> <p>A 24-year-old college student in New Jersey wanted a straighter smile. But he was strapped for cash. And, since name brand options for clear braces, such as those made by Invisalign, can cost up to $8,000, he decided to <a href="http://money.cnn.com/2016/03/16/technology/homemade-invisalign/index.html?iid=surge-hp-summary">use a 3D printer</a> to create his own. Believe it or not, it worked. And it cost him less than $60.</p> <h2>2. You Can 3D Print Cheap Prosthetics</h2> <p>The family of a young boy born without fingers in Oregon could not afford a high-tech prosthetic hand. Not to mention the fact that such prosthetics are hard to find for children &mdash; and they cost many thousands of dollars. And so, the boy could not properly grip a baseball bat or play a game of catch. That is, of course, until he was given a <a href="http://www.nytimes.com/2015/02/17/science/hand-of-a-superhero.html">3D printed prosthetic hand</a>. The materials for such a contraption can cost as little as $20 to $50, and some experts say they work just as well, if not better, than the traditional, much costlier prosthetics.</p> <h2>3. You Can 3D Print a Gorgeous Custom Guitar</h2> <p>A personalized electric guitar &mdash; the kind that the guitarist in your favorite band might play on tour &mdash; can cost several thousand dollars. Plus, it takes a long time to build. This is a dilemma that any professional or semiprofessional guitarist knows all too well. High-performing professional instruments are just plain expensive.</p> <p>Introducing the beautifully detailed, custom <a href="http://customuse.myshopify.com/pages/the-guitars">3D printed guitar</a> by Customuse. At roughly $2,500 a pop, these instruments are not exactly cheap. But they are heaps cheaper and far, far faster to assemble than many other guitars made the traditional way. With 3D printing, creating 10,000 completely unique electric guitars costs about the same as it would to make 10,000 identical guitars in traditional fashion. If you're out for a top notch musical instrument, 3D printing just might be your best, most cost effective bet.</p> <h2>4. You Can Create Everyday Household Items as Needed</h2> <p>With a 3D printer on hand, you can make your own iPhone cases, razors, paper towel dispensers, garlic presses, and other everyday household items as needed, thereby reaping a potentially big savings over time. According to one study, the total cost of printing 20 household products is about $20, or about one dollar apiece. In comparison, online retail costs range from of $300 to $1,900; averaging between $15 and about $100 per product. Why purchase a new set of shower curtain rings if you can make them yourself for cheap?</p> <h2>5. You Can Sidestep the High Cost of a Printer</h2> <p>You're off the hook. That's right, it's now possible to reap the cost-saving benefits of 3D printing without having to make the initial investment in the printer itself. Here's how: The <a href="https://www.denverlibrary.org/idealab3D">Denver Public Library</a> and the <a href="http://dclibrary.org/digitalcommons/3dprinting">DC Public Library</a> in the nation's capital have several 3D printers available for public use. Bonus: The DC Public Library also offers free classes that teach the basics of 3D printing. At the DC library, printing costs $.05 per gram of the object's weight, plus a $1 charge.</p> <p>The library estimates that most prints range in price from $1 to $5.</p> <p>And while they aren't sophisticated enough to print a car or a house, the library's 3D printers are well equipped to build small to medium-sized household objects as well as trinkets and toys. In addition to libraries, some universities, Maker clubs, and <a href="https://www.theupsstore.com/print/3d-printing">UPS Store</a> locations have public use 3D printers. There's also <a href="https://www.3dhubs.com/">3DHubs.com</a>, which can connect you to 3D printing services near you.</p> <p><em>Have you made anything on a 3D printer?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-surprising-ways-a-3d-printer-can-save-you-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/how-to-refill-an-ink-cartridge-with-a-small-piece-of-tape">How to refill an ink cartridge with a small piece of tape</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/is-there-any-reason-to-pay-for-a-landline-anymore">Is There Any Reason to Pay for a Landline Anymore?</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/diy-plastic-surgery-this-is-not-a-hoax">DIY Plastic Surgery: This Is Not A Hoax.</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/life-without-tv">Life Without Television</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-ways-to-sell-your-body-to-science">6 Ways to Sell Your Body to Science</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology 3d printers future household items libraries medicine orthodontics prosthetics science toys Thu, 07 Jul 2016 10:00:12 +0000 Brittany Lyte 1746639 at http://www.wisebread.com 3 Great Home Gadgets That Can Save You Real Money http://www.wisebread.com/3-great-home-gadgets-that-can-save-you-real-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-great-home-gadgets-that-can-save-you-real-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_tablet_92297561.jpg" alt="Woman using great home gadgets that can save her real money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Home automation is very popular right now. Some gadgets are very pricey and more cool than useful, while other home technologies can actually save you a lot of money. Many of these gadgets can control utility usage, be controlled wirelessly, and even interconnect with each other. Check out these technologies if you want to make your home smarter and also reduce your monthly bills.</p> <h2>Nest</h2> <p>One of my favorite devices to use is <a href="http://amzn.to/28PQY4p">Nest</a>, which is a smart thermostat. We first purchased Nest three years ago. It was easy to install, and we saw savings immediately. We saw enough savings that first summer to justify the cost of the device.</p> <p>Nest cooled and heated our home smarter, turning itself off if it didn't detect motion or if it was set to Away. The second year, our electric company offered incentives if customers had a Nest. We earned about $150 that summer just for allowing the electric company to have control over our Nest. They would simply have blackout hours which disabled Nest during high volume times. Usually, it was disabled for a few hours two to three times a month during the summer.</p> <p>When we lived in our one-story 1,800 square foot home, our electric bill was rarely over $100. It was usually about $150 in the summer months. This was mostly due to smart usage, a well-insulated home, and of course, Nest.</p> <p>Nest currently costs $249 through Amazon and is much more stylish and easier to use than a conventional thermostat. Depending on how excessively you use your air conditioning and heating, Nest could pay for itself in savings within a few months. Be sure to sign up for energy saving programs and rebates through your local electric company, too.</p> <h2>Rachio Sprinkler System</h2> <p>Rachio is a smart irrigation system that can be controlled through your phone. This irrigation system also connects with weather readings, so your sprinklers won't turn on when it's raining outside or when the rain is expected.</p> <p>Before investing in a smart irrigation system, our water bill was routinely about $110 per month, and we rarely watered our lawn. Since we pay our water every other month, it was always a nasty shock to see our bill over $200, since we thought we were being conservative with water (and our lawn didn't look great).</p> <p>The first smart irrigation system we bought helped reduce our water bill by $30&ndash;$40 right away. We then switched to the Rachio Smart Sprinkler Controller when we moved two months ago and now have more lawn to water. Our water bills are still predicted to be $70&ndash;$75 per month, or $150 per billing cycle in the spring/summer months. They might be lower, but California has a few conservation surcharges added to each bill. The biggest difference is that with the use of the smart irrigation systems, our grass stays green, despite not using more water.</p> <p>The&nbsp;<a href="http://amzn.to/28PPXLn">8-Zone Rachio Smart Sprinkler</a> costs $199.99 and many water companies will give you a rebate. Be sure to check for <a href="http://rachio.com/#gallons-saved">local rebates</a> for the Rachio system. Even without a rebate, if the Rachio system saves you $30 each month, then you will have saved $360 for the entire year. Subtract the base cost of the Rachio from those savings, and you still pocket an extra $160 the first year of using Rachio.</p> <h2>Canary</h2> <p>While I think that home security systems are a great idea, they can be expensive. US News says, &quot;Most companies will offer installation specials as low as $99, but startup costs for all the equipment could <a href="http://money.usnews.com/money/personal-finance/articles/2013/09/09/the-cost-of-keeping-your-home-safe">run between $600 to $1,200</a>.&quot; After these initial costs, the monthly monitoring costs average $30 a month. Even if you get free installation and pay a very low $30 a month for home security, you will still end up paying $360 a year.</p> <p><a href="http://amzn.to/28PQjl4">Canary</a> is a good solution for tech-savvy individuals. The devices start at $166.94, and users can stream real time video in their home. Canary alerts your phone when it detects movement (there is an option to disable that feature when you come home). Once you get that mobile alert, you can instantly look through the camera and even sound a siren and alert the authorities. You can view the recordings for up to 24 hours, but if you need the video past that time, you will just have to pay a small fee.</p> <p>Best of all, you don't have to deal with a pushy salesperson or need to get it installed. I love that you don't have to rush to a keypad to disable the alarm, either. You just plug it in and connect it to your secure Wi-Fi.</p> <p>With the use of these three devices, I estimate that we save at least $1,000 a year. Not only do we save a good amount of money, but these three devices have made life much more convenient. If I want to check on my baby sitter and kids, I quickly check Canary. If I want to start cooling the house a few minutes before I get home, I just push a few buttons on my phone to activate Nest. If I want to change my watering schedule via Rachio, again, all I have to do is push a few buttons on the phone.</p> <p><em>What smart home technology do you use in your home?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/3-great-home-gadgets-that-can-save-you-real-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-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/find-lost-keys-fast-with-a-teeny-tiny-tile">Find Lost Keys Fast With a Teeny Tiny Tile</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/turn-old-clothes-into-money-with-these-4-tools-and-apps">Turn Old Clothes Into Money With These 4 Tools and Apps</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/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Technology apps electric bills gadgets nest rebates security sprinklers thermostat water bill Thu, 30 Jun 2016 09:30:20 +0000 Ashley Eneriz 1740458 at http://www.wisebread.com Best Money Tips: How to Blog Like a Pro on an Amateur's Budget http://www.wisebread.com/best-money-tips-how-to-blog-like-a-pro-on-an-amateurs-budget <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-blog-like-a-pro-on-an-amateurs-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smart_working_75385747.jpg" alt="Woman learning how to blog like a pro on an amateur&#039;s budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on free and cheap tools for blogging like a pro, signs that you&rsquo;re too frugal, and ways to make your time at the airport more bearable.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thepennyhoarder.com/starting-a-blog-budget-tools/">30 Free and Cheap Tools to Help You Blog Like a Pro on an Amateur&rsquo;s Budget</a> &mdash; Use free graphic design tools to customize your blog and showcase your personality. [The Penny Hoarder]</p> <p><a href="http://www.popsugar.com/smart-living/Signs-Youre-Too-Frugal-41391028#photo-41391028">8 Signs You're a Little Too Frugal</a> &mdash; You're too frugal if you give a gift and then try to get gift bag or box back. [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0620/Three-ways-to-make-your-time-at-the-airport-more-bearable">Three ways to make your time at the airport more bearable</a> &mdash; If you travel often, you might want to consider getting TSA Precheck or Global Entry. These programs allow you to get into lanes that are typically shorter than regular airport security lines and give you access to other privileges as well. [The Monitor]</p> <p><a href="http://www.dumblittleman.com/2016/06/what-keeps-you-awake-at-night.html">5 Night Time Mistakes That Will Keep You Awake</a> &mdash; When you exercise late at night, the stress hormones that your body releases during a workout will make it harder for you to fall asleep. [Dumb Little Man]</p> <p><a href="http://www.cheapism.com/blog/booking-travel-direct-13916/">12 Ways Booking Direct May Get You a Better Deal</a> &mdash; Booking directly with a hotel or airline can grant you access to better perks and special package that aren't available through third-party sites. [Cheapism]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.kiplinger.com/article/business/T008-C000-S001-state-minimum-wages-rising-in-2017.html">How High Will Your State's Minimum Wage Be on January 1, 2017?</a> &mdash; Although the federal minimum wage has remained the same since it was raised to $7.25 an hour in 2009, many states have started to raise wages on their own. [Kiplinger]</p> <p><a href="http://afewshortcuts.com/2016/06/7-ways-to-repel-pests-at-your-campsite">7 Ways to Repel Pests At Your Campsite</a> &mdash; Spread some Vaseline on the legs or your chairs and picnic tables to keep bugs from crawling up the legs and making their way to you. [A Few Short Cuts]</p> <p><a href="http://www.frugalbuzz.com/articles/shopping-tips/10-items-worth-buying-at-dollar-stores/">10 Items Worth Buying At Dollar Stores</a> &mdash; Most food containers these days are equally good in terms of quality. Buy your containers at a dollar store and you'll hardly notice they aren't name-brand. [Frugal Buzz]</p> <p><a href="http://www.cashthechecks.com/best-places-sell-make-hand/">The Best Places To Sell What You Make By Hand</a> &mdash; Show off your creations at local craft fairs! You'll have to pay a fee to set up a stall, but it's a great way to test the waters and see if your product hits the right notes. [Cash The Checks]</p> <p><a href="http://parentingsquad.com/7-ways-to-make-reading-fun-for-your-kids-this-summer">7 Ways to Make Reading Fun for Your Kids This Summer</a> &mdash; Connect with your kids by reading the same books they do. [Parenting Squad]</p> <p><strong>$1,500 Giveaway!</strong> Don't forget to enter before June 30th for your chance to win $1,500 in prizes in our Rutgers Giveaway! If you are a young adult, take a quick survey on your financial decisions and you could win a $500 or one of five $200 Amazon gift cards. For more information and to enter, check out our <a href="http://www.wisebread.com/rutgers-is-giving-away-1500-to-wise-bread-readers">giveaway article</a>!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-blog-like-a-pro-on-an-amateurs-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">9 Ways Siri Can Be Your Personal Finance Assistant</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/turn-old-clothes-into-money-with-these-4-tools-and-apps">Turn Old Clothes Into Money With These 4 Tools and Apps</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/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</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/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays YOU</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips blogging Tue, 21 Jun 2016 09:31:20 +0000 Amy Lu 1735085 at http://www.wisebread.com