Technology http://www.wisebread.com/taxonomy/term/8130/all en-US 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-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-weekend-money-traps-and-how-to-avoid-them">8 Common Weekend Money Traps (And How to Avoid Them)</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-ways-to-save-money-when-getting-your-drink-on">15 Ways to Save Money When Getting Your Drink On</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</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/is-uber-saving-or-costing-you-money">Is Uber Saving or Costing You Money?</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-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-easy-ways-to-live-a-happier-life">Flashback Friday: 51 Easy Ways to Live a Happier Life</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/watch-all-the-documentary-movies-you-can-handle-free-online-and-yes-its-legal">Watch All The Documentary Movies You Can Handle, Free Online - And Yes, It&#039;s Legal.</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/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-5 views-row-odd views-row-last"> <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> </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-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the 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/the-11-best-parking-apps-for-your-city">The 11 Best Parking Apps for Your City</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-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</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/3-great-home-gadgets-that-can-save-you-real-money">3 Great Home Gadgets That Can Save You Real Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-a-3d-printer-can-save-you-money">5 Surprising Ways a 3D Printer Can Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-solar-power-banks">The 5 Best Solar Power Banks</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 5 Fitness Gadgets Actually Worth the Money http://www.wisebread.com/5-fitness-gadgets-actually-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-fitness-gadgets-actually-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fitness_gadget_000072593793.jpg" alt="Woman finding fitness gadgets worth the money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's no secret that <a href="http://www.wisebread.com/fitness-resolutions-how-much-will-your-new-exercise-routine-cost">some exercise routines are costly</a>, and without complete commitment, the benefits might be minimal. You could spend a fortune on a gym membership and personal trainers, but certain small, clever fitness investments can do the same (or more) for a much lower cost.</p> <p>Here are a few fitness tech gadgets that really pay off.</p> <h2>Fitness Trackers</h2> <p>Fitness trackers have been hot for a couple of years now, and they are certainly a smart way for those of use with a sedentary lifestyle to gently increase exercise and improve overall wellness. As a bonus, they're cheaper than a gym membership and can help you incorporate more movement in your real life, rather than trying to make huge &mdash; and ultimately unsustainable &mdash; lifestyle changes.</p> <p>If you're in the market for a fitness tracker, <a href="http://amzn.to/1OVibDq">Fitbit Blaze</a> could be the thing for you. At around $200, it is more expensive than bracelet style trackers, but makes up for that in both form and function.</p> <p>Aside from the aesthetics (this is a watch design), the tracker includes all you would expect &mdash; step count, activity and sleep trackers, and so on &mdash; and more. The gadget has a heart rate monitor built in and even allows you to monitor your calls and texts on the go. The main bonus is the ability to access workouts on your device, which might make this a worthwhile investment if it means you can drop that costly gym subscription.</p> <h2>Smart Shorts</h2> <p><a href="http://www.lumobodytech.com/lumo-run/">Lumo products</a> are perfect for runners seeking to improve performance. The tracker clips onto your clothing, or can be inserted into a specially designed pocket in Lumo's own range of smart apparel, and measures your running style like no other. This gadget is more like having your own running coach in your pocket than an average fitness tracker, providing lab-standard biometric data all the way through your training. Get details about your stride pattern, bounce, and cadence, which can then be converted by the app into drills and exercises for improvement.</p> <p>Use the sensor with headphones to get live, on-the-go coaching based on the measurements being taken, or simply download the data after your run for some analysis and action planning. Even better, the gear is available for preorder at a discount, starting from under $80 for the tracker and clip.</p> <h2>Fitness, Diet, and Goal Tracking Apps</h2> <p>The world of apps and gadgets has exploded in recent years. The theory goes that by monitoring as much as you can, you have a better opportunity to understand and ultimately improve your health and wellness. Over time you build a data set which allows you to see the progress, either through getting more active, eating better, improving metrics like your weight or heart rate, or cutting back on bad habits.</p> <p>If you go out running or cycling regularly, try <a href="https://www.strava.com">Strava</a>, which is designed to track and share your training, and can help you share your progress by linking to your social media accounts. For an all round support system covering nutrition, stress, sleep and exercise, try <a href="https://www.noom.com">Noom</a>, a smart app that allows you to track your progress and receive expert advice.</p> <p>Finally, if you're in the UK, check out <a href="https://sweatco.in/int">Sweatcoin</a>, the app that makes your exercise pay you. Track your steps and swap them for &quot;sweatcoins&quot; you can cash in for real rewards. Going global soon, so get ready!</p> <h2>Digital Coaching</h2> <p>Digital coaching is a great halfway house if you want some human input into your training but can't afford the time or money for a personal trainer. Apps such as <a href="https://www.coach.me/">coach.me</a> are designed to allow you to track your progress against a goal, and enlist the support of a remote trainer.</p> <p>If the midriff is looking a little wobbly, and the prospect of summer on the beach is sending a shiver up your spine, then don't be tempted to throw money at the problem. Instead, do a bit of research into the tech products and services that can help you get in shape without breaking the bank. The range on offer is developing every day, leaving very little room for excuses when it is time to bust out that bikini.</p> <p><em>What fitness tech products are working for you? Tell us 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/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/5-fitness-gadgets-actually-worth-the-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-tricks-to-avoid-workout-burnout">10 Tricks to Avoid Workout Burnout</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/12-cheap-home-workout-hacks-for-people-with-no-equipment-and-no-room">12 Cheap Home Workout Hacks for People With No Equipment and No Room</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-clever-ways-to-improve-your-home-gym">10 Clever Ways to Improve Your Home Gym</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-work-out-when-its-hot-outside">5 Ways to Work Out When It&#039;s Hot Outside</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/get-a-great-workout-for-free-with-11-simple-moves">Get a Great Workout for Free With 11 Simple Moves</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology apps dieting exercise fitbit fitness goals trackers working out Fri, 03 Jun 2016 09:00:12 +0000 Claire Millard 1721734 at http://www.wisebread.com 8 Apps That Actually Pay You to Shop http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-apps-that-actually-pay-you-to-shop" 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_shopping_000086939113.jpg" alt="Woman using apps that pay her to shop" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know &quot;there's an app for that.&quot; Usually we're referring to apps that make our lives a little bit easier somehow. But what if there were a bunch of apps out there that'll actually <em>pay </em>you to shop? Whether it be through earning cash back by purchasing stuff we'd be buying anyways, or simply paying you to snap a pic of your receipt, these apps all have the potential to help you earn some significant money. What's more helpful than that?</p> <h2>1. Swagbucks</h2> <p><a href="http://swagbucks.7eer.net/c/27771/19503/799">Swagbucks</a> is a cash back app with a twist &mdash; namely it focuses on surveys as its primary business model. You download the app, pick a survey to complete, and earn &quot;Swagbucks&quot; when you complete it. The cool thing about the surveys is they tell you exactly how long they will take to complete, and the number of Swagbucks you'll earn. For example, a six-minute survey will give you 50 Swagbucks and the questions are very simple, opinion-based questions. Earn 500 Swagbucks and you'll be eligible for a $5 gift card from Amazon, Starbucks, Walmart or Target. Sitting in the doctor's office waiting room, or maybe at the DMV, complete a Swagbucks survey or two, and before you know it, you'll be treating yourself to a free Venti Frappuccino.</p> <p>See also: <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online?utm_source=wisebraed&amp;utm_medium=seealso2&amp;utm_campaign=article">How to Make Money Online Without Even Trying</a></p> <h2>2. iBotta</h2> <p>While already on the radar screen of most frugal shoppers,&nbsp;<a href="https://ibotta.com/r/jcsgjbv">iBotta</a> is a terrific way to earn cash at the grocery store. Cash back takes the form of &quot;rebates,&quot; and you simply unlock rebates on specific items before you head to the grocery store. Items that often have rebates available include such staples as milk, eggs, yogurt, and butter. Then when you return home, just scan the receipt with the iBotta app and your rebates, once verified, go straight to your account balance. When your iBotta account reaches $10, you can request payment via PayPal or Venmo. The app is terrific way to supplement traditional paper coupons and double your savings in many cases.</p> <p>See also: <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?utm_source=wisebread&amp;utm_medium=seealso2&amp;utm_campaign=article">Earn Thousands Per Year With These Cash Back Sites</a></p> <h2>3. ShopKick</h2> <p>The&nbsp;<a href="https://www.shopkick.com/">ShopKick</a> app rewards you with free gift cards for doing the shopping you'd be doing anyways. It works by giving you reward points, known as &quot;kicks,&quot; just for walking into stores like Walmart, Target, Starbucks, Best Buy, and even at your local grocery store. Then when you buy something from the store, you earn even more kicks. Earn enough kicks, and you'll get rewarded with free gift cards to the store of your choosing. Surprisingly, it doesn't take much to earn things like a $5 Starbucks gift card. You'll also be kept updated with new coupons and deals at your favorite stores so you can save even more. An insider tip to quickly add up kicks is to follow&nbsp;<a href="https://www.facebook.com/SHOPkick">ShopKick on Facebook</a> as they update their feed with new ways to earn free kicks.</p> <h2>4. Mobee</h2> <p><a href="http://www.mobeeapp.com/">Mobee</a> touts themselves as a &quot;fun, new way to make money on your phone.&quot; Once downloaded to your smartphone, the app works by displaying &quot;missions&quot; in your local area that pay you money to complete. The missions are displayed on a map allowing you to quickly see which ones you can easily perform on your next shopping trip. The idea is that you're going to be there anyways, so why not earn a couple bucks in the process?</p> <p>For example, your local Starbucks might have a mission that requires you to answer a few questions about your visit. Most missions give you 250&ndash;750 points and a $5 Starbucks gift card is available after about 500 points. Earn 2,500 points at Walmart and trade your points in for a $25 gift card. I was happily surprised to see the points required to earn gift cards were very reasonable, making this app worth a look.</p> <h2>5. Receipt Hog</h2> <p><a href="http://receipthog.com/">Receipt Hog</a> allows you to cash-in on your shopping receipts. Unlike cash back apps like iBotta, Receipt Hog lets you earn rewards by scanning your receipt from ANY store and it doesn't matter what items you purchased. Once you earn 1,000 points, you'll be eligible for a $5 Amazon gift card or $5 sent directly to your PayPal account. You'll earn 50&ndash;100 points per receipt making a free $5 pretty easy to obtain. I've been using this app for a few months and have already earned $25 in Amazon gift cards with very little effort.</p> <h2>6. Loot!</h2> <p>The folks at&nbsp;<a href="http://earn.loot-app.com/">Loot!</a> have created an app that lets you earn rewards by sharing, typically via social media, recent experiences with a particular brand or retailer. These experiences often require you to snap a picture to share, but not always. For example, you might be asked to snap a picture of a movie you're viewing and share it on Facebook, or perhaps share a print advertisement for a particular product via Twitter. These tasks typically pay in the $0.50 to $1.75 range.</p> <p>You can also earn $0.05 for a Twitter and Facebook &quot;shout out&quot; on specific products and brands that Loot! is currently promoting. The app automatically links your social media accounts making it a simply process to perform a shout out.</p> <h2>7. Gigwalk</h2> <p>When you're out-and-about, on a shopping trip, or simply taking a stroll through town, use the&nbsp;<a href="http://www.gigwalk.com/">Gigwalk app</a> to earn some extra cash by completing small tasks. A couple &quot;gig&quot; examples include $10 for taking a dog on a walk or $4 for taking a picture of a store display. The closer you live to a large metropolitan area, the more gigs will be available to you. While the app is appealing as a cool way to earn a few extra bucks, the negative reviews of the app revolve around not enough gigs available and a waiting period for approval that often exceeds a week. But it definitely has potential and is worth being on your radar screen.</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/find-a-side-gig-at-these-4-best-micro-jobs-sites?utm_source=wisebread&amp;utm_medium=seealso2&amp;utm_campaign=article">Find a Side Gig at These 4 Best Micro-Jobs Sites</a></p> <h2>8. Field Agent</h2> <p>Somewhat similar to Gigwalk,&nbsp;<a href="https://app.fieldagent.net/">Field Agent</a> pays you to do small jobs in your local area. The biggest difference between the two apps is that Field Agent is more shopping-focused and has &quot;jobs&quot; at locations like Costco, RiteAid, Safeway, and Marshalls. Jobs are first come first serve, pay between $2 and $15, and must be accomplished within two hours of accepting. An example of a past Costco job was an &quot;egg audit,&quot; which for $7, required you record the egg sizes, egg prices, and count the number of egg products in the warehouse. An easy $7 in your pocket if you're on your way to Costco anyways. Similar to Gigwalk, the closer you live to a metropolitan area, the more jobs will be available to you via the app.</p> <p>Free for&nbsp;<a href="https://itunes.apple.com/US/app/field-agent/id364946558">iOS</a> and&nbsp;<a href="https://play.google.com/store/apps/details?id=net.fieldagent">Android</a>.</p> <p><em>How do you use your smartphone to earn a little extra money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</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-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</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/the-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</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-cool-companies-that-pay-you-for-referring-friends">10 Cool Companies That Pay You for Referring Friends</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology apps gift cards groceries ibotta online shopping rewards smartphones swagbucks Fri, 27 May 2016 10:30:04 +0000 Kyle James 1717319 at http://www.wisebread.com 6 Ways Social Media Can Save You Money http://www.wisebread.com/6-ways-social-media-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="/6-ways-social-media-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/girl_work_from_home_000092732035.jpg" alt="Woman finding ways social media saves her money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While using popular social media platforms is a fun way to stay connected with family and friends, perhaps the most useful benefit is tapping into a new way to save money. Whether it be through negotiating a lower monthly bill, scoring a coupon, or finding the best local deals, with just a little bit of effort you can <a href="http://www.wisebread.com/5-surprising-ways-social-media-stars-make-money" target="_blank">use social media</a> to save hundreds of dollars every year. Here are some easy to implement tips to get you started in the right direction.</p> <h2>1. Learn to Negotiate a Lower Bill Via Twitter</h2> <p>Most large companies these days have employees who do nothing but monitor their social media feeds and respond directly to customer inquiries and complaints. Because of this, when it comes to negotiating a lower monthly bill, Twitter has become an excellent way to start the conversation. For example, I was recently able to do this with the folks at Verizon by accident when I responded to a friend's Tweet discussing cheaper cell phone services. Within minutes of my Twitter response, I had a Verizon representative send me a message via Twitter asking if they could help lower my bill. With their proactive help, I was able to lower my bill by $10 a month.</p> <p>This experience led me to investigate other companies that respond quickly via Twitter, and sure enough I found many that did &mdash; namely Dish Network, DirecTV, AT&amp;T, and Sprint. Simply send a direct Tweet to the company, or respond to someone else talking about the company, and drop the hint that you're seriously considering leaving the company for a cheaper alternative. In many cases, you'll quickly get a response with actionable ways to lower your bill. Could be a phone number to call, or even better, the company representative will personally help you lower your bill.</p> <h2>2. Use Facebook Messenger to Ask for a Coupon</h2> <p>Facebook Messenger has also become a great tool to score a deal or coupon. Simply visit the retailer's Facebook page, click on the &quot;Message&quot; button, and send them a polite message asking if they have a coupon code for free shipping or perhaps 15% or 20% off your purchase. Most big-name retailers have staffers standing by to respond to your message, often within minutes. The best part is they are armed with exclusive coupons and are ready to hand them out. After all, they know you're very close to completing your purchase and will often throw you a bone to do just that. So when you can't find a coupon in the more traditional ways, be sure to use Facebook Messenger to avoid paying full price.</p> <p>Also, if the retailer does not have a current coupon to hand out, I've had some let me know via Messenger when a new coupon was going to be released. I'd then wait and make my purchase with the money saving coupon in-hand.</p> <h2>3. Instagram Descriptions Often Have Coupons</h2> <p>Using Instagram to save money with coupons is not something that immediately comes to mind for most shoppers. But the fact of the matter is many retailers and restaurants are starting to use their Instagram profile pages to drop new coupons and deals. For example, I just recently used a coupon on the Dunkin' Donuts profile page to get a free cup of coffee with my doughnut purchase. The key to making this work is to follow your favorite shops and restaurants and get in the habit of checking their Instagram page before you complete your purchase.</p> <h2>4. Search Pinterest Boards for Deals</h2> <p>When it comes to saving money, Pinterest is a great tool but requires a different approach. Because Pinterest is a very static platform, searching for deals/coupons with hashtags is going to leave you frustrated with the lack of results. Instead, you'll want to search &quot;boards&quot; for deals and coupons to particular retailers that users have pinned. Boards are essentially a collection of saved pins and are often kept up-to-date by users. To make this happen, you'll type in your search in the search box, hit the filters button to include boards in your search, then hit enter. By doing it this way, you'll typically get the newest pins which includes a majority of coupons and deals that have yet to expire.</p> <h2>5. Become a Hashtag Superhero</h2> <p>By becoming proficient at using the underrated Twitter hashtag (#), you can quickly find where the best deals are located for specific items. For example, let's say you're in the market for a new mountain bike. A fantastic way to search the entire Internet for a great deal is go on Twitter and search #MountainBike #Deal (or #Sale), or #MountainBike #Coupon. Often Twitter users will combine hashtags when searching, like #MountainBikeCoupon and get frustrated with the results. But if you make it a habit of breaking-up the hashtags, you'll end up with a large list of discounts and coupons that you can use to quickly find the best deals.</p> <p>Also, a great way to localize your search, especially for larger items that are expensive to ship, is to add your hometown to your search query. So sticking with the mountain bike example, do a Twitter search like this: #Sacramento #MountainBike #Sale. You'll end up with search results that can easily lead you to the best current deals and sales in your area.</p> <h2>6. Use Live Chat the Right Way</h2> <p>Most online shoppers are familiar with the live chat feature that many websites operate. Have a question about the product, or want to know more about sizing? The live chat operator typically has the answers. But have you ever started a live chat session for the sole purpose of saving money? If not, you should try it as it often works. I like to start the chat sessions with a question about the product as I don't want it to seem like a gratuitous discount hunter.</p> <p>Once I chat them up a little bit, I'll politely ask if they have a coupon code I can use on my order. Maybe shipping is a little costly, or perhaps a competitor has a slightly cheaper price &mdash; both solid reasons to ask for a coupon. In many cases, the operator has a few coupon codes they can hand out at their discretion. So the bottom line is to be polite, have a real conversation, and you stand a great chance of getting a coupon code you can use to save money.</p> <p><em>How do you use social media to save money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-ways-social-media-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-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-score-a-last-minute-coupon">6 Ways to Score a Last-Minute Coupon</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-10-best-couponing-apps">The 10 Best Couponing 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/social-media-an-easy-source-of-coupons">Social Media: An Easy Source of Coupons</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-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</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/5-surprising-ways-social-media-stars-make-money">5 Surprising Ways Social Media Stars Make Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology coupons customer service deals discounts Facebook hashtags instagram social media twitter Tue, 17 May 2016 09:00:10 +0000 Kyle James 1708162 at http://www.wisebread.com 7 Apps for the Tech-Challenged Traveler http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-for-the-tech-challenged-traveler" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000059692012_Large.jpg" alt="using a travel app even though she isn&#039;t tech savvy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is an app for everything these days, from apps that allow you to see constellations in the sky, to others that can control the temperature of your house. When it comes to traveling, there are more apps than you could count, but some of them are a bit confusing to operate. Here are seven of my favorite apps that can make travel easier for you, and you don't have to be a tech expert to use them. (See also: <a href="http://www.wisebread.com/5-money-saving-travel-gadgets?ref=seealso">5 Money Saving Travel Gadgets</a>)</p> <h2>1. Trail Wallet</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trail_wallet.jpg" width="605" height="521" alt="" /></p> <p>This friendly budget helper is the best app on the market for keeping track of your expenses while on the road. There are a few categories already included in the app, like accommodation, food, and transport, but you can also include your own.</p> <p>Every time you make a purchase, you can simply input the amount into the app in the local currency. It will automatically convert it into your home currency and create handy pie charts and graphs so that you can see how your budget is divided.</p> <p>The app is only available for <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8&amp;uo=8&amp;at=11l9Wj">iOS</a>. The first few purchase inputs are free, but to get full use of the app, you'll have to pay $1.99.</p> <h2>2. Packing Pro</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/packing_pro.jpg" width="605" height="523" alt="" /></p> <p>We've all experienced that awful moment when we leave the house and then realize that we forgot our most important travel item. The Packing Pro app helps put an end to this by allowing users to create handy checklists of everything that they want to bring on a trip.</p> <p>Simply create a packing list, then hit the check button as you put each item into your luggage.</p> <p>The $3 app is only available on <a href="https://itunes.apple.com/au/app/packing-pro/id312266675?mt=8">iOS</a>.</p> <h2>3. XE Currency</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/xe_currency.jpg" width="605" height="521" alt="" /></p> <p>I never leave home without making sure that my XE app is up to date. This simple, yet incredibly useful tool keeps track of multiple currencies for you and converts them into your home currency.</p> <p>If you're planning a 10-country trip, add all of the currencies from your planned destinations into the app and it will allow you to easily convert any purchases on-the-go. Spending 300 <em>baht </em>in Thailand? Type it into the app and instantly see the equivalent in USD.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.xe.currency&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/hr/app/xe-currency/id315241195?mt=8">iOS</a>.</p> <h2>4. TripAdvisor</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/trip_advisor.jpg" width="596" height="300" alt="" /></p> <p>If you're a TripAdvisor traveler like myself, and you like to know how a restaurant stacks up before eating there, download the TripAdvisor app onto your smartphone before you leave home.</p> <p>The app doesn't have full functionality when offline, but you can still use its navigation feature and check reviews of different restaurants, hotels, and activities on-the-go. You can download city maps and reviews as well if you plan to use it without an Internet connection.</p> <p>When using data, the &quot;Near Me Now&quot; function can be very useful for finding top-rated restaurants within a one-kilometer radius.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.tripadvisor.tripadvisor&amp;hl=en&amp;referrer=utm_download_tracking=Brand_AppPage_0_10568#_=_">Android</a> and <a href="http://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.http%3A__2F____2F__itunes__2E__apple__2E__com__2F__us__2F__app__2F__tripadvisor__2F__id284876795__3F__mt%3D8__26__pt%3D14124__26__ct%3DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.1997bccf622c70c69.html">iOS</a>.</p> <h2>5. Navmii</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/navmii.jpg" width="570" height="421" alt="" /></p> <p>My personal favorite navigation app, this one works without using any data at all. Some maps are available free of charge, while some add-ons and extra maps are available for a small fee.</p> <p>If you've been using Google Maps for your navigation, Navmii will feel like a dream. It's much more intuitive and easy to follow than Google's BETA navigation feature and the best part is that it doesn't need to use data to give you directions. As each map is downloaded locally to your device, the app is very quick to load and easy to use.</p> <p>The app is free for <a href="https://play.google.com/store/apps/details?id=com.navfree.android.OSM.ALL">Android</a> and <a href="https://itunes.apple.com/gb/artist/geolife-ltd./id345881276">iOS</a>.</p> <h2>6. Google Hangouts App</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/google_hangouts.jpg" width="605" height="521" alt="" /></p> <p>Even if you have the Skype app on your phone, you should consider getting Google Hangouts, too. Why? It generally has better connection than Skype, but the main reason it's better is because you can call almost any number in the U.S. or Canada for free.</p> <p>So if you're an American traveling overseas, you can call your friends and family without paying a cent! This app can be a huge money saver for frequent travelers.</p> <p>The app is free on <a href="https://play.google.com/store/apps/details?id=com.google.android.talk&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/us/app/hangouts/id643496868?mt=8">iOS</a>.</p> <h2>7. Vivino</h2> <p>This final app is really just for <em>winos</em>, but it's a very good one to have in your pocket. If you're like me, you like to try lots of local wines while you're traveling, but often the labels aren't in English and you really have no idea what the tasting notes are, or how many awards the winery has won.</p> <p>With the Vivino app, you can simply take a photo of the wine bottle's label and the app will find the bottle from its archive of over 3 million wines. It will then display reviews from other users (of which there are 14 million), tasting notes, awards and even offer you other wines you may like based on your selection.</p> <p>It will also tell you where the closest store is to buy the bottle and where you can get it cheaper! This is the world's most popular and most practical wine app.</p> <p>The app is free on <a href="https://www.vivino.com/redirect/play">Android</a> and <a href="https://www.vivino.com/redirect/appstore">iOS</a>.</p> <p><em>What are your favorite travel apps? Share with us in the comments!</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-apps-for-the-tech-challenged-traveler&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%20Apps%20for%20the%20Tech-Challenged%20Traveler.jpg&amp;description=7%20Apps%20for%20the%20Tech-Challenged%20Traveler" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Apps%20for%20the%20Tech-Challenged%20Traveler.jpg" width="250" height="374" align="middle" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-minimize-cell-phone-charges-when-you-travel-abroad">How to Minimize Cell Phone Charges When You Travel Abroad</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-surprising-ways-your-smartphone-can-keep-you-and-your-family-safe">6 Surprising Ways Your Smartphone Can Keep You and Your Family Safe</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-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel apps smartphone tech challenged tech savvy technology traveling Thu, 28 Apr 2016 09:30:25 +0000 Nick Wharton 1699082 at http://www.wisebread.com 6 Free Debt Management Tools http://www.wisebread.com/6-free-debt-management-tools <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-free-debt-management-tools" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_using_smartphone_000040508552.jpg" alt="Woman using free debt management tools" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average American looks at his or her phone <a href="http://time.com/4147614/smartphone-usage-us-2015/">46 times every day</a>.</p> <p>That number is even higher among U.S. Millennials: individuals in the 18&ndash;24 age bracket and the 25&ndash;34 age bracket check their mobile devices 74 and 50 times per day, respectively. With all this time spent on their smartphones, Americans can leverage their devices to improve their personal finances at no extra cost. Additionally, there are some key tools that allow you to corroborate the data that you gather from those apps.</p> <p>Here are six free smartphone apps or tools to track debt management.</p> <h2>1. ReadyForZero</h2> <p>Since 2011, ReadyForZero has helped individuals to track their debts and pay down those debts. Available for <a href="https://itunes.apple.com/us/app/readyforzero-pay-off-debt/id524834938?mt=8&amp;uo=4">Apple</a> and <a href="https://play.google.com/store/apps/details?id=com.readyforzero">Android</a> devices, this app enables you to link all of your debts, including student loans, credit cards, and mortgages, to create a personalized payoff plan and track your progress. Once you have connected all of your accounts, you'll be able to keep tabs on how much you have paid off and how much you still have remaining.</p> <p>The nicest feature about ReadyForZero is the immediate gratification of tracking your daily and monthly progress, including the interest that you save over time. ReadyForZero partners with TransUnion to provide you with free access to your&nbsp;<a href="http://thescore.vantagescore.com/article/98">VantageScore&reg; 3.0</a> credit score.</p> <h2>2. Mint: Money Manager, Budget, and Personal Finance</h2> <p>On top of helping you track your debts, the Mint app enables you to gather all of your financial information into one place. Besides your debt accounts, you can connect your bank and investment accounts to get a full snapshot of your financial standing at all times.</p> <p>The main draw of Mint is its budget feature, which allows you to create monthly budgets and track how much you have left for each category, such as gas, groceries, and education. If you provide your social security number, the app allows you to track your credit score with Equifax. The app is available for <a href="http://www.amazon.com/Intuit-Mint-com-Personal-Finance/dp/B004T2P7MQ">Amazon</a>, <a href="https://itunes.apple.com/us/app/mint-personal-finance/id300238550?mt=8">Apple</a> (designed for iPhone, iPad, and Apple Watch), and <a href="https://play.google.com/store/apps/details?id=com.mint&amp;hl=en">Android</a> devices.</p> <h2>3. Prosper Daily</h2> <p>Formerly known as BillGuard, the Prosper Daily app is an alternative to Mint. Besides tracking your spending and credit, Prosper Daily focuses on protecting your credit cards against fraud and unfair charges. For example, the app can use location-based technology to alert you when your credit or debit card is used at a store or AMT when you're not there. If you provide your social security number, the app allows you to track your credit score with TransUnion. Prosper Daily is available for <a href="https://itunes.apple.com/app/id602710567?mt=8">Apple</a> and <a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en">Android</a> devices.</p> <h2>4. AnnualCreditReport.com</h2> <p>No matter what app you use to track your debt and credit score, you should corroborate that data against your official credit report once a year. Through <a href="http://www.annualcreditreport.com/">AnnualCreditReport.com</a>, you can request your free credit report every 12 months from each credit reporting company (Experian, TransUnion, and Equifax). This report allows you to verify that you only have accounts and loans that you recognize on file.</p> <p>Since your credit report may affect your mortgage rates, credit card approvals, credit scores, and apartment requests, you should be on the lookout for potential inconsistencies, such as accounts that you didn't open, addresses of employers that you didn't work for, or information that should no longer be on your credit report, such as an over 10-year old bankruptcy.</p> <p>If you find an error, you can dispute it by reporting it to the credit reporting bureaus online, by mail, or by phone.</p> <p>Keep copies of your initial dispute letter and supporting documents, and communications with the credit reporting bureaus.</p> <h2>5. Compound Interest Calculator</h2> <p>When you're trying to pay down debt faster, you want to maximize how much interest you're gaining so that you can make additional payments towards your debts whenever possible. This <a href="http://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php">compound interest calculator</a> allows you to work out the compound interest on your savings and investments, including a breakdown of monthly interest gains and the option to list regular monthly deposits or withdrawals.</p> <h2>6. Check Deposit App From Your Bank</h2> <p>Many Americans opt to have their bi-weekly or monthly salary checks directly deposited to their checking or saving accounts. However, every now and then you may receive an additional paper check, such as a dividend payout from an investment account, a lucky windfall from your aunty for your birthday, or a check from a class action.</p> <p>In those instances, you could skip the trip to the bank by using the mobile deposit app from your bank to deposit checks in your account. For example, my credit union allows me to make deposits directly into my checking, saving, or money market accounts using a &quot;check snap&quot; mobile deposit account. Such an app is useful to save time making deposits and helps boost monthly payments to your financial obligations. (See also: <a href="http://www.wisebread.com/9-good-reasons-to-choose-a-credit-union-instead-of-a-bank?ref=seealso">9 Good Reasons to Choose a Credit Union Instead of a Bank</a>)</p> <p>Make sure to check applicable rules, such as signing the back of your check and writing a disclaimer that check is for mobile deposit only, technical requirements, and processing times.</p> <p><em>What are other free apps or software to track debt management?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/6-free-debt-management-tools">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</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/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-apps-for-business-owners-on-the-go">5 Apps for Business Owners on the Go</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Technology apps calculators debt tracking mobile deposit money management smartphones websites Tue, 26 Apr 2016 10:00:13 +0000 Damian Davila 1696223 at http://www.wisebread.com 8 Ways to Save on Smartphone Costs While Traveling http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-save-on-smartphone-costs-while-traveling" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000075854865_Large.jpg" alt="saving money with her smartphone while traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are two basic necessities that everyone needs when traveling in the 21st century: Their passport and their smartphone. But using data, roaming, and making long distance calls while traveling can cost a fortune. Here are a few basic ways that you can save money by using your smartphone while on the road. (See also: <a href="http://www.wisebread.com/12-ways-to-save-and-make-money-while-traveling?ref=seealso">12 Ways to Save and Make Money While Traveling</a>)</p> <h2>1. Unlock Your Phone and Buy Local SIMs</h2> <p>Before you leave home, you should always make sure that your smartphone is unlocked so that you can buy local SIM cards in the countries you're traveling to. Roaming data and local calling charges, as well as long distance calls, will quickly ramp up your bill, so unlocking your phone and buying a local SIM card will effectively pay for itself.</p> <p>To unlock your phone, you can do a quick Google search: &quot;Unlock Smartphone + Your City&quot; to find a local tech guy who can do it for you, or you can <a href="http://www.digitaltrends.com/mobile/phone-unlocking-guide-for-all-carriers/">do it yourself</a>. Unlocking your phone is completely legal as long as you've completed your initial contract with your carrier.</p> <p>Once your phone is unlocked, you'll be able to use it with any carrier around the world. Pay-as-you-Go SIM cards are extremely cheap in most countries. For example, in Italy you can get 1GB Data, 50 minutes of calling, and 1000 SMS for just &euro;20 (about $22 U.S.) per month, including the cost of the SIM card.</p> <p>If you've ever traveled with your U.S. mobile plan and used it while on the road, your bill was likely much higher than this when you returned home. You can pick up local SIM cards at most airports upon arrival into a new country, and there are numerous stores in every town where you can buy them as well. Just make sure you have your passport with you for the initial sign-up process.</p> <h2>2. Download Maps</h2> <p>If you're a frequent user of the Google Maps app, then you'll want to download the apps for the cities you'll be visiting while you're on Wi-Fi. If you don't do this, then every time you zoom in and out of the map and search for locations, you'll be using your data.</p> <p>To download a map, simply connect to Wi-Fi, open the app, zoom over the city or area that you want to download and type &quot;ok maps&quot; into the search field. A bar will then appear that says: &quot;Download.&quot;</p> <p>Then the map will be downloaded to your smartphone for use offline. The phone will even continue to track your location on the map when you're not connected the Internet, making offline navigation a breeze.</p> <p>This function can save a lot of money on data, but it also makes the app quicker to load and easier to use.</p> <h2>3. Download TripAdvisor Content</h2> <p>This can be another big data saver. If, like me, you like to search reviews before checking out a site, eating in a restaurant, or taking a tour, then you're constantly using the TripAdvisor app and your data adds up quickly. The app (available on <a href="https://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.http%3A__2F____2F__itunes__2E__apple__2E__com__2F__us__2F__app__2F__tripadvisor__2F__id284876795__3F__mt%3D8__26__pt%3D14124__26__ct%3DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.1997bccf622c70c69.html">iOS</a> and <a href="https://www.tripadvisor.com/ShowUrl-a_partnerKey.1-a_url.https%3A__2F____2F__play__2E__google__2E__com__2F__store__2F__apps__2F__details__3F__id%3Dcom__2E__tripadvisor__2E__tripadvisor__26__hl%3Den__26__referrer%3Dutm__5F__download__5F__tracking%253DBrand__5F__AppPage__5F__0__5F__10568-a_urlKey.e5a13a25ef3b7f599.html">Android</a>) now has excellent offline functionality.</p> <p>Adam Medros, senior vice president of global product for TripAdvisor says, &quot;More and more travelers are making spur-of-the-moment decisions about where to go and what to do and need a useful travel resource. Travelers can now access user reviews, photos, and maps throughout their trip to help them pick last-minute hotels, restaurants, and attractions to visit &mdash; all while avoiding costly roaming charges.&quot;</p> <p>To download the content from the app, simply search the city where you'll be traveling and tap the &quot;download city content&quot; button. Once downloaded, the app will give you 10 reviews per point of interest when no data connection is available, and the full live version of the app when it connected to data or Wi-Fi.</p> <h2>4. Connect to a Hotspot Database</h2> <p>We all enjoy free Internet connections while on the road. Whether there's free Wi-Fi in a public park, at a cafe, or in a hotel, it's great to know which signals are strongest and which ones are free to connect to.</p> <p>If you want to save money on data and connect to free Wi-Fi whenever possible, download the WeFi app. The app includes a list of over 100 million Wi-Fi hotspots around the world, and you can view them easily on the in-app map.</p> <p>You can download WeFi free on <a href="https://itunes.apple.com/us/app/wefi-pro/id594461043?mt=8">iPhone</a> and <a href="https://play.google.com/store/apps/details?id=com.wefi.wefi">Android</a>, but it runs in the background and can be a huge battery drainer, so I recommend only turning it on when you need to find a hotspot.</p> <h2>5. Tether Up</h2> <p>This is only a real money saver if you're at an airport or a cafe that has &quot;limited free Internet access.&quot; You know when you're at the airport checking emails and after 15 measly minutes a pop-up appears and asks you to pay a ridiculous fee for more time?</p> <p>This is when using data is probably cheaper than paying for the hotspot. To tether your phone, simply open the wireless settings on your phone and turn on &quot;Personal Hotspot.&quot; If you don't know how to do it, PCWorld will show you how it's done on <a href="http://www.pcworld.com/article/199280/How_To_Tether_Your_Android_Phone_For_Free.html">Android</a> and on <a href="http://www.pcworld.com/article/240794/how_to_tether_your_iphone.html">iPhones</a>.</p> <p>If the Personal Hotspot button isn't in your settings, navigate into Cellular Data settings. Copy the VPN next to Cellular Data and paste it into the box next to APN in the Personal Hotspot section. If this still doesn't work, you may have to download a <a href="http://mashable.com/2012/08/16/free-tethering-apps/#w_Ta3SWeSmqo">tether app</a>.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/tethering_smartphone.jpg" width="341" height="605" alt="" /></p> <h2>6. Find Free Wi-Fi Coupon Codes</h2> <p>If you can't tether your phone and you still don't want to pay for the expensive hotspot, you can search online for free coupon codes. Sometimes cafes in airports or malls will give you a free code when you purchase a coffee.</p> <p>If you don't want to spend a cent for Internet, do a quick Google search with something like: &quot;hotspot name + coupon code.&quot; Sometimes you can find a free coupon for 15 minutes on a coupon site.</p> <h2>7. Join a Password Sharing Community</h2> <p>Sharing is caring, right? There are some excellent apps available where users can share the Wi-Fi passwords of different hotspots around the world. The Instabridge app (free on <a href="https://play.google.com/store/apps/details?id=com.instabridge.android&amp;hl=en">Android</a> and <a href="https://itunes.apple.com/us/app/instabridge-3-million-wifi/id971679641?mt=8">iOS</a>) is the best password sharing app because it has a database of three million hotspots worldwide, and you can even find passwords while offline.</p> <h2>8. Use Google Hangouts for Calling</h2> <p>Long distance calls can cost a fortune, and while calling home from Skype is generally a lot cheaper, it's not free. This is where the Google Hangouts app can come in really handy. This app allows you to call almost any number in the U.S. and Canada free of charge. Simply hook up to Wi-Fi and call your loved ones from this app and you won't pay a cent.</p> <h2>Be Smart With Your Smartphone</h2> <p>There are lots of money-saving apps that you can use while traveling, and by downloading your maps and buying local SIMs, you can save even more money.</p> <p><em>Do you travel with your smartphone? How do you avoid costly roaming charges? Please share in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</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/14-useful-items-hotels-usually-provide-for-free">14 Useful Items Hotels Usually Provide for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-minimize-cell-phone-charges-when-you-travel-abroad">How to Minimize Cell Phone Charges When You Travel Abroad</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-ways-to-save-on-accommodations-online">8 Ways to Save on Accommodations Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel apps money-saving apps smartphone technology travel hacks travel tips Tue, 26 Apr 2016 09:00:05 +0000 Nick Wharton 1697716 at http://www.wisebread.com Best Money Tips: Amazing Ways Life Will Be Different in 2030 http://www.wisebread.com/best-money-tips-amazing-ways-life-will-be-different-in-2030 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-amazing-ways-life-will-be-different-in-2030" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/future_virtual_reality_000085072905.jpg" alt="Woman finding amazing ways life will be different in 2030" 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 amazing ways that life will be different in 2030, great family deals for April, and how to use LinkedIn to get your dream job.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.kiplinger.com/slideshow/business/T057-S010-amazing-ways-life-will-be-different-in-2030/index.html">20 Amazing Ways Life Will Be Different in 2030</a> &mdash; By 2030, your fridge will do your grocery shopping for you! [Kiplinger]</p> <p><a href="http://parentingsquad.com/family-shopping-guide-8-great-deals-for-april">Family Shopping Guide: 8 Great Deals for April</a> &mdash; New models of vacuum cleaners will be rolling out in June, so older models are seeing deep discounts right now &mdash; just in time for spring cleaning! [Parenting Squad]</p> <p><a href="http://www.popsugar.com/smart-living/Tips-Using-LinkedIn-39363128">7 Ways You Can Use LinkedIn to Snag Your Ultimate Dream Job</a> &mdash; Hiring managers will likely get their first impression of you through your LinkedIn profile, so provide as much information as you can about your experience and interests. [PopSugar Smart Living]</p> <p><a href="http://www.shebudgets.com/personal-finance/how-to-save-money/four-things-that-you-can-buy-at-costco-to-justify-the-membership-price/67212">Four Things That You Can Buy at Costco to Justify the Membership Price</a> &mdash; The savings you receive from buying a set of new tires at Costco would easily cover your membership fee &mdash; and then some! [SheBudgets]</p> <p><a href="http://www.experian.com/blogs/news/about/creditchat/favorite-apps-organize-financial-life/">Favorite Apps to Organize Your Financial Life</a> &mdash; Do you use financial apps? Join Experian's #CreditChat tomorrow at 3 p.m. ET for a discussion on the different types of financial apps and how they can help you achieve your goals. [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0323/Concerned-about-how-the-election-will-affect-your-finances-You-re-not-alone">Do you have the right gear for summer cycling?</a> &mdash; A good pair of padded shorts will help you stay comfortable while you ride. They're designed to soften contact, reduce friction, and keep you dry to prevent saddle sores. [The Monitor]</p> <p><a href="http://www.livingwellspendingless.com/2016/04/01/10-things-can-take-off-calendar/">10 Things You Can Take OFF Your Calendar</a> &mdash; There are some things that we do solely because of guilt. Give yourself permission to say no to things that take you away from your priorities. [Living Well Spending Less]</p> <p><a href="http://www.adebtfreestressfreelife.com/spring-clean-the-garage/">4 Steps To Spring Clean The Garage</a> &mdash; If you don't already have them, get shelving units, cabinets, bins, hooks, or bike racks to help organize your garage. [A Debt Free Mess Free Life]</p> <p><a href="http://blog.readyforzero.com/7-last-minute-things-to-get-done-before-the-start-of-summer/#.VwKT2T997JM">7 Last Minute Things to Get Done Before The Start of Summer</a> &mdash; Summer activities can eat into your budget, so it's important to have a healthy emergency fund to cover any unexpected expenses. [ReadyForZero]</p> <p><a href="http://naturemoms.com/blog/2016/04/04/5-ways-to-get-children-gardening/">5 Ways to Get Children Gardening</a> &mdash; Gardening is a fun way to keep your kids busy and allow them to learn useful life skills. One way to get them excited about gardening is to give them their own area to plant their favorite fruits and veggies. [Nature Moms Blog]</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-amazing-ways-life-will-be-different-in-2030">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-6"> <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/3-great-home-gadgets-that-can-save-you-real-money">3 Great Home Gadgets That Can Save You Real Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/5-surprising-ways-a-3d-printer-can-save-you-money">5 Surprising Ways a 3D Printer Can Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-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-solar-power-banks">The 5 Best Solar Power Banks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips life Tue, 05 Apr 2016 09:30:28 +0000 Amy Lu 1684923 at http://www.wisebread.com 4 Best Tools for Tracking Your Rewards Miles http://www.wisebread.com/4-best-tools-for-tracking-your-rewards-miles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-best-tools-for-tracking-your-rewards-miles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000066208635.jpg" alt="Woman using best tools for tracking reward miles" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of the most challenging aspects of <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">earning points and miles</a> is keeping track of all of your accounts. Every airline, hotel, car rental company, and credit card program has a separate account, each with its own user name, password, current balance, and possibly an expiration date. It's not that unusual for frequent travelers to have more than a dozen accounts to manage. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso">Best Credit Cards with Travel Rewards</a>)</p> <p>Thankfully, there are a few tools that can help you collect all this information, view it all in one place, and even help you use it efficiently. You will never lose or forget about your hard earned rewards again!</p> <h2>AwardWallet</h2> <p><a href="https://awardwallet.com/#/">AwardWallet</a> is one of the oldest, and most popular websites for tracking points, miles, and other loyalty programs. It currently boasts over a third of a million users who use it to track nearly 70 <em>billion</em> points and miles. The basic version is free and will track the reward balances for an unlimited number of programs for you and your family members. It will also track your travel plans and notify you via email when your balances are about to expire. AwardWallet Plus is available for a donation (the amount at your discretion) and includes extra reward account properties, a historical account balance chart, and the ability to export the information to an Excel format.</p> <h2>Points.com Loyalty Wallet</h2> <p><a href="http://www.jdoqocy.com/click-2822544-11373616-1368501104000">Points.com</a> is one of the leading companies that work with the <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles" target="_blank">loyalty programs of airlines</a>, hotels, and retailers. While much of its business is providing the technological backend to the companies that operate these programs, it also offers its Loyalty Wallet service to consumers, which can track and manage your accounts in over 110 different loyalty programs. While this may sound like a lot of companies, it's far from comprehensive. For example, there are notable absences such as British Airways, Wyndham, and Chase. However, Points.com is unique in that it offers users the ability to exchange points and miles between different programs, but at less than a 1:1 ratio. It also lets you redeem your points and miles for merchandise and gift cards. There is no charge to use this service.</p> <h2>Expert Flyer</h2> <p>Earning airline miles is one thing, but finding available award seats is a whole other task. <a href="http://www.shareasale.com/shareasale.cfm?merchantID=25056">ExpertFlyer</a> allows you to search for airlines award seats and upgrade availability quickly and easily. The basic subscription is $4.99 a month and it allows you to create seat alerts so you are notified when an award becomes available. The Premium version is $9.99 a month or $99 a year, and offers aircraft change alerts, saved queries, and a mobile edition. There is also a free version available with limited functionality.</p> <h2>Tripit Pro</h2> <p><a href="https://www.tripit.com/pro/features">Tripit Pro</a> is a travel organizing tool that produces detailed daily itineraries for every trip while providing real-time flight alerts and notifications. It also allows you to stay on top of all the points and miles that you earn from over 150 different travel rewards programs with its Point Tracker feature. And while other point tracking applications require you to manually enter your program details, Tripit Pro lets you forward your monthly and quarterly statements to their email address, and the program will automatically populate the information on your account. This program, which is accessible via both a web browser and a mobile app, will alert you when your points or miles are about to expire. Other features include a seat tracker, the ability to share itineraries, and notifications of when you are eligible for a flight refund. The cost to use Tripit Pro is $49 per year, but you can try it for free for 30 days.</p> <h2>Superfly</h2> <p><a href="https://www.superfly.com/#!/main/">Superfly</a> is an app that assists in many aspects of your travel planning including performing flight searches and viewing your travel history. In addition, it allows you to manage all of your reward points and miles in one place with its Rewards Dashboard. It will also estimate the value of your miles based on the cost of tickets and the benefits provided, and it supports adding accounts from friends and family members. Another novel feature is the Lounge section, which allows you to network with other frequent flyers who have the same status on a particular airline. Finally, making reservations through Superfly can enable you to receive 5%-10% cash back on hotel bookings.</p> <h2>Award Mapper</h2> <p><a href="http://awardmapper.com/">Award Mapper</a> is a simple website that offers a map based interface that allows you to search for hotels based on the loyalty program they are a member of. This is useful when you are looking to stay at a hotel and earn points in a particular program, or if you have points from one or more programs that you wish to use. There is no charge to use this app.</p> <p><em>What tools do you use for tracking reward miles? Share with us 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/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/4-best-tools-for-tracking-your-rewards-miles">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-7"> <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/credit-card-rewards-programs">Credit Card Rewards Programs</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/travel-perks-you-didnt-know-your-credit-card-had">12 Travel Perks You Didn&#039;t Know Your Credit Card Had</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-turn-groceries-into-gasoline">How to Turn Groceries Into Gasoline</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-tons-of-frequent-flyer-miles-without-flying">How to Earn Tons of Frequent Flyer Miles Without Flying</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-to-use-travel-rewards-cards-to-get-free-trips">9 Ways to Use Travel Rewards Cards to Get Free Trips</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping Technology Travel frequent flyer loyalty programs miles rewards programs Thu, 31 Mar 2016 09:00:09 +0000 Jason Steele 1666767 at http://www.wisebread.com 8 Tech Gadgets With the Best Resale Value http://www.wisebread.com/8-tech-gadgets-with-the-best-resale-value <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-tech-gadgets-with-the-best-resale-value" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beats_by_dre_000017638811.jpg" alt="Finding tech gadgets with the best resale value" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all know the story with technology. By the time you've opened the box, it's already out of date. As advances quickly move the latest and greatest tech gadgets into the &quot;out of date&quot; category, it's hard to know what to buy, and how much to spend.</p> <p>But, some tech gadgets are a better investment than others, holding their value well. So when the time does come to upgrade, these eight gadgets will still be worth a tidy sum.</p> <h2>1. Beats by Dre</h2> <p>They are not the best headphones on the market. To be honest, they're not even close to being the best, as far as technical specs are concerned. But when it comes to holding their value, <a href="http://amzn.to/1MrHlDg">Beats</a> are up there with the biggest and best studio headphones on the market. The reason is simple &mdash; people want them. They have a certain &quot;street cred&quot; that seems to be bullet-proof, and they also look pretty cool.</p> <p>You could pay up to $300 for a pair of <a href="http://amzn.to/1psUuGO">Beats Studio Wireless</a> headphones, brand new. The same make and model, used, will sell for close to the same price on eBay. That's not a big depreciation at all, especially for tech you actually wear. And if you buy limited edition models, they can actually go up in value.</p> <p>But to be clear, if you want a pair of <em>good </em>headphones that also hold their value, choose <a href="http://amzn.to/1S8jywz">Sennheiser</a>.</p> <h2>2. Apple iPad</h2> <p>It was the first tablet to take the gadget world by storm. It's still the tablet most people gravitate to, and it doesn't look like that will change anytime soon. The <a href="http://amzn.to/1S8jDAo">Apple iPad</a> came along in April of 2010, and after a small adjustment period (what is that thing and what does it do?), everyone was hooked. There have been many different types of iPad and competitor tablets released since, but it's the iPad that holds its value well.</p> <p>Now, if you have one of the first 2010 models, it won't get you much money used, as the tech is too dated. But more recent ones, you'll have no trouble reselling them for a good chunk of money. For example, a new iPad Air 2 with 64GB is over $600 after tax. The same one, used, is going for over $500 on eBay. Just remember, condition is everything, and original packaging makes a world of difference.</p> <h2>3. Game Consoles (Newer Models)</h2> <p>I was in the market for a Playstation 3 recently, and I figured I would be able to pick up a used one for $50 on Craigslist. Nope. A used one, with just one controller, was $100. Throw in more controllers and games, and you can expect to pay almost as much as a new one. Likewise, the Xbox 360, used, was fetching a tidy sum on Craigslist and eBay as well.</p> <p>If you take care of your consoles, keep the original box, and keep the games in great condition, you can expect the value of your gaming console to hold for quite a while. What's more, older consoles are making a comeback. An original NES system can easily fetch over $100, and some of the games are worth thousands.</p> <h2>3. Apple iPhone</h2> <p>Another one for Apple, and not surprisingly it's their flagship product. The iPhone is not even 10 years old yet (it was launched in 2007), but it has absolutely changed the way we all interact with the online world. And although Android phones are now surpassing iPhones in sales, they are not touching them when it comes to resale values. Do a quick search on eBay for completed listings and you'll see most iPhone 5 models are selling for around $200 (that's around half the price of a new 5s). If it's gold, quadruple that price. Even the original, clunky iPhone has value. In its box, you can get $80&ndash;$100 for it. If it's factory sealed&hellip;thousands.</p> <h2>4. Vintage Audio Equipment</h2> <p>If you want to get a tech gadget that will really hold its value well, don't buy new. Buy vintage. Right now, the comeback of vinyl means that a good record player (think Technics, NAD, Thoren) will not only be worth every penny, it will also hold its value for years. Or, in the case of designer models, rise significantly.</p> <p>What's more, you can still pick up great amplifiers, tape decks, turntables, and speakers for pennies on the dollar; especially if you know just what to look for in the thrift stores and garage sales. I recently picked up a Technics turntable for $15, in the original box, which is already worth over $100 on eBay. Not that I'm selling it! And after Eminem announced the re-release of his Slim Shady album on cassette, you can guarantee tape decks will be next to rocket in value. Grab one cheap while you can.</p> <h2>5. Fitbit Surge</h2> <p>Actually, a lot of wearable tech is holding its value well, including smartwatches and fitness trackers. The Fitbit Surge is definitely up there as one of the best for holding value. Right now, a new <a href="http://amzn.to/1MrIdHS">FitBit Surge</a> can set you back between $220&ndash;$250, while used ones are coming in at around the $150 mark. The reason, other than the sleek design and usability, is the onboard GPS tracking software. Not only can you chart distance and pace, but even elevation.</p> <h2>6. Google Chromecast</h2> <p>This is a no-brainer, as it's so affordable to begin with. But if you like buying products that hold their value, this is up there with Apple products. A new Chromecast will cost you $35 from most online retailers, and often it comes with Google Play credits. If you look up used ones on eBay or Craigslist, you'll see them priced between $20&ndash;$25, depending on condition, original box, and so on. It's an incredible useful little piece of tech, and the simplicity it takes to set up and use makes it an easy item to resell later.</p> <h2>7. Apple Watch</h2> <p>Third time's a charm for Apple, who continue to have a massive fanbase despite not producing a significant innovation for years. But whatever the current state of Apple's product line, its products continue to hold their value, and the <a href="http://amzn.to/1UmEuDj">Apple Watch</a> (shouldn't that be iWatch, or it that way too creepy?) is no exception.</p> <p>A new Apple Watch will cost you anywhere from $350&ndash;$12,000 (that's the 18K gold edition), while a used Apple Watch will sell for anywhere from to $130 to $15,000! Clearly some people have money to burn.</p> <p><em>Recognize any of your gadgets in this list?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-tech-gadgets-with-the-best-resale-value">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-power-banks">The 5 Best Power Banks</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/frugal-advice-for-the-gadget-addicted">Frugal Advice for the Gadget Addicted</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/longtime-mac-users-punished-for-loyalty">Longtime Mac Users Punished for Loyalty</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/tech-life-8-reasons-why-you-shouldn-t-be-an-early-adopter">Tech Life: 8 Reasons Why You Shouldn’t Be an Early Adopter</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/5-ways-to-avoid-buying-electronics-youll-regret">5 Ways to Avoid Buying Electronics You&#039;ll Regret</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology apple watch beats by dre electronics fitbit gadgets ipads smart tech Tue, 29 Mar 2016 10:30:06 +0000 Paul Michael 1678002 at http://www.wisebread.com 10 Fun Money Apps for Kids http://www.wisebread.com/10-fun-money-apps-for-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-fun-money-apps-for-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_daughter_tablet_000076004131.jpg" alt="Finding the best money apps for kids and families" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Think personal finance is an adults-only matter? Think again. You can start teaching your child smart money habits from a very young age. Whether you use points or dollars, the concepts will surely sink in if a little fun is involved. Here are 10 apps that will teach your kids about money &mdash; all while letting them play on their favorite devices.</p> <h2>1. Savings Spree</h2> <p><strong>Cost</strong>: $5.99 on iTunes</p> <p><strong>Ages</strong>: 7 and up</p> <p><strong>Rating</strong>: 4+ stars</p> <p><a href="https://itunes.apple.com/us/app/savings-spree/id430150476?mt=8">Savings Spree</a> doesn't just teach your kid how to count nickels and dimes. Instead, it focuses on how different lifestyle choices in the everyday can add up to either big savings or big expenses. Your child can earn, spend, donate, or invest &quot;money&quot; in a variety of scenarios, which are presented in a game show format for added interest. Along with teaching the basics, this app will even present your little one with the harsh reality of those unexpected expenses that necessitate an emergency fund. Important lesson, indeed!</p> <h2>2. P2K Money</h2> <p><strong>Cost</strong>: Free on iTunes</p> <p><strong>Rating</strong>: 4+ stars</p> <p><a href="https://itunes.apple.com/us/app/p2k-money/id405631656?mt=8">P2K Money</a> is all about teaching your child the value and responsibility of money &mdash; plain and simple. You can engage in the learning process together using tools for budgeting, spending, and savings of your kid's earnings, like an allowance. They can even create wish lists to save for the items they want to buy. And what's especially cool is that the app will save those wish lists so your little guy or gal can evaluate if those items were actually worth the expense.</p> <h2>3. Bee Farming</h2> <p><strong>Cost</strong>: $1.99 on iTunes</p> <p><strong>Rating</strong>: 4+ stars</p> <p><a href="https://itunes.apple.com/us/app/bee-farming/id358168136?mt=8">Bee Farming</a> gives your child the opportunity to start his or her own virtual business with a swarm of bees and just $100. Each week, the bees can go to work in the forest collecting honey that your child will &quot;sell&quot; in a market to earn more bees or other supplies. This is such a fun game, even adults play it and compete to earn a spot on the Top Farmers Board. What a great way to give your kid the basics on business, hard work, and managing expenses.</p> <h2>4. PiggyBot</h2> <p><strong>Cost</strong>: Free on iTunes</p> <p><strong>Ages</strong>: 6 to 8 years old</p> <p><strong>Rating</strong>: 4+ stars</p> <p>Even young kids with an allowance can jump in on&nbsp;<a href="https://itunes.apple.com/us/app/piggybot/id844151884?mt=8">PiggyBot</a> to collect a virtual allowance. This tool will help your child visualize his or her allowance and categorize it into what areas they'll spend, share, and save. This app also motivates kids to pick savings goals and gives them useful information for how much money they need to save and how long it will take them to save it.</p> <h2>5. The Game of Life</h2> <p><strong>Cost</strong>: $0.99 on iTunes and Google Play</p> <p><strong>Rating</strong>: 4+ stars</p> <p>Want to really disguise the financial learning experience? Try&nbsp;<a href="https://itunes.apple.com/us/app/game-life-classic-edition/id326912270?mt=8">The Game of Life</a> app, which is an electronic version of the favorite board game. Throughout play, your child will be encountered with a number of decisions that have them choosing between wise or risky investments. Players even have the chance to earn Wealth Cards that can stack up to $1,000,000. Plus, you can play with up to six friends, which makes it a great activity for the whole family.</p> <h2>6. Flocabulary</h2> <p><strong>Cost</strong>: $12/month or $96/year</p> <p><strong>Ages</strong>: 11 to 18</p> <p><a href="https://www.flocabulary.com/">Flocabulary</a> takes on yet a different approach for older kids, with catchy songs, rap battles, and videos about&nbsp;<a href="https://www.flocabulary.com/topics/financial-literacy/">financial literacy</a> (plus many more subjects and life skills). The topics range from paying for college to budgeting to credit cards to goal setting, and beyond. Since the cost for this service is somewhat steep compared to the other apps on this list, you may want to check with your local school district to see if it's available to your child through school. You can also get&nbsp;<a href="https://www.flocabulary.com/trial/individual/">free trial</a> to check it out for 14 days.</p> <h2>7. Save! The Game</h2> <p><strong>Cost</strong>: Free on iTunes</p> <p><strong>Rating</strong>: 4+ stars</p> <p>The object in&nbsp;<a href="https://itunes.apple.com/us/app/save%21-the-game/id360805496?mt=8">Save! The Game</a> is to collect as much virtual money as possible and put it in the bank. Along the way, your child will need to avoid &quot;iWannas&quot; &mdash; you know, impulse buys like soda, toys, candy, and more. One reviewer downloaded this game before a long car trip and said that after playing, his kids engaged in a great discussion about avoiding &quot;iWannas&quot; in life, not just on the screen.</p> <h2>8. Bankaroo</h2> <p><strong>Cost</strong>: Free on iTunes</p> <p><strong>Rating</strong>: 4+ stars</p> <p><a href="https://itunes.apple.com/us/app/bankaroo-virtual-bank-for/id504924470?mt=8">Bankaroo</a> is another great allowance-tracking app that is also unique because offers different currencies. In fact, you can track funds using U.S. Dollars, Euros, hearts, stars, points, and more. In other words: Even the youngest kids can start to learn money concepts. This app was created by an 11-year-old girl who was looking for a way to keep track of her own allowance and thought other kids might want to do the same. The graphics are cute, and you can keep track of multiple accounts if you have multiple children.</p> <h2>9. Coin Math</h2> <p><strong>Cost</strong>: $1.99 on iTunes</p> <p><strong>Ages</strong>: 9 to 11*</p> <p><strong>Rating</strong>: 4+ stars</p> <p>What ever happened to old fashioned dollars and coins? They're definitely still around. With&nbsp;<a href="https://itunes.apple.com/us/app/coin-math/id296596459?mt=8">Coin Math</a>, your child can learn to identify and count coins, as well as how to pay and make change. Though this app is rated for slightly older kids, many reviewers share that their little ones as young as five years old enjoyed playing with the game.</p> <h2>10. FamZoo Family Finance</h2> <p><strong>Cost</strong>: Free on iTunes</p> <p><strong>Ages</strong>: 4 and up</p> <p><strong>Rating</strong>: 4+ stars</p> <p>Give your child a headstart to understanding money, budgeting, and saving with&nbsp;<a href="https://itunes.apple.com/us/app/famzoo-family-finance/id399321476?mt=8">FamZoo</a>. This app can be used by your entire family &mdash; even preschoolers &mdash; to manage allowances, track chores, handle reimbursements, and more. How does it work? Each member of your family is issued a card that is linked together in the app. In the &quot;Family Bank,&quot; the parents serve as the bankers while the kids are the customers. Then you get to tracking your everyday financial flow (even experiment with setting up automated tasks). You can also choose the IOU option if you'd rather track your money elsewhere. No matter how you do it, you'll be learning the rules of money together.</p> <p><em>Do you use these or other money apps for kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-fun-money-apps-for-kids">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-8"> <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-reasons-frugal-families-love-boardgame-night">8 Reasons Frugal Families Love Boardgame Night</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</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/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</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/14-free-or-cheap-toys-that-will-make-your-kid-smarter">14 Free or Cheap Toys That Will Make Your Kid Smarter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Technology apps educational financial literacy games kids money teaching Fri, 04 Mar 2016 11:00:06 +0000 Ashley Marcin 1665772 at http://www.wisebread.com The 5 Millennial Money Apps Everyone Should Use http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-millennial-money-apps-everyone-should-use" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000077673573_Large.jpg" alt="millennial using a money app" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The more we become surgically attached to our phones, the more we need apps to help us along. According to a recent study, <a href="http://www.millennialdisruptionindex.com/">68% of Millennials</a> say that in five years, the way they access their money will be completely different, and 70% say that the way they pay for things will be totally different. So it's no wonder there are so many money apps out there, making it easy to do banking, investing, and budgeting on the go.</p> <p>Most of us money savvy Gen Y-ers have heard of Mint before, which is a great app that helps you budget and track your spending. But there are a number of other apps out there that can help us invest, save, and yes, even spend, easily. (See also: <a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money?ref=seealso">These 5 Apps Will Help You Finally Organize Your Money</a>)</p> <h2>1. Acorns</h2> <p>If you want to invest in stocks, but don't know where to start, try out <a href="https://www.acorns.com/">Acorns</a>. This app invests your spare change. In other words, if you spend $1.75 on a soda, the extra $0.25 goes into Acorns. Once you've reached $5 in spare change, a team of financial advisers (including Nobel Prize-winning economist Harry Markowitz) start investing for you. You can choose how aggressive you want your portfolio to be depending on how comfortable you feel. The app does cost $1 per month if your balance is under $5,000 and .25% per year if you're over $5,000. If you're age 24 or under, it's free. Make sure to do some research before you start investing (especially for a stock market newbie), but this app is well worth your time and investment.</p> <h2>2. Stash</h2> <p><a href="https://www.stashinvest.com/">Stash</a> is similar to Acorns, but with Stash, you get to choose how you want to invest. It also lets you know how risky your investment might be. You're not all alone in the process either &mdash; Stash provides support and guidance as you go. If you're new to the stock market, this is a good place to start, but make sure you do your homework on any company you invest in. The first three months of using the app are free, and then after that it has the same fees as Acorns.</p> <h2>3. Digit</h2> <p><a href="https://digit.co/">Digit</a> is a tidy little app that saves money for you. After the app checks out your payment history and spending habits, it starts to calculate ways for you start saving money. Every two to three days, Digit takes out between $5 and $50 and puts it into a savings account. The app helps you save without you even realizing it. And if you need your money, you simply text the app and it sends it to you. There are no fees and no minimums for this app, and they have a <a href="https://digit.co/about/faq#no-overdraft-guarantee">no-overdraft guarantee</a>. You can also pause savings at any point if you need to keep your money in your checking account. (See also: <a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more?ref=seealso">Can a Robot Called Digit Help You Save More?</a>)</p> <h2>4. Venmo and Square Cash</h2> <p><a href="https://venmo.com/">Venmo</a> is the fun way to send money with no fees. Set up much like a social media app, you can send money to friends for all kinds of things, and post emojis and jokes in public. While it sounds weird, it's the hippest way for Millennials to send money back and forth.</p> <p>The less &quot;fun&quot; version is <a href="https://cash.me/">Square Cash</a>, which I use on a regular basis to pay utilities to my roommate. Both apps are free, but do have a small fee for credit cards. Just make sure you never send any money to someone you don't know well. Both apps are good if you have a friend who owes you money for something. You don't have to awkwardly and consistently remind them in person &mdash; you can just request the money through the app.</p> <h2>5. Wally</h2> <p>Like Mint, <a href="http://wally.me/">Wally</a> helps you budget your money. The app shows your budgets in easy to understand charts and gives you an accurate look at your spending. The downside is that you have to upload each purchase, but it makes you more accountable. This is especially helpful on work-related travel. The app doesn't link to your credit card or bank account unless you want it to, so you don't have to worry about sharing your personal information. Wally is especially helpful for me so I can write off coffees and lunches and I don't have to keep the receipts! Try out Wally and see if it makes your life easier.</p> <p><em>Which money apps are you using? Share with us 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/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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