Technology http://www.wisebread.com/taxonomy/term/8130/all en-US 8 Signs You Need a Social Media Detox http://www.wisebread.com/8-signs-you-need-a-social-media-detox <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-signs-you-need-a-social-media-detox" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/sad_woman_holding_mobile_phone_while_laying_on_bed.jpg" alt="Sad woman holding mobile phone while laying on bed" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Everyone's on social media these days. However, some of us take it more seriously than others. And some of us have to take it seriously, because our professional success relies heavily on staying connected. Then there are people who are on their accounts all the time, even when they're trying to do other things, like hang out with actual people. But are you one of those people whose obsessed with social media? How would you even know?</p> <p>If you're worried about how much time you're wasting on various platforms, here are a few signs that it's time for a social media detox. (See also: <a href="http://www.wisebread.com/5-ways-freelancers-can-promote-their-work-without-social-media?ref=seealso" target="_blank">5 Ways Freelancers Can Promote Their Work Without Social Media</a>)</p> <h2>1. You feel anxious when you're not scrolling</h2> <p>When you're not online, do you wish you were? Do you wonder what you're missing, hope that people aren't doing anything fun without you, or just feel anxious when you can't be on social media for a while? This anxiety can be a sign that you need to take a break. You should feel more anxious about missing your real life than you do about your online one. Separating from social media for a period of time can help you realize that the world doesn't end when you're not liking posts and battling trolls.</p> <h2>2. The photos you see upset you</h2> <p>Do you regularly see photos of other people's lives that make you feel sad or envious? Do you wish you had that kind of access to fancy homes, creativity, or style? If you're constantly comparing yourself to people online and feeling like you fall short, it may be time to unplug. Take the time to remember how good your own life is. (See also: <a href="http://www.wisebread.com/how-to-keep-social-media-from-ruining-your-vacation?ref=seealso" target="_blank">How to Keep Social Media From Ruining Your Vacation</a>)</p> <h2>3. You never put down your phone</h2> <p>Is your phone always in your hand or nearby, even when you're supposed to be working or having a real-life conversation? If you can't stop checking social media, it's time to put the phone down and walk away. Your online social life doesn't have to interfere with your real one. Delete some of the apps off your phone until they lose their hold over you.</p> <h2>4. You post about your life before you live it</h2> <p>When you're out living your life, do you stage photos specifically for social media? Are you spending a significant amount of time thinking of pithy statements to tweet? Do you think about what to post, or when, or how, even while you're in the middle of doing something fun or actively engaged in an activity? If you think about staging your life for Facebook or Instagram before you live it, it's time to put the phone in your pocket and enjoy what's in front of you. (See also: <a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=seealso" target="_blank">10 Things to Stop Doing on Social Media by 30</a>)</p> <h2>5. You check social media without thinking about it</h2> <p>What do you do when you're bored? Do you automatically go online, just to be sure you haven't missed anything? If your first line of defense against boredom to check your social media accounts, or the first thing you do while you're waiting, you may need to take a break and find other, more meaningful ways to spend your time. Set up other things to do when you would usually check your accounts mindlessly, and take back your time, and your life. (See also: <a href="http://www.wisebread.com/8-ways-social-media-tricks-you-into-spending-more?ref=seealso" target="_blank">8 Ways Social Media Tricks You Into Spending More</a>)</p> <h2>6. Social media interferes with your productivity</h2> <p>Are you online when you should be doing something important? Do work tasks get put off or not done at all because you're scrolling and tweeting instead? If social media is interfering with your productivity, or your to-do list never gets done because you're online, make some changes today. Delete your most addictive apps and download a few task management apps instead to keep you focused. (See also: <a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps?ref=seealso" target="_blank">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a>)</p> <h2>7. You make excuses to check in often</h2> <p>When you're out with friends or family, do you find yourself making excuses for checking your social accounts? Maybe you tell them that it's for work, or you go to the bathroom with your phone just so you can check your notifications. If social media has such a strong pull on your life that your loved ones are calling you out and you're making excuses to stay connected, then it's high time to disconnect.</p> <h2>8. You're disengaging from your real life</h2> <p>Do you choose to be online rather than go out with friends? Sure, we all need the occasional evening in, but if you are regularly choosing social media over your friends, or choosing not to go out because you're afraid you'll miss something online, it's time to think about a break. Social media can have a place in your life, but it shouldn't frequently take the place of real-life interactions. (See also: <a href="http://www.wisebread.com/are-you-letting-fomo-ruin-your-finances?ref=seealso" target="_blank">Are You Letting FOMO Ruin Your Finances?</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/8-signs-you-need-a-social-media-detox">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/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</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/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media 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/12-govt-social-media-accounts-you-should-follow">12 Gov&#039;t Social Media Accounts You Should Follow</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-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology Facebook instagram self-care snapchat social media social media detox twitter unplug Mon, 18 Jun 2018 09:00:24 +0000 Sarah Winfrey 2147198 at http://www.wisebread.com Best Money Tips: How to Boost Your Wi-Fi Signal at Home http://www.wisebread.com/best-money-tips-how-to-boost-your-wi-fi-signal-at-home <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-boost-your-wi-fi-signal-at-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_dog_phone_649442716.jpg" alt="Woman boosting Wi-Fi signal at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on ways to boost your Wi-Fi signal at home, money-saving tips for your next backpacking trip, and ways to stay accountable to your health and fitness goals.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.frugalfamilytimes.com/2018/06/wifi-weak-spots-simple-internet-boosters-how-to.html">Wi-Fi Weak Spots at Home? Don't upgrade your service! Try these 6 internet boosters.</a> &mdash; There are a few simple things you can do to boost your Wi-Fi signal strength without spending much money at all! [Frugal Family Times]</p> <p><a href="https://femmefrugality.com/backpacking/">Money-Saving Tips for Your Next Backpacking Trip</a> &mdash; Do more on your next backpacking adventure by following these tips! [Femme Frugality]</p> <p><a href="http://www.myblissfulspace.com/how-to-stay-accountable-health-fitness-goals/">How to Stay Accountable to Health &amp; Fitness Goals</a> &mdash; When it comes to our health and fitness goals, it's important to stay strong, make a plan, and keep ourselves accountable. [My Blissful Space]</p> <p><a href="https://www.popsugar.com/smart-living/Sleep-Hacks-32299840">8 Sleep Hacks That Will Put You Right to Bed</a> &mdash; We tend to sleep better in a cool room, but if your feet are too cold, the blood vessels constrict, retaining heat in your body and making it harder for you to fall asleep. [PopSugar Smart Living]</p> <p><a href="https://frugalfamilyhome.com/home/gardening/summer-garden-tasks">5 Minute Summer Garden Tasks to Keep Your Garden Growing</a> &mdash; Working in your garden in the summer heat can feel like a chore, but you can break down many tasks so that they only take a few minutes to do. [Frugal Family Home]</p> <h2>Other Essential Reading</h2> <p><a href="https://nosidebar.com/slowing-down/">City Simplified: Slowing Down While Living Fast</a> &mdash; It's easy to get stuck in the hustle and bustle of a fast-paced city. Here are a few ways to slow down and really take in the city lifestyle. [No Sidebar]</p> <p><a href="https://www.littlehouseliving.com/where-to-buy-cheap-fabric.html">Where to Buy Cheap Fabric</a> &mdash; You can do so much with fabric, even if you don't sew. No matter the project, you can find affordable fabric at garage sales, thrift stores, and certain big box stores. [Little House Living]</p> <p><a href="https://www.thefrugalnavywife.com/why-you-need-to-take-safe-web-surfing-seriously/">Why You Need to Take Safe Web Surfing Seriously</a> &mdash; Use these tips to protect yourself and your family on the Internet. [The Frugal Navy Wife]</p> <p><a href="http://www.thefrugalgirl.com/2018/06/how-to-freeze-odds-and-ends-without-trying-too-hard/">How to freeze odds and ends without trying too hard</a> &mdash; Freezing food doesn't have to be a huge production, especially if you're only dealing with small amounts. [The Frugal Girl]</p> <p><a href="https://www.csmonitor.com/Environment/2018/0612/To-avert-potential-wildfires-officials-across-Southwest-close-national-forests">To avert potential wildfires, officials across Southwest close national forests</a> &mdash; As states in the Southwest battle extreme drought, National Forest officials are closing many parks and trails in an effort to resolve ongoing wildfires and prevent more from starting. [The Christian Science Monitor]</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-boost-your-wi-fi-signal-at-home">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/6-ways-to-slash-the-cost-of-wi-fi-when-you-travel">6 Ways to Slash the Cost of Wi-Fi When You Travel</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-signs-you-need-a-social-media-detox">8 Signs You Need a Social Media Detox</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-your-expertise-into-a-side-hustle">How to Turn Your Expertise Into a Side Hustle</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/12-free-software-tools-for-your-small-business">12 Free Software Tools for Your Small Business</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-stop-those-annoying-robocalls">How to Stop Those Annoying Robocalls</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips wi-fi Wed, 13 Jun 2018 08:30:14 +0000 Amy Lu 2148706 at http://www.wisebread.com How to Turn Your Expertise Into a Side Hustle http://www.wisebread.com/how-to-turn-your-expertise-into-a-side-hustle <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-turn-your-expertise-into-a-side-hustle" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/female_entrepreneur_working_on_a_laptop_at_home.jpg" alt="Female entrepreneur working on a laptop at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As the old saying goes, &quot;knowledge is power,&quot; and the rise of the internet has created many opportunities to turn your knowledge into cold hard cash. Maybe you're looking for a new career, or perhaps you're just looking to build a side hustle that will bring in a few extra bucks. Either way, selling what you know online could turn out to be a great little earner for you.</p> <p>There are various ways to sell your knowledge over the internet, depending on what you are selling and the format you use. A few years ago, it might have required an advanced understanding of technology or a load of cash to get your idea off the ground, but these days, there are plenty of ways to get going with minimal upfront investment &mdash; making it easy for anyone with a computer and an internet connection to start a side hustle. (See also: <a href="http://www.wisebread.com/how-to-build-a-side-business-while-keeping-your-day-job?ref=seealso" target="_blank">How to Build a Side Business While Keeping Your Day Job</a>)</p> <h2>1. Write an ebook</h2> <p>It used to be that if you couldn't find a traditional publishing house that accepted your manuscript, then you'd have no other choice but to pay to have it printed yourself. Luckily, ebooks have blown the publishing world wide open and have enabled almost anyone to produce and sell a story directly to readers with very few costs attached. It also means that books are extremely quick to create. You can have your ebook ready to go not long after it's written.</p> <p>To go through Amazon, you can write the ebook in your normal word processing software, then format it with <a href="https://kdp.amazon.com/en_US/help/topic/GHU4YEWXQGNLU94T" target="_blank">Kindle Create</a>, and create a cover for it in a free design program like <a href="https://www.canva.com/" target="_blank">Canva</a>. You can then self-publish it through Amazon's <a href="https://kdp.amazon.com/en_US/" target="_blank">Kindle Direct Publishing</a>.</p> <p>But for wider distribution, look also at <a href="https://press.barnesandnoble.com/" target="_blank">NookPress</a> and <a href="https://www.kobo.com/us/en/p/writinglife?utm_source=google&amp;utm_medium=cpc&amp;utm_content=5credit1F&amp;utm_campaign=kwl-branded&amp;gclid=EAIaIQobChMI-qO5r8u_2wIVQ57ACh2bSA8kEAAYASAAEgLqsPD_BwE" target="_blank">Kobo Writing Life</a>, which are other self-publishing platforms. For the widest reach possible, it's best to publish with all of the major players rather than sticking to a single one.</p> <h2>2. Host webinars</h2> <p>Hosting live webinar sessions allows you to share your knowledge to an audience without the need for them to be physically present. It's like a conference or seminar but done on a remote basis, saving learners the cost of travel and accommodation. The real benefit of webinars is that you can interact with your audience as you go, by allowing real-time questions or holding a Q&amp;A session at the end. This ensures that everyone gets exactly what they want from the session.</p> <p>Webinars can be simple presentations carried out on Skype or even Facebook Live, but more advanced tools will allow you to create better, more engaging seminars. Google Hangouts is free to use and has numerous collaborative features perfect for hosting web sessions.</p> <p>Alternatively, there are various paid software tools such as GoToMeeting or Cisco Webex that are specifically for designing and conducting webinars. You need to have an audience large enough to make it worth your while, so it helps if you already have a following on social media or a website to allow you to publicize the event. (See also: <a href="http://www.wisebread.com/13-ways-to-make-money-teaching-your-skills-to-others?ref=seealso" target="_blank">13 Ways to Make Money Teaching Your Skills to Others</a>)</p> <h2>3. Become an online consultant</h2> <p>For people with a sought after skill set that businesses want to access, online consulting works extremely well. There are many reasons why businesses prefer to work with online consultants rather than those who physically come onto the work premises. These range from not wanting to upset the workforce with an outsider's presence while still benefiting from a pair of fresh eyes, to the simple reality that it's often less costly to hire an online consultant while still receiving an expert level of service.</p> <p>It helps to have a niche skill that you have proven expertise in, as this will lend you much needed credibility. Getting started in online consulting can be difficult, so it's vital to use any and all contacts you already have to get your first break. Once you have your first few contracts secured, you will hopefully begin to get referrals or recommendations and see a snowball effect.</p> <h2>4. Provide online tutoring</h2> <p>Online tutoring is a great way to share your experience with people who want to learn one-on-one with an expert in their chosen subject. You don't need to have a degree in education, but you&rsquo;ll need skills or knowledge in something that people are willing to pay to learn. Subjects like English, math, and science, are particularly in demand. However, it's possible to tutor online on other topics such as foreign languages (or English as a foreign language), or even learning an instrument.</p> <p>There are numerous online agencies that match people with tutors in their chosen subject, so you won't have to actively search or advertise for clients. Generally, you fill out an application and they decide whether they accept you or not. Once you've been accepted and have registered, they will send you jobs as they become available. (See also: <a href="http://www.wisebread.com/how-to-earn-1000-a-month-or-more-as-an-online-tutor?ref=seealso" target="_blank">How to Earn $1,000 a Month or More as an Online Tutor</a>)</p> <h2>5. Create an online course</h2> <p>If you have knowledge that you want to spread far and wide, and know there's an audience there to lap it up, then an online course may be the right path for you. Online courses allow you to reach more people than you could on a one-on-one basis, both from a time perspective, and also because you can sell a course much cheaper than individual tutoring.</p> <p>It's a huge amount of work initially to design and build your course, but once this is done, the course should provide passive income with little to no further effort. There are various delivery methods that you'll have to select, depending on what you want to achieve. Courses that email your lessons to students are easy to set up with providers such as MailChimp, or you can put your materials out in module format with the Udemy marketplace. (See also: <a href="http://www.wisebread.com/how-i-made-400-in-10-days-by-selling-an-online-course-i-created?ref=seealso" target="_blank">How I Made $400 in 10 Days by Selling an Online Course I Created</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-turn-your-expertise-into-a-side-hustle&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Turn%2520Your%2520Expertise%2520Into%2520a%2520Side%2520Hustle.jpg&amp;description=How%20to%20Turn%20Your%20Expertise%20Into%20a%20Side%20Hustle"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Turn%20Your%20Expertise%20Into%20a%20Side%20Hustle.jpg" alt="How to Turn Your Expertise Into a Side Hustle" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-turn-your-expertise-into-a-side-hustle">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/8-surprising-ways-a-personal-website-can-improve-your-life">8 Surprising Ways a Personal Website Can Improve Your 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/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</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/4-big-business-accounting-tools-every-side-gig-needs">4 Big Business Accounting Tools Every Side Gig Needs</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-extra-income-with-a-drone">How to Earn Extra Income With a Drone</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/12-free-software-tools-for-your-small-business">12 Free Software Tools for Your Small Business</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Technology blogging tips expertise online course side gig side hustle starting a business Tue, 12 Jun 2018 08:30:33 +0000 Nick Wharton 2147651 at http://www.wisebread.com How to Stop Those Annoying Robocalls http://www.wisebread.com/how-to-stop-those-annoying-robocalls <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-stop-those-annoying-robocalls" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/skeptical_woman_talking_texting_on_phone.jpg" alt="Skeptical woman talking texting on phone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your phone rings, the number on the screen starts with your local area code. Of course you're going to pick up. What if it's the school nurse calling about your children? What if it's your dentist's office calling to reschedule an appointment?</p> <p>Then you pick up and a recording tells you that you've won a free cruise to Alaska or that you owe money to the IRS.</p> <p>Yes, you've been hit by a robocall. These obnoxious recorded messages are used by companies to persuade you to buy something you usually don't need. Not only are they annoying, but robocalls can be dangerous, too. Plenty of scammers use them to trick people into giving up their Social Security numbers, credit card digits, or other personal information. Worst of all? These robocalls are increasing, and so are complaints from consumers who have been harassed by those prerecorded pitches and scams.</p> <p>Fortunately, there are steps you can take to stop at least a chunk of these calls and to protect yourself from any automated scams targeting your phone number.</p> <h2>We're answering a LOT more robocalls lately</h2> <p>The Federal Trade Commission reported that in 2017, consumers filed more than 4.5 million complaints with the commission about robocalls. That ranks as the highest number of complaints in any year, and is a sharp increase from the more than 3.4 million robocall complaints consumers filed with the FTC in 2016.</p> <p>The most common topic of these robocalls is debt reduction. Robocalls about vacations and timeshares were the second most common, while those about warranties and protection plans came in third. (See also: <a href="http://www.wisebread.com/how-to-spot-a-hotel-booking-scam?ref=seealso" target="_blank">How to Spot a Hotel Booking Scam</a>)</p> <h2>How to stop them</h2> <p>If the number of robocalls bombarding your phone has increased, you're not alone. How do you stop, or at least slow down, these intrusions? (See also: <a href="http://www.wisebread.com/how-to-protect-elderly-loved-ones-from-financial-scams?ref=seealso" target="_blank">How to Protect Elderly Loved Ones From Financial Scams</a>)</p> <h3>Register your number on the Do Not Call list</h3> <p>Your first step is to sign up for the <a href="https://www.donotcall.gov/" target="_blank">National Do Not Call Registry</a>, offered by the FTC. Telemarketers are prohibited from using automated dialers to call cellphones or landlines on the list, unless the owners of these numbers give them consent first.</p> <p>Unfortunately, listing your number on this list doesn't stop all robocalls. That's because many of the companies or scammers behind these calls won't hesitate to ignore Federal Communications Commission regulations.</p> <h3>Use call-blocking apps</h3> <p>Once you've listed your number on the Do Not Call Registry, it's time to download call-blocking apps that can help you prevent repeat robocalls from the same number. The <a href="https://mrnumber.com/" target="_blank">Mr. Number app</a> is a popular one, and allows you to block any number that has sent you a robocall and calls from known scammers. You can also block calls from numbers not in your contact list.</p> <p>There are competitors out there, including apps such as <a href="https://www.truecaller.com/" target="_blank">Truecaller</a> and <a href="http://www.shouldianswer.com/" target="_blank">Should I Answer</a>. These will help you greatly reduce robocalls.</p> <p>Wireless providers understand that robocalls are a nuisance, too. So it's not surprising that some of these providers offer their own call-blocking apps. AT&amp;T offers the <a href="https://www.att.com/features/security-apps.html" target="_blank">AT&amp;T Call Protect</a> app that lets you block calls from suspicious numbers and past robocallers. T-Mobile provides its own <a href="https://explore.t-mobile.com/callprotection?irgwc=1&amp;cmpid=WTR_AF_&amp;clickid=Vue3dj0vtTZuRm5WE2wp73T-UkjyWCRLETRN1Q0&amp;iradid=187812&amp;irpid=27795&amp;ircid=3290&amp;sharedid=&amp;aam=aam_uuid&amp;invoca=invoca_experience&amp;irmpname=VigLink" target="_blank">Scam Block</a> tool that allows cell users to block all known scam calls before they ring up their phones. And Verizon offers its own suite of <a href="https://www.verizon.com/support/residential/homephone/calling-features/stop-unwanted-calls" target="_blank">call-blocking services</a>, including call block, caller ID, and anonymous call rejection.</p> <h2>What to do if you still get robocalls</h2> <p>What if, despite the measures you've taken to prevent them, you still receive a robocall?</p> <p>First, if your call is coming from a number you don't recognize, don't answer. If the call truly is important, whoever is calling will leave you a voicemail. If you do answer, hang up as soon as you realize you're dealing with a robocall.</p> <p>Some robocalls will request that you hit the number &quot;1&quot; to speak with a live operator. Never do this. You'll just be connected with someone trying to sell you something or scam you. Others might ask that you press a certain number on your phone to stop receiving calls. Don't press that number, either. You'll usually be connected to another operator who wants to sell you or scam you.</p> <p>In short, the best way to deal with robocalls that slip through is to never engage with them. Robocallers can't scam you if you don't answer. (See also: <a href="http://www.wisebread.com/3-ways-to-ban-spam-and-stop-junk?ref=seealso" target="_blank">3 Ways to Ban Spam and Stop Junk</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-stop-those-annoying-robocalls&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Stop%2520Those%2520Annoying%2520Robocalls.jpg&amp;description=How%20to%20Stop%20Those%20Annoying%20Robocalls"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Stop%20Those%20Annoying%20Robocalls.jpg" alt="How to Stop Those Annoying Robocalls" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/how-to-stop-those-annoying-robocalls">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-12"> <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/phishing-scams-continue-to-plague-social-media-sites">Phishing Scams Continue to Plague Social Media Sites</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/netspend-the-story-of-the-visa-debit-card-we-did-not-apply-for">netSpend: The Story of the Visa Debit Card We Did Not Apply For</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-vile-craigslist-scams-to-watch-out-for">8 Vile Craigslist Scams to Watch Out For</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-airbnb-scam-will-ruin-your-vacation-and-your-budget">This Airbnb Scam Will Ruin Your Vacation — and Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-apartment-hunt-on-craigslist-without-getting-scammed">6 Ways to Apartment Hunt on Craigslist Without Getting Scammed</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Technology blocking calls phone scam robocalls scammers scams spam calls Fri, 08 Jun 2018 09:00:18 +0000 Dan Rafter 2146888 at http://www.wisebread.com 12 Free Software Tools for Your Small Business http://www.wisebread.com/12-free-software-tools-for-your-small-business <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-free-software-tools-for-your-small-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/freelance_woman_working_at_home_concept.jpg" alt="Freelance woman working at home concept" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Freelancers and small-business owners might not have the financial capital on hand to invest in all of the tools and apps that can help a business run smoothly. Thankfully, they don't need it &mdash; because plenty of free, open source software is available online at the click of a button.</p> <p>Many of the free versions of business software cover, at minimum, the basic needs required by startups and self-employed individuals. Check out a few below. (See also: <a href="http://www.wisebread.com/6-helpful-tools-to-manage-your-small-business?ref=seealso" target="_blank">6 Helpful Tools to Manage Your Small Business</a>)</p> <h2>1. Google Drive</h2> <p><a href="https://www.google.com/drive/" target="_blank">Google Drive</a> is a free service that gives users access to spreadsheets, word processing, slideshows, and form software. The drive is tied to Gmail accounts. Each user has access to 15GB of cloud storage under a free account.</p> <p>These free tools don't have the same level of robust options as Microsoft's suite of office software, but they offer most of the common features that small businesses will be looking for. As an added bonus, the documents are updated in real time, so it's a solid choice for companies that do real-time collaboration on projects.</p> <p>Drive allows users to upload and download documents in a Microsoft format, so you will not have problems sharing documents with clients, customers, or partners who utilize Office.</p> <h2>2. LibreOffice</h2> <p>LibreOffice is a free collection of open source office tools that gives users access to downloadable spreadsheets, word processing, and presentation software. It's important that you only download the software on the <a href="https://www.libreoffice.org/download/download/" target="_blank">LibreOffice website</a> to avoid potential computer viruses.</p> <p>LibreOffice is a pretty solid alternative to Microsoft Office. LibreOffice Writer has most of the major and minor features found in Microsoft Word. LibreOffice Calc also has similar features to Excel, but Microsoft macro and programming language can't be imported from Calc to Microsoft Excel. The presentation software (Impress) has similar compatibility issues with PowerPoint.</p> <p>The bottom line is that LibreOffice is a good alternative if your business doesn't receive Excel files with macros and doesn't need to send presentations to individuals who utilize PowerPoint.</p> <h2>3. Evernote</h2> <p><a href="https://evernote.com/" target="_blank">Evernote</a> is a &quot;freemium&quot; application (free to download and use, with additional paid features) that can be used for word processing, slideshows, note taking, and document storage. The main perk of the platform is the ability to easily store and organize various types of documents in one place.</p> <p>The basic platform is free and allows users to upload 20MB of new content each month and sync it across two devices. It's a neat tool, but I wouldn't necessarily recommend it as your sole project management software. The basic freemium plan doesn't offer a robust means of sharing documents internally and externally.</p> <h2>4. Prezi</h2> <p><a href="https://prezi.com/" target="_blank">Prezi</a> is online presentation software. A basic, free account allows individuals to create an unlimited number of presentations, but has no miscellaneous options, such as offline sync, privacy controls, or revocable shared links.</p> <p>The tool, despite its limited scope, is worth evaluating because the presentations that can be created aren't typical, old-fashioned slideshows. Presentations are shown on large slides that offer the presenter smart capabilities like zooming in on certain details.</p> <h2>5. Trello</h2> <p>The basic, free version of project management software <a href="https://trello.com/" target="_blank">Trello</a> gives members the ability to create an unlimited number of lists, cards, and checklists. Members can upload up to 10MB of files.</p> <p>The free version of Trello only has two major downsides. First, basic accounts lack the ability to put the lists and cards into collections to make the system easier to navigate. Second, users aren't able to remove group members. The basic account relies heavily on the honor system and managers externally policing how individuals interact with the tool. As your company grows, you might want to invest in a paid project management and organization tool.</p> <h2>6. SurveyMonkey</h2> <p><a href="https://www.surveymonkey.com/" target="_blank">SurveyMonkey</a> is a survey creation tool. The free version allows individuals to create a 10 question survey. Each survey can have up to 100 responses.</p> <p>Which should you use, Google Forms or Survey Monkey? Survey Monkey tends to be a tad more aesthetically pleasing, but Google Forms allow the survey to have more than 10 questions. I'd recommend using Google Forms if you regularly create long surveys.</p> <h2>7. Buffer</h2> <p><a href="https://buffer.com/" target="_blank">Buffer</a> is a social media management platform that serves as a valuable marketing tool. A basic, free Buffer account allows users to manage up to three social accounts at one time. Each account can have 10 posts in the schedule queue.</p> <p>Due to the limitations, I'd recommend this for businesses or individuals who don't rely heavily on preplanning a large number of social media posts. The free plan also, unfortunately, does not give users access to valuable analytics data for a more targeted social campaign.</p> <p>Despite those restrictions, it can be a valuable tool for small businesses and freelancers until they can invest in a more robust social media management plan.</p> <h2>8. Google Hangouts</h2> <p><a href="https://hangouts.google.com/" target="_blank">Google Hangouts</a> allows organizations to create video calls, phone calls, and online chat forums. The tools are free and can be accessed through users' Gmail accounts.</p> <p>Video and audio calls can have up to 10 active participants; individuals who video call can use screen share to give presentations, as well as share documents, websites, and videos. Google Conversations &mdash; the chat feature of Hangouts &mdash; can have up to 150 participants.</p> <h2>9. Slack</h2> <p><a href="https://slack.com/" target="_blank">Slack's</a> main function serves as a robust interface for team chat and collaboration. The free version also has the ability to make one-on-one voice and video calls, offers 5GB of file storage, and allows users to search through a history of the previous 10,000 messages.</p> <h2>10. Audacity</h2> <p>Audacity is open source audio editing software that can be downloaded on Microsoft, Mac, and Linux computers. You should only download the software from the <a href="https://www.audacityteam.org/download/" target="_blank">official Audacity website</a>.</p> <p>Audacity allows users to import or record audio files. Once audio files are uploaded or recorded, they can be combined and edited. The first time a business or freelancer utilizes the software to create a piece of audio content, I'd recommend they consult one of the dozens of video guides available on YouTube. Experts of the software can, at the very least, give inexperienced recorders tips that might save them hours of work.</p> <h2>11. GIMP</h2> <p>GIMP is a free photo editing program that is compatible with most operating systems. Like LibreOffice and Audacity, GIMP should be downloaded from the <a href="https://www.gimp.org/downloads/" target="_blank">official GIMP website</a>.</p> <p>It's important to note that GIMP, as an open source, community-built program, isn't as advanced as Adobe Photoshop. GIMP has basic editing functions, but lacks many of the higher quality functions present in Photoshop.</p> <p>Entrepreneurs and self-employed individuals who either lack the capital to invest in Photoshop or don't require advanced photo editing software should give GIMP a try.</p> <h2>12. Canva</h2> <p><a href="https://www.canva.com/" target="_blank">Canva</a> is a &quot;freemium&quot; graphic design tool that lets businesses and freelancers create featured images and graphs that can be utilized on their websites, blogs, or promotional materials. Canva can be accessed online or by downloading the app on a variety of tablets and smartphones.</p> <p>A free Canva account has 1GB of storage and gives up to 10 team members access to the software. Novice image editors can streamline the photo editing process by choosing one of the 8,000 image templates as a guide. Users can either upload their own images or purchase an image through Canva.</p> <p>If you're not quite up to delving into GIMP for your photo editing needs, Canva can be easier to utilize.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/12-free-software-tools-for-your-small-business">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/organize-8-key-areas-of-your-life-with-these-17-smart-apps">Organize 8 Key Areas of Your Life With These 17 Smart Apps</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-the-self-employed-can-cut-health-care-costs">How the Self Employed Can Cut Health Care Costs</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-apps-for-business-owners-on-the-go">5 Apps for Business Owners on the Go</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-turn-your-expertise-into-a-side-hustle">How to Turn Your Expertise Into a Side Hustle</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-11-best-parking-apps-for-your-city">The 11 Best Parking Apps for Your City</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Technology apps chat editing free open source organization project management self employed small business owners software word processing Fri, 01 Jun 2018 08:30:28 +0000 Samantha Stauf 2145004 at http://www.wisebread.com The 5 Best Cord Organizers http://www.wisebread.com/the-5-best-cord-organizers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-cord-organizers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cable_organizer_179047527_0.jpg" alt="Using the best cord organizer " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How much time have you wasted untangling headphone cords? Fortunately, affordable cord organizers can keep small cords packed together, so you don't have to spend your precious time untangling bunched up cables ever again.</p> <h2>What is a cord organizer?</h2> <p>A cord organizer is a small accessory that can keep headphone cords and data cables tidy and untangled. They are small enough to be stored in your desk, car, bag, or anywhere else you may have tangled cords. If you're looking for something that can fit both your cords and larger cables, then consider a travel cable organizer instead. (See also: <a href="http://www.wisebread.com/the-5-best-travel-cable-organizers?ref=seealso" target="_blank">The 5 Best Travel Cable Organizers</a>)</p> <h2>Top 5 Cord Organizers</h2> <h3>Nite Ize Original Gear Tie</h3> <p><a href="https://amzn.to/2LLE2Oq" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/nite%20ize.jpg" width="144" height="245" align="right" alt="" /></a>Amazon's Choice for cord organizers, the <a href="https://amzn.to/2LLE2Oq" target="_blank">Nite Ize Original Gear Tie</a> is very practical. The four pack of durable, rubber twist ties have a strong, bendable internal wire and soft rubber exterior that is UV resistant, waterproof, and won't scratch, mark, or ding. The colorful 3&quot; reusable gear ties can also be used for bundling, organizing, and storing any small items. They are also easily mountable, hold their shape, and have excellent grip. The Amazon best-seller has over 4,000 five-star reviews on Amazon. They're available in a range of color options, but this multi-color option can also help you color code your headphones and cords.</p> <p><a href="https://amzn.to/2LLE2Oq" target="_blank"><em>Currently $2.98 on Amazon</em></a></p> <h3>Avantree Wire Organizer</h3> <p><a href="https://amzn.to/2xvLQRm" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/avantree.jpg" width="245" height="245" align="right" alt="" /></a>Amazon's Choice for cord organizers, the <a href="https://amzn.to/2xvLQRm" target="_blank">Avantree Wire Organizer</a> can be used to organize a range of cords and small wires. The special design easily attaches to cords and cables of all sizes, so you won't have to worry about losing them. The reusable, durable cord fastening wraps come in three different sizes and various colors to effectively organize and color coordinate any wires, cords, and cables. They have over 400 five-star reviews on Amazon and are backed by a two-year warranty.</p> <p><a href="https://amzn.to/2xvLQRm" target="_blank"><em>Currently $6.99 on Amazon</em></a></p> <h3>BELUGA Cable Clips and Cord Management System</h3> <p><a href="https://amzn.to/2JkYjw0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beluga.jpg" width="219" height="245" align="right" alt="" /></a>The <a href="https://amzn.to/2JkYjw0" target="_blank">BELUGA Cable Clips and Cord Management System</a> organizers are made of environmentally friendly material and have removable 3M sticky pads on the back, so you can adhere them to any smooth surface. The pack of eight is available in a range of colors, so you can color coordinate your cords. Each silicone holder has two soft, yet tough channels, which can hold headphones, power cords, charging cables, and any other small cords or chargers. The clips are backed by more than 600 five-star reviews on Amazon and a 30-day money-back guarantee.</p> <p><a href="https://amzn.to/2JkYjw0" target="_blank"><em>Currently $8.95 on Amazon</em></a></p> <h3>CAILLU Power Cord Organizer</h3> <p><a href="https://amzn.to/2J2KUoO" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/caillu.jpg" width="245" height="187" align="right" alt="" /></a>The <a href="https://amzn.to/2J2KUoO" target="_blank">CAILLU Power Cord Organizer</a> and manager is ideal for headphones, lightning cables, USB cords, and other accessory wires. Each of the sleek, high-quality handmade leather earbud clips snaps shut with a metal button. This allows it to quickly release the headphones and keep them tangle-free. The headphone organizer is soft, compact, flexible, and can be used to easily wind all types of small cables and cords. The five-pack is available in a range of colors and backed by a satisfaction guarantee.</p> <p><a href="https://amzn.to/2J2KUoO" target="_blank"><em>Currently $7.48 on Amazon</em></a></p> <h3>Nite Ize Curvyman Cord Supervisor</h3> <p><a href="https://amzn.to/2sp81CU" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/nite%20ize%20curvyman.jpg" width="144" height="245" align="right" alt="" /></a>The <a href="https://amzn.to/2sp81CU" target="_blank">Nite Ize Curvyman Cord Supervisor</a> offers an easy way to wrap and store headphones. The lightweight, durable, compact plastic organizer has a unique design to keep small cords in order and tangle-free. The headphone cord wrap can also shorten long wires to keep cords close-fitting. This is available in a range of colors and comes with an attachment that allows you to clip it to your keychain or bag. The earbud organizer is backed by more than 500 five-star reviews on Amazon and a worry-free guarantee.</p> <p><a href="https://amzn.to/2sp81CU" target="_blank"><em>Currently $2.97 on Amazon</em></a></p> <p>And those are our recommendations for the best cord organizers. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <p>&nbsp;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-cord-organizers&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Cord%2520Organizers.jpg&amp;description=The%205%20Best%20Cord%20Organizers"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Cord%20Organizers.jpg" alt="The 5 Best Cord Organizers" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-cord-organizers">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/the-5-best-travel-cable-organizers">The 5 Best Travel Cable Organizers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-voice-recorders">The 5 Best Voice Recorders</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</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-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best cable cords cord organizers power cords product reviews tech gadgets Thu, 31 May 2018 08:00:20 +0000 Andrea Cannon 2145313 at http://www.wisebread.com Take Control of Your Money With These 10 Free Spreadsheet Templates http://www.wisebread.com/take-control-of-your-money-with-these-10-free-spreadsheet-templates <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/take-control-of-your-money-with-these-10-free-spreadsheet-templates" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_with_eyeglasses_using_laptop_at_home.jpg" alt="Woman with eyeglasses using laptop at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While there are a ton of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really?ref=internal" target="_blank">apps to help you automate your finances</a>, some people prefer the old-school spreadsheet method. Spreadsheets are an excellent financial tool, because you can input your financial goals and numbers, and allow the spreadsheet to do the rest of the work. We rounded up a sample of free spreadsheet templates for every budgeting need.</p> <h2>1. Extended budget template</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/1_2.png" width="605" height="362" alt="" /></p> <p>After searching for the perfect budgeting template for years, Libby Kane of Business Insider decided to create her own. <a href="https://docs.google.com/spreadsheets/d/15m5axD9Hw9FdoR-HfeeVEy7o6cCFiZWkGqbLQwOYK-w/edit?usp=sharing" target="_blank">This template</a> is perfect for anyone looking to track both their business and personal spending all in one place. While it is pretty detailed, it's easy to simply delete or rename the categories that don't fit your lifestyle. (See also: <a href="http://www.wisebread.com/5-minute-finance-track-your-spending?ref=seealso" target="_blank">5-Minute Finance: Track Your Spending</a>)</p> <h2>2. Student loan tracker</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/2_0.png" width="605" height="238" alt="" /></p> <p>Young Adult Money's David Carlson knows a few things about student loans. After starting his blog as a side hustle to help pay off $100,000 in student loans, he credits a systemized approach to his success. You can download his <a href="http://www.youngadultmoney.com/2016/08/12/use-this-spreadsheet-to-track-your-student-loans/" target="_blank">student loan tracker</a> for free by signing up with your email.</p> <h2>3. Income tracker</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/3.png" width="605" height="206" alt="" /></p> <p>As a small-business owner, blogger Alexa Mason of Single Moms Income needed a spreadsheet to track all of her business income and expenses. So she created the <a href="https://docs.google.com/spreadsheets/d/1zLznZXqHfNGcblqcUY6WNHT_XjFbr288cHA1oPeK1ds/edit#gid=0" target="_blank">income tracker spreadsheet</a>. This spreadsheet is particularly helpful for income-earning bloggers, although you can easily swap out the line items to fit your business needs.</p> <h2>4. Weekly budget template</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/4.png" width="605" height="203" alt="" /></p> <p>Want to break down your monthly budget even more? Try the free <a href="https://docs.google.com/spreadsheets/d/17bJyLZ4lTA4T5Zc8V3ez0Tix2hwaA7EoOR1V9Gow6Js/edit#gid=480803683" target="_blank">weekly budget template</a>. This template can help give you a snapshot of your spending each week, allowing you to see where you can really cut back. (See also: <a href="http://www.wisebread.com/boost-your-savings-with-this-easy-budgeting-system?ref=seealso" target="_blank">Boost Your Savings With This Easy Budgeting System</a>)</p> <h2>5. College student budget</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/5.png" width="605" height="286" alt="" /></p> <p>College students have different budgeting needs than the rest of the adult world. If you're a college student, you can keep track of all of your expenses, tuition, and income all in one convenient place with <a href="https://www.mint.com/budgeting-3/college-budget-template-keep-track-of-your-school-expenses" target="_blank">Mint's free spreadsheet download</a>.</p> <h2>6. Mortgage calculator</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/6.png" width="605" height="245" alt="" /></p> <p>Want to make some serious progress on paying down your mortgage? This <a href="https://www.vertex42.com/ExcelTemplates/extra-payments.html" target="_blank">mortgage calculator from Vertex42</a> can advise you on pretty much anything you need to know about your mortgage rates and how to reach your payment goals. (See also: <a href="http://www.wisebread.com/4-smart-ways-to-lower-your-monthly-mortgage-payment?ref=seealso" target="_blank">4 Smart Ways to Lower Your Monthly Mortgage Payment</a>)</p> <h2>7. Holiday spending budget</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/7.png" width="605" height="183" alt="" /></p> <p>It's never too early to start prepping your holiday season budget. You know you'll have people to shop for and your budget can quickly turn into a mess if you wait until the last minute. Luckily, you can calculate all of your holiday costs with this <a href="https://templates.office.com/en-us/Holiday-budget-planner-TM10288174" target="_blank">spreadsheet from Microsoft Office</a>.</p> <h2>8. Travel spreadsheet</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/8.png" width="605" height="272" alt="" /></p> <p>Planning to hit the open road or head overseas in the near future? Take a gander at <a href="https://docs.google.com/spreadsheets/d/1RN-JrmZ-QZP8i1k8GoVVqd6IjHYYd53d7S7or8xjbAQ/template/preview?usp=drive_web&amp;ouid=%7BuserId%7D" target="_blank">Lifehacker's free travel spreadsheet</a>. It helps you to keep track of your confirmation numbers, schedule, and emergency contact info, plus, you can add all of your expenses so you get a full picture of your travel budget. (See also: <a href="http://www.wisebread.com/how-to-build-your-best-travel-budget?ref=seealso" target="_blank">How to Build Your Best Travel Budget</a>)</p> <h2>9. Savings goals tracker</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/9.png" width="605" height="314" alt="" /></p> <p>The best way to set and achieve savings goals is to track your progress. It's important to always understand how far you've come, and how far you have left to go. This free <a href="https://www.vertex42.com/ExcelTemplates/savings-goal-tracker.html" target="_blank">savings goal tracker spreadsheet</a> from Vertex42 is the perfect tool to keep you on track.</p> <h2>10. Wedding budget</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/10.png" width="605" height="411" alt="" /></p> <p>Weddings will always cost a pretty penny, but setting budget goals for the big day and finding smart ways to save can keep you from spiraling into debt before even uttering your vows. (See also: <a href="http://www.wisebread.com/people-are-still-spending-too-much-on-their-weddings?ref=seealso" target="_blank">People Are Still Spending Too Much on Their Weddings</a>)</p> <p>For a simple, no-fuss wedding budget, check out this <a href="http://www.gailvazoxlade.com/resources/wedding_budget_worksheet.html" target="_blank">wedding budget work sheet template</a> from Gail Vaz-Oxlade. This spreadsheet is completely free and doesn't require sign up.</p> <p><em>Note: The author is a contributor at Young Adult Money but is not being paid to promote the site.</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Ftake-control-of-your-money-with-these-10-free-spreadsheet-templates&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FTake%2520Control%2520of%2520Your%2520Money%2520With%2520These%252010%2520Free%2520Spreadsheet%2520Templates.jpg&amp;description=Take%20Control%20of%20Your%20Money%20With%20These%2010%20Free%20Spreadsheet%20Templates"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><em><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Take%20Control%20of%20Your%20Money%20With%20These%2010%20Free%20Spreadsheet%20Templates.jpg" alt="Take Control of Your Money With These 10 Free Spreadsheet Templates" width="250" height="374" /></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/rachel-slifka">Rachel Slifka</a> of <a href="http://www.wisebread.com/take-control-of-your-money-with-these-10-free-spreadsheet-templates">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/7-ways-grown-ups-can-make-new-friends-without-going-broke">7 Ways Grown-Ups Can Make New Friends Without Going Broke</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-you-can-save-1000-by-christmas-if-you-start-now">7 Ways You Can Save $1,000 by Christmas, If You Start Now</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/21-things-you-should-make-your-kids-pay-for">21 Things You Should Make Your Kids Pay For</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-getting-more-sleep-helps-your-finances">How Getting More Sleep Helps Your Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology budget spreadsheet budgeting tips finance tracker spreadsheet templates track your spending Mon, 07 May 2018 08:31:13 +0000 Rachel Slifka 2137073 at http://www.wisebread.com 6 Ways Millennials Are Working Less and Earning More http://www.wisebread.com/6-ways-millennials-are-working-less-and-earning-more <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-millennials-are-working-less-and-earning-more" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/two_millennial_small_business_owners_0.jpg" alt="Two millennial small business owners" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The rise of the internet has been a complete game changer in regards to the new money making opportunities it has opened up. Millennials, in particular, are making money in ways that weren't possible just five or 10 years ago. Entire professions have sprung up that allow savvy entrepreneurs to cash in while actually working less than if they had a regular full-time job.</p> <p>There are plenty of articles out there claiming to show you how easy it is to make millions with very little work. I want to stress that generally this simply isn't the case, and there are no legitimate &quot;get rich quick schemes&quot; on the internet. All of these jobs, even the ones that will eventually provide you with passive income, take a lot of work and dedication to get right, especially at the start.</p> <p>However, with a bit of know-how and a lot of dedication, it's possible to break free from a life chained to your cubicle working 60 hours a week. Millennials have been at the forefront of the latest developments on the internet, and are continually inventing new ways to earn a living through it. Here are six ways millennials are working less and earning more.</p> <h2>1. Cryptocurrency</h2> <p>Cryptocurrency has been constantly in the news recently, with analysts and skeptics regularly predicting that it's on the verge of suffering a huge crash. Despite all the doom and gloom surrounding it, and some recent volatility, there are still plenty of people making money from it. There are also many different ways that people can use <a href="http://www.wisebread.com/what-is-cryptocurrency-anyway?ref=internal" target="_blank">cryptocurrency</a> to make money, meaning it's a versatile income stream. Essentially, cryptocurrency is a digital asset that uses cryptography as a security measure. Bitcoin is one form of cryptocurrency that has been in the spotlight quite a bit. (See also: <a href="http://www.wisebread.com/is-bitcoin-still-a-thing?ref=seealso" target="_blank">Is Bitcoin Still a Thing?</a>)</p> <p>Simon Yu, CEO of blockchain startup StormX told Forbes, &quot;Millennials are particularly open to embracing new technology in order to create opportunities for themselves &mdash; and blockchain, the tech behind crypto, is no different. As masters of the side hustle and challengers of the traditional 9&ndash;5 working lives of previous generations, millennials are welcoming blockchain with open arms.&quot;</p> <p>Trading is probably the most well-known method of making money from cryptocurrency, but by no means the only one. Those with an in-depth knowledge of computers can actually mine cryptocurrency, although profits from this are far lower than they were previously. Buying and holding your chosen cryptocurrency is also a popular way to make profits. Rising values have sparked hundreds of stories about how early investors got rich by cashing out their holdings once their value had soared.</p> <h2>2. Online trading</h2> <p>Where trading stocks used to be relatively complicated to get into, the internet has opened it up to virtually anyone. Trading in the stock market can be a great way to make money online, and you need little more than a laptop or smartphone and an internet connection to get going. By being supremely tech-savvy and learning to trade via apps, millennials are getting more and more involved in the stock trading scene. (See also: <a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use?ref=seealso" target="_blank">The 5 Millennial Money Apps Everyone Should Use</a>)</p> <p>You don't need any specific skills to get started, but it's vital to research properly before sinking your life savings into any particular stock. To get going, open a brokerage account with a reputable stock broker, and then it's a case of finding the right stock that will bring you profits. It's important to know that stock trading always carries a risk, but there are lots of people doing it remotely, millennials in particular, and making it work. (See also: <a href="http://www.wisebread.com/beginners-guide-to-reading-a-stock-table?ref=seealso" target="_blank">Beginner's Guide to Reading a Stock Table</a>)</p> <h2>3. Drop shipping</h2> <p>Drop shipping allows people to create online stores and fulfill their orders without ever having to actually handle the inventory themselves. The orders are fulfilled either directly by the manufacturer, or another third party, freeing up the seller to concentrate solely on attracting new customers and selling products. There's no need for warehouses full of stock and you don't have to deal with postage and packaging, so you can set up and operate with extremely low operating costs.</p> <p>Once a store is set up and running, it can take minimal effort to keep it going. Sites like <a href="https://www.aliexpress.com/" target="_blank">AliExpress</a> have been specifically created for the purposes of connecting dropshippers with manufacturers, and they make the process even simpler because you don't need to source manufacturers yourself. This type of retail suits marketing- and sales-driven individuals who don't want to be bogged down by the manufacturing and delivery fulfillment aspect of running online stores.</p> <p>This trend has become particularly popular among millennials and Gen Z'ers because of internet marketing skills that have grown naturally over a lifetime of use, and it requires little in startup funds to get going.</p> <h2>4. Blogging</h2> <p>With a few minutes and a minimal amount of cash upfront, it's easy to set up your very own blog. Taking it to the next level and monetizing it will take longer, but it's possible to see a decent return on your investment within a matter of months. One of the most important steps is choosing a profitable niche, preferably one that you're already knowledgeable and passionate about so you can write about your subject with authority and enthusiasm right off the bat.</p> <p>Once you've built up an audience, there are lots of income streams open to bloggers. Savvy bloggers also create numerous blogs simultaneously to maximize income. Popular moneymaking methods include: recommending products or services to your audience and receiving payments for affiliate sales, advertising on your blog, and creating and selling your own products, like e-books and podcasts.</p> <p>Because of they&rsquo;ve grown up creating content on social media and microblogging platforms like Tumblr, millennials are generally savvy when it comes to creating blogs, building their networks, and nurturing those digital relationships to ensure their content is shared by as many people as possible. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging?ref=seealso" target="_blank">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>5. Online stores</h2> <p>Forget about renting space, filling it with products, and waiting around for customers to wander in. Online retail shops allow you to set up digitally with minimal upfront costs, and countless ways to actively drive paying customers to your store. Online stores have become big business, particularly with millennials and the rise of smartphones putting products in customers' hands 24/7.</p> <p>Setting up is simple thanks to sites like Shopify or Woocommerce, which have easy-to-use templates and models that can get your online store ready to go in minutes. You can sell products you already have, or look for products to sell on both sites. If selling crafty items is more your style, you can create storefronts on Amazon Handmade or Etsy. It's then a case of promoting these stores and their products online using social media platforms. (See also: <a href="http://www.wisebread.com/the-5-best-sites-to-sell-your-arts-and-crafts?ref=seealso" target="_blank">The 5 Best Sites to Sell Your Arts and Crafts</a>)</p> <h2>6. Ads management</h2> <p>Helping companies unlock the potential of online advertising to increase their reach, and ultimately their profits, has gotten more popular in recent years. Since search engines and social media platforms turn to advertising as their main source of revenue, it has opened up endless possibilities. Facebook advertising, in particular, has become a popular way for people to make money through selling ad management services. It's possible to produce extremely targeted advertisements to a specific audience using the data they collect.</p> <p>Many businesses are completely unaware of how to use online advertising, and local companies potentially may not even have an online presence, making it relatively easy to sell to them. For a monthly retainer they receive guaranteed, quality customer referrals looking to purchase their services or products.</p> <p>Millennials are perfect for gigs like this, as they spend so much time on social media anyway, and have an intimate knowledge of what they and their peers connect to in terms of content.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-millennials-are-working-less-and-earning-more&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520Millennials%2520Are%2520Working%2520Less%2520and%2520Earning%2520More.jpg&amp;description=6%20Ways%20Millennials%20Are%20Working%20Less%20and%20Earning%20More"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Ways%20Millennials%20Are%20Working%20Less%20and%20Earning%20More.jpg" alt="6 Ways Millennials Are Working Less and Earning More" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/6-ways-millennials-are-working-less-and-earning-more">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/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</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-turn-your-expertise-into-a-side-hustle">How to Turn Your Expertise Into a Side Hustle</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-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you">With Micro-Investing, Your Smartphone Pays YOU</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-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> Career and Income Technology gig economy job search side hustle millennial work habits millennials new jobs side gig Tue, 01 May 2018 08:30:18 +0000 Nick Wharton 2136192 at http://www.wisebread.com 5 Phone Plans That Offer Cheaper Roaming Charges While Traveling http://www.wisebread.com/5-phone-plans-that-offer-cheaper-roaming-charges-while-traveling <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-phone-plans-that-offer-cheaper-roaming-charges-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/selfie_in_the_mountain.jpg" alt="Selfie in the mountain" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For years, traveling internationally with a cellphone has lead to exorbitant roaming costs and astronomical charges racked up accidentally along the way. Though phone plans have improved considerably over the past few years &mdash; with carriers making international access a key part of their services &mdash; using your phone abroad can still be costly. There are also massive differences between what each company offers, and it can be difficult to determine which one to select if you spend a lot of time on the road. (See also: <a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling?ref=seealso" target="_blank">8 Ways to Save on Smartphone Costs While Traveling</a>)</p> <p>To save you from running up unforeseen bills on your travels, check out these five phone plans that offer cheaper roaming charges.</p> <h2>1. AT&amp;T International Day Pass</h2> <p>The <a href="https://www.att.com/offers/international-plans/day-pass.html" target="_blank">International Day Pass</a> from AT&amp;T allows you to take your existing plan with you on the road so you're able to use your data, minutes, and text message allowance. It covers you in over 100 countries, is easily activated online or by calling them, and once it's added to your device, it stays there ready to go for each time you head abroad.</p> <p>To qualify for the International Day Pass, you need to have a Mobile Share Plan or the AT&amp;T Unlimited Plan. Conveniently, you only pay the $10 daily fee on the days that you actually use your package, rather than for each day you're abroad.</p> <h2>2. T-Mobile One Plan</h2> <p><a href="https://www.t-mobile.com/optional-services/roaming.html" target="_blank">T-Mobile's One Plan</a> aims to be the simplest, most transparent plan on the market and this objective remains the same when it comes to taking it abroad. There's no need to change any settings on your account before your trip because international roaming comes as standard.</p> <p>You're able to use your unlimited data in over 140 countries, but only with speeds of up to 128 kbps. This is fine for browsing the web or checking emails but no good for streaming or downloads. If you need higher speeds, you can upgrade to the One Plus plan for $10 per month to get 256 kbps. Texting is also free with the plan. Depending on how many lines you have, prices T-Mobile plans can be as low as $40 per month.</p> <h2>3. Sprint Global Roaming</h2> <p>With <a href="https://www.sprint.com/en/shop/services/global-roaming.html" target="_blank">Sprint Global Roaming</a>, international roaming coverage is enabled at no extra cost in more than 200 countries. In 165 destinations that are deemed &quot;low service areas,&quot; the package also includes free texts, free data and low-speed data, and calls at just 20 cents per minute. It should be automatically configured on your smartphone without you having to do anything, so you can simply up and go whenever you want without having to worry about changing your package.</p> <p>The service supports data speeds of up to 2G, which is good enough for basic web usage and things like map navigation, but won't cope with streaming or downloading. If you're a heavy user or need quicker speeds, Sprint has high speed data add-ons that will give you speeds up to LTE. In most destinations the cost will be $5 per day or $25 per week, and you can add this service even if you're already abroad. Sprint's basic plans start at $40&ndash;$60 per month.</p> <h2>4. Verizon Travel Pass</h2> <p><a href="https://www.verizonwireless.com/solutions-and-services/international-travel/" target="_blank">Verizon's Travel Pass plan</a> is virtually identical to the AT&amp;T International Day Pass, allowing you to take your existing plan with you to over 130 countries for a daily fee. In Mexico and Canada, you'll pay an additional $5 per day, and $10 per day in other countries. You'll be able to use your talk, text, and data.</p> <p>You only pay for the days that you actually use the service, and not for each day that you're abroad. Verizon's regular unlimited plans come in at $75 per month for a single line and go as low as $40 per line ($160 per month) if you have four lines.</p> <h2>5. Google Project Fi</h2> <p><a href="https://fi.google.com/about/plan/" target="_blank">Google's Project Fi</a> virtual network came up with a unique way of pricing its plan to give people the ability to only pay for what they use. You pay a flat rate of $20 per month for text and calls, then you pay $10 per GB of data that you use. The plan's simplicity means that it remains exactly the same providing you're in one of the 170+ destinations where they provide coverage.</p> <p>One thing to note with Project Fi is that you have an extremely limited number of phones to choose from that are compatible with the network.</p> <h2>Alternatives to using mobile roaming data</h2> <p>Regardless of which provider you choose, there are pros and cons to using your data package abroad. However, to keep the costs down, there are ways to reduce your time spent using roaming data. (See also: <a href="http://www.wisebread.com/technology-hacks-for-the-international-traveler?ref=seealso" target="_blank">Technology Hacks for the International Traveler</a>)</p> <h3>Buy a local sim card</h3> <p>Depending on where you go, local sims are often the cheapest way to get data at a far lower price. Having used these all over the world, in my experience, they usually range in price from absolutely free to around $10. You can then access local prepaid rates that tend to be cheaper than international roaming rates.</p> <h3>Stick to Wi-Fi</h3> <p>Wi-Fi hot spots are available virtually everywhere, many are free of charge, and they can also provide quicker speeds than cellular data services. If you're able to save your online activity for when you're in range of one, or at your hotel or in a coffee shop with Wi-Fi, you'll save even more.</p> <h3>Extend your data</h3> <p>There are lots of apps available that help to extend your data by compressing it, so you use less than you ordinarily would. Many apps also have options in their settings to compress their data usage, including the Chrome browser, Facebook, and Instagram.</p> <h3>Turn off background data usage</h3> <p>Lots of apps use your data even when they're not actually being used, which can lead to those unexpected, and unbelievably high bills upon returning home. Your process to restrict or turn off background data usage depends on what model of phone you have. You can ordinarily do this in settings or on specific apps.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-phone-plans-that-offer-cheaper-roaming-charges-while-traveling&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Phone%2520Plans%2520That%2520Offer%2520Cheaper%2520Roaming%2520Charges%2520While%2520Traveling.jpg&amp;description=5%20Phone%20Plans%20That%20Offer%20Cheaper%20Roaming%20Charges%20While%20Traveling"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Phone%20Plans%20That%20Offer%20Cheaper%20Roaming%20Charges%20While%20Traveling.jpg" alt="5 Phone Plans That Offer Cheaper Roaming Charges While Traveling" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-phone-plans-that-offer-cheaper-roaming-charges-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-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-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/how-to-take-a-7-day-cross-country-road-trip-for-350-or-less">How to Take a 7-Day Cross Country Road Trip for $350 or Less</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-affordable-kid-free-vacation-ideas">6 Affordable Kid-Free Vacation Ideas</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/7-common-travel-myths-that-people-need-to-stop-believing">7 Common Travel Myths That People Need to Stop Believing</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-budget-destinations-where-you-can-learn-to-scuba-dive">5 Budget Destinations Where You Can Learn to Scuba Dive</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel affordable travel cellphone plan mobile phone phone bill roaming charges smartphone travel tips Fri, 27 Apr 2018 08:30:11 +0000 Nick Wharton 2136189 at http://www.wisebread.com The 5 Best Smart Thermostats http://www.wisebread.com/the-5-best-smart-thermostats <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-smart-thermostats" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/home_smart_thermostat_474100082.jpg" alt="Using the best smart thermostats at home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A smart thermostat can automatically adjust the temperature when no one is home to save you money every season. It can save energy and may even help you qualify for energy-saving programs and utility rebates. Over time, a smart thermostat can even pay for itself with the savings you'll enjoy.</p> <h2>What is a smart thermostat?</h2> <p>A smart thermostat can make your home more energy-efficient. Investing in a smart thermostat can save you big money in the end. That's because running your furnace, heater, or air conditioner more than necessary will just cost you more on your utility bills. The right smart thermostat can keep you at the optimal temperature while you're at home, and help save money on your heating and cooling costs while you're away.</p> <p>In most cases, you can easily connect a smart thermostat to your Wi-Fi network to control it from anywhere. They typically work with most HVAC systems and couldn't be easier to use and setup. They can even learn your habits and schedule, so your home or business is always at the ideal temperature.</p> <h2>Top 5 smart thermostats</h2> <h3>Nest Learning Thermostat</h3> <p><a href="https://amzn.to/2FbCGYB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/nest.jpg" width="245" height="245" align="right" alt="" /></a>Amazon's #1 best-seller in home programmable thermostats, the <a href="https://amzn.to/2FbCGYB" target="_blank">Nest Learning Thermostat</a> learns your habits and schedule. It's easy to use and install, and works with Amazon Alexa, the Nest App, and other smart devices. It features energy saving options, a remote control, auto scheduling, and much more. The Energy Star thermostat also uses Farsight for an easy-to-read display that you can see from across the room, which displays the temperature, weather, and time. It can also alert you if something is wrong in the home while you're away.</p> <p>This is available in a number of color options. It's backed by over 17,000 five-star reviews on Amazon and is recommended by CNET, Tom's Guide, Lifehacker, PCMag, and DigitalTrends.</p> <p><a href="https://amzn.to/2FbCGYB" target="_blank"><em>Currently $222.50 on Amazon</em></a></p> <h3>Honeywell Smart Wi-Fi Programmable Color Touch Thermostat</h3> <p><a href="https://amzn.to/2HohGnr" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/honeywell_5.jpg" width="245" height="190" align="right" alt="" /></a>An Amazon's Choice product, the <a href="https://amzn.to/2HohGnr" target="_blank">Honeywell Smart Wi-Fi Programmable Color Touch Thermostat</a> works with Amazon Alexa. The smart programmable features include flexible scheduling, smart response technology, on-screen comfort information, indoor humidity sensor, auto alerts, and energy-saving options. It includes an app so you can control your thermostat from anywhere. The advanced comfort, security, and control features include a customizable locking color touch-screen, simple setup, and Wi-Fi remote access. It's recommended by Lifehacker and backed by over 3,000 five-star reviews on Amazon.</p> <p><a href="https://amzn.to/2HohGnr" target="_blank"><em>Currently $183.95 on Amazon</em></a></p> <h3>ecobee3 lite Smart Thermostat</h3> <p><a href="https://amzn.to/2JnwHCI" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/ecobee3.jpg" width="245" height="243" align="right" alt="" /></a>Amazon's Choice for smart thermostats, the <a href="https://amzn.to/2JnwHCI" target="_blank">ecobee3 lite Smart Thermostat</a>, 2nd Generation works with Amazon Alexa, optional room sensors, and the mobile app. It offers hands-free control, HomeKit capabilities, and hundreds of integration possibilities. It's easy to install with an easy-to-use touch-screen display. It works with your local weather, schedule, and desired comfort settings.</p> <p>While there are other (even newer) versions of this smart thermostat (such as the <a href="https://amzn.to/2K9PimO" target="_blank">ecobee4 Thermostat</a>), the ecobee3 remains the most popular, dependable option for most people. It has more than 500 five-star reviews on Amazon and is recommended by CNET, Tom's Guide, and Lifehacker. It's also backed by a three-year warranty.</p> <p><a href="https://amzn.to/2JnwHCI" target="_blank"><em>Currently $169.00 on Amazon</em></a></p> <h3>Emerson Thermostats Sensi Smart Thermostat</h3> <p><a href="https://amzn.to/2KdryhK" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/emerson_0.jpg" width="245" height="156" align="right" alt="" /></a>Amazon's Choice for learning thermostats, the <a href="https://amzn.to/2KdryhK" target="_blank">Emerson Thermostats Sensi Smart Thermostat</a>, works with Amazon Alexa and other smart devices. It's easy to install and remotely control temperature and timeline with the free mobile app. It uses geofencing for location-based temperature control and flexible scheduling to help reduce your utility bills. It's recommended by CNET and Lifehacker, and backed by more than 3,500 five-star reviews on Amazon.</p> <p><a href="https://amzn.to/2KdryhK" target="_blank"><em>Currently $135.89 on Amazon</em></a></p> <h3>Honeywell Lyric T5 Wi-Fi Smart Touchscreen Thermostat</h3> <p><a href="https://amzn.to/2HUx8ol" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/honeywell%20t5.jpg" width="245" height="244" align="right" alt="" /></a>The <a href="https://amzn.to/2HUx8ol" target="_blank">Honeywell Lyric T5 Wi-Fi Smart Programmable Touchscreen Thermostat</a> works with Amazon Alexa and features a simple app and HomeKit technology. It also has automation features like Smart Alerts, individualized programming, and geofencing location-based temperature control.</p> <p>The Energy Star Certified thermostat is easy to use and install, allowing you to connect from anywhere with your smartphone or tablet. It has more than 600 five-star reviews on Amazon and is recommended by CNET, PCMag, and Digital Trends.</p> <p><a href="https://amzn.to/2HUx8ol" target="_blank"><em>Currently $98.99 on Amazon</em></a></p> <p>And those are our recommendations for the best smart thermostats. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-smart-thermostats&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Smart%2520Thermostats.jpg&amp;description=The%205%20Best%20Smart%20Thermostats"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Smart%20Thermostats.jpg" alt="The 5 Best Smart Thermostats" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-smart-thermostats">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/the-5-best-air-fresheners">The 5 Best Air Fresheners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-allergen-sprays">The 5 Best Allergen Sprays</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-glass-cleaners">The 5 Best Glass Cleaners</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-shower-curtains">The 5 Best Shower Curtains</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping Technology energy bills go green home product reviews smart thermostat thermostat Wed, 25 Apr 2018 08:00:07 +0000 Andrea Cannon 2135768 at http://www.wisebread.com 20 Fast Food Apps That Help You Score Free Food http://www.wisebread.com/20-fast-food-apps-that-help-you-score-free-food <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-fast-food-apps-that-help-you-score-free-food" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/content_woman_anticipating_hamburger.jpg" alt="Content woman anticipating hamburger" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Fast food apps are increasing in popularity. Not only can they save you time, and help you avoid the hungry crowd with mobile ordering, but they can also save you money. Sure, fast food is known for being affordable, but fast food apps can actually help you score free food. And who doesn't love free food?</p> <p>Of course, the best way to save money on fast food is to avoid it altogether and cook all your meals at home, but we live in the real world of unexpected traffic and busy schedules, and sometimes you need to grab something quickly. All of these apps allow you to order ahead of time to skip the line when you pick up your food and offer rewards for discounts and freebies. Bonus!</p> <p>Here are our favorite 20 fast food apps and the delicious perks that come with them.</p> <h2>1. BJ's Brewhouse</h2> <p>My local BJ's always has a wait of about 30-40 minutes on weekend nights. Luckily, with the app you can put your name on the waitlist before heading to the restaurant and cut down on wait times. The app also rewards members with a free mini pizookie (a pie and cookie hybrid, usually served with ice cream) when they sign up, and orders earn members one point for every dollar spent. Once you have earned 100 points, you will receive a $10 off coupon good for 90 days.</p> <h2>2. Burger King</h2> <p>The Burger King app promises $30 worth of food coupons once you sign up, but in reality, it's BOGO free coupons and other discounted meals. You can also connect your PayPal account to the app for faster payment.</p> <h2>3. Café Rio</h2> <p>The Café Rio app rewards users $10 credit for every 100 points they earn. Usually, you will earn one point for every dollar spent, but many times the app will also reward double points. And your rewards don't expire.</p> <h2>4. Chick-fil-A</h2> <p>I love the Chick-fil-A One app because it's always rewarding me with a free food item. Sometimes it's an ice cream cone, other times it's a salad. The app will also give you rewards for using the app to pay for food directly.</p> <p>And if you haven't used the cow calendar yet, you are missing out. Each year in November, Chick-fil-A restaurants sell $8 calendars that come with cards that have a free food item each month. This card connects to your app, making it simple to redeem your free food item of the month. Didn't grab a calendar in time? Check out eBay. (See also: <a href="http://www.wisebread.com/6-ways-to-score-free-food-at-chick-fil-a?ref=seealso" target="_blank">6 Ways to Score Free Food at Chick-fil-A</a>)</p> <h2>5. Chronic Taco</h2> <p>Chronic Taco adds 50 points to your account right when you sign up. You will also earn one point for every dollar spent at the restaurant. Just 25 points can be redeemed for an order of churro bites, 50 points for a taco, or 100 points for any menu item.</p> <h2>6. Coffee Bean and Tea Leaf</h2> <p>The Coffee Bean and Tea Leaf app offers a free coffee or tea at sign-up. The app also gives app users a free birthday treat and reward points for every purchase you make (a point for every dollar spent). Redeem points toward free drinks and food items. You'll even unlock certain freebie levels (Purple, Platinum, and VIP) with regular use.</p> <h2>7. El Pollo Loco</h2> <p>Earn $10 of free food through the LOCO Rewards every time you earn 100 points by scanning the app, either at the drive-thru window or ordering through the app. You also score a free entree worth up to $7 at sign-up. Each dollar you spend at El Pollo Loco is worth one point, and soon, you will be able to load gift cards straight to the app.</p> <h2>8. Firehouse Subs</h2> <p>As soon as you sign up for the Firehouse Subs app and reward program, you will earn a free large drink, and then a free sub on your birthday. You will also earn one point for every $0.01 you spend, which can be redeemed for free subs and salads.</p> <h2>9. Jack in the Box</h2> <p>The Jack in the Box app offers special in-app offers like two free tacos with any purchase or 10 percent off your order. You can also save your favorite order for quick and easy one-tap ordering.</p> <h2>10. Jamba Juice</h2> <p>Jamba Juice gives new users $3 off your order once you activate your account. You'll also earn a free treat for your birthday, and a $3 reward for every 35 points you earn.</p> <h2>11. Krispy Kreme</h2> <p>Did someone say free doughnuts? Sign up for the Krispy Kreme app to receive a free Original Glazed doughnut upon registration and on your birthday. You can also earn free boxes of doughnuts and beverages after so many purchases, which is a nice bonus if you're in charge of snacks for your office or child's school.</p> <h2>12. McDonald's</h2> <p>Compared to other fast food chains, McDonald's offers coupons and rewards on their app that are quite decent for lovers of fast food or those who find themselves in a dinnertime pinch. The app gives you instant access to food coupons, like $2 off a Signature Crafted sandwich through mobile order and pay, or free fries with any purchase on Fridays.</p> <p>Additionally, McDonald's also offers McCafe rewards, which allows you to earn a free McCafe drink after purchasing five &mdash; no size limits.</p> <h2>13. Panera Bread</h2> <p>MyPanera Rewards gives members rewards for three things: for their birthdays, for spending, and just because. There have been months when the app rewarded me a free coffee or a free bagel for every day of the month &mdash; no additional purchase necessary. I also like that the app rewards a free food reward after so many visits, not based on how much money I spent.</p> <h2>14. Pick Up Stix</h2> <p>Every dollar you spend at Pick Up Stix will earn you one &quot;Fortune.&quot; After you earn 100 Fortunes, you can redeem them for a free entree. Sign up for the app through Facebook to receive free Fortunes.</p> <h2>15. PizzaRev</h2> <p>PizzaRev fans can earn one point for every dollar spent through the app. Once you earn 100 points, you can redeem them for a free pizza or entree salad. Rev Rewards members also receive free treats on their birthday.</p> <h2>16. Starbucks</h2> <p>With the Starbucks app, you earn two stars for every $1 spent, and a free drink or food item for your birthday. You also get a free drink or food item for every 125 stars you earn. They will often offer reward promotions for buying certain beverages, as well. (See also: <a href="http://www.wisebread.com/7-starbucks-savings-hacks-that-actually-work?ref=seealso" target="_blank">7 Starbucks Savings Hacks That Actually Work</a>)</p> <h2>17. Sonic</h2> <p>With the Sonic app, you instantly get a free slush reward at sign-up. And new offers are applied to your Sonic app account each month. Also, every month features a deal for a $1.99 Wacky Pack, which is a Sonic's kid's meal. Other deals are usually for half-off blasts, shakes, or floats. (See also: <a href="http://www.wisebread.com/best-kids-eat-free-restaurants?ref=seealso" target="_blank">Best Kids Eat Free Restaurants</a>)</p> <h2>18. Subway</h2> <p>Eat fresh and earn tokens for every purchase you make at Subway. Earn 100 tokens, and you will be rewarded with a $2 off coupon. You will also earn bonus surprises, such as a free cookie on your birthday. This app also has surprise deals that can be redeemed through your phone.</p> <h2>19. Whataburger</h2> <p>The Whataburger app rewards you based off visits rather than the amount of money you spend. If you use the app on five separate visits, you will have your choice of a free honey butter chicken biscuit, medium French fry, taquito, cinnamon roll, or a small shake on your next visit.</p> <h2>20. Yogurtland</h2> <p>Sign up for Yogurtland&rsquo;s Real Rewards program to earn an initial free three-ounces for registering and another free three-ounces on your birthday. You earn a point for every ounce purchased. Yogurtland&rsquo;s reward program is tiered (Green, Raspberry, and Platinum), so once you earn 60 points, you can move from Green to Raspberry and earn three-ounces free for every 36 points earned.</p> <h2>How to save even more with fast food apps</h2> <p>Obviously these apps were created to get you to spend money on fast food in order to score free food, but here are three ways you can spend less and still get rewards.</p> <h3>Buy discounted gift cards</h3> <p>Look for discounted gift cards on eBay and other reputable gift card sites to save a small percentage on your fast food budget. Load that card to your account and earn points through the app. Warehouse clubs, like Costco, also offer discounted cards to Jamba Juice regularly.</p> <h3>Take advantage of gift card promos</h3> <p>Sometimes these restaurants will offer a deal like, &quot;Buy $X worth of gift cards get a meal or drink for free.&quot; You can buy the gift cards to get the free item in one transaction and then load the gift cards on the app in order to keep earning rewards without spending more money to do so.</p> <h3>Do separate transactions to use more coupons</h3> <p>You usually can't combine coupons in a single transaction, but luckily, several fast food places are fine with you having separate transactions in order to take advantage of more than one coupon.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F20-fast-food-apps-that-help-you-score-free-food&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F20%2520Fast%2520Food%2520Apps%2520That%2520Help%2520You%2520Score%2520Free%2520Food.jpg&amp;description=20%20Fast%20Food%20Apps%20That%20Help%20You%20Score%20Free%20Food"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/20%20Fast%20Food%20Apps%20That%20Help%20You%20Score%20Free%20Food.jpg" alt="20 Fast Food Apps That Help You Score Free Food" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/20-fast-food-apps-that-help-you-score-free-food">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/how-to-stop-the-takeout-meal-cycle-and-save">How to Stop the Takeout Meal Cycle and Save</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-restaurant-menus-are-designed-to-make-you-spend-more">9 Ways Restaurant Menus Are Designed to Make You Spend More</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/cooking-for-beginners-10-recipes-for-kitchen-newbies">Cooking for Beginners: 10 Recipes for Kitchen Newbies</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-great-cheap-and-easy-crock-pot-recipes">25 Great, Cheap, and Easy Crock Pot Recipes</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/cooking-great-meals-with-your-car-engine-the-heat-is-on">Cooking great meals with your car engine. The heat is on.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Technology dinner ideas eating out Fast Food fast food apps food apps phone apps Takeout Tue, 24 Apr 2018 08:00:07 +0000 Ashley Eneriz 2133483 at http://www.wisebread.com 8 Ways Social Media Tricks You Into Spending More http://www.wisebread.com/8-ways-social-media-tricks-you-into-spending-more <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-social-media-tricks-you-into-spending-more" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/summer_shopping_in_the_city.jpg" alt="Summer shopping in the city" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When it comes to saving money, social media may not be your friend &mdash; especially if you're a millennial. Research shows that a whopping <a href="https://www.allianzlife.com/-/media/files/allianz/pdfs/newsroom/2018-allianz-generations-ahead-fact-sheet-3.pdf?la=en&amp;hash=1EEE6760599516273AC49A4712924887E665A52A" target="_blank">57 percent of millennials</a> spent money they hadn't planned to spend because of what they saw on social media. Here are some of the sneaky ways social media gets you to spend more, and what you can do to avoid it.</p> <h2>1. Impulse buys</h2> <p>Social media makes it easy for you to hand over your hard-earned (digital) cash with frictionless in-app purchases, like unlocking game levels, adding monthly subscriptions, and shopping for items recommended by people you follow. Within seconds, you can tap or swipe your way into an expensive, unplanned purchase.</p> <p>Avoid this impulse by making it your policy to save the photo of the item or subscription and revisit it at a later date. Chances are, by the time you look at the saved photo later, you won't want the item as badly, or at all. Another strategy that works for me is looking up the reviews of the item before buying. A lot of the time, items that are super trendy on social media get terrible reviews in real life. Find a mental trick that works for you, like telling yourself you'll wait until the item is on sale, to delay purchasing until you've thought it through. (See also: <a href="http://www.wisebread.com/7-effortless-ways-to-prevent-budget-busting-impulse-buys?ref=seealso" target="_blank">7 Effortless Ways to Prevent Budget-Busting Impulse Buys</a>)</p> <h2>2. Suggested posts</h2> <p>Social media algorithms may not be helping you in your quest to save money. If you've shown interest in anything from fashion, to coffee, to beauty products, the algorithm on platforms like Instagram remembers what it thinks you like and shows you similar content and products. When you open up the app, the algorithm may then show you a barrage of things you should buy &mdash; and they're usually tailored to your preferences, making it doubly hard to resist.</p> <p>To avoid this influx of temptation, be sure to avoid the Explore page on Instagram or skip over suggested posts if you can. You might not be able to avoid all temptation, but you'll definitely cut down on the sheer number of tempting photos you see. Also, avoid &quot;liking&quot; photos full of products, so the algorithm doesn't push similar content into your feed. (See also: <a href="http://www.wisebread.com/5-mental-biases-that-are-keeping-you-poor?ref=seealso" target="_blank">5 Mental Biases That Are Keeping You Poor</a>)</p> <h2>3. Those sneaky influencers</h2> <p>If you follow any influencers, your best bet is to unfollow them if you want to keep your hard-earned cash. Seeing someone else's perfectly-curated and styled life is a surefire way to feel unsatisfied with what you currently have, especially if the influencer has (as most do) cultivated an approachable persona.</p> <p>Remember, influencers are <em>not</em> just like us. That entire line of Tom Ford lipsticks, the stylish new watches, and the new clothing line at Nordstrom were probably all provided for free, as was the trip on a private yacht to a beautiful island getaway to show off all their new wares in front of epic scenery. If you start trying to keep up with your favorite influencer's lifestyle, you'll quickly end up in the poorhouse.</p> <h2>4. FOMO</h2> <p>It's telling that fear of missing out, aka FOMO, has become common parlance on social media. Most of us, to some extent, want to keep up with everyone else. And we fear being left behind, or being seen as not up-to-date.</p> <p>Remember that trends come and go fast, especially on social media. Once you buy that latest gear, watch, or stylish outfit, in a few months, the next trend cycle will be pushing another product. Instead of buying something to fit in with the crowd, think about whether it truly fits in with your needs and lifestyle. (See also: <a href="http://www.wisebread.com/are-you-letting-fomo-ruin-your-finances?ref=seealso" target="_blank">Are You Letting FOMO Ruin Your Finances?</a>)</p> <h2>5. An expanded social circle</h2> <p>Before the advent of social media, it was hard enough to resist comparing ourselves to our friends, but it's even more difficult now with our drastically expanded circles on social media. The increased frequency of social contact online has also made it harder to resist spending. Whereas before social media, you might've seen that uber-rich high school classmate once a year, now you see what she's doing everyday on Instagram. In fact, 88 percent of millennials believe that social media makes them compare themselves more with others.</p> <p>Consider unfollowing people you barely know on social media, especially if they're a bad influence on your shopping habits. Instead, interact with closer friends more frequently &mdash; social media algorithms usually show you posts from accounts you interact with more frequently &mdash; rather than acquaintances you barely know, and will probably never see again in real life. (See also: <a href="http://www.wisebread.com/4-money-lessons-you-can-learn-from-the-joneses?ref=seealso" target="_blank">4 Money Lessons You Can Learn From the Joneses</a>)</p> <h2>6. Endless MLMs from old friends</h2> <p>Not long ago, it seemed like every time I opened Facebook, another friend was hawking leggings, skin care, or essential oils from a multilevel marketing (MLM) company. Wanting to support friends who are trying to make ends meet is an admirable goal, but doing so can quickly add up, especially with the high prices of most of these MLM products. Before long, buying a few products I didn't need had completely wiped out my &quot;fun&quot; money for the month.</p> <p>Facebook allows you to stay friends with a person, but to stop allowing their posts to show up on your feed. All you need to do is unfollow. Eventually, I had to block the feeds of more than one person to prevent my feed from turning into one huge ad. Those friends can still send messages to me, but I don't see what they post unless I consciously go and check out their page. And now, when people approach me about MLM products, I tell them that I already have a supplier. (See also: <a href="http://www.wisebread.com/5-friend-types-that-can-hurt-your-finances?ref=seealso" target="_blank">5 Friend Types That Can Hurt Your Finances</a>)</p> <h2>7. Hyper-targeted ads</h2> <p>Sometimes it seems as if the internet is reading your mind. Advertisers on social media are able to target you based on the data you generate by using the platform. Everything including the movie you streamed recently, the ramen shop you checked in at, and your political leanings are accessible in this new marketplace, making it harder to ignore ads that seem custom-made for you.</p> <p>In the interest of preserving your hard-earned cash, take steps to prevent ads from being quite as eerily targeted toward your likes. Clicking on the small triangular &quot;AdChoices&quot; logo on any online ads served to you will take you to a page run by an organization called the Digital Advertising Alliance. Once you get to the AdChoices page, you can opt out of having ad networks target you with personalized information. It won't block ads entirely, but it will help you avoid the onslaught of personalized ads.</p> <h2>8. Go off the grid</h2> <p>It may seem old-fashioned, but it's nice to take a break from social media sometimes if you feel you're too caught up in the constant marketing ploys. Research shows that spending a lot of time on social media can have negative effects on your mental health. Try consciously unplugging over the weekend and spending that time with friends in-person, or limiting yourself to an hour a day of social media time throughout the week.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-ways-social-media-tricks-you-into-spending-more&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Ways%2520Social%2520Media%2520Tricks%2520You%2520Into%2520Spending%2520More.jpg&amp;description=8%20Ways%20Social%20Media%20Tricks%20You%20Into%20Spending%20More"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Ways%20Social%20Media%20Tricks%20You%20Into%20Spending%20More.jpg" alt="8 Ways Social Media Tricks You Into Spending More" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/8-ways-social-media-tricks-you-into-spending-more">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/heres-how-too-many-decisions-costs-you-money">Here&#039;s How Too Many Decisions Costs You 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/these-6-shopping-challenges-will-keep-you-stylish-without-breaking-your-budget">These 6 Shopping Challenges Will Keep You Stylish Without Breaking Your Budget</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-avoid-7-common-spring-spending-traps">How to Avoid 7 Common Spring Spending Traps</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-one-question-you-should-ask-before-every-major-purchase">The One Question You Should Ask Before Every Major Purchase</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/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology impulse buys mental bias privacy saving money shopping habits social media social media tips Spending Money Thu, 19 Apr 2018 09:00:06 +0000 Camilla Cheung 2131790 at http://www.wisebread.com 12 Gov't Social Media Accounts You Should Follow http://www.wisebread.com/12-govt-social-media-accounts-you-should-follow <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-govt-social-media-accounts-you-should-follow" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_using_smartphone.jpg" alt="Girl using smartphone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the Trump era, Twitter has become the de facto way that the White House communicates with the American public. But @realDonaldTrump isn't the only government social media account out there. By keeping an eye on various authorities on Twitter, Instagram, and Facebook, you can stay on top of just about everything: how to save energy, when you can get a deal on park entrance, how early you should get to the airport, and whether you need to board up your windows due to an oncoming storm.</p> <h2>1. National Weather Service</h2> <p><a href="https://twitter.com/NWS" target="_blank">@NWS</a> on Twitter, <a href="https://www.instagram.com/nws/" target="_blank">@nws</a> on Instagram, <a href="https://www.facebook.com/NWS/" target="_blank">@NWS</a> on Facebook</p> <p><strong>What it's good for:</strong> Severe weather alerts nationwide, making it valuable to travelers. If you're expecting a hurricane, a blizzard, or a flood, follow one of the local accounts the NWS maintains so you know whether you need to evacuate.</p> <h2>2. Centers for Disease Control and Prevention</h2> <p><a href="https://twitter.com/CDCgov" target="_blank">@CDC</a> on Twitter, <a href="https://www.instagram.com/cdcgov/" target="_blank">@cdcgov</a> on Instagram, <a href="https://www.facebook.com/CDC/" target="_blank">@CDC</a> on Facebook</p> <p><strong>What it's good for:</strong> Handy health info such as how to differentiate a cold from the flu, or where to get a yellow fever vaccination. You'll also get warnings about food recalls due to bacterial contamination.</p> <p>Add <a href="https://twitter.com/cdcemergency" target="_blank">@cdcemergency</a> to your follows, too. This is where the CDC puts its warnings about public health emergencies such as epidemics and natural disasters.</p> <h2>3. Department of Interior</h2> <p><a href="https://twitter.com/Interior" target="_blank">@interior</a> on Twitter, <a href="https://www.instagram.com/usinterior/" target="_blank">@usinterior</a> on Instagram, <a href="https://www.facebook.com/USInterior/" target="_blank">@usinterior</a> on Facebook</p> <p><strong>What it's good for:</strong> Stunning vistas and wildlife pics from our public lands. You'll also get a heads up when admission to National Parks is free. These accounts will also alert the public if there's a wildfire in a park or if a government shutdown is closing parks.</p> <h2>4. The Consumer Financial Protection Bureau</h2> <p><a href="https://twitter.com/cfpb" target="_blank">@CFPB</a> on Twitter, <a href="https://www.facebook.com/CFPB/" target="_blank">@CFPB</a> on Facebook</p> <p><strong>What it's good for:</strong> Education on how to recognize financial scams, your rights when collectors call, and any changes in tax laws. Also, you'll probably hear about a major financial data breach here first. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso" target="_blank">6 Ways Social Media Can Save You Money</a>)</p> <h2>5. Transportation Security Administration</h2> <p><a href="https://twitter.com/TSA" target="_blank">@TSA</a> on Twitter, <a href="https://www.instagram.com/tsa/" target="_blank">@tsa</a> on Instagram, <a href="https://www.facebook.com/TSA/" target="_blank">@TSA</a> on Facebook</p> <p><strong>What it's good for:</strong> Your travel questions get answered here, such as, &quot;Can my husband carry on his <a href="https://www.instagram.com/p/BgZJTRRnk2-/" target="_blank">dead bug specimen</a>?&quot; Turns out, the answer is yes! You'll also find changes in ID requirements and carry-on rules. Watch for warnings about delays at specific airports as TSA rolls out new security screenings.</p> <h2>6. U.S. Consumer Product Safety Commission</h2> <p><a href="https://twitter.com/USCPSC" target="_blank">@USCPSC</a> on Twitter, <a href="https://www.instagram.com/uscpsc/" target="_blank">@uscpsc</a> on Instagram, <a href="https://www.facebook.com/USCPSC/" target="_blank">@USCPSC</a> on Facebook</p> <p><strong>What it's good for:</strong> Product recalls, and safety warnings you might not have thought of, like the importance of locking up the liquid nicotine used in e-cigarettes, especially if you have children or pets that could get into it. If it turns out a product you're using can be deadly, you'll want to know right away. You'll also be exposed to hilarious safety-related memes.</p> <h2>7. Federal Emergency Management Agency</h2> <p><a href="https://twitter.com/fema" target="_blank">@fema</a> on Twitter, <a href="https://www.instagram.com/fema/" target="_blank">@fema</a> on Instagram, <a href="https://www.facebook.com/FEMA/" target="_blank">@FEMA</a> on Facebook</p> <p><strong>What it's good for:</strong> Giving you a heads up when weather conditions may lead to disaster, such as a recent warning to Southern Californians that heavy rain coming in might lead to debris flows in burn areas. In case of tornado, hurricane, wildfire, earthquake, tsunami, or any other emergency, tune in here for evacuation instructions, local phone numbers for help, and other potentially lifesaving information.</p> <h2>8. National Aeronautics and Space Administration</h2> <p><a href="https://twitter.com/NASA" target="_blank">@NASA</a> on Twitter, <a href="https://www.instagram.com/nasa/" target="_blank">@nasa</a> on Instagram</p> <p><strong>What it's good for:</strong> Cool videos from the International Space Station, Q&amp;As with astronauts, contests, and job listings. Follow these accounts and you'll be the first to hear about any massive asteroids heading toward Earth or alien attacks.</p> <h2>9. Department of Energy</h2> <p><a href="https://twitter.com/energy" target="_blank">@ENERGY</a> on Twitter, <a href="https://www.instagram.com/energy/" target="_blank">@energy</a> on Instagram, <a href="https://www.facebook.com/energygov/" target="_blank">@energygov</a> on Facebook</p> <p><strong>What it's good for:</strong> Energy saving tips. You'll also find instructions on how to prepare for and avoid power outages during storms. Nuclear power plant emergency or massive blackout? You'll hear that here first, too.</p> <h2>10. U.S. Geological Survey earthquake alerts</h2> <p><a href="https://twitter.com/usgsted" target="_blank">@USGSted</a> on Twitter</p> <p><strong>What it's good for:</strong> Popular in seismically unstable regions such as the San Francisco Bay Area, this feed will share the most recent quakes all over the world, so you can verify whether the shaking you just felt was a truck going by or an earthquake. If The Big One hits you, you're unlikely to be able to pull up Twitter, but if The Big One hits the area where a loved one lives, you can monitor this feed for details.</p> <h2>11. U.S. Department of State</h2> <p><a href="https://twitter.com/StateDept" target="_blank">@StateDept</a> on Twitter, <a href="https://www.instagram.com/statedept/" target="_blank">@statedept</a> on Instagram, <a href="https://www.facebook.com/usdos/" target="_blank">@usdos</a> on Facebook</p> <p><strong>What it's good for:</strong> A recent post advised citizens to apply for a passport before an impending price increase. You can also find official statements &mdash; often on video &mdash; to help you stay on top of developments on the world geopolitical scene. If our tensions with Russia and North Korea lead to World War III, this would be the ideal news source.</p> <h2>12. Your local government agencies</h2> <p>Probably the most useful government social media accounts are not national. You'll want to subscribe to your local police department, transportation authority (I recently checked California's to find out the conditions at Donner Pass on my way to a ski trip), and school district. Some cities have Twitter accounts you can use to notify authorities of things that need attention, like potholes and criminal activity.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F12-govt-social-media-accounts-you-should-follow&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F12%2520Gov%2527t%2520Social%2520Media%2520Accounts%2520You%2520Should%2520Follow.jpg&amp;description=12%20Gov't%20Social%20Media%20Accounts%20You%20Should%20Follow"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/12%20Gov%27t%20Social%20Media%20Accounts%20You%20Should%20Follow.jpg" alt="12 Gov't Social Media Accounts You Should Follow" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/12-govt-social-media-accounts-you-should-follow">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/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</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-signs-you-need-a-social-media-detox">8 Signs You Need a Social Media Detox</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/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media 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/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> Technology Facebook government instagram social media social media tips twitter twitter followers Tue, 17 Apr 2018 08:30:09 +0000 Carrie Kirby 2130751 at http://www.wisebread.com The 5 Best Debt Tracking Systems http://www.wisebread.com/the-5-best-debt-tracking-systems <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-debt-tracking-systems" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/busy_lady_working_on_a_computer.jpg" alt="Busy lady working on a computer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;What gets measured gets managed&quot; is an adage, and it's true. If you're in debt, one of the best ways to motivate yourself to get <em>out</em> of debt is by tracking it. Debt tracking websites and apps allow you to create debt payoff plans, calculate how much interest you'll pay in the process of becoming debt-free, and predict the all-holy debt-free date. Many even let you play around to see what the effect of extra monthly payments are.</p> <p>There are a ton of free debt tracking tools, but which one is right for you? As a debt blogger, I've spent three years trying and reading extensively about various tools, and have come up with a list of five that I think are best.</p> <h2>1. Undebt.it</h2> <p><a href="http://www.undebt.it" target="_blank">Undebt.it</a> undoubtedly has the most features of any debt tracker out there. It's the Cadillac of debt-payoff trackers. This comes in especially handy for student loans and credit cards, many of which have helpful (but complicated) repayment schemes and promotional offers.</p> <p>Undebt.it also has a number of options for calculating a debt-payoff plan. You can choose from the debt snowball method (lowest balance first), debt avalanche method (highest interest rate first), or even create a custom payoff plan. (See also: <a href="http://www.wisebread.com/snowballs-or-avalanches-which-debt-reduction-strategy-is-best-for-you?ref=seealso" target="_blank">Snowballs or Avalanches: Which Debt Reduction Strategy Is Best for You?</a>)</p> <p>It even supports the <a href="http://www.wisebread.com/get-out-of-debt-faster-with-the-debt-snowflake?ref=internal" target="_blank">debt snowflake</a> method of making small, extra payments as you're able. And you can switch among all these plans whenever you want.</p> <p>The only downside of Undebt.it is that it's a bit clunky until you get used to it. The full suite of free features is nice, but it does take a bit of time navigating the website to understand all the ins and outs.</p> <h2>2. Unbury.me</h2> <p>If Undebt.it seems too confusing, try <a href="http://unbury.me" target="_blank">Unbury.me</a>. Its simple block-style layout is pleasing to the eye, and entering debts is a snap. It's almost <em>too</em> simple, which is why this debt tracker works best if your debts are relatively straightforward with no confusing, shifting APRs or payment schemes. Just remember to sign up for a free account after you enter your debt information to save your work, or it'll all be lost as soon as you leave the page!</p> <h2>3. Mint</h2> <p>You might be familiar with the popular budgeting software <a href="http://www.mint.com" target="_blank">Mint</a>, but did you know you can use it to track your debt as well? Using its Goals function, click on &quot;Pay Off Loans&quot; or &quot;Pay Off Credit Card Debt.&quot; It'll automatically populate the screen with your loans or your credit cards, and ask you to input any missing information about your interest rates and minimum monthly payments.</p> <p>By sliding the payment toggle, you can instantly see how much interest you'll save by raising or lowering your monthly payment amount, along with how long it'll take you to get out of debt. Select your payment amount, and follow Mint's instructions on where to send the extra payments.</p> <p>The beauty of the Mint system is that it updates automatically, meaning you don't have to login and update your account every time you make a payment. Plus, you get all of Mint's extra budgeting tools.</p> <h2>4. Debt Payoff Assistant</h2> <p>The <a href="https://itunes.apple.com/us/app/debt-payoff-assistant/id475099959?mt=8" target="_blank">Debt Payoff Assistant</a> app is the most basic, no-frills debt payoff tracker. It comes with three payoff plans to choose from: lowest balance first, highest balance first, and highest interest first. You can also come up with a custom plan if none of these work for you.</p> <p>Debt Payoff Assistant doesn't really offer much in the way of visualization except for a pie chart that shows you what kinds of loans make up your total debt. If you really want a graph of your debt over time, try Undebt.it or Unbury.me.</p> <h2>5. Debt Payoff Planner Calculator</h2> <p>If your debt payoff scheme confuses you, consider going with the <a href="https://itunes.apple.com/us/app/debt-payoff-planner-and-calculator/id1009323715?mt=8" target="_blank">Debt Payoff Planner Calculator</a> app. The strength of this app is that it shows you exactly how much money to send to each debt every month, with the amounts changing as you pay off certain debts. You can choose from three payoff plans: the debt snowball plan, the debt avalanche plan, or a custom plan.</p> <p>Again, this app doesn't really show you a great visualization of your debt payoff progress. Choose another debt payoff tracker if that's important to you.</p> <p>If you're not sure which tracker is right for you, choose a couple to try out for a month or two. The idea is to help you get clearer about what you owe, the best way to pay it off, and to help you stay motivated until your balances are cleared.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-debt-tracking-systems&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Debt%2520Tracking%2520Systems.jpg&amp;description=The%205%20Best%20Debt%20Tracking%20Systems"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Debt%20Tracking%20Systems.jpg" alt="The 5 Best Debt Tracking Systems" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lindsay-vansomeren">Lindsay VanSomeren</a> of <a href="http://www.wisebread.com/the-5-best-debt-tracking-systems">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/8-questions-to-ask-before-hiring-a-credit-counselor">8 Questions to Ask Before Hiring a Credit Counselor</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/what-happens-to-debt-after-divorce">What Happens to Debt After Divorce?</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-freedom-of-a-debt-free-life">The Freedom of a Debt-Free Life</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</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/re-age-your-credit-card-debt-to-protect-your-credit-score">Re-Age Your Credit Card Debt to Protect Your Credit Score</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Technology debt management tips debt tracking system debt-free financial apps money apps Paying Off Debt Fri, 06 Apr 2018 08:30:05 +0000 Lindsay VanSomeren 2127515 at http://www.wisebread.com 4 Tech Add-Ons That Can Save Travelers Time and Money http://www.wisebread.com/4-tech-add-ons-that-can-save-travelers-time-and-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-tech-add-ons-that-can-save-travelers-time-and-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businessman_waiting_for_flight.jpg" alt="Businessman waiting for flight" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you&rsquo;re considering adopting a <a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle?ref=internal" target="_blank">location-independent lifestyle</a>, or you&rsquo;re already a digital nomad, your electronic devices are critical to you being able to work while you travel. Making sure you&rsquo;ve got a strong internet connection and plenty of power can be challenging on the road. Without those, your productivity will suffer, which could cost you big bucks. Here are four tech add-ons to stock up on before your next trip that can save you both time and money.</p> <h2>Wi-Fi range extender</h2> <p>If you're working while traveling, you probably spend a significant amount of time holed up in your hotel room, hunched over your laptop. Or if you're taking a well-earned vacation, you might choose to relax by streaming a movie or listening to some music. The problem comes when you find yourself confined to a room that's far from the router with a patchy signal. The speed can slow so much that it feels like you've gone back to the days of dial up.</p> <p>Luckily, there are devices that allow you to seamlessly connect as if the router was right next to you. <a href="http://amzn.to/2oQxR1R" target="_blank">Wi-Fi range extenders</a> increase the coverage areas and boost the strength of slow connections in areas farther from the router. All you need is the network's password, and to be at least on the edge of the signal to set it up. Most hotels offer free Wi-Fi to their guests (or for a small fee), so you should have no problem getting their network password. Vacation rentals will most likely include this for you to use, as well.</p> <p>There are two main kinds of Wi-Fi range extenders available. One plugs into a wall socket and picks up the signal from the router by amplifying it and then transmitting it again. This allows anyone with the password to access the extended network, so it's the preferred kind to use if you have multiple devices, or if there is more than one person who needs to use the Wi-Fi connection. However, it does mean that you need access to a wall socket, which may be difficult depending on where you are.</p> <p>The second type is a mini antenna that plugs directly into the USB port of your laptop. It will pick up a weak signal and turn it into a strong, consistent connection. The benefit of this model of Wi-Fi extender is that you don't need a wall socket to use it &mdash; making it more convenient when there isn't one available. However, it will only work for the device it's plugged into, and many models only connect to laptops, meaning your phone or tablet will still be out of commission. (See also: <a href="http://www.wisebread.com/6-ways-to-slash-the-cost-of-wi-fi-when-you-travel?ref=seealso" target="_blank">6 Ways to Slash the Cost of Wi-Fi When You Travel</a>)</p> <h2>Portable charger</h2> <p>When you're in a foreign country, you tend to rely on your gadgets even more heavily than when you're at home. Smartphones have become indispensable traveling tools that enable you to do anything from booking accommodation and searching for directions, to downloading your boarding pass or ordering an Uber.</p> <p>But, virtually all of your entertainment devices require a charged battery to function. Whether it's an e-reader, a tablet, a camera, or a Bluetooth speaker, they all need to be juiced up to be of use while you're on the go.</p> <p>A <a href="http://amzn.to/2oUWU3w" target="_blank">portable charger, also known as a power bank</a>, can help you avoid a dead battery while you&rsquo;re out and about. You can charge your devices on the go, instead of needing to be chained to a wall socket while waiting for your devices to charge.</p> <p>Power banks come in all shapes and sizes, and hold varying amounts of power. Tiny, lipstick-sized power banks will fit in your pocket, while the highest capacity models are understandably more bulky, but can power anything up to the size of a laptop. You can even get solar powered power banks, which will convert the sun's rays into battery juice.</p> <h2>Portable Wi-Fi router</h2> <p>If you're a frequent traveler who is constantly connected to the internet, then a <a href="http://amzn.to/2oUKEA5" target="_blank">portable Wi-Fi router</a> may be a good investment. Essentially, it's a router that works like any other, allowing you to wirelessly connect multiple devices at the same time. The difference is that a travel router accesses the internet through a tethered cellphone, using a sim card and USB cord. You can create your very own private Wi-Fi network anywhere there's cellular coverage, whether you're on the beach or lounging by the pool.</p> <p>The best portable Wi-Fi routers are unlocked, so you can pick up a cheap local sim card in whichever country you're in. Or, you can purchase a global sim that gives you coverage across several countries, but these are often more pricey than a local sim. If you're going to a country where you're able to use your regular data package, like Mexico, you can even use your existing sim card.</p> <p>Beware, though: Not all portable Wi-Fi devices are created equal. This is particularly true in regards to speed, as some are capable of providing standard 3G, right up to 4G+ connectivity to allow super quick downloads. They also come in different sizes, the most practical of which can easily fit in your pocket. (See also: <a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling?ref=seealso" target="_blank">8 Ways to Save on Smartphone Costs While Traveling</a>)</p> <h2>Travel surge protector</h2> <p>Power surges can have catastrophic consequences for your electrical devices. They're usually over in milliseconds and occur multiple times per day in electrical circuits all over the world.</p> <p>There are two main types of power surges that occur, with multiple potential causes. First, there are surges sparked by outside events, like storms, lightning strikes, or compromised power lines. Unfortunately, these are usually very strong and there's not much you can do about them.</p> <p>Then there are surges that arise inside, usually caused by faulty electronics or when high-powered electrical devices are in use. The demand that elevators, refrigerators, or even hairdryers momentarily put on an electrical circuit can result in a potentially devastating power fluctuation.</p> <p>There are many countries across the globe where the power supply simply isn't as advanced or reliable as it is in the U.S. If you want to prevent having your precious electrical devices fried by an unexpected power surge then you need to add a <a href="http://amzn.to/2HfMWAH" target="_blank">travel surge protector</a> to your packing list.</p> <p>It plugs into the wall socket like a standard travel adapter, and you plug your devices into it. The surge protector acts as a barrier to stop any electrical spikes from cooking your electrical gadgets, saving you the potential inconvenience and cost of replacing them.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-tech-add-ons-that-can-save-travelers-time-and-money&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Tech%2520Add-Ons%2520That%2520Can%2520Save%2520Travelers%2520Time%2520and%2520Money.jpg&amp;description=4%20Tech%20Add-Ons%20That%20Can%20Save%20Travelers%20Time%20and%20Money"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Tech%20Add-Ons%20That%20Can%20Save%20Travelers%20Time%20and%20Money.jpg" alt="4 Tech Add-Ons That Can Save Travelers Time and Money" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/4-tech-add-ons-that-can-save-travelers-time-and-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/the-5-best-travel-adapters">The 5 Best Travel Adapters</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-cool-travel-items-for-your-summer-vacation">12 Cool Travel Items for Your Summer Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-travel-cable-organizers">The 5 Best Travel Cable Organizers</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-travel-splurges-that-are-worth-every-penny">5 Travel Splurges That Are Worth Every Penny</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-professional-award-bookers-can-get-you-free-rewards-flights">How Professional Award Bookers Can Get You Free Rewards Flights</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology Travel chargers tech gadgets tech upgrades travel accessories travel tips Mon, 19 Mar 2018 09:30:20 +0000 Nick Wharton 2119240 at http://www.wisebread.com