money http://www.wisebread.com/taxonomy/term/83/all en-US How to Navigate 3 Common Money Arguments With Your Significant Other http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-navigate-3-common-money-arguments-with-your-significant-other" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_fighting_000033631562.jpg" alt="couple fighting over common money issues between significant others" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Think about your last big argument with your sweetheart. You know the one &mdash; the knock-down, drag-out &quot;heated discussion&quot; that made you wonder if you or your partner (or both of you) were crazy, because there was simply no consensus to be had.</p> <p>Chances are that argument was about money.</p> <p>According to a 2012 survey by the American Institute of CPAs, money is the most common <a href="http://www.aicpa.org/press/pressreleases/2012/pages/finances-causing-rifts-for-american-couples.aspx">reason married couples fight</a>, ahead of children, household chores, work, and friends. Unfortunately, fighting about money on a regular basis also indicates a <a href="http://onlinelibrary.wiley.com/doi/10.1111/j.1741-3729.2012.00715.x/abstract">higher chance of divorce</a>.</p> <p>But money arguments do not have to be frequent or vicious, as long as you are willing to recognize that any conversation about money is about much more than just little green pieces of paper. (See also: <a href="http://www.wisebread.com/8-steps-to-a-blissful-matri-money?ref=seealso">8 Steps to a Blissful Matri-Money</a>)</p> <p>Here are three of the most common money arguments couples have, and how you can navigate them without forgetting what you like about each other.</p> <h2>1. You Spent <em>HOW</em> Much?</h2> <p>This might sound like a classic spender versus saver argument &mdash; you are committed to getting out of debt and your spouse is careless with money, for instance. But whether you are a natural spender or a natural saver, it's likely that you and your partner have each been on both sides of this argument.</p> <p>For example, maybe you regularly spend extra money on your favorite microbrews, which your partner thinks taste about the same as Budweiser. Their complaints about this expense can feel pretty rich to you, considering the fact that they spend what seems like the GDP of a small nation on clothes each year.</p> <p>The disconnect that you both feel about these spending decisions arises because the argument is not about money per se, but about values.</p> <p>Your partner values looking fashionable and thinks it's a waste of money to buy expensive beverages. And you might think buying new clothes more often than once a decade is extravagant, but feel that life is far too short to drink terrible beer.</p> <h3>The Fix: Have Separate Important-to-Me Funds</h3> <p>Many marriage and finance experts recommend that spouses each get separate &quot;fun money&quot; to use as they please. This is a great way for each of you to make purchases the other might see as a completely insane, without it becoming an issue.</p> <p>As long as you and your partner can agree on a budget amount for important-to-me purchases, this strategy will allow you to continue to support your values without having to fight for them financially.</p> <h2>2. It's <em>MY</em> Money!</h2> <p>It's rare for couples to each make the exact same amount of money, and differing income levels can create power imbalances in a relationship. The individual who makes more money might want to have more control over financial decisions, and the lower-earner might feel resentful and excluded.</p> <p>As with the previous argument, this disagreement is not really about money, but about relationship contributions. Our society values money far more than other types of contributions, which means we can easily fall into the trap of believing that the higher-earner in a relationship makes a bigger contribution and deserves more say in how communal money is spent.</p> <h3>The Fix: Make a List of Your Contributions to the Relationship</h3> <p>Ultimately, it's important for partners to view all income as &quot;our money&quot; (with some allotted for each spouse to use as he or she pleases, as outlined above). If either of you have trouble simply accepting that fact, then it's time to sit down together and make a list of what you each do for the overall health of the relationship.</p> <p>This is a peacekeeping tactic that many marriage counselors advise for dealing with housework squabbles, but it works just as well for dealing with money imbalances. Once the higher-earner sees that the other partner does all the grocery shopping or laundry or airport drop-offs (or whatever), it can help to put the high income in perspective. The high-earner would be keeping less of their income if each of those non-financial contributions by the low-earner had to be contracted out.</p> <h2>3. Why Won't You Fund Your 401(k), Track Spending, Etc.?</h2> <p>Opposites attract, and that's certainly true when it comes to money philosophies. Spendthrifts and skinflints can each appreciate the other's financial qualities, because they balance out their own.</p> <p>But living with your financial opposite can also be maddening. The spender might feel nagged and constricted by the saver's financial expectations, and the saver might be overwhelmed by the spender's use of money. In particular, it can be really tough for the saver to see the spender neglect financial chores that seem essential.</p> <h3>The Fix: Delegate and Communicate</h3> <p>The real issue behind this argument is the fact that neither partner can get the other to view money in the same way they do. The spender will never understand the saver's anxiety about finances, and the saver will never understand how the spender can enjoy making purchases when there are unfunded retirement accounts to worry about.</p> <p>The best way to handle this is to allow one partner (the saver) to be the person in charge of finances. This may seem like an odd suggestion, considering the fact that most marriage advice stresses the importance of sharing. However, delegating tasks can often make for a happier partnership, since the person who cares more about the specifics of finances can focus on them, while the more carefree partner does not feel nagged or infantilized.</p> <p>But simply delegating finances to one individual is not enough to avoid this particular fight. It's also important to regularly talk to each other about the financial state of the union. This will ensure that both partners are on the same page and understand what is happening with their money, and it will also provide the non-finance partner the information necessary to take over in case something happens to the current family CFO.</p> <h2>Living in Financial Harmony</h2> <p>Money is the source of a great deal of stress and fighting because it represents so much more than just a way to pay for things. Nipping big money fights in the bud is not easy, but starting from a place of respect for your partner and his or her values, the non-financial contributions you each make, and the strengths you each bring to the table, can help you to navigate solutions to even the thorniest of money arguments.</p> <p><em>How do you and your SO navigate the dangerous waters of money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-worst-mistakes-good-spouses-make">5 Worst Mistakes Good Spouses Make</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/make-love-not-money-sort-of">Make Love, Not Money (Sort Of)</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/11-tips-and-tricks-for-merging-finances">11 Tips and Tricks for Merging Finances</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-questions-couples-should-ask-in-the-money-talk">5 Questions Couples Should Ask in the Money Talk</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance arguments marriage money relationships spending Wed, 01 Apr 2015 11:00:13 +0000 Emily Guy Birken 1360894 at http://www.wisebread.com Best Money Tips: The Best Things That Money Can't Buy http://www.wisebread.com/best-money-tips-the-best-things-that-money-cant-buy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-best-things-that-money-cant-buy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-man-relaxing-hammock-Dollarphotoclub_46830424.jpg" alt="happy man relaxing" title="happy man relaxing" 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 some great articles on the best things that money can&rsquo;t buy, tips for a productive home office, and new year&rsquo;s resolutions you might want to consider doing.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/Best-Things-Life-Money-Cant-Buy-34442356">98 of the Best Things in Life That Money Can't Buy</a> &mdash; Money can buy a lot of things, but the peace of mind you get from letting go of grudges is not one of them. [PopSugar Smart Living]</p> <p><a href="http://thirtysixmonths.com/5-tips-productive-home-office">5 Tips for a Productive at Home Office</a> &mdash; Pull back the curtains and let the light in! Natural light tells your brain that it's time to work and helps with concentration. [Thirty Six Months]</p> <p><a href="http://fitzvillafuerte.com/10-new-years-resolutions-consider.html">10 New Year&rsquo;s Resolutions That You Should Consider Doing</a> &mdash; Make the resolution to stop checking your social media accounts from your phone when you're out with friends. [Ready To Be Rich]</p> <p><a href="http://ptmoney.com/save-money-end-year-auto-insurance-purchases/">Save Money on End of Year Auto &amp; Insurance Purchases</a> &mdash; Some insurers offer low-mileage discounts. If drive just around 7,500 miles a year, it may be worth your while to look into public transportation or carpooling alternatives and keep your mileage low. [PT Money]</p> <p><a href="http://www.spillingbuckets.com/2014/12/essentials-to-look-for-in-your-next-home.html">Essentials to Look for in Your Next Home</a> &mdash; Ask if the insulation in the floors, walls, and attic have been upgraded to meet the minimum energy standards for your region. [Spilling Buckets Personal Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.forbes.com/sites/lawrencelight/2014/12/15/how-to-divvy-up-your-money-in-a-401k-plan/">How to Divvy Up Your Money in a 401(k) Plan</a> &mdash; If you want to see your money grow, don't allocate too much of your investments in stable value funds. [Forbes]</p> <p><a href="http://www.quizzle.com/blog/2014/12/gifts-smart-grandparents-relatives-give-raise-financially-savvy-kids/">The Gifts Smart Grandparents and Relatives Give to Raise Financially Savvy Kids</a> &mdash; Consider donating to the kid's college fund as a gift that grows with her! [Quizzle Wire]</p> <p><a href="http://www.modestmoney.com/keep-earning-retire/">How to Keep Earning After You Retire</a> &mdash; Investing in property is one way to make money during your retirement. [Modest Money]</p> <p><a href="http://parentingsquad.com/5-ways-kids-can-give-back-during-the-holiday-season">5 Ways Kids Can Give Back During the Holiday Season</a> &mdash; Kids can donate any coats or warm clothing that they've outgrown. [Parenting Squad]</p> <p><a href="http://blog.readyforzero.com/minimalism-fad-or-solid-debt-payoff-tool/">Minimalism: Fad or Solid Debt Payoff Tool?</a> &mdash; Minimalism not only clears your physical space, it frees up your mental space, too. It's actually an effective psychological debt payoff tool. [Ready For Zero]</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-the-best-things-that-money-cant-buy">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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</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/4-steps-to-absorb-the-cost-of-an-at-home-lifestyle">4 Steps to Absorb the Cost of an at-Home Lifestyle</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-gas-dont-make-left-hand-turns">Save gas; don&#039;t make left-hand turns.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips money Wed, 17 Dec 2014 20:00:08 +0000 Amy Lu 1269542 at http://www.wisebread.com 5 Money Truths the Rich Live By (and You Should Too) http://www.wisebread.com/5-money-truths-the-rich-live-by-and-you-should-too <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-truths-the-rich-live-by-and-you-should-too" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/rich-businessman-car-157767342-small.jpg" alt="rich businessman" title="rich businessman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Since 2008, the number of millionaire households has steadily increased each year. According to the Wall Street Journal, in 2013 there were 53,000 new households having more than $1 million in liquid assets. We now know it's no longer true that you must inherit wealth, obtain an Ivy League degree, or make soul-crushing sacrifices in order to get rich, yet so few of us ever do. We also know that not many people get rich by earning a steady paycheck, being frugal, and saving diligently. So, what are the secrets the rich used to get there? (See also: <a href="http://www.wisebread.com/the-5-secrets-of-happy-rich-people-that-you-can-learn-from?ref=seealso">5 Secrets of Happy, Rich People That You Can Learn From</a>)</p> <p>Here are five truths of the wealthy that can be applied to your work ethic and investment strategy to help you think and grow richer, too.</p> <h2>1. Never Quit</h2> <p>&quot;Before success comes in any man's life, he is sure to meet with much temporary defeat, and, perhaps, some failure. When defeat overtakes a man, the easiest and most logical thing to do is to quit. That is exactly what the majority of men do. More than five hundred of the most successful men this country has ever known told the author their greatest success came just one step beyond the point at which defeat had overtaken them.&quot; &mdash; Napoleon Hill, Think And Grow Rich</p> <p>Napoleon Hill (1883-1970) believed wealth to be the physical manifestation of one's perseverance. In the book, <a href="http://www.amazon.com/gp/yourstore/home/?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;linkId=NHKXJDHEAGOIPEU2">Think And Grow Rich</a>, Hill tells the story of being three feet from gold, where out of frustration a gold miner sells his machinery to a junk man who then strikes it rich by digging just three feet away from where he had given up hope. Think And Grow Rich is truly an inspirational work of literature and one of the most widely read personal finance books in history. It also highlights the importance of persistence.</p> <h2>2. Invest for the Long Term</h2> <p>&quot;Most people overestimate what they can do in one year and underestimate what they can do in ten years.&quot; &mdash; Bill Gates</p> <p>Bill Gates is founder of the Microsoft Corporation and has been the richest man in the world for the past two decades. His philosophy can be applied to any goal you're working to achieve in life, but in terms of investing, it is important to remember the benefits of long-term investments and the snowball effect of compound interest.</p> <h2>3. You Don't Need Leverage</h2> <p>&quot;You really don't need leverage in this world much. If you're smart, you're going to make a lot of money without borrowing.&quot; &mdash; Warren Buffet</p> <p>Warren Buffet is an investment guru, philanthropist, and the fourth wealthiest man in the world. The concept of using debt to build wealth is often counterproductive. Remember, the measurement of one's net-worth is determined by the sum of one's assets minus debts. In many cases, leverage (such as credit cards or personal loans) can slow the pace at which you accumulate real assets; even worse, using excessive leverage can damage your credit and imperil your ability to buy a house or start a business when you're ready.</p> <h2>4. Diversify</h2> <p>&quot;The other boys at Yale came from wealthy families, and none of them were investing outside the United States, and I thought, 'That is very egotistical. Why be so shortsighted or near-sighted as to focus only on America? Shouldn't you be more open-minded?&quot; &mdash; Sir John Templeton</p> <p>John Templeton (1912-2008) was an investment tycoon and philanthropist, and founder of Franklin Templeton Investments. Any good investment strategy will be well diversified and include international stocks in both established and emerging markets. Diversification reduces an investor's exposure to concentrated risks while attempting to maximize overall returns.</p> <h2>5. Love What You Do</h2> <p>&quot;If you don't enjoy it, don't do it. You must love what you do.&quot; &mdash; Sir Richard Branson</p> <p>Serial entrepreneur Richard Branson's Virgin brands span the globe. In the U.S. he is perhaps most widely known for Virgin Atlantic and Virgin Mobile. Like many of his billionaire cohorts, Branson believes if you follow your dreams and do what you love, success will follow and you'll live a much happier life. In Branson's case, that is now leading him to investing in space technologies.</p> <p><em>What other truths do the uber-successful employ? Which do you use in your daily life? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-money-truths-the-rich-live-by-and-you-should-too">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/book-review-rich-like-them-by-ryan-dagostino">Book Review: Rich Like Them by Ryan D&#039;Agostino</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-same-actions-will-produce-the-same-results-ten-tenets-for-arranging-your-rich-part-2">The Same Actions Will Produce The Same Results (Ten Tenets for Arranging Your Rich: Part 2)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-there-such-thing-as-a-messy-millionaire">Is There Such Thing as a Messy Millionaire?</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/ten-tenets-for-arranging-your-rich-part-1-rich-is-relative">Ten Tenets for &quot;Arranging Your Rich&quot; - Part 1: Rich is Relative</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/what-does-being-rich-mean-to-you-anyway">What Does Being Rich Mean to You Anyway?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Personal Development money money quotes truth in money wealth wisdom Tue, 02 Dec 2014 15:00:21 +0000 Qiana Chavaia 1260492 at http://www.wisebread.com 14 Signs You Have a Toxic Relationship With Money http://www.wisebread.com/14-signs-you-have-a-toxic-relationship-with-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-signs-you-have-a-toxic-relationship-with-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/worried-woman-bills-162910903-small.jpg" alt="worried woman bills" title="worried woman bills" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We obsess over it, we hoard it, we covet it, and we hate it&hellip; all at the same time. Our relationship with money is anything but simple.</p> <p>Ironically, it's that same relationship that influences how much of the green stuff we'll have. Those that maintain a healthy relationship with money typically do very well financially, while those of us that don't? Well, let's just say we struggle more than we should, and not just in the money department. (See also: <a href="http://www.wisebread.com/for-a-better-relationship-with-money-make-plans?ref=seealso">For a Better Relationship With Money, Make Plans</a>)</p> <p>Unhealthy money relationships can typically be classified in one or more of five categories: fear, avoidance, resentment, shame/guilt, and obsession, but they're not always apparent. Sometimes, we have to do a little digging to discover the real cause of our discomfort.</p> <p>So, how can you tell if you have a toxic relationship with money? Here are 14 classic signs that you might need to rethink how you relate to your cash flow.</p> <h2>1. You Resent Spending It</h2> <p>Years and years ago, a relative of mine went through a small financial crisis. Between a mound of credit card debt and an unexpected layoff, money was suddenly tight for a while. Fast forward to the present, and he still behaves as if he were flat broke. He's not of course, but he lives as if he's one paycheck away from losing it all, even though the house is paid for, and he lives comfortably off his retirement.</p> <p>As a result, he doesn't spend money often. He ties knots in broken shoelaces to make them last longer. He adds water to milk so that he doesn't have to buy more. He thinks he's being thrifty, but the truth is, he's created a toxic relationship with his money that brings nothing but stress and grief. In short, he's so worried about losing it, he doesn't have time to enjoy it.</p> <p>Being frugal is one thing, but being bitter about every dime that leaves your pocket is another. If parting with your money &mdash; even for the really important things &mdash; causes you pain, it's time to start looking at why.</p> <h2>2. You Must Spend It</h2> <p>On the flip side, my daughter <em>never</em> has money, despite getting monetary gifts on a regular basis from aunts, uncles, grandparents, and yes, her dad and I. In theory, she should be rolling in the green, but the minute she comes into money, she absolutely has to spend it, even if there's not anything she really, truly wants.</p> <p>We all have those things that we don't really &quot;need,&quot; but we'd love to have, and there's nothing wrong with splurging now and then or treating yourself to something that's not a necessity. But if that urge to buy turns into a need to spend, it's time to be honest about what you think the spending will accomplish.</p> <p>That excitement you experience before and during the purchase isn't going to last and you'll have to find something else to fill the void. Except that it can't be filled &mdash; at least not with &quot;stuff.&quot;</p> <h2>3. You Pay Your Bills at the Last Minute</h2> <p>Are you paying your bills at the last minute because you enjoy seeing the bigger balance in your bank account? Or is it because you're afraid you might end up needing that money for something else, and you're giving yourself the option ahead of time?</p> <p>Or perhaps, like my relative in the story above, you can't stand the idea of parting with your hard-earned cash, and somehow waiting until the last minute is your private &quot;so-there&quot; to your creditors?</p> <p>Whatever the reason, you're creating stress you don't need to have. Get yourself a workable budget and stick to it. You'll be happier as a result and have tons more time to focus on all the &quot;other&quot; drama in your life.</p> <h2>4. You're Constantly Broke (or Short)</h2> <p>You're either living beyond your means or you don't have a workable budget. Either way, this &quot;I have money, now I don't have money&quot; roller coaster means your finances are out of control. You're simply working to survive and have no real plan for how to make your money work for you.</p> <p>Is it an easy fix? It depends on the underlying cause and the sooner you face it, the sooner you can make the situation manageable. Because rest assured, if you don't address it, that roller coaster is going to fly off the tracks sooner or later.</p> <h2>5. You Spend Your Money Before You Get It</h2> <p>You got paid yesterday and you're already pushing bills to your next paycheck, so that things won't be so tight now.</p> <p>This is a variation of the &quot;Always Broke&quot; sign, and it stems from the same toxic money emotion: avoidance. Rather than creating a workable budget, you pay what must be paid now and bump the rest to another payday.</p> <p>Yes, emergencies happen and sometimes this kind of creative financial planning is unavoidable. But if every payday has you doing magic tricks with your bills, there's a deeper problem at play.</p> <h2>6. You Pay the Minimum on Your Credit Cards</h2> <p>Another sign of avoidance, paying the minimum on your credit cards suggests that you're living beyond your means or at the very least, haven't given much thought to your financial future. After all, we all know that paying the minimum isn't getting you anywhere &mdash; you're basically just spinning your wheels.</p> <p>If this is a temporary situation, you can count yourself out of this group. But if paying the minimum is your normal budgeting strategy, it's time to take a serious look at your finances and develop a smarter plan to pay off your debt.</p> <h2>7. You Resent People Who Have Money</h2> <p>There's a very distinct &quot;us vs. them&quot; mentality when it comes to money and if you're on the side that doesn't have it, it can be very frustrating indeed. But there's a difference between concerns over the wealth gap and just hating everyone with money.</p> <p>Speak out about income inequality? Absolutely. Write letters to Congress and march in protest? More power to you. That's the stuff this country was founded on.</p> <p>But if that concern turns to bitter resentment, you need to find a way to let it go. Because it won't make the rich stop being rich, but it will wreak all sorts of havoc on your health, your well-being and your happiness.</p> <h2>8. You Resent People Who Don't Have Money</h2> <p>On the flip side of this &quot;us vs. them&quot; mindset, there are those who have that see those who don't as a drain on society.</p> <p>And without getting too deep into a political debate, let me just say this: Your net worth, as impressive as it may be, is not the mark of success. How you treat people, how you live your life, and how you contribute to the world around you are much, much more important.</p> <p>If you're able to dismiss someone simply because they make less, then you need to rethink your priorities and while you're at it, your relationship with money.</p> <h2>9. You Think (More) Money Will Solve Your Problems</h2> <p>Sure, we've all dreamed of being a gazillionaire and never having to worry about money again, but if you truly see your bank balance as the key to happiness, you're in for a serious disappointment.</p> <p>All too often, we postpone the things we want to be, do, and have because we believe we need more money to make that happen. And while the green stuff can certainly grease the wheels, it's not the end-all, beat-all solution we think it is.</p> <p>In fact, just the opposite is true. Every day, we hear about people accomplishing extraordinary things and money wasn't a factor at all. These people are changing the world, saving the planet, starting new businesses, building families and conquering their fears, and they're doing it without the help of a big bank account.</p> <h2>10. You're Afraid of It</h2> <p>When I first started freelancing full-time, I had a number in my head that I needed to meet. Coincidentally, that number was the same number I had made while working in the corporate world &mdash; it represented my financial comfort zone and as long as I hit that target, I was content.</p> <p>Recently however, I'm feeling pulled to take that business in a different direction. And I have to say, I'm excited about the potential for growth it offers.</p> <p>If only I wasn't afraid.</p> <p>As crazy as it sounds, I've discovered that I'm a little fearful of what that growth might mean. After all, growth means more clients. More clients means more revenue. And more revenue means I'll be stepping out of that financial comfort zone I've come to know and love.</p> <p>Am I being irrational? Perhaps, but fear can cause us to do all sorts of things that are counterproductive to our well-being. I know people who refuse to learn about investing for example, because they're intimidated by what they don't understand. I know people who avoid seeking promotions and raises because they're not sure what new responsibilities that money might bring and more to the point, what if they can't handle those responsibilities? They might lose the new job and be without any kind of paycheck at all.</p> <p>But avoiding the issue isn't going to get you where you want to go; research and education will. The only way I can get past my somewhat ridiculous fear of making more money is to get comfortable with the changes I'll face. And the same is true with all the other money fears we've mentioned.</p> <p>Start small and take it slow if need be, but step outside your comfort zone. Knowledge can help you conquer that fear and build a healthier relationship with money in the process.</p> <h2>11. You Lie About Your Finances</h2> <p>Its one thing to downplay what you make to friends and associates, but quite another if you're lying to your spouse or worse, yourself. We lie because we don't want to admit we have a shopping addiction for example, or because we don't want to disappoint our other half. We're afraid of being judged, of being lectured, of having the argument we know we're going to have when they find out what we spent.</p> <p>But maybe that's a conversation that needs to happen.</p> <h2>12. You Don't Like Talking About It</h2> <p>And since we're on the subject, it has long been considered taboo to discuss financial matters outside your most inner circle of friends and family. And there are a couple of reasons this limitation exists.</p> <p>For some, we don't want to make others &mdash; particularly those with less money &mdash; feel uncomfortable. In other instances, it might be because we're the ones with less money, and we don't want to feel judged. But when this discomfort causes you to stop talking about money altogether &mdash; even with that inner circle &mdash; it's time to address the fear.</p> <p>Talking about money allows you to plan ahead. It enables you to create a better budget, deal with financial surprises and most importantly, develop a healthy relationship with your money. After all, your money is a tool, and the only way to use it effectively is to become comfortable with its existence.</p> <h2>13. You Can't Talk About Anything Else</h2> <p>When you look at the world, you see dollar signs. In fact, your value system is built around how much something costs or how much someone makes. And this obsession will manifest in one of two ways: you're either driven to make more and spend more because you feel it increases your status or you're exceptionally frugal and don't mind telling the world every time you saved a dime.</p> <h2>14. You Haven't Taken a Vacation, Bought a Car, Updated Your Wardrobe in Years</h2> <p>If you thought that relative with the broken shoelaces had gone to the extreme, you'd be right, but the mentality that pushes him to hoard his money is the same basic mentality that keeps you from enjoying life.</p> <p>When was the last time you took a vacation? Bought a new car? Bought yourself anything nice?</p> <p>Yes, I realize that's much easier to do when you have extra money to spend, but even the tightest budget should be able to accommodate at least some small &quot;treat&quot; for yourself now and then. A magazine, a new tube of lipstick, a new pair of shoes (even if they're off the clearance rack).</p> <p>If you don't spend on yourself once in a while, you're basically working just to pay your bills. And what's the point in that?</p> <p><em>Now it's your turn: How do you define your relationship with money? And how do you deal with hangups along the way?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kate-luther">Kate Luther</a> of <a href="http://www.wisebread.com/14-signs-you-have-a-toxic-relationship-with-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-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/dissecting-gift-guilt-when-does-receiving-a-gift-make-you-feel-bad">Dissecting &quot;Gift Guilt&quot; - When Does Receiving a Gift Make You Feel Bad?</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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-tips-and-tricks-for-merging-finances">11 Tips and Tricks for Merging Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance emotion money money attitudes money relationships Tue, 14 Oct 2014 21:00:07 +0000 Kate Luther 1233264 at http://www.wisebread.com Best Money Tips: Ways to Save Money Without Trying http://www.wisebread.com/best-money-tips-ways-to-save-money-without-trying <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-money-without-trying" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-happy-bills-78716609-small.jpg" alt="man happy bills" title="man happy bills" 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 some fantastic articles on saving money without trying, student discounts every student should know about, and ways to slam the brakes on impulse buys.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/How-Save-Money-Without-Trying-35250178">38 Ways to Save Money Without Trying (Much)</a> &mdash; Reading more getting good sleep can help you save money without really trying. [PopSugar Smart Living]</p> <p><a href="http://www.thepennyhoarder.com/21-awesome-student-discounts-every-college-student-know/">21 Awesome Student Discounts Every College Student Should Know About</a> &mdash; All students should know about movie ticket and professional sports discounts. [The Penny Hoarder]</p> <p><a href="http://www.moneytalksnews.com/2014/10/09/20-surefire-ways-to-slam-the-brakes-on-impulse-buys/">20 Surefire Ways to Slam the Brakes on Impulse Buys</a> &mdash; To slam the brakes on impulse buys, shop with cash and be savvy about sales. [Money Talks News]</p> <p><a href="http://bargainbabe.com/starbucks-fall-menu-recipes/">Save Money on Starbucks Fall Menu: Recipes </a>&mdash; Did you know you can make your own Salted Carmel Mocha instead of having to splurge on one from Starbucks? [Bargain Babe]</p> <p><a href="http://www.creditsesame.com/blog/ways-save-on-closing-costs/">4 Ways to Save on Closing Costs</a> &mdash; Negotiating and shopping around can help you save on closing costs. [Credit Sesame]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.mainstreet.com/article/how-to-make-sure-your-kids-grow-up-to-have-a-credit-score-above-700">How to Make Sure Your Kids Grow Up to Have a Credit Score Above 700</a> &mdash; Ensure that your kids grow up to have a credit score above 700 by teaching them the value of saving. [MainStreet]</p> <p><a href="http://www.dailyworth.com/posts/3001-5-budget-vacation-ideas-for-your-next-trip">Get More for Less on Your Next Trip</a> &mdash; Considering a work-trade arrangement will help you get more for less on your next trip. [DailyWorth]</p> <p><a href="http://moneyning.com/shopping-smart/how-to-keep-your-familys-grocery-bill-under-400-a-month/">How to Keep Your Family&rsquo;s Grocery Bill Under $400 a Month</a> &mdash; Stocking up on staples once a month can keep your family's grocery bill low. [MoneyNing]</p> <p><a href="http://www.bargaineering.com/articles/ticket-prices-save-holiday-winter-travel.html">With Ticket Prices Taking Off, Here&rsquo;s How to Save on Your Holiday and Winter Air Travel</a> &mdash; To save on holiday and winter air travel, be relentless and ship your bags. [Bargaineering]</p> <p><a href="http://parentingsquad.com/new-technology-for-new-parents">New Technology for New Parents</a> &mdash; The Growth App is a great app for new parents. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-save-money-without-trying">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-successful-savers-do">5 Things Successful Savers Do</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</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/4-steps-to-absorb-the-cost-of-an-at-home-lifestyle">4 Steps to Absorb the Cost of an at-Home Lifestyle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips money save Mon, 13 Oct 2014 19:00:07 +0000 Ashley Jacobs 1232451 at http://www.wisebread.com Best Money Tips: Save Money on Beer http://www.wisebread.com/best-money-tips-save-money-on-beer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-money-on-beer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends-beer-toast-460548771-small.jpg" alt="friends beer toast" title="friends beer toast" 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 some fantastic articles on saving money on beer, inexpensive date ideas, and saving more on dental care.</p> <h2>Top 5 Articles</h2> <p><a href="http://bargainbabe.com/save-money-beer/">13 Ways to Save Money on Beer</a> &mdash; To save money on beer, go to happy hours and buy store brand beer. [Bargain Babe]</p> <p><a href="http://www.listenmoneymatters.com/inexpensive-date-ideas/">16 Inexpensive Date Ideas</a> &mdash; Taking a class or going on a walking tour are just a couple inexpensive date ideas you can try on your next date! [Listen Money Matters]</p> <p><a href="http://www.smartasset.com/blog/money-saving-tip/5-ways-to-save-more-on-dental-care/">5 Ways to Save More on Dental Care</a> &mdash; If you want to save more on dental care, ask for discounts and look into savings plans. [SmartAsset Blog]</p> <p><a href="http://www.dailyfinance.com/2014/09/11/best-times-to-be-frugal/">6 Times When Being Frugal Doesn't Pay</a> &mdash; Being frugal might not end up paying when dealing with car maintenance. [Daily Finance]</p> <p><a href="http://www.learnvest.com/2014/09/6-small-moves-that-could-boost-your-retirement-savings/">6 Small Moves That Could Boost Your Retirement Savings</a> &mdash; Rolling over your old retirement accounts can boost your retirement savings/ [LearnVest]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.popsugar.com/smart-living/Typical-Job-Interview-Questions-Answers-20280663">Master These 15 Interview Questions</a> &mdash; Make sure you know how to answer the &quot;why do you want to work for us?&quot; question before you go in for an interview. [PopSugar Smart Living]</p> <p><a href="https://www.mint.com/blog/saving/5-costly-options-you-dont-really-need-in-a-new-car092214/">5 Costly Options You Don&rsquo;t Need in a New Car</a> &mdash; Chances are you don't need in car WiFi in your car. [MintLife]</p> <p><a href="http://www.fatwallet.com/blog/inexpensive-ways-make-home-interiors-look-larger/">Inexpensive Ways to Make Your Home Interiors Look Larger</a> &mdash; To make your home interiors look larger, bring in natural light and color. [FatWallet]</p> <p><a href="http://consumerist.com/2014/09/23/watch-a-dude-bend-his-iphone-6-with-his-bare-hands/">Watch A Dude Bend His iPhone 6 With His Hands</a> &mdash; Bad news for recent iPhone 6 Plus buyers: your phone is bendable. [Consumerist]</p> <p><a href="http://parentingsquad.com/7-tips-to-end-your-child-s-whining">7 Tips to End Your Child's Whining</a> &mdash; To end your child's whining, tell them to stop and don't give in to them. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-save-money-on-beer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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/21-great-uses-for-beer">21 great uses for beer</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/13-cheap-beers-to-keep-your-holiday-season-hoppin">13 Cheap Beers to Keep Your Holiday Season Hoppin’</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/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</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/top-5-ways-to-hustle-free-drinks">Top 5 Ways to Hustle Free Drinks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink beer best money tips money saving Fri, 26 Sep 2014 19:00:08 +0000 Ashley Jacobs 1221082 at http://www.wisebread.com Best Money Tips: The Money and Relationships Edition http://www.wisebread.com/best-money-tips-the-money-and-relationships-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-money-and-relationships-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-saving-money-466037151-small.jpg" alt="couple saving money" title="couple saving money" 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 some of the best articles from around the web on money and relationships!</p> <h2>Top 5 Articles</h2> <p><a href="http://www.popsugar.com/smart-living/How-Save-Money-Newlywed-35069153">Eight Biggest Money Mistakes Newlyweds Make</a> &mdash; If you are a newlywed, don't make the mistake of harboring financial secrets. [PopSugar Smart Living]</p> <p><a href="http://twocents.lifehacker.com/how-can-i-be-frugal-when-my-significant-other-isn-t-1597707214">How Can I Be Frugal When My Significant Other Isn't?</a> &mdash; When your significant other isn't as frugal as you are, it is important to try to compromise and get creative on frugal entertainment options you can both enjoy. [Two Cents]</p> <p><a href="http://blog.readyforzero.com/get-your-finances-in-order-as-a-couple/">How to Get Your Finances in Order as a Couple</a> &mdash; Planning your budget as a couple and discussing financial priorities are a couple things you should do with your partner to ensure financial success. [Ready for Zero Blog]</p> <p><a href="http://blog.creditkarma.com/personal-finance/5-red-flag-money-questions-from-your-significant-other/">5 Red Flag Money Questions From Your Significant Other</a> &mdash; It might be a red flag if your significant other asks if your parents pay any of your bills. [Credit Karma]</p> <p><a href="http://blog.phroogal.com/relationships-money-can-work/#.VAnuRbyaTBo">Relationships &amp; Money: How Can They Work?</a> &mdash; Couples need to respect each other's financial decisions, otherwise it's tough to make a relationship work. [Phroogal Blog]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.makelovenotdebt.com/2013/03/how-to-avoid-fighting-about-your-finances.php">How to Avoid Fighting About Your Finances</a> &mdash; Avoid fighting about your finances by keeping things in perspective and keeping the lines of communication open. [Make Love, Not Debt]</p> <p><a href="http://momoneymohouses.com/love-is-not-all-you-need-money-talk-before-marriage/">Love Is Not All You Need &mdash; Money Talks Before Marriage Talks</a> &mdash; Before you start thinking about marriage, talk to your partner about financial goals and money issues. [MoMoneyMoHoues]</p> <p><a href="http://thegoodthebadandthemoney.blogspot.com/2014/06/should-you-share-your-income-in-your.html">Should You Share Your Income in Your Online Dating Profile?</a> &mdash; Money isn't always attractive, so you might want to leave it off your online dating profile. [The Good, the Bad, and the Money]</p> <p><a href="http://parentingsquad.com/3-common-conflicts-in-marriage-and-how-to-squash-em">3 Common Conflicts in Marriage and How to Squash 'Em</a> &mdash; Squash money problems in your marriage by taking time to meet with your partner weekly about money issues. [Parenting Squad]</p> <p><a href="http://valerierind.com/dont-co-sign-a-lease-with-your-lover/">Don't Co-Sign a Lease With Your Lover</a> &mdash; There is a chance that if you co-sign a lease with a significant other, it could come back to bite you in the butt if you break up and they stop paying their half of the bills. [Gold Diggers and Deadbeat Dads]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-the-money-and-relationships-edition">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/how-to-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</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/frugality-makes-the-heart-grow-fonder-5-ways-to-spend-less-and-love-more">Frugality Makes the Heart Grow Fonder: 5 Ways to Spend Less and Love More</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-surprising-ways-bad-credit-can-hurt-you">15 Surprising Ways Bad Credit Can Hurt 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/dissecting-gift-guilt-when-does-receiving-a-gift-make-you-feel-bad">Dissecting &quot;Gift Guilt&quot; - When Does Receiving a Gift Make You Feel Bad?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips money relationships Wed, 17 Sep 2014 19:00:05 +0000 Ashley Jacobs 1205246 at http://www.wisebread.com Best Money Tips: Ways to Trick Yourself Into Saving Money http://www.wisebread.com/best-money-tips-ways-to-trick-yourself-into-saving-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-trick-yourself-into-saving-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-saving-change-494377793-small.jpg" alt="man saving change" title="man saving change" 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 some amazing articles on ways to trick yourself into saving money, watching college football without cable, and cities with the most job opportunities.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneyning.com/money-tips/6-ways-to-trick-yourself-into-saving-money/">6 Ways to Trick Yourself Into Saving Money</a> &mdash; Using automatic deposits and saving your raises are two easy ways to trick yourself into more savings. [MoneyNing]</p> <p><a href="http://livingonthecheap.com/watch-college-football-online-without-cable/">6 Ways to Watch College Football Without Cable</a> &mdash; WatchESPN.com is just one easy way you can watch college football without paying for cable. [Living on the Cheap]</p> <p><a href="http://www.lifehack.org/articles/work/10-cities-around-the-world-with-the-most-job-opportunities.html">10 Cities Around the World With the Most Job Opportunities</a> &mdash; Sydney and Hong Kong are one of the top ten cities in the world with job opportunities. [Lifehack]</p> <p><a href="http://simplefinanciallifestyle.com/short-term-view-can-have-a-domino-effect-on-your-personal-finances?utm_content=buffer449b6&amp;utm_medium=social&amp;utm_source=twitter.com&amp;utm_campaign=buffer">Short Term View Can Have a Domino Effect on Your Personal Finances</a> &mdash; When it comes to your finances, make sure to consider how your decisions will affect you in the long run. [Simple Financial Lifestyle]</p> <p><a href="http://www.frugalconfessions.com/financial-health/33-likely-achieve-savings-goal.php">You Are 33% More Likely to Achieve Your Savings Goal If You Do This&hellip;</a> &mdash; Did you know you are more likely to achieve your savings goals if you write them on paper? [Frugal Confessions]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.stretcher.com/stories/03/03sep08e.cfm?slider">Get a Raise in Any Economy</a> &mdash; To get a raise in any economy, show and tell why you deserve a raise. [TheDollarStretcher.com]</p> <p><a href="http://www.marcandangel.com/2014/09/03/4-ways-to-protect-yourself-from-emotional-manipulation/">4 Ways to Protect Yourself From Emotional Manipulation</a> &mdash; Protect yourself from emotional manipulation by staying calm and breathing. [Marc and Angel Hack Life]</p> <p><a href="http://www.popsugar.com/smart-living/DIY-Bleach-Gel-35633253">DIY Bleach Gel That Will Make Your Life Awesome</a> &mdash; Did you know you can make your own bleach gel with just three ingredients? [PopSugar Smart Living]</p> <p><a href="http://timemanagementninja.com/2014/09/the-real-reason-you-feel-overwhelmed/">The Real Reason You Feel Overwhelmed</a> &mdash; Chances are you feel overwhelmed because you don't realize that you are spending your time in other areas that you might not need to be spending your time in. [Time Management Ninja]</p> <p><a href="http://www.dumblittleman.com/2014/09/5-awesome-things-can-learn-children.html">5 Awesome Things We Can Learn From Children</a> &mdash; Children can teach us to stay curious and not judge. [Dumb Little Man]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-trick-yourself-into-saving-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-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-or-just-plain-wrong">Frugal... or just plain wrong?</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/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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-good-writing-skills-saves-and-earns-money">How good writing skills save and earn 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/unusual-ideas-to-save-an-extra-100-a-month">Unusual Ideas to Save an Extra $100 a Month</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips money saving trick Tue, 16 Sep 2014 19:00:14 +0000 Ashley Jacobs 1207215 at http://www.wisebread.com 11 Tips and Tricks for Merging Finances http://www.wisebread.com/11-tips-and-tricks-for-merging-finances <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-tips-and-tricks-for-merging-finances" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-finances-494780839-small.jpg" alt="couple finances" title="couple finances" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting married can be a chaotic ordeal. It's one thing to combine household contents (which blender will you keep?) or decide which side of the bed you'll sleep on. It's quite another to go through the hard work of putting together money accounts and arranging for a single budget. (See also: <a href="http://www.wisebread.com/the-7-worst-money-mistakes-married-people-make?ref=seealso">The 7 Worst Money Mistakes Married People Make</a>)</p> <p>As someone who has been happily married for 12 years, paid off a mound of consumer debt from before the marriage, and has kept an excellent credit score throughout, I've learned a thing or two about what I did right &mdash; and wished I had done right.</p> <h2>1. Take Inventory</h2> <p>This important step is sometimes painful for couples to do. It includes writing down every account you hold, including the balances, as well as all the debt and loan accounts that are owed on. It's best to do this before the marriage, as full disclosure is probably wise before that trip down the aisle.</p> <h2>2. Figure Out Your Net Worth</h2> <p>Next, it's probably a good idea to tally everything up and see what you'll be worth as a couple. Get it out of your mind that there are &quot;his&quot; and &quot;hers&quot; assets. You'll likely own everything together now. (Legally, this is also true in many states. With certain exceptions like trust fund payments and inheritances, some assets may be kept separate. Check with your CFP or attorney for details.)</p> <h2>3. Decide Which Accounts to Keep</h2> <p>Do you really need four checking accounts, 12 credit cards, or two car loans? If it's possible to combine some accounts, do so. Likewise, if credit card payments can be simplified by transferring balances and culling payments down to just four or five creditors, it might be the best solution for both of you. Note: Be mindful of closing any accounts right away. Scrapping lines of credit may be detrimental to your credit score, as it will lower your available credit amount by quite a bit. A more suitable option may be to agree to not use any cards from several accounts until they are paid off and then closed. Or you could choose to keep them all open, but not use them indefinitely.</p> <h2>4. Add Your Spouse to Keepers</h2> <p>Now comes the fun of getting a second credit card or debit card, adding a second name to the checkbook, and putting another authorized user on the online account access. This can take many days, as some banks still require both account holders to come in person with their documentation and papers to sign. Since banking must be done during &quot;bankers' hours,&quot; it may require taking time off of work. Get everything in order before your big day to ensure you don't run into any snags.</p> <h2>5. Pick a Payer</h2> <p>While you'll both be involved in the planning of finances, it is usually wise to pick one person to actually pay the bills. Setting your accounts up for automatic payments can cut down on some of the work, but someone will still need to follow up monthly to be sure payments were made. If you don't want to be saddled with the job for long, you can choose to switch off every few months or so, which is also a great way to ensure that there are no financial secrets between spouses.</p> <h2>6. Set a Budget</h2> <p>Now it's time to get down to the nitty gritty. What financial goals will you set as a couple? What can you expect to live on? What will you do with the extra money every month (if any)? A budget can be as simple as writing two columns for spending and income on a piece of paper, or it can be as complicated as a budgeting software program will allow. The important thing, however, is that you just do it!</p> <h2>7. Communicate</h2> <p>Things change daily in a marriage, and this includes the financial realm of it. A broken belt on the car or a change in work schedule can really throw your best-laid plans into turmoil, but most things can be overcome by talking it out early on. Remember that spouses hate to have things sprung on them suddenly, so pick a safe time to discuss these things each day. Don't have the talk right before bed.</p> <h2>8. Adjust as Necessary</h2> <p>Marriage is a funny thing in that it is never quite like you expect it to be. Personalities can cause conflict, and expectations will need to be lowered quite often. Finances reflect this in that your budget and plans won't be perfect, either. Learn to laugh at mistakes and do better next time.</p> <h2>9. Forgive</h2> <p>Your spouse will screw up royally at least once in your marriage. This will likely have financial consequences. You will, too. Forgive easily, and you'll find grace when it's your turn!</p> <h2>10. Ask for Advice</h2> <p>If all your best intentions have failed, and money merging is still a painful or aggravating part of your marriage, it may help to enlist a neutral third party to help you along. Financial planners can be a good source of common sense in an otherwise emotional conversation. Just avoid employing anyone you both knew well prior to the marriage; it will keep things professional and easy to agree with.</p> <h2>11. Remember What Money Means</h2> <p>Finances should be handled with sensitivity because money rarely just stands for money. Spending can mask hurts that your spouse is dealing with, and trying to solve money issues can be taken personally. If you find that after merging finances the advice of your professional goes unheeded, it may be time to take things to the next level with a marriage counselor that specializes in financial problems. Sometimes, there really is an underlying cause to the money woes.</p> <p>My marriage hasn't been perfect, but it has been one of the most enriching parts of my life. Having the money issues under control has allowed my husband and I to spend our energy on other, more pressing issues, like our six children!</p> <p><em>Did you merge finances when you tied the knot? How did it go? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/11-tips-and-tricks-for-merging-finances">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</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/dissecting-gift-guilt-when-does-receiving-a-gift-make-you-feel-bad">Dissecting &quot;Gift Guilt&quot; - When Does Receiving a Gift Make You Feel Bad?</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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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/make-love-not-money-sort-of">Make Love, Not Money (Sort Of)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance couples and money joint accounts marriage money Tue, 16 Sep 2014 13:00:07 +0000 Linsey Knerl 1210858 at http://www.wisebread.com Best Money Tips: Principles for Better Money Management http://www.wisebread.com/best-money-tips-principles-for-better-money-management <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-principles-for-better-money-management" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-finances-173298682-small.jpg" alt="couple finances" title="couple finances" 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 some great articles on principles for better money management, websites designed to save you money, and equipping your graduate with wings.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.freemoneywisdom.com/five-core-money-principles-better-money-management/">Five Core Money Principles for Better Money Management</a> &mdash; It is important to be mindful of your expenses and eliminate your debts ASAP. [Free Money Wisdom]</p> <p><a href="http://christianpf.com/websites-save-money/">16 Amazing Websites Designed to Save You Money</a> &mdash; Restaurants.com and Cardpool.com are designed to save you money. [Christian PF]</p> <p><a href="http://www.getrichslowly.org/blog/2014/09/08/bird-leaves-nest-equipping-your-graduate-with-wings/">Bird Leaves Nest: Equipping Your Graduate With Wings</a> &mdash; Make sure to teach your graduate financial skills and how to cook. [Get Rich Slowly]</p> <p><a href="http://barbarafriedbergpersonalfinance.com/ways-make-extra-money/">25 Ways to Make Extra Money</a> &mdash; If you want to make extra money, consider having a garage sale or becoming a blogger. [Barbara Friedberg Personal Finance]</p> <p><a href="http://www.americandebtproject.com/2014/08/how-to-rent-your-house-as-a-way-to-pay-down-your-mortgage/">How to Rent Your House as a Way to Pay Down Your Mortgage</a> &mdash; When renting out your house to pay down your mortgage, run background checks on potential tenants and educate yourself on fair housing laws. [American Debt Project]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.fivecentnickel.com/2014/09/08/should-you-spend-your-money-or-your-time/">Should You Spend Your Money or Your Time?</a> &mdash; You should spend time on learning new skills or having new experiences. [Five Cent Nickel]</p> <p><a href="http://www.popsugar.com/smart-living/Annoying-Things-About-Air-Travel-35643339#photo-35643352">The 20 Most Annoying Things About Air Travel</a> &mdash; Have you ever been on a flight where a passenger turned it into a speed dating session? [PopSugar Smart Living]</p> <p><a href="http://www.girlsjustwannahavefunds.com/wedding-planning-101-save-cash-while-saving-the-date/">Wedding Planning 101: Save Cash While Saving the Date</a> &mdash; Save cash on wedding planning by making your budget and determining what's important based on your budget. [Girls Just Wanna Have Funds]</p> <p><a href="http://www.smartasset.com/blog/insurance/top-ten-reasons-to-buy-life-insurance/">Top Ten Reasons to Buy Life Insurance</a> &mdash; Life insurance can give you peace of mind and is affordable, so consider buying it! [SmartAsset]</p> <p><a href="http://parentingsquad.com/the-5-best-jogging-strollers">The 5 Best Jogging Strollers</a> &mdash; If you are in the market for a jogging stroller, check out the BOB Ironman or the Jeep Overland Limited. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-principles-for-better-money-management">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-10"> <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/dissecting-gift-guilt-when-does-receiving-a-gift-make-you-feel-bad">Dissecting &quot;Gift Guilt&quot; - When Does Receiving a Gift Make You Feel Bad?</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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-tips-and-tricks-for-merging-finances">11 Tips and Tricks for Merging Finances</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips management money principles Fri, 12 Sep 2014 19:00:14 +0000 Ashley Jacobs 1207213 at http://www.wisebread.com Wages Are Rising — Here’s How to Get Your Cut http://www.wisebread.com/wages-are-rising-here-s-how-to-get-your-cut <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/wages-are-rising-here-s-how-to-get-your-cut" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/counting-money-466559183-small.jpg" alt="counting money" title="counting money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thankfully, after wage levels remained stagnant for many years, wages are finally rising! Annual gains could hit <a href="http://www.kiplinger.com/article/business/T019-C021-S005-wages-to-rise-but-more-for-some-than-others.html">4% by 2017</a>.</p> <p>That said, employers are still conservative and not rushing to pay you more. Here are some helpful tips on getting your share.</p> <h2>1. Join an Industry on the Rise</h2> <p>Information technology positions such as programmers, developers, analysts, and engineers continue to fare well. Cities are <a href="http://www.forbes.com/sites/joelkotkin/2014/05/27/the-cities-winning-the-battle-for-information-jobs-2014/">battling each other</a> to court IT companies. Have a background in mathematics, science, or information systems? Start interviewing for jobs in that arena, where the starting salary is already higher than the average.</p> <p>Health and medicine professionals are also riding a higher tide. Nurse practitioners, registered nurses, and practical nurses are all making more, but nurse practitioners are especially in demand with the <a href="http://www.forbes.com/sites/dandiamond/2014/06/06/since-obamacare-passed-50-months-ago-healthcare-has-gained-almost-1-million-jobs/">expansion of health care</a> coverage to more citizens.</p> <p>Financial sector workers like traders, bankers, and fund managers <a href="http://money.usnews.com/money/blogs/alpha-consumer/2014/02/05/why-finance-jobs-are-growing-fast">continue to do well</a> (surprise, surprise). Due to the continued need for credit and asset analysis, there is room to join the financial sector with the right experience.</p> <p>Areas that do not see much growth are categories in which tons of eager candidates compete for jobs: teaching, marketing, public relations, and customer service. If you find yourself in one of those categories, try spinning your experience to applying for positions at companies in information, health, engineering, and finance.</p> <h2>2. Ask for a Raise</h2> <p>If you are currently employed, now would be a good time to <a href="http://www.wisebread.com/you-should-always-negotiate-a-raise-here-are-10-reasons-why">ask for a raise</a>. When was your last raise? It should typically happen every year. If you have gone longer than two years without a raise (and thanks to the recession, many have), it will be fairly reasonable and easy to ask. (See also: <a href="http://www.wisebread.com/5-things-to-say-to-your-boss-to-get-a-promotion-or-raise?ref=seealso">5 Things to Say to Your Boss to Get a Promotion or Raise</a>)</p> <h3>When to Ask for a Raise</h3> <p>Try asking three to four months before the annual review. Annual reviews tend to happen at the end of the fiscal year, when the money is spent and companies are more conservative. Asking before your company's annual wage hike is ideal because you can state your case before the bosses evaluate the staff. Plus, you likely do a lot of great work that your bosses do not know about. Make them aware of your worthiness and <a href="http://www.wisebread.com/you-should-always-negotiate-a-raise-here-are-10-reasons-why">negotiate your slice</a> before the pie has been cut.</p> <h3>Leverage Your Education</h3> <p>Have you spent most of the recession going to back to school in the summers, nights, and weekends? It's always a good time to take advantage of your new income potential. Those who can boast a college degree for entry-level positions can ask for more than those with a high-school degree. Try asking your employer to review your new experience and education level when considering your raise.</p> <h2>3. Relocate to a High Minimum Wage State</h2> <p>Many students and working parents find themselves in need of extra minimum wage shifts in industries such as retail, fast food, and customer service. If you are work for hourly wages, now might be a good time to relocate, as 13 states raised their minimum wage in 2014. Even more good news: Those same 13 states are seeing <a href="http://thinkprogress.org/economy/2014/07/03/3456393/minimum-wage-state-increase-employment/">faster job growth</a> than the states that did not increase their minimum wage. This may also be a good time to leverage a higher paying position elsewhere for an hourly raise at your current job.</p> <p><em>How are you planning to boost your wage? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/wages-are-rising-here-s-how-to-get-your-cut">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-11"> <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/you-should-always-negotiate-a-raise-here-are-10-reasons-why">You Should Always Negotiate a Raise: Here Are 10 Reasons Why</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-use-technology-to-upgrade-your-career">6 Ways to Use Technology to Upgrade Your Career</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-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-good-reasons-to-become-a-contractor">8 Good Reasons to Become a Contractor</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building jobs money negotiation raise wages Thu, 04 Sep 2014 15:00:06 +0000 Amanda Meadows 1203542 at http://www.wisebread.com Best Money Tips: Websites to Visit Before Spending Your Money http://www.wisebread.com/best-money-tips-websites-to-visit-before-spending-your-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-websites-to-visit-before-spending-your-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-laptop-home-487853863-small_0.jpg" alt="woman laptop home" title="woman laptop home" 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 some fantastic articles on websites to visit before spending your money, frugal ways to relax, and the path to purpose.</p> <h2>Top 5 Articles</h2> <p><a href="http://caviarandquarters.com/10-ways-to-save-money-when-youre-clearly-going-to-spend-money/">7 Websites to Visit Before Spending Your Money</a> &mdash; Before you spend your money, check out Bargain Babe and Coupons.com. [Caviar &amp; Quarters]</p> <p><a href="http://www.savvysugar.com/Ways-Relieve-Stress-31075809">Gimme a Break: 101 Frugal Ways to Relax</a> &mdash; Relax frugally by getting a good night's sleep or plan your next trip. [PopSugar Smart Living]</p> <p><a href="http://www.jdroth.com/path-purpose/">The Path to Purpose</a> &mdash; Did you know that sometimes it's easier to find purpose in life by limiting your options? [More Than Money]</p> <p><a href="http://freefrombroke.com/how-to-start-an-emergency-fund/">How to Start an Emergency Fund</a> &mdash; When starting an emergency fund, make savings automatic and re-evaluate your needs. [Free From Broke]</p> <p><a href="http://www.myshinynickels.com/2014/03/25/so-you-want-to-retire-early-its-all-about-the-numbers/">So You Want to Retire Early? It's All About the Numbers</a> &mdash; Living smart by downsizing your home and learning DIY tricks can help you retire early. [mySHINYnickels]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.lisavstheloans.com/2014/08/maintaining-friendships-on-a-budget/">Maintaining Friendships on a Budget</a> &mdash; Going on walks or runs are just a couple ways to maintain your friendships on a budget. [Lisa vs. The Loans]</p> <p><a href="http://www.noobtraveler.com/tips-on-making-traveling-to-a-new-city-smoother/">Tips on Making Traveling to a New City Smoother</a> &mdash; Using Yelp and Google Maps can make traveling to a new city go more smoothly. [Noob Traveler]</p> <p><a href="http://parentingsquad.com/5-ways-to-instantly-make-a-house-feel-like-a-home">5 Ways to Instantly Make a House Feel Like a Home</a> &mdash; To make a house feel like a home, embrace your knick-knacks. [Parenting Squad]</p> <p><a href="http://www.moneyreverse.net/2014/04/financial-literacy-protecting-your.html">Financial Literacy: Protecting Your Personal Information #Finlit</a> &mdash; Asking questions before you disclose your personal information can help you protect yourself from identity theft. [Money reVerse]</p> <p><a href="http://blog.wiredadvisor.com/10-costly-mistakes-advisors-make-on-twitter/">10 Costly Mistakes Advisors Make on Twitter</a> &mdash; If you are a financial advisor, don't make the mistake of retweeting too often or following everyone back on Twitter. [Wired Advisor]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-websites-to-visit-before-spending-your-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-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/10-tricks-you-should-learn-from-great-hagglers">10 Tricks You Should Learn From Great Hagglers</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/why-buy-one-get-one-free-is-usually-a-bad-deal">Why &quot;Buy One Get One Free&quot; Is Usually A Bad Deal</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/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</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/why-you-shouldnt-stress-too-much-about-spending-money">Why You Shouldn&#039;t Stress Too Much About Spending 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/are-your-financial-habits-just-bad">Are Your Financial Habits Just Bad?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips money shopping spending websites Tue, 02 Sep 2014 19:00:04 +0000 Ashley Jacobs 1195775 at http://www.wisebread.com Best Money Tips: Websites That Will Save You Tons of Money http://www.wisebread.com/best-money-tips-websites-that-will-save-you-tons-of-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-websites-that-will-save-you-tons-of-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businesswoman-piggy-bank-80403574-small.jpg" alt="businesswoman piggy bank" title="businesswoman piggy bank" 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 some stellar articles on websites that will save you money, fixing your finances, and tips to rule your tech.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Best-Websites-Save-You-Money-35457232">40+ Incredible Websites That Will Save You Tons of Money</a> &mdash; Threadflip and NeighborGoods can help you save money. [PopSugar Smart Living]</p> <p><a href="http://sustainablelifeblog.com/fix-finances/">Fix Your Finances</a> &mdash; When trying to fix your finances, focus on the big things first and take advantage of freebies from mother nature. [Sustainable Life Blog]</p> <p><a href="http://timemanagementninja.com/2014/08/5-tips-to-rule-your-tech-instead-of-the-other-way-around/">5 Tips to Rule Your Tech, Instead of the Other Way Around</a> &mdash; To rule your technology, remember that it's there for your convenience. [Time Management Ninja]</p> <p><a href="http://www.personalincome.org/10-best-countries-invest-real-estate/">The 10 Best Countries to Invest in Real Estate in 2014</a> &mdash; Did you know Panama and Singapore are among the best countries to invest in real estate in 2014? [Personal Income]</p> <p><a href="http://pocketofmoney.weebly.com/blog/saving-and-being-money-savvy-while-visiting">Saving and Being Money Savvy While Visiting</a> &mdash; Being flexible and planning ahead can help you save when you are traveling. [Pocket of Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.workingtolive.com/reason-okay-special/">The Reason It's Ok to Not Be Special</a> &mdash; Did you know that research has found propped up self-esteem can be counterproductive? [Working to Live Differently]</p> <p><a href="http://www.dividendninja.com/four-key-dividend-metrics-you-need-to-know/">Four Key Dividend Metrics You Need to Know</a> &mdash; Make sure you understand dividend payout ratios and profit margins [Dividend Ninja]</p> <p><a href="http://parentingsquad.com/17-real-world-questions-to-ask-a-prospective-nanny">17 Real World Questions to Ask a Prospective Nanny</a> &mdash; When interviewing prospective nannies, be sure to ask them how they discipline young children. [Parenting Squad]</p> <p><a href="http://lifehacker.com/where-can-i-buy-better-tea-1619090729">Where Can I Buy Better Tea?</a> &mdash; Learning the type of tea you like can help you buy better tea. [Lifehacker]</p> <p><a href="http://katehorrell.com/897/ten-ways-great-landlord/">Ten Ways to Be a Great Landlord</a> &mdash; If you are a landlord, be a great one by asking your tenant's opinions and fixing broken stuff. [Kate Horrell]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-websites-that-will-save-you-tons-of-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-13"> <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/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-or-just-plain-wrong">Frugal... or just plain wrong?</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/in-times-like-these-separate-the-want-from-the-need">In times like these, separate the want from the need.</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-good-writing-skills-saves-and-earns-money">How good writing skills save and earn 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/unusual-ideas-to-save-an-extra-100-a-month">Unusual Ideas to Save an Extra $100 a Month</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips money saving websites Thu, 21 Aug 2014 19:00:04 +0000 Ashley Jacobs 1190509 at http://www.wisebread.com Best Money Tips: Ways for Families to Save Money in August http://www.wisebread.com/best-money-tips-ways-for-families-to-save-money-in-august <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-for-families-to-save-money-in-august" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family-shopping-148152385-small.jpg" alt="family shopping" title="family shopping" 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 some fantastic articles on ways for families to save in August, items you should buy generic, and avoiding lifestyle inflation.</p> <h2>Top 5 Articles</h2> <p><a href="http://parentingsquad.com/5-ways-for-families-to-save-money-in-august">5 Ways for Families to Save Money in August</a> &mdash; Families can save money this month by scoring with early Labor Day sales. [Parenting Squad]</p> <p><a href="http://www.moneytalksnews.com/2014/07/30/12-items-you-should-buy-generic-and-4-you-shouldnt/">12 Items You Should buy Generic (and 4 You Shouldn't)</a> &mdash; Definitely buy generic cleaning products, but don't buy generic household paints. [Money Talks News]</p> <p><a href="http://www.moneycrashers.com/ways-avoid-lifestyle-inflation/">9 Ways to Avoid Lifestyle Inflation &mdash; Spending Less When You Earn More</a> &mdash; To spend less when you earn more, value experiences over things and hang out with friends who have similar budgets. [Money Crashers]</p> <p><a href="http://kylieofiu.com/2014/07/5-tips-to-save-money-with-your-car/">5 Tips to Save Money With Your Car</a> &mdash; Driving safely and topping off when gas is cheap can help you save on your car. [Kylie Ofiu]</p> <p><a href="http://www.thousandaire.com/finding-the-right-financial-adviser/">Finding the Right Financial Adviser</a> &mdash; It is important to look at licenses and certifications when it comes to finding the right financial adviser. [Thousandaire]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.creditsesame.com/blog/protect-medical-identity-theft/">How to Protect Yourself Against Medical Identity Theft</a> &mdash; Using strong passwords and protecting your health information can help you protect yourself against medical identity theft. [Credit Sesame]</p> <p><a href="http://staplerconfessions.com/index.php/what-questions-do-you-ask-a-potential-employer/">What Questions Do You Ask a Potential Employer?</a> &mdash; When speaking with a potential employer, be sure to ask if they have an employee manual you can read. [Stapler Confessions]</p> <p><a href="http://www.bargaineering.com/articles/stop-worryingyou-pay-car.html">Stop Worrying&hellip; You Probably Didn't Pay Too Much for Your New Car</a> &mdash; Did you know that 26% of new car buyers think they paid too much for their new car? [Bargaineering]</p> <p><a href="http://www.kiplinger.com/article/spending/T062-C000-S002-3-simple-steps-to-score-concert-tickets.html?si=1">3 Simple Steps to Score Great Concert Tickets</a> &mdash; If you want to score great concert tickets, try calling the box office. [Kiplinger]</p> <p><a href="http://www.savvysugar.com/Advice-College-Students-31108170">31 Things Every College Student Needs to Know</a> &mdash; Every college student should know to go to review sessions and to remember to call their parents. [PopSugar Smart Living]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-for-families-to-save-money-in-august">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-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-successful-savers-do">5 Things Successful Savers Do</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</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/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</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/4-steps-to-absorb-the-cost-of-an-at-home-lifestyle">4 Steps to Absorb the Cost of an at-Home Lifestyle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living august best money tips families money save Mon, 04 Aug 2014 19:00:06 +0000 Ashley Jacobs 1174972 at http://www.wisebread.com Best Money Tips: Tips for Discussing Money Topics With Your Partner http://www.wisebread.com/best-money-tips-tips-for-discussing-money-topics-with-your-partner <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-tips-for-discussing-money-topics-with-your-partner" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-finances-86481911.jpg" alt="couple finances" title="couple finances" class="imagecache imagecache-250w" width="250" height="147" /></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 some wonderful articles on tips for discussing money topics with your partner, things you should never buy at Sam's Club, and DIY cleaning products.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thesimpledollar.com/twenty-powerful-tips-for-discussing-money-topics-with-your-partner/">23 Powerful Tips for Discussing Money Topics With Your Partner</a> &mdash; When discussing money topics with your partner, establish a &quot;no yelling&quot; rule and start by talking about goals. [The Simple Dollar]</p> <p><a href="http://moneyning.com/shopping-smart/6-things-you-should-never-buy-at-sams-club/">6 Things You Should Never Buy at Sam's Club</a> &mdash; Never buy milk or condiments at Sam's club. Chances are those items will go bad before you use them. [MoneyNing]</p> <p><a href="http://www.savvysugar.com/DIY-Cleaning-Products-28901279"> Make These 56 DIY Cleaning Products for Pennies</a> &mdash; Did you know you can make garbage disposal refreshers and floor wipes for just pennies? [PopSugar Smart Living]</p> <p><a href="http://freefrombroke.com/your-guide-on-how-to-stop-living-paycheck-to-paycheck/">Your 4 Step Guide on How to Stop Living Paycheck to Paycheck</a> &mdash; If you want to stop living paycheck to paycheck, start by identifying and cutting the waste from your budget. [Free From Broke]</p> <p><a href="http://www.cashthechecks.com/how-to-save-cash-by-getting-rid-of-old-tech/">How to Save Cash By Getting Rid of Old Tech</a> &mdash; To save cash by getting rid of old tech, kill your cable bill and get rid of your digital camera. [Cash the Checks]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.biblemoneymatters.com/want-more-time-stop-buying-so-much-stuff/">Want More Time? Stop Buying So Much Stuff!</a> &mdash; Living a simpler life with less possessions means you get to work less. So stop buying so much stuff! Then you can have more time. [Bible Money Matters]</p> <p><a href="http://christianpf.com/common-characteristics-of-those-who-thrive/">5 Common Characteristics Of Those Who Thrive (How Are You Doing With #2?)</a> &mdash; Do you want to thrive? Become a prudent spender and a passionate income earner. [Christian PF]</p> <p><a href="http://kylieofiu.com/2014/07/how-to-streamline-your-business-to-save-time-money-and-stress/">How to Streamline Your Business to Save Time, Money, and Stress</a> &mdash; If you want to streamline your business, communication is key. [Kylie Ofiu]</p> <p><a href="http://ptmoney.com/pet-insurance-experience/">Pet Insurance Could Have Saved me a Small Fortune &ndash; The Shadow Experience (Quick Update)</a> &mdash; Pet insurance may be a good idea for you if you have a new pet or an older pet. [PT Money]</p> <p><a href="http://parentingsquad.com/fun-and-delicious-summer-barbecue-ideas">Fun and Delicious Summer Barbecue Ideas</a> &mdash; When having a summer barbecue, make grilled vegetables or grilled pita bread pizza. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-tips-for-discussing-money-topics-with-your-partner">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-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-proverbs-about-money-and-personal-finance">Chinese Proverbs About Money and Personal Finance</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/dissecting-gift-guilt-when-does-receiving-a-gift-make-you-feel-bad">Dissecting &quot;Gift Guilt&quot; - When Does Receiving a Gift Make You Feel Bad?</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/sensible-ways-to-raise-cash-for-a-wedding">Sensible Ways to Raise Cash for a Wedding</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/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-navigate-3-common-money-arguments-with-your-significant-other">How to Navigate 3 Common Money Arguments With Your Significant Other</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips discuss money partner tips Wed, 09 Jul 2014 19:00:05 +0000 Ashley Jacobs 1154999 at http://www.wisebread.com