new year&#039;s resolutions http://www.wisebread.com/taxonomy/term/8392/all en-US Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-87-frugal-ways-to-make-winter-less-miserable" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_winter_snow-499814150.jpg" alt="Woman finding frugal ways to make winter less miserable" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Winter is a dreary, dark time. The sun rarely shines, and you can barely wade through the white mess on the ground without getting your feet and pants soaked. But never fear. You <em>can</em> turn that S.A.D.-induced frown upside down. Here are 87 ways to make winter less miserable.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_sad_window_507633424.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-ways-to-prevent-the-winter-blues-from-busting-your-budget?ref=fbf">5 Ways to Prevent the Winter Blues from Busting Your Budget</a> &mdash; Seasonal Affective Disorder puts you in a very vulnerable state of mind during the winter months. This can naturally lead you to making all sorts of ill-advised decisions, especially when it comes to your finances. Use these tips to keep you armed with a plan to fight those habits.</p> <p><a href="http://www.wisebread.com/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break?ref=fbf">9 Frugal Winter Activities to Keep Kids Busy During Holiday Break</a> &mdash; When the kids are home during holiday breaks or snow days, it's hard to know what to do with them to keep them busy and entertained. These activities are fun and cheap, so everybody wins.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-490080588.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-frugal-destinations-for-a-dreamy-winter-getaway?ref=fbf">8 Frugal Destinations for a Dreamy Winter Getaway</a> &mdash; Wanna get out of the snow? Plan a trip to somewhere idyllic and in your mind, you'll already be there. It doesn't matter if the trip is weeks or months away. Having something to look forward to will instantly boost your mood.</p> <p><a href="http://www.wisebread.com/5-investments-that-do-better-in-winter?ref=fbf">5 Investments That Do Better in Winter</a> &mdash; Sometimes, money actually can buy happiness. Especially when money turns into even more money. Put your cash in these stocks and you could have a nice little cushion by the time spring arrives.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/winteract-78255607.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/50-fun-things-to-do-when-youre-stuck-inside-during-winter?ref=fbf">50 Fun Things to Do When You're Stuck Inside During Winter</a> &mdash; Life isn't so bad when you can curl up by the fire and read a book or take a nap. The weather outside might be frightful, but these indoor winter ideas are all kinds of delightful.</p> <p><a href="http://www.wisebread.com/5-awesome-staycations-you-should-take-before-winter-ends?ref=fbf">5 Awesome Staycations You Should Take Before Winter Ends</a> &mdash; Before the snow melts, embrace your indoors-y side and have a nice little staycation. You'll feel bad about doing this when the weather outside is warm and beautiful, so take advantage of it now.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</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/17-reasons-to-look-forward-to-2017">17 Reasons to Look Forward to 2017</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-41-frugal-ways-to-battle-a-cold-or-flu">Flashback Friday: 41 Frugal Ways to Battle a Cold or Flu</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 13 Jan 2017 10:30:30 +0000 Chrissa Hardy 1873235 at http://www.wisebread.com Flashback Friday: 51 Ways to Organize Your Whole Life in 2017 http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-51-ways-to-organize-your-whole-life-in-2017" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_clothes_closet_585786834.jpg" alt="Woman organizing her whole life in 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are tons of resolutions you could focus on in the new year. You can get healthier, get in better shape, and focus on your career goals. But none of those goals are truly attainable if your living space is cluttered with stuff you don't want or need. The first step to accomplishing any goal is getting organized. So why not start there? Here are 51 ways to organize your life in 2017.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_68476985_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/12-smart-ways-to-organize-old-photos?ref=fbf" target="_blank">12 Smart Ways to Organize Old Photos</a> &mdash; We all have stacks of old photos somewhere. And until you sit down and decide what to do with them, that increasingly dusty stack will remain on your to-do list. Do it now! These tips are super helpful.</p> <p><a href="http://www.wisebread.com/14-ways-to-organize-a-messy-closet?ref=fbf" target="_blank">14 Ways to Organize a Messy Closet</a> &mdash; I have deep respect for anyone who constantly maintains a clean closet, because&hellip; how? But that feeling of pulling out the stuff you no longer wear is such a wonderful form of freedom. Do not underestimate it.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/organized-woman-home-490848943-small.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/organized-people-have-these-5-things-in-their-homes-do-you?ref=fbf" target="_blank">Organized People Have These 5 Things in Their Homes &mdash; Do You?</a> &mdash; In order to become successful at organization, you might as well learn from the pros, right? And these five items can be found in every pro-organizer's home. Are they in yours?</p> <p><a href="http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized?ref=fbf" target="_blank">8 Easy Ways to Keep Your Family Organized</a> &mdash; You can't accomplish any of your goals &mdash; organization-related or otherwise &mdash; if your entire day is packed with familial responsibilities. Get everyone else's schedules down on paper and then you'll have a much easier time organizing yours.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_writing_paperwork_000077386871.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-organize-your-paperwork-in-just-10-minutes-a-week?ref=fbf" target="_blank">How to Organize Your Paperwork in Just 10 Minutes a Week</a> &mdash; Even in the digital age, paperwork can easily pile up. And nobody wants to tackle that stack after a month of putting it off. If you do this each week, for only 10 minutes, your desk will always look clutter-free.</p> <p><a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=fbf" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a> &mdash; For some people, getting organized starts with the right mindset. When you start using a mindfulness journal, you become so much more aware of your moods, thoughts, and priorities. Then you have more room to live a happier life. Give it a go!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</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/flashback-friday-45-life-lessons-youd-give-to-your-younger-self">Flashback Friday: 45 Life Lessons You&#039;d Give to Your Younger Self</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-82-best-spring-cleaning-hacks-we-ve-ever-shared">Flashback Friday: The 82 Best Spring Cleaning Hacks We’ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-160-gift-ideas-for-everyone-you-know">Flashback Friday: 160 Gift Ideas for Everyone You Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Life Hacks Organization fbf flashback friday frugal living frugal living goals goals money New Year's new year's resolutions organization Fri, 06 Jan 2017 10:30:31 +0000 Chrissa Hardy 1869315 at http://www.wisebread.com Flashback Friday: 76 New Year's Resolutions That'll Make 2017 Your Year http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_2017_loading_624248520.jpg" alt="Woman making new year&#039;s resolutions for 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There's no dancing around it &mdash; 2016 has been a garbage year. Most of us are ready to enthusiastically wave goodbye to it on New Year's Eve and usher in a fresh start. And even though most resolutions are abandoned by February, if you incorporate focused, realistic goals, your chances for success are far greater. So let's give it a go when the clock strikes midnight. Here are 76 New Year's resolutions that will make 2017 your best year ever!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-518171446_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off?ref=fbf" target="_blank">15 Easy to Keep New Year's Resolutions That Really Pay Off</a> &mdash; The smartest way to make goals that will stick is to make them easy. If they're difficult and vague, you won't be motivated enough to keep them. These are all easy, focused, and will make your life so much better.</p> <p><a href="http://www.wisebread.com/successful-new-years-resolutions-have-this-one-thing-in-common-does-yours?ref=fbf" target="_blank">Successful New Year's Resolutions Have This One Thing in Common &mdash; Does Yours?</a> &mdash; The secret to achieving these holiday goals is to understand why the successful ones actually work. This breaks down the one thing all successful resolutions have in common. Make sure it's part of yours, too!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_dog_pet_499423418_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make?ref=fbf" target="_blank">4 New Year's Resolutions Your Pet Wants You to Make</a> &mdash; Your pet lives for you. They think you're the best creature on this Earth. So why not consider what they'd want for you when making your annual list of resolutions? Seeing your dog with that goofy grin will be more than worth it.</p> <p><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master?ref=fbf" target="_blank">23 Frugal Living Resolutions Anyone Can Master</a> &mdash; Living frugally is a trend that will never go away. We could all spend less money and buy fewer things. All of these brilliantly simple resolutions incorporate the frugal mindset. A little saving can go a long way.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/friends_new_years_498059820_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=fbf" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a> &mdash; Money. We all need more of it. Living paycheck-to-paycheck is a miserable way to live. Taking these small steps to building your financial cushion will give you financial freedom, and ultimately, a better life.</p> <p><a href="http://www.wisebread.com/25-small-new-year-s-resolutions-you-can-start-today?ref=fbf" target="_blank">25 Small New Year&rsquo;s Resolutions You Can Start Today</a> &mdash; Why wait until the ball drops? Get started on your resolutions now! These steps are all small and easy-to-make. After all, the early bird gets the worm, right?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Health and Beauty fbf fitness flashback friday frugal living frugal living goals goals Health Holidays money New Year's new year's resolutions Fri, 30 Dec 2016 10:30:30 +0000 Chrissa Hardy 1865098 at http://www.wisebread.com 17 Reasons to Look Forward to 2017 http://www.wisebread.com/17-reasons-to-look-forward-to-2017 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-reasons-to-look-forward-to-2017" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-594485114.jpg" alt="reasons to look forward to 2017" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As I often do before I write anything, I asked my Facebook friends some of their suggestions on the topic at hand. I should've known better this time. Because when I posed the question, &quot;What are some of your reasons to look forward to 2017?&quot; I received responses like, &quot;The apocalypse&quot; and &quot;Trump's impeachment.&quot;</p> <p>I digress.</p> <p>Rest assured, however, that I didn't take their advice. Instead, I'm including only positive entries, devoid of partisan politics, because that's what we all need right now &mdash; hope, happiness, and the pursuit of anything that isn't 2016. Yep, it was a terrible year by most accounts, but it's almost out of here. So let's rejoice and look to the future. Here are some awesome things to get excited about in 2017. (See also: <a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master?ref=seealso" target="_blank">8 Personal Finance Resolutions Anyone Can Master</a>)</p> <h2>1. It's Not an Election Year!</h2> <p>I don't know about you, but I was tired of hearing about Hillary Clinton and Donald Trump around March. Of course, the vitriol surrounding the election didn't get much better as the months passed &mdash; or even after Trump was elected. In fact, it seemed to get worse. I'm keeping my fingers crossed, though, that people on social media have expunged all the frustration sufficiently over the past two months, and are now committed to concentrating on more important things next year. If not, I think I'll have to hit the block button.</p> <h2>2. Lots of New Movies and Music</h2> <p>Each New Year brings 12 months of new-release movies and music. What are you looking forward to this year? Personally, I'm ramped up about AMC Theatres' Best Picture Showcase in February, a two-day event that I've attended the past several years to watch all of the Oscar-nominated films back to back before the Oscars. I purposefully avoid any film that has Oscar buzz so I can enjoy the fest in its entirety. I highly recommend checking it out. Looking ahead, I'm lining up for sure-to-be blockbuster films like <em>The LEGO Batman Movie</em>, <em>Alien: Covenant</em>, and <em>Baywatch</em>, along with some of the sleeper hits that will inevitably go viral. As for music, I'm preparing my iTunes for album releases by Tinie Tempah, Fergie, Iggy Azalea, Major Lazer, and more.</p> <h2>3. Paying Down Your Debt</h2> <p>Have you been <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">paying your debt down</a> consistently to a more manageable amount in 2016? Make this the year that you completely obliterate it. If you've been putting it off, attack it aggressively to unburden yourself. You'll be thankful you did. (See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt?ref=seealso">5 Ways to Pay Off High Interest Debt</a>)</p> <h2>4. More Affordable Taxes</h2> <p><a href="http://fortune.com/2016/12/12/donald-trump-tax-plan-charts/" target="_blank">President-Elect Trump's tax plan</a> gives most Americans a break on what they're currently paying, according to Fortune. His simplified tax code turns seven brackets into three and raises the threshold at which workers begin to pay income tax. In addition, many married couples will see their taxes reduced substantially. Something to look forward to if the new tax code falls in your favor.</p> <h2>5. The Release of the 10th Anniversary iPhone</h2> <p>Can you believe it's been nearly a decade since the iPhone single-handedly revolutionized the way we use mobile devices? For its 10th anniversary, expect a big reveal and, likely, a completely new design. Rumored features include a glass body, edge-to-edge OLED display with an integrated Touch ID fingerprint sensor, plus a game changer or two, like wireless charging.</p> <h2>6. Summertime</h2> <p>I live by the beach, and my favorite season is summer. I love everything about it &mdash; exercising outside, walking the boardwalk, visiting amusement parks, grilling in the backyard. I'm getting excited just thinking about it! Have you started thinking of your summer plans yet? If you plan to travel, winter is a great time to score deals on future getaways.</p> <h2>7. The World Expo</h2> <p>After taking a couple years off, <a href="https://expo2017astana.com/en/" target="_blank">World Expo 2017</a> will commence on June 10 in Astana, Kazakhstan, with the theme &quot;Energy of the Future.&quot; Thus far, 101 countries are participating.</p> <h2>8. A Total Solar Eclipse</h2> <p>A total solar eclipse will take place on Monday, Aug. 21. It will be the first solar eclipse visible from the United States since July 11, 1991, which was seen only from part of Hawaii. The longest duration of the eclipse will be two minutes 41.6 seconds, with the best viewing in Carbondale, Illinois. Just don't look directly at it, okay?</p> <h2>9. Your Vacation</h2> <p>Do you have a vacay on the books? Start planning where you'll stay and all the fun activities you want to do. It takes me hours and hours of planning to create an amazing vacation. I'm big on activities to create memories, and I like to compare prices and search for discounts to get the best deals. Happy hunting!</p> <h2>10. Making at Least One New Friend</h2> <p>I make several new friends a year &mdash; I actually set it as a goal &mdash; because I like to keep my social life active and interesting. Broaden your horizons by joining a social sports group, signing up for fitness classes, taking an art or music lesson, or becoming a member of a group that interests you.</p> <h2>11. Learning Something New</h2> <p>I'm sure you'll learn plenty of new things this year, but you have to make a conscious effort to learn anything important, like a new skill or a more efficient way to do something that takes up time or money. Decide what you want to learn and make it happen.</p> <h2>12. The First Human Head Transplant</h2> <p>Despite how you may feel about it, the <a href="http://www.nytimes.com/2016/06/12/world/asia/china-body-transplant.html" target="_blank">first human head transplant</a> will likely be performed this year. Italian neuroscientist Dr. Sergio Canavero and Chinese surgeon Dr. Xiaoping Ren are expected to remove the head of a Russian man named Valery Spiridonov who suffers from Werdnig-Hoffman Disease, and reattach it to a donor body. The procedure is dogged by controversy, but if it's a success, it will go down in history as the most important medical advancement thus far.</p> <h2>13. <em>Stranger Things</em> Season 2 Is Coming</h2> <p>If you were a fan of the Duffer Brothers' love-letter supernatural series to the 1980s, you'll be happy to know that a nine-episode second season of <em>Stranger Things</em> will be released on Netflix in 2017. The new narrative will take place about a year after the first season's events and will explore the &quot;bigger mythology&quot; of Will's disappearance.</p> <h2>14. Carving Out More &quot;Me&quot; Time</h2> <p>Seriously, give yourself a break. See more movies by yourself, take a nap every once in awhile, go grab a cup of coffee, and read a book or magazine in the café. Just love yourself more often. You deserve it.</p> <h2>15. Adding a New Revenue Source to Your Income</h2> <p>I live by the philosophy that you should always have two sources of income. I truly believe it's the only way you'll get ahead in life, especially if you like to do things like go out to dinner or on vacation. In addition to a full-time career, I supplement my income by watching other people's pets via DogVacay, renting out my homes on Airbnb, and driving people around town with Lyft and Uber. There are many, many ways that are not limited to my suggestions that you can put more money in the bank this year.</p> <h2>16. Finding Joy</h2> <p>We live in a world of negativity, it seems. Everywhere we turn, it's bad news. But that's perhaps because we're actually looking for the bad news, like on social media where all people seem to do is complain about things they can't change and otherwise lament their lives. Shun that mentality this year and find joy for yourself. Maybe that means taking a social media hiatus, but do whatever you've got to do. There's still happiness left in the world, if you know where to look.</p> <h2>17. Committing to a Healthy and Productive Lifestyle</h2> <p>Go to bed early and wake up earlier. Stay on track with your fitness. Drink water and eat healthy. Do these three things for yourself and I promise you that so many other things will start to fall into place. Just stick to it and you'll see the results. I promise.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/17-reasons-to-look-forward-to-2017">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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-81-best-tips-for-saving-big-at-the-grocery-store">Flashback Friday: The 81 Best Tips for Saving Big at the Grocery Store</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/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Budgeting 2016 2017 fitness Health new year new you New Year's New Year's Eve new year's resolutions Fri, 30 Dec 2016 10:00:14 +0000 Mikey Rox 1865096 at http://www.wisebread.com 23 Frugal Living Resolutions Anyone Can Master http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-frugal-living-resolutions-anyone-can-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/charity_fund_coins_495493374.jpg" alt="Finding frugal living resolutions anyone can master" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ooooooooh! I love a good challenge, don't you?</p> <p>Every year, 50% of Americans make a New Year's resolution. But each year, 88% of New Year resolvers fail to meet their goals. How is that possible? And how can we beat that disheartening statistic?</p> <h2>Do Less, More Often</h2> <p>The problem with most resolutions isn't too little willpower, but too much abstraction. Most people choose a gigantic, but vaguely defined, goal to achieve. Too many moving parts, mission creep, a steep learning curve; these things are obstacles to attaining goals. The key to success is to make the goal a small, but achievable habit. To quote Tim, my yoga teacher: &quot;Do less, more often.&quot;</p> <p>For example, I am currently trying to lose the 15 pounds I packed on this past year while recovering from an ankle injury. If I want to be successful in my goal to lose weight, my New Year's resolutions should not be, &quot;Get back in shape.&quot; That's a huge and amorphous mandate. Instead, my New Year's resolution should be a tiny daily habit like, &quot;Jump rope for 20 minutes every morning before breakfast.&quot;</p> <p>Plot twist: My New Year's resolution isn't actually about losing weight. My resolution this year, as it is every year, is to save more money.</p> <h2>Choose a Resolution That Requires No Talent</h2> <p>&quot;Save more money&quot; is about as undefined and unwieldy as you can get with a New Year's resolution. There are so many things that can <a href="http://www.wisebread.com/my-2016-budget-challenge-everything-breaks" target="_blank">throw a wrench into your plans</a> and destroy your motivation to save in the course of 12 months. Trust me, this resolution is dumb.</p> <p>If you want to grow your savings, simplify your life, or just live a little lighter on the planet, here's a list of simple, frugal living resolutions that require no talent.</p> <h2>1. Don't Drive Like a Jerk</h2> <p>It was a word problem on a 7th grade algebra exam that taught me that speeding wastes money. Aggressive driving (speeding, rapid acceleration and braking) can lower your gas mileage by up to 33%. Stop speeding and practice hypermiling instead.</p> <h2>2. Carpool</h2> <p>My husband saves thousands of dollars each year by carpooling to work. But don't limit your carpooling to just your daily work commute. You can save a ton of money by using a rideshare service to carpool home for the holidays or to a cultural event in another city. My awesome neighbor Patria and I carpool our errands at least once a week. It saves time, money, wear and tear on the car, and makes boring trips to the post office way more fun.</p> <h2>3. Go Carless for Short Trips</h2> <p>I try to walk, bike, or take public transportation to all events within a three-mile radius of my house. This habit saves me on gas money and allows me to avoid a costly gym membership. The hardest part about this practice is the time management. I no longer have to schedule around my workout, but it takes me much longer to get to the grocery store.</p> <h2>4. Stop Paying to Park</h2> <p>The hardest thing about driving in Los Angeles is not the traffic, but the parking. The city makes up its budget shortfall by aggressively doling out parking tickets, which start at $35 and go up from there. Parking signs are notoriously difficult to parse, of course.</p> <p>The key to saving money on parking is to give yourself extra time to find a free or cheap parking spot, so schedule that into your day. Also, there have been manifestos written about how to park on a budget in LA. I am sure <a href="http://www.wisebread.com/the-11-best-parking-apps-for-your-city" target="_blank">parking apps and maps</a> exist in other cities, too.</p> <h2>5. Be on Time</h2> <p>It takes absolutely no talent to be on time. There's a reason why the saying, &quot;Time is money,&quot; is a thing. Even so, American CEOs are late to 80% of their meetings. According to a survey by Proudfoot Consulting, CEO tardiness costs the U.S. economy $90 billion in lost productivity every year.</p> <p>But, even if you aren't a captain of industry, lateness is a money loser. Worst case scenario, you could get fired. As the job market becomes more competitive, more companies have decided to take a zero tolerance stance against employee tardiness. Your boss might be able to show up late, but you could lose your job.</p> <p>Also, being chronically late says a lot about you, and none of it is good.</p> <h2>6. Get Rid of 10 Things a Day</h2> <p>Clutter will keep you poor and drive you crazy. My November 1, 2001 Resolution was <a href="http://www.wisebread.com/do-this-one-thing-a-day-to-defeat-clutter-forever" target="_blank">Get Rid of 10 Things a Day</a>. I keep clutter at bay by removing 10 things from my home every day. That comes to 300 things per month, or 3,650 things per year, that leave my house. A thing can be as big as a car or as small as a safety pin. I can trash, donate, or recycle a thing. As long as the item physically leaves my house, I can count it as part of my 10 things.</p> <h2>7. Mari Kondo Your Home</h2> <p>Japanese organizing guru <a href="http://amzn.to/2ieBLPM" target="_blank">Mari Kondo</a> has taken the world by storm with her very simple method of managing clutter: Only keep the things that bring you a spark of joy. (Anything that doesn't bring you a spark of joy gets tossed.)</p> <h2>8. Downsize Your Storage</h2> <p>If your goal this year is to downsize, you should definitely start by emptying your storage.</p> <p>If you have ever watched <em>Storage Wars</em>, then you already know that most people pay a lot of money to store a lot of worthless crap. Personal storage is a <a href="http://www.wisebread.com/5-ways-self-storage-units-are-more-sad-museums-than-savvy-solutions">huge money drain</a>. Do the math. It might actually be cheaper to buy and then sell seasonal items like sleds and garden tools each year rather than paying to store them during the offseason.</p> <h2>9. Join the Compact (Buy Nothing New for One Calendar Year)</h2> <p>I <a href="http://www.wisebread.com/how-i-saved-30000-and-helped-the-earth-at-the-same-time" target="_blank">joined The Compact</a> in 2007 out of green guilt. Almost 10 years later, I am still a subscriber to this conservation movement. In addition to helping me live a more environmentally sustainable life, it has also helped me save over $30,000. Also, it's a super fun challenge that has taught me so much about myself!</p> <p>The core idea behind The Compact is to lighten your environmental impact on the planet by reducing the number of virgin resources you take out of it. You achieve this by agreeing to step off the consumer grid and buy nothing new for one calendar year, save for necessities like food, medication, and safety supplies.</p> <p>While buying nothing new sounds like deprivation, it's really more like a treasure hunt, because you can buy anything you want used. Under Compact rules, you could buy vintage furniture, or used clothes, or even a classic automobile, because none of these items are new.</p> <p>It's a super simple idea that runs deceptively deep, as sourcing used goods upends modern life's push for instant gratification.</p> <h2>10. Create a Capsule Wardrobe</h2> <p>While fashion bloggers on Pinterest and Tumblr might lead you to believe that a capsule wardrobe is all about shopping for the perfect minimalist wardrobe, I would argue that those people are doing it wrong. A true capsule wardrobe is a tightly edited collection of <a href="http://www.wisebread.com/build-a-work-wardrobe-for-any-job-on-a-budget" target="_blank">garments that fit your lifestyle</a>, year-round.</p> <p>A capsule wardrobe shouldn't be about perfection, but about creativity and practicality. How many outfits can you create out of the smallest number of garments?</p> <p>Since most people only wear a fraction of the clothes in their closets, downsize to the favorite items you wear over and over and get rid of everything else. Replace only your favorite garments when they wear out. Your new, smaller wardrobe will save you money and time.</p> <h2>11. Shop in Your Own Home First</h2> <p>Before you make a purchase, search your home first for an alternative that you can use instead. Can you make do with a navy blue dress instead of a little black dress? Can you learn how to cook on the stovetop instead of replacing your broken microwave with a new one? For the love of all that is good and beautiful, can you watch an instructional video to learn how to make your own fancy coffee at home for 10 cents versus buying it for $2.00?</p> <h2>12. Be a Part-Time Vegetarian</h2> <p>Meat costs a lot of money and is hard on the planet. The <a href="http://www.meatlessmonday.com/the-global-movement/" target="_blank">Meatless Monday Movement</a> found that by cutting meat consumption to just one day a week saved participating families $80 per month on their grocery bills. Save even more by going meatless several days a week.</p> <h2>13. Eat Your Leftovers!</h2> <p>My sister and I grew up eating last night's dinner leftovers for breakfast. In addition to cutting food waste, eating leftovers also sped up the morning schedule because on most days, we didn't even bother reheating the food. This weird, frugal hack has saved my sister and I a small fortune in food costs.</p> <p>A lot of people who hear about our dinner for breakfast habit are grossed out. Of course, these same people probably have no problem with eating dinner for breakfast as long as they pay a lot of money for steamed table food and call it brunch.</p> <p>If dinner for breakfast doesn't float your boat, make <a href="http://www.wisebread.com/thursday-night-soup-delicious-soup-from-leftovers" target="_blank">Thursday Night Soup</a> out of your kitchen scraps to stretch your grocery budget and keep your fridge compost-free.</p> <h2>14. Bring Your Lunch to Work</h2> <p>My husband has saved over $2,500 this year just by bringing his lunch to work instead of going out to eat. My husband doesn't feel deprived or shamed by his brown bagging. A<a href="http://www.wisebread.com/25-great-non-sandwich-work-lunches" target="_blank"> brown bag lunch</a> doesn't have to be boring. My husband takes great pleasure in preparing elaborate meals for himself that cost pennies.</p> <p>Alternately, if you have a favorite food, eating the same lunch every day can be a comforting ritual that saves a lot of time. Jennifer Aniston and Courteney Cox famously ate the <a href="http://www.self.com/story/jennifer-aniston-and-the-friends-ladies-ate-this-salad-every-day-for-10-years" target="_blank">same salad</a> for lunch for 10 years. My mother, who is an excellent cook, loves peanut butter and jelly sandwiches so much, that she has special refillable tubes that allow her to take her favorite lunch ingredients with her when she goes camping. Eating the same lunch each day also makes it easy to save money on groceries. You can budget down to the penny what your lunch costs and buy the ingredients when they go on sale.</p> <h2>15. Use Less</h2> <p>This one is easy. Just use less. If you use half the amount of detergent, will your clothes still get clean? Can you split an entree at dinner with a friend and still feel full? What would happen if you just lathered and rinsed, but didn't repeat?</p> <h2>16. Save Water</h2> <p>Is your water bill sky high or would you just like to do your part to preserve the water table? It's time to plan out your <a href="http://www.wisebread.com/50-ways-to-save-water" target="_blank">water-saving plan</a>.</p> <h2>17. Save Electricity</h2> <p>Turn off those lights! Make these <a href="http://www.wisebread.com/8-ways-youre-wasting-electricity-without-realizing-it" target="_blank">energy-saving strategies</a> part of your daily life and save big.</p> <h2>18. Cut Down on Your Trash</h2> <p>The average American generates 4.4 pounds of trash per person, per day. You can do better! Here are <a href="http://www.wisebread.com/12-ways-to-cut-down-on-garbage-and-save-money-too" target="_blank">12 ways to cut down on garbage</a> and save money (and your sanity, too).</p> <h2>19. Recycle</h2> <p>Before I was old enough to legally work, I earned pocket money by collecting bottles and cans and recycling them for money. As an adult, I still make several hundred dollars a year recycling the bottles and cans that my wino neighbors throw onto the parkway. Yes. It might be embarrassing to cruise target-rich public areas like fraternity row or the trash cans outside your local concert venue for recyclables. But, if you are scrambling to make ends meet, consider the cost of your vanity. There's at least one Los Angeles family that <a href="http://abcnews.go.com/2020/story?id=1787254&amp;page=1#.UU6Z1I73BdQ" target="_blank">sent their three kids to college</a> with the money they made collecting bottles and cans.</p> <p>Recycling is obviously good for the wallet. But, if you already recycle for the money, consider recycling items that don't offer a rebate for the sake of the planet. An increasing number of companies are now offering <a href="https://www.terracycle.com/en-US/brigades" target="_blank">free recycling</a> for their packaging.</p> <h2>20. Keep Making Payments</h2> <p>My husband and I finally paid off our home equity line of credit! We've been making the $423 payments each month for over a year now, and we intend to continue paying the $423&hellip; but as extra principal payments on our home mortgage. Since we're used to covering the $423, we won't even notice a difference in our budget.</p> <h2>21. Collect the Change</h2> <p>Every time you get a $5 bill, put that money into your savings account. If your budget won't permit $5 increment savings, put your spare change into a piggy bank at the end of each day. Either way, your savings will pleasantly surprise you at the end of the year.</p> <h2>22. 52-Week Challenge</h2> <p>This savings strategy has a slow roll out, but strong payout. Every year is divided into 52 weeks. On week one, put $1 into your savings account. On week two, put $2 into your savings account. On week three, save $3. You get the idea. The largest weekly deposit you will have to make is $52. At the end of the year you will have saved $1,378!</p> <h2>23. Learn and Practice One New Skill</h2> <p>I didn't become a ninja saver overnight. Every year I try to master one new skill that will make or save me more money. One year, my friend Carol Ann taught me how to can my cranberry jam, and now I own an artisanal food company. This last year I learned how to forage for edible plants in my own backyard to save money on fresh produce. Years ago I taught myself how to sell online on Etsy and eBay. Each year I <a href="http://www.wisebread.com/from-dumpster-diving-to-garage-sales-turning-trash-into-cash" target="_blank">make at least $1,000 </a>selling trash picked items that I have literally pulled out of the garbage, for cash.</p> <p>In 2017, I am going to learn how to refinish wood furniture like a pro. With the help of my friend Kirk, a retired painting contractor, I am currently refinishing an original Jens Risom coffee table that was purchased for $3 at a garage sale and hidden under layers of paint. Modern reproductions of this same table sell for over $3,000 and originals in pristine condition go for even more.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F23-frugal-living-resolutions-anyone-can-master&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master.jpg&amp;description=23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/23%20Frugal%20Living%20Resolutions%20Anyone%20Can%20Master.jpg" alt="23 Frugal Living Resolutions Anyone Can Master" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">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/5-ways-to-restart-your-resolutions-this-spring">5 Ways to Restart Your Resolutions This Spring</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/my-16-favorite-ways-to-get-rid-of-clutter">My 16 Favorite Ways to Get Rid of Clutter</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/18-times-in-life-when-less-is-more">18 Times in Life When Less Is 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/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Lifestyle budget challenges cleaning downsizing goals new year's resolutions resolutions saving money Thu, 29 Dec 2016 10:00:21 +0000 Max Wong 1864429 at http://www.wisebread.com 8 Personal Finance Resolutions Anyone Can Master http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-personal-finance-resolutions-anyone-can-master" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends_new_years_498059820.jpg" alt="Friends making personal finance resolutions they can master" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working on your New Year's resolutions? Unfortunately, an incredible <a href="https://blog.bufferapp.com/the-science-of-new-years-resolutions-why-88-fail-and-how-to-make-them-work">88% of New Year's resolutions fail</a>. The big problem is that most people's resolutions aren't specific enough, or they're too ambitious.</p> <p>Ready to get 2017 off to a good money start? Try out these eight financial resolutions. They're simple enough so that anyone can accomplish them in the new year.</p> <h2>1. Build a Household Budget</h2> <p>We know it doesn't sound like fun, but crafting a household budget is the best financial move that you can make in 2017. Why? A budget tells you how much money you should be spending each month on everything from groceries to eating out to streaming movies on Amazon. Without a budget, your odds of overspending will soar. Fortunately, <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps">making a budget</a> isn't nearly as challenging as you might think.</p> <h2>2. Pay Down Your Credit Card Debt</h2> <p>Your credit card debt might look overwhelming, but paying down this expensive debt in 2017 is actually a fairly easy task &mdash; if you commit. There are several different ways you can <a href="http://www.wisebread.com/the-7-best-credit-card-debt-elimination-strategies">attack your credit card debt</a>, from paying off the cards with the lowest balance first to prioritizing those with the highest interest rates. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso">The Fastest Way to Pay Down $10,000 in Credit Card Debt</a>)</p> <h2>3. Build an Emergency Fund</h2> <p>What happens if your home furnace conks out? What if your car's transmission dies? Can you cover these unexpected expenses with cash? Or would you have to charge the repairs? If you have an emergency fund, you'll always have cash on hand to cover life's unexpected disasters. Financial experts say you should have at least six months' worth of daily living expenses saved in an emergency fund at all times. That might sound like a difficult goal, but you can <a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">build this fund</a> as slowly as you'd like.</p> <h2>4. Cut Out One Unnecessary Expense</h2> <p>Vowing to cut your spending isn't the easiest New Year's resolution to keep; it's simply too vague. Instead, vow to <a href="http://www.wisebread.com/7-unnecessary-household-expenses-you-can-cut-today">cut one unnecessary expense</a> from your routine. For instance, you might vow to stop buying coffee on the way to work, and instead brew your own java at home.</p> <h2>5. Boost Your Life Insurance Coverage</h2> <p>If you were to unexpectedly die, would you have enough of a life insurance payout to provide financial protection for your loved ones? If not, it might be time to boost your <a href="http://www.wisebread.com/term-vs-whole-life-insurance-heres-how-to-choose">life insurance coverage</a>. Fortunately, this is an especially easy New Year's resolution to keep: Just call an insurance agent.</p> <h2>6. Protect Your Things</h2> <p>Whether you're a renter or a homeowner, you need to make sure that you have enough insurance to replace the items in your home, should they be stolen or destroyed. Resolve in 2017 to meet with an insurance agent to discuss either homeowners' or <a href="http://www.wisebread.com/5-reasons-you-definitely-need-renters-insurance">renters' insurance</a>.</p> <h2>7. Pay Your Bills on Time Every Month</h2> <p>Want a <a href="http://www.wisebread.com/7-ways-to-increase-your-credit-score-quickly">sky-high credit score</a>? Then pay your bills on time every month. Doing this will slowly, but steadily, cause your FICO credit score to rise. And a higher credit score will mean lower interest rates when you're borrowing money later.</p> <h2>8. Find a Better Savings Account</h2> <p>You might think savings accounts are a fairly boring place to stash your dollars. The truth, though, is that some savings accounts are better than others, and some provide far better interest. Make a resolution this year to <a href="http://www.wisebread.com/the-types-of-savings-accounts-which-is-right-for-you">find a savings account</a> that will help you build your savings at a faster clip.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">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/its-never-too-late-to-fix-these-5-money-mistakes-from-your-past">It&#039;s Never Too Late to Fix These 5 Money Mistakes From Your Past</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/10-golden-rules-of-personal-finance-everyone-should-know">10 Golden Rules of Personal Finance Everyone Should Know</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/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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-money-moments-that-should-be-on-everyones-bucket-list">8 Money Moments That Should Be On Everyone&#039;s Bucket List</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance budgeting debt emergency funds goals life insurance money resolutions new year's resolutions saving money savings accounts Wed, 28 Dec 2016 10:00:11 +0000 Dan Rafter 1863676 at http://www.wisebread.com 15 Easy to Keep New Year's Resolutions That Really Pay Off http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-easy-to-keep-new-years-resolutions-that-really-pay-off" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-518171446.jpg" alt="these easy new year&#039;s resolutions really pay off" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>New Year's resolutions are designed to help you improve your life in the new year. However, the vast majority of us have a very hard time sticking to them past January. That's why we've found some small changes you can realistically make that will result in a big difference over time. (See also: <a href="http://www.wisebread.com/12-frugal-skills-you-must-have-to-survive-mondays?ref=seealso" target="_blank">12 Frugal Skills You Must Have to Survive Mondays</a>)</p> <h2>Fitness Resolutions</h2> <p>Two of the top three New Year's Resolutions of 2016 had to do with staying fit and losing weight. Fortunately, there are some simple changes that you can make in the new year that will help you achieve your fitness goals more quickly.</p> <h3>1. Set Achievable Goals</h3> <p>Set achievable fitness goals on a daily, weekly, or monthly basis. You aren't going to get that perfect body overnight, so set goals that you can realistically achieve. Reward yourself when you reach your milestones by taking a day off, paying for a special exercise class, or purchasing affordable new workout gear. Don't over think things, try not to get frustrated, and remember that fitness takes time.</p> <h3>2. Save Money On Your Fitness</h3> <p>Getting in shape doesn't have to cost a fortune. There are endless ways to get in shape for free, such as running, yoga, and hiking. You can even join a hiking group or find free yoga classes near you to shake up your workout routine and spend time with friends without breaking the bank. You can also find free workout apps, follow fitness Instagram accounts, or follow a YouTube fitness page for new workouts and inspiration. (See also: <a href="http://www.wisebread.com/13-easy-ways-to-save-on-your-gym-membership?ref=seealso" target="_blank">13 Easy Ways to Save on Your Gym Membership</a>)</p> <h3>3. Keep a Food Journal</h3> <p>Keeping a food journal can keep you on track and accountable for what you eat. By writing down every little crumb that you eat on a daily basis, you can look back every week and see what you need to improve on and how well (or how poorly) you actually eat. It can also encourage you to eat fewer calories, improve your health, and help you make positive dietary changes for life. Your doctor or personal trainer may have already recommended that you keep a food journal, and the new year is the best time to start.</p> <h2>Health Resolutions</h2> <p>For the new year, focus on improving your overall well-being by making healthy changes that you can stick to.</p> <h3>4. Skip the Snooze Button</h3> <p>Waking up earlier can help you achieve so much more every week. By cleaning, stretching, or completing one item from your &quot;to-do&quot; list during your extra time, you can get your day started on a more productive note. However, waking up earlier can be difficult, so try getting up early (or ignoring the snooze button) just one day per week.</p> <h3>5. Multitask More</h3> <p>During commercial breaks, try multitasking. Do a quick exercise set or quick clean during each commercial break. For the average 60-minute show, there are about 13-19 minutes of commercials. Imagine what you could get done with all that extra time.</p> <h3>6. Start Meditating</h3> <p>Meditating has dozens of health and stress-reducing benefits. It can help you sleep better, make better decisions, and refocus your energy in a positive way. If you aren't familiar with meditation, consider starting with breathing exercises or use apps like <a href="https://www.headspace.com/register/free-trial?" target="_blank">Headspace</a> to get you started. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h3>7. Exercise More</h3> <p>The Centers for Disease Control and Prevention recommend getting at least two and a half hours of exercise each week. This means that you should be working out about 30 minutes per day, five days per week. This is a very attainable goal that can have huge health and fitness benefits both in the short- and long-term.</p> <h3>8. Clear Away Clutter</h3> <p>Clearing clutter from your life will make you more organized and productive, can decrease stress, and can make way for new things in your life. (See also: <a href="http://www.wisebread.com/how-to-clear-out-financial-clutter?ref=seealso" target="_blank">How to Clear Out Financial Clutter</a>)</p> <h3>9. Drink Water in the Morning</h3> <p>Drinking a glass of water first thing in the morning on an empty stomach is a great way to soothe the stomach, curb your appetite throughout the day, boost energy, and improve overall health. It can also help you detoxify the body and even lose weight, helping you stick to your fitness and health resolutions.</p> <h3>10. Volunteer More</h3> <p>Volunteering more often has countless benefits for both you and those you volunteer for. While others can benefit from your time, energy, and talents, you can feel good about yourself for your efforts. Volunteering also looks great on your job applications, can help you make new friends, and most importantly, you're helping to make the world a better place.</p> <h2>Financial Resolutions</h2> <p>In 2016, more than half of Americans had a finance-related resolution. Fortunately, there are some simple changes you can make that can result in huge savings.</p> <h3>11. Save Your 5's</h3> <p>Save all $5 bills in a designated jar or drawer. At the end of every month, apply them toward your debt, emergency fund, or retirement account. You'll be amazed at how quickly this adds up, and you won't feel a huge difference in your spending. This is known as &quot;<a href="https://www.quickenloans.com/blog/5-savings-plan" target="_blank">The $5 Savings Plan</a>&quot; and can help you save hundreds each month. Even if you only save one $5 every week, you'll save an extra $260/year.</p> <h3>12. Invest an Extra $35/Week</h3> <p>According to <a href="https://www.daveramsey.com/blog/retire-a-millionaire-on-35-a-week" target="_blank">Dave Ramsey</a>, by investing $35/week for 40 years, you can retire a millionaire.</p> <h3>13. Sign Up for Automatic Deposits</h3> <p>Consider signing up for automatic deposits to your savings account every month. The money will add up quickly and you won't feel like you're missing much.</p> <h3>14. Eat Out Less</h3> <p>Eating out less often will save you money and can even help you achieve your fitness goals more quickly. If you eat out all the time, just try cutting back on your morning coffee or to-go orders by one day per week.</p> <h3>15. Cut Expensive Habits</h3> <p>By cutting an expensive habit like smoking, you can save up to $2,321 per year. Not only is this great for your pocketbook, but it is also a healthy change you can make in the new year. (See also: <a href="http://www.wisebread.com/save-a-surprising-amount-by-quitting-these-4-bad-habits?ref=seealso" target="_blank">Save a Surprising Amount by Quitting These 4 Bad Habits</a>)</p> <h2>How to Stick With Your Resolutions</h2> <p>According to The University of Scranton, only <a href="http://www.statisticbrain.com/new-years-resolution-statistics/" target="_blank">8% of Americans are actually successful</a> in achieving their New Year's resolutions. To ensure that you're part of that 8% this year, write down your resolutions in a place that you can see them daily. Also, determine what measurable steps you need to take to accomplish these goals. Consider using a <a href="http://www.wisebread.com/this-simple-journal-may-be-the-fix-for-your-finances" target="_blank">bullet journal</a> to help you track your goals and monitor your progress.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/15-easy-to-keep-new-years-resolutions-that-really-pay-off">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/flashback-friday-76-new-years-resolutions-thatll-make-2017-your-year">Flashback Friday: 76 New Year&#039;s Resolutions That&#039;ll Make 2017 Your Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</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/17-reasons-to-look-forward-to-2017">17 Reasons to Look Forward to 2017</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Life Hacks Health and Beauty 2017 financial goals fitness fitness goals Holidays life goals New Year new year's resolutions resolutions Tue, 27 Dec 2016 10:30:34 +0000 Andrea Cannon 1860475 at http://www.wisebread.com Refinance These 4 Common Debts Before Year Ends http://www.wisebread.com/refinance-these-4-common-debts-before-year-ends <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/refinance-these-4-common-debts-before-year-ends" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/calculator_pencil_math_82097885.jpg" alt="You should refinance 4 common debts before year end" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The year is almost over, which gets many people thinking about New Year's resolutions. Perhaps you are recalling the resolutions you made at the beginning of this year and getting down on yourself for not saving more money and paying off more debt. &quot;Next year,&quot; you promise yourself.</p> <p>But if you refinance these four loans, you can get a head start on your financial goals and even sail into the New Year with a little less financial burden on your shoulders. Here are the top loans you should refinance, as well as a few tips to decrease your debt burden altogether.</p> <h2>Credit Cards</h2> <p>Does your credit card debt seem like it never goes down, even when you throw extra money at it each month? It's the interest rate. There are two ways that you can refinance your credit card balance and save money each month. The first is to <a href="http://www.wisebread.com/best-lenders-for-personal-loans">refinance your debt</a> with a low interest personal loan, like one through&nbsp;<a href="https://sofi.com/wisebreadpl">SoFi</a> or<a href="http://prosper.evyy.net/c/27771/27132/994"> Prosper</a>.</p> <p>This works well for individuals that have <a href="http://www.wisebread.com/5-ways-to-pay-off-high-interest-credit-card-debt">high interest credit card debt</a>. A low-interest personal loan will allow you to pay off your credit card debt faster, but be aware that your monthly payments will be higher. This is because credit cards only require a minimum payment each month, which can be very low, depending on the debt. Keep in mind, however, that those low monthly minimum payments are what keep you in debt for so long. Therefore, when you switch the debt to a three- or five-year personal loan, you will be required to pay more each month.</p> <p>Another popular way to refinance credit card debt is to transfer it to a promotional <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">0% balance transfer card</a>. This will allow you to transfer your debt to a card that does not charge interest for the promotional period. To use this transfer to your advantage, divide the amount of debt you have by the number of promotional interest free months offered. For example, if you are transferring <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt">$10,000 of debt</a> on a card that offers 15 months of 0% interest, then be prepared to pay about $667 each month to avoid interest charges at the end of the promotion. Do not use this card to accumulate new debt.</p> <p>(See also: <a href="http://www.wisebread.com/when-to-do-a-balance-transfer-to-pay-off-credit-card-debt">When Should You Transfer a Balance to Pay Off Debt</a>)</p> <h2>Mortgages</h2> <p>Mortgage rates remain historically low, but recent news shows that <a href="http://www.marketwatch.com/story/us-mortgage-rates-climb-to-post-brexit-high-2016-09-15">rates are slowly rising</a>. If you are still battling with a mortgage rate higher than 5% or are paying PMI, now is the time to refinance.</p> <p>Refinancing your mortgage can extend the life of your home loan, but it can also save you dramatically each year, especially if you are paying&nbsp;<a href="http://www.wisebread.com/what-is-private-mortgage-insurance-anyway">pesky PMI fees</a>. Research the cost to benefit ratio, knowing how much money you will save each month. Also research to know if a 15-year mortgage makes financial sense. In many cases, switching to a 15-year loan is riskier for your budget, but other times it can be a small monthly increase that will pay off big time in reduced interest payments.</p> <h2>Car Loans</h2> <p>Americans owe a lot on their car loans. USA Today reports, &quot;The total balance of all outstanding auto loans <a href="http://www.usatoday.com/story/money/cars/2016/09/06/car-loans-now-top-1-trillion-delinquency-rates-rise/89911210/">reached $1.027 trillion</a> between April 1 and June 30.&quot; If you secured your auto loan through a dealer, there is a good chance you are overpaying for your car loan. Contact your local credit union for rates, and don't forget to research online for the best rates.</p> <p>I have used two credit unions in the past to successfully secure an auto loan for less than 2.50%, and those credit unions did not have an actual building within 100 miles of me.</p> <h2>Student Loans</h2> <p>The burden of student loan debt is crippling millions of Americans. You don't need to live with your student loan forever. As long as you have good credit and are not in default with your loans, you have options. If you have federal student loans, then I strongly recommend looking into the <a href="http://www.wisebread.com/5-careers-that-offer-student-loan-forgiveness">forgiveness programs</a> available. It might mean taking a less than desirable job for a few years, but if that job forgives a large portion of your student debt, then it could be worth more to you than a higher paying job. Other options include income-sensitive repayment programs, such as <a href="http://www.wisebread.com/the-definitive-guide-to-pay-as-you-earn-a-great-student-loan-repayment-plan">PAYE and IBR</a>, which peg your monthly payments to your income level. Thus, if you're struggling to make a standard monthly payment, these programs set your monthly outlays at a more affordable level.</p> <p>If you are not eligible (or a fan) of the forgiveness programs, <a href="http://www.wisebread.com/should-you-refinance-your-student-loan">refinancing your student loans</a> is your next best option. Note that if you refinance your loans, you will be switching them over to a private lender. This means that if you have federal student loans, you will no longer be protected for federal loan repayment programs if you suddenly lose your job or face financial hardships.</p> <p>(See also: <a href="http://www.wisebread.com/5-ways-to-pay-off-your-student-debt-faster">5 Ways to Pay Off Your Student Loans Faster</a>)</p> <p><a href="http://sofi.com/wisebread">SoFi</a> is one company that offers student loan refinancing and also offers unemployment protection for borrowers that lose their job at no fault of their own. The company says, &quot;In fact, members who refinance with us save an average of $316 a month &mdash; and $17,208 total.&quot; Other notable companies to consider include:</p> <ul> <li><a href="https://www.earnest.com/">Earnest</a></li> <li><a href="https://commonbond.co/choose-your-loan?referrer=b75172e7076c5472bed5baec5e28309c&amp;referred">CommonBond</a></li> <li><a href="http://lendkey.7eer.net/c/27771/187810/3276">LendKey</a></li> </ul> <p>Refinancing these common debts can help you pay less each month, as well as less overall. Use these refinancing strategies to get out of debt faster and take control of your finances.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/refinance-these-4-common-debts-before-year-ends">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/15-personal-finance-calculators-everyone-should-use">15 Personal Finance Calculators Everyone Should Use</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-happens-to-your-debt-after-you-die">What Happens to Your Debt After You Die?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-surprising-things-lenders-check-besides-your-credit-score">4 Surprising Things Lenders Check Besides Your Credit Score</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/dont-ignore-these-4-things-before-refinancing-your-student-loans">Don&#039;t Ignore These 4 Things Before Refinancing Your Student Loans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-moves-to-make-if-your-net-worth-is-negative">6 Money Moves to Make If Your Net Worth Is Negative</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management car loans interest rates lenders loans mortgages new year's resolutions personal loans refinancing repayment programs student loans Mon, 26 Sep 2016 10:30:07 +0000 Ashley Eneriz 1798863 at http://www.wisebread.com 5 Ways to Restart Your Resolutions This Spring http://www.wisebread.com/5-ways-to-restart-your-resolutions-this-spring <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-restart-your-resolutions-this-spring" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000076065413_Large.jpg" alt="restarting her resolution in spring" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sure, I resolved to &quot;be better about flossing&quot; and &quot;do more crunches&quot; in my list of resolutions for 2016. I even spoke my resolutions aloud in my work wellness group to reinforce ethem. And then, upon re-reading them, I wondered how long those goals would last. A little research told me that only 8% of people who make resolutions actually achieve them.</p> <p>As it turns out, maybe New Year's just isn't the best time to make resolutions. Maybe we should all be waiting until the snow melts and the flowers start to bloom. Isn't that a better setting to tap into your motivated self anyway? Here are five ways to restart your resolutions this spring, so you actually achieve them.</p> <h2>1. Remember That Goals Can Be Made Anytime</h2> <p>We like to make resolutions in January, because it's the traditional time to do so, and that &quot;new year, fresh start&quot; feeling is palpable and contagious. By breaking free of that January tradition, you might be able to actually achieve success. According to StatisticBrain, the top <a href="http://www.statisticbrain.com/new-years-resolution-statistics/">New Year's Resolutions in 2015</a> were:</p> <ul> <li>Lose weight</li> <li>Spend less, save more</li> <li>Enjoy life to the fullest</li> <li>Stay fit and healthy</li> <li>Learn something exciting</li> <li>Quit smoking</li> <li>Help others</li> <li>Fall in love</li> <li>Spend more time with family</li> </ul> <p>Sure, it's easy to hop on the scale January 1 and resolve to move more and consume less, but when the days are short and your energy is at an all-time low, it can be tough to get motivated. Why not start that new fitness chapter of your life once the snow melts and when being outdoors is actually bearable?</p> <p>And for &quot;spend less, save more,&quot; wouldn't reviewing your financial goals <em>after </em>your taxes are done make more sense? That's a very natural time to review what you've done, and see where you need to work harder. April, then, could be a month to <em>begin</em> setting financial goals.</p> <p>Many of these resolutions can be implemented at any point during the year. There is nothing magical about starting them in January.</p> <h2>2. Learn to Exercise Because You Want to, Not Because You Have To</h2> <p>A soon-to-be-published Duke University study found that <a href="http://www.fuqua.duke.edu/news_events/news-releases/jordan-etkin-tracking/">measurement of exercise</a> &quot;Has these pernicious effects. Enjoyable activities can become almost like a job, by forcing out the outcomes of things that used to be fun,&quot; said Professor Etkin, of the results.</p> <p>I'm guilty of that. I like to write tasks down, and then cross them off. In doing those crunches, I'm not focusing on whether I'm doing them well, and using good form. I'm just counting them. I see a lot of this on Twitter, in tweets about how far a person has walked, or the amount of exercise performed. Instead, find something that's actually enjoyable, and it will feel less like a chore and more like a treat. (See also: <a href="http://www.wisebread.com/5-things-yoga-can-teach-you-about-money?ref=seealso">5 Things Yoga Can Teach You About Money</a>)</p> <h2>3. Get Focused on Being Frugal</h2> <p>What do many of us do in January? We pay, or begin to pay, our credit card bills. Christmas was merry, but the Macy's bill isn't. And yet, what do we do? Join gyms. Buy exercise equipment. We pile debt upon debt in the name of self-improvement. And then tax season hits and we're back to suffering through another financial stress period.</p> <p>Once Tax Day passes, look at springtime as a fresh start for your finances. Banish the urge to buy a new spring wardrobe and focused on becoming more frugally-minded instead.</p> <h2>4. Use Winter as a Recovery Period</h2> <p>After the delightful fun vibe of the holiday season, we put away our decorations and gear up for the new year. Many of us have put off big work projects until the holidays are over, since it's frustrating trying to coordinate meetings or meet deadlines at the end of the year. So, work in the winter becomes one long day after another. If you have resolved to go to the gym before or after work, that's just one more thing you need to get done each day. If you are already stressed about bills, work, family pressures, or other areas of your life, this is the wrong time to try to &quot;better yourself.&quot;</p> <p>What's best is to get your life in a calmer place, first. Think of winter as a recovery time for every aspect of your life, and use the dewy beauty of spring for rejuvenation and goal achievement.</p> <h2>5. Go Slow and Steady Toward Your Goals</h2> <p>Would you like to make a lot of self-improvements? First, remember that Rome wasn't built in a day. Next, try making a list. Pick the <em>one </em>thing on that list that is the most important to you. Make sure it's realistic. When you feel you are ready to try to achieve this goal (meaning not stressed out about other parts of your life), give it a while. If, after a month or two, you are sticking with it, <em>then</em> add another. Be like the tortoise, and you'll get there way before the hare.</p> <p><em>Will you restart your resolutions this spring? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/5-ways-to-restart-your-resolutions-this-spring">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/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</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/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</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/checking-in-with-old-goals-for-the-new-year">Checking in With Old Goals for the New Year</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/this-simple-negotiating-trick-puts-money-in-your-pocket">This Simple Negotiating Trick Puts Money in Your Pocket</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Lifestyle focus goals new year's resolutions resolutions spring Fri, 22 Jan 2016 12:00:04 +0000 Marla Walters 1642418 at http://www.wisebread.com Try These 6 Money-Saving Challenges Now http://www.wisebread.com/try-these-6-money-saving-challenges-now <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/try-these-6-money-saving-challenges-now" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_challenging_savings.jpg" alt="woman challenging herself to save big this year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you have a major goal to spend less or save more in 2016? I'm sure many of us do. But if you're anything like me, you need a challenge to get the motivation going. Frank L. Smoll, Ph.D., writing in <em>Psychology Today</em> explains that <a href="https://www.psychologytoday.com/blog/coaching-and-parenting-young-athletes/201311/keys-effective-goal-setting">effective goal-setting in sports </a>is all about the ABCs:</p> <p>A: The goal should be Achievable.</p> <p>B: It should also be Believable.</p> <p>C: And you've got to be Committed to working on it.</p> <p>The same principles apply to any sort of goal you set out to reach. Looking for a place to start? Here are six money-saving challenges to get your own creative juices flowing.</p> <h2>1. No New Clothing</h2> <p>Clothing is a huge expense for a lot of us (pointing the finger at myself here). According to the Bureau of Labor Statistics, the average American household&nbsp;<a href="http://www.bls.gov/news.release/cesan.nr0.htm">spends over $1,700 on apparel</a> each year. That's a whole lot of sweaters and slacks. Why not try giving up this line item with a No New Clothing Challenge?</p> <p>Try digging in the back of your closet to assess all your options &mdash; then live with what you have. Still need to buy? You can always find steals on second-hand clothing (especially for kids!) at thrift shops or garage sales. You may also want to host a clothing swap or make a more minimalist wardrobe. (See also: <a href="http://www.wisebread.com/8-essential-pieces-for-your-capsule-wardrobe?ref=seealso">8 Essential Pieces for Your Capsule Wardrobe</a>)</p> <h2>2. Buy Nothing New Challenge</h2> <p>Beyond your fixed bills and a few necessities, do you think you could buy nothing new for a month? Maybe longer? Assya Barrette at <em>Alternet</em> went on a <a href="http://www.alternet.org/culture/i-bought-nothing-new-200-days-and-why-you-should-too">Buy Nothing New Challenge</a> for a whopping 200 days. (Wise Bread writer Max Wong <a href="http://www.wisebread.com/the-compact-mindfullness-and-frugality-through-buying-used">bought nothing new</a> for more than a year!) Outside of basic food, toiletries, and medicines, Barrette did acquire a few things borrowed or gently used.</p> <p>But the lesson was about way more than saving money. Throughout the process, she discovered that a lot of our material possessions just aren't necessary to live a full, happy life. Breaking the habit of mindless shopping is another benefit of this challenge. Start small and try this idea for a week, month, or &mdash; if you dare &mdash; even longer.</p> <h2>3. 52-Week Money Challenge</h2> <p>The concept is simple and likely familiar: You start by saving $1 in your first week, $2 in the second, and so on. By the end of the <a href="http://media1.onsugar.com/files/docs/52weekmoneychallenge.pdf">52-Week Money Challenge</a>, you enjoy a total savings of $1,378. Some of my friends have even done the challenge in reverse, starting with the $52 and counting down to zero.</p> <p>If you're not so disciplined with stashing savings, this challenge can be a great way to start an emergency fund or to put away cash for another purpose in your life. If structure scares you, you can also try dumping all your leftover change or dollar bills into a jar each night. At least it's a step in the right direction!</p> <h2>4. Debt-Free Challenge</h2> <p>Don't you get so jealous when you hear someone has paid off all of his or her debts? I know I do. Shift that energy into starting your own debt-free challenge. Many of my friends swear by Dave Ramsey's Debt Snowball Plan where you focus on one debt at a time (usually with the smallest balance first) and knock them out until they're all gone. Where exactly can you find extra cash to pay down the debt? Try selling your unused stuff on Craigslist, lowering your variable expenses and extras, and just plain saving. (See also: <a href="http://www.wisebread.com/pay-down-debt-and-get-cash-back-with-these-6-services?ref=seealso">Pay Down Debt and Get Cash Back With These 6 Services</a>)</p> <p>On the flip side, you could also work on not creating any <em>new </em>debt this year. Live within your means, skip tempting store card incentives, leave the credit cards at home, or save up for what you want and enjoy delaying gratification. It'll all be worth it when you look back at 2016 and bask in your smart spending.</p> <h2>5. Grocery Savings Challenge</h2> <p>Food is the big budget-suck in our home. Between regular grocery runs, takeout, and other edible incidentals, we spend a wad on what we eat. Check out this <a href="http://www.thekitchn.com/can-a-pantry-challenge-really-save-you-money-223065">Pantry Challenge</a> at The Kitchn. You'll dig deep into the cupboards and freezer drawers to use up what's hiding back there. Try this challenge for a week or a month, and repeat as often as you like. You can surely save hundreds this way over time and get better satisfaction that you're not letting anything spoil.</p> <p>Getting into the habit of regular meal planning helps lower your grocery bill as well. First, you'll know exactly what to buy at the store &mdash; nothing more. Second, you'll waste less food because everything has a plan. Start by finding some easy recipes you love, write out all the ingredients on your list (and try to get some to overlap from meal to meal), then stick to the plan. (See also: <a href="http://www.wisebread.com/how-to-eat-well-on-just-20-a-week-with-meal-plans?ref=seealso">Eat Well on Just $20 a Week</a>)</p> <h2>6. Create Your Own Challenge</h2> <p>Maybe you don't see your own spending vice on this list. That's okay. You can make your own challenge. Try setting and adhering to a budget if you haven't already. Get rid of cable and challenge yourself to free entertainment this year. Stop going out to eat or quit the gym and workout at home for free. There are so many ways you can save, so take some time to brainstorm a list, make a plan, and then get going.</p> <p><em>What are your money-saving goals for 2016?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Ftry-these-6-money-saving-challenges-now&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FTry%2520These%25206%2520Money-Saving%2520Challenges%2520Now.jpg&amp;description=Try%20These%206%20Money-Saving%20Challenges%20Now"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Try%20These%206%20Money-Saving%20Challenges%20Now.jpg" alt="Try These 6 Money-Saving Challenges Now" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/try-these-6-money-saving-challenges-now">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/stop-making-these-7-basic-budget-mistakes">Stop Making These 7 Basic Budget Mistakes</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/4-psychological-traps-preventing-you-from-saving-and-how-to-fix-them">4 Psychological Traps Preventing You From Saving — And How to Fix Them</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-day-debt-reduction-plan-dont-ever-stop">5-Day Debt Reduction Plan: Don&#039;t Ever Stop</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-live-on-12-000-a-year">How to live on $12,000 a year</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-tricks-to-beating-budget-burnout">5 Tricks to Beating Budget Burnout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Debt Management money goals new year's resolutions saving money savings goals Mon, 18 Jan 2016 10:00:07 +0000 Ashley Marcin 1637556 at http://www.wisebread.com Ask the Readers: What Are Your New Year's Resolutions for 2016? http://www.wisebread.com/ask-the-readers-what-are-your-new-years-resolutions-for-2016 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-are-your-new-years-resolutions-for-2016" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_new_years_000078421819.jpg" alt="Woman making New Year&#039;s resolutions for 2016" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-what-are-your-new-years-resolutions-for-2016#comment-787356">Happy Love</a>, Ernest, and Michelle for winning this week's contest!</em></p> <p>It's 2016! For many people, a new year signals a fresh start. It's a time when motivation is high and New Year's resolutions abound!</p> <p><strong>What are your New Year's resolutions for 2016?</strong> Do you have a game plan for making sure your resolutions don't lose steam? What is it?</p> <p>Tell us about your New Year's resolutions for 2016 and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For Extra Entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a id="rcwidget_nz04ny3t" data-template="" data-theme="classic" data-raflid="79857dfa225" rel="nofollow" href="http://www.rafflecopter.com/rafl/display/79857dfa225/" class="rcptr">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <p>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, January 11th at 11:59 p.m. Pacific. Winners will be announced after January 11th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.<br /> &nbsp;</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong>&nbsp;</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about your New Year&#039;s resolutions for 2016 and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <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/ask-the-readers-what-are-your-new-years-resolutions-for-2016">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</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/ask-the-readers-trash-or-cash-chance-to-win-20">Ask the Readers: Trash or Cash? (Chance to Win $20!)</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/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</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/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</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/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers new year's resolutions Tue, 05 Jan 2016 16:00:04 +0000 Ashley Jacobs 1630228 at http://www.wisebread.com Best Money Tips: Small New Year’s Resolutions for Your Money http://www.wisebread.com/best-money-tips-small-new-year-s-resolutions-for-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-small-new-year-s-resolutions-for-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/money_new_year_000027067626.jpg" alt="Making small new year&#039;s resolutions for your money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found small New Year&rsquo;s resolutions for your money, cheap ways to make your life happier, and overpriced grocery items to skip.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.cultofmoney.com/2015/12/30/30-small-new-years-resolutions-for-your-money/">30 Small New Year&rsquo;s Resolutions for Your Money</a> &mdash; Need some inspiration on small ways to improve your finances next year? Check out these highly achievable resolutions! [Cult of Money]</p> <p><a href="http://www.dontpayfull.com/blog/cheap-ideas-to-make-your-life-happier">10 Great and Cheap Ideas to Make Your Life Happier</a> &mdash; Have more human connection. Meet a friend for coffee, spend time with your parents, or simply say good morning to someone on the bus. [Don't Pay Full]</p> <p><a href="http://www.popsugar.com/smart-living/Overpriced-Grocery-Items-19150854">8 Overpriced Grocery Items to Skip</a> &mdash; Name brand spices are marked up almost 97%! If you can, buy your spices at a natural food store, or at drugstores or discount stores. [PopSugar Smart Living]</p> <p><a href="http://gretchenrubin.com/happiness_project/2015/12/7-tips-for-helping-someone-else-to-change-a-habit/">7 Tips for Helping Someone Else to Change a Habit</a> &mdash; You can help make the habit a little more convenient for the other person. They're more likely to keep it up if it's quicker and easier to do. [Gretchen Rubin]</p> <p><a href="http://www.morewithlesstoday.com/saving-money-at-the-movies-15-ways-to-get-discounts-on-movie-tickets/">Saving Money at the Movies: 15 Ways to Get Discounts on Movie Tickets</a> &mdash; Many theaters offer early bird discounts for the first matinee show of the day. [More With Less Today]</p> <h2>Other Essential Reading</h2> <p><a href="http://sustainablog.org/2015/12/green-giving-4-new-uses-old-wrapping-paper/">Green Giving: 4 New Uses For Old Wrapping Paper</a> &mdash; Use old wrapping paper to dress up scrapbooks! [Sustainablog]</p> <p><a href="http://www.getrichslowly.org/blog/2015/12/30/how-to-handle-financial-disappointments/">How to handle financial disappointments</a> &mdash; Disappointment is a complex emotion. To help you move on from it, try to figure out what exactly caused the disappointment. [Get Rich Slowly]</p> <p><a href="http://moneyning.com/kids-and-money/stopping-self-entitlement-in-kids-and-teens/">Stopping Self-Entitlement in Kids and Teens</a> &mdash; There's a time when parents will need to step away from protecting their children from everything. [MoneyNing]</p> <p><a href="http://couplemoney.com/retirement/keeping-tabs-on-our-retirement-accounts/">Keeping Tabs on Retirement (without Stressing Out!)</a> &ndash; Financial services provided by companies like Vanguard and Betterment allow you to put your retirement account on autopilot. [Couple Money]</p> <p><a href="http://parentingsquad.com/how-to-put-down-the-phone-and-focus-more-on-your-kids">How to Put Down the Phone And Focus More On Your Kids</a> &mdash; Remind yourself that most messages are not that important. 99% can wait half an hour for you to respond. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-small-new-year-s-resolutions-for-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-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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/diagnose-and-improve-your-financial-health-a-10-item-checklist">Diagnose and Improve Your Financial Health: A 10-Item Checklist</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/best-of-personal-finance-41-financial-calculators-for-major-life-decisions">Best Money Tip: 41 Financial Calculators for Major Life Decisions</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/whats-better-less-debt-or-more-savings">What&#039;s Better: Less Debt or More Savings?</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-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips new year's resolutions Thu, 31 Dec 2015 20:00:04 +0000 Amy Lu 1630226 at http://www.wisebread.com Best Money Tips: Doable Financial New Year's Resolutions http://www.wisebread.com/best-money-tips-doable-financial-new-years-resolutions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-doable-financial-new-years-resolutions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash-187038903.jpg" alt="cash" title="cash" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on doable financial New Year&#39;s resolutions, uses for dead gift cards, and financial figures you need to know.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.creditsesame.com/blog/10-doable-financial-new-years-resolutions/">10 Doable Financial New Year&#39;s Resolutions</a> &mdash; Make one of your New Year&#39;s resolutions to make on-time bill payments. [Credit Sesame]</p> <p><a href="http://www.moneytalksnews.com/2013/12/19/22-uses-for-a-dead-gift-card/">22 Uses for Dead Gift Cards</a> &mdash; Not sure what to do with your dead gift cards? Use them to remove gum from the floor or clear off frosty windshields. [Money Talks News]</p> <p><a href="http://www.freemoneyfinance.com/2013/12/five-financial-figures-you-need-to-know.html" style="color: rgb(7, 130, 193); ">Five Financial Figures You Need to Know</a> &mdash; It is important for you to know your net worth and tax rate. [Free Money Finance]</p> <p><a href="http://kiplinger.com/article/spending/T050-C011-S001-retailers-with-stingy-return-policies.htmlhttp://www.creditsesame.com/blog/10-doable-financial-new-years-resolutions/">Retailers With Stingy Return Policies</a> &mdash; Did you know Best Buy and Gilt have stingy return policies? [Kiplinger]</p> <p><a href="http://thirtysixmonths.com/trying-to-save-money-5-ways-to-still-have-fun-at-the-weekends/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+Thirtysixmonthscom+%28thirtysixmonths.com%2Fblog%29" style="color: rgb(7, 130, 193); ">Trying to Save Money? 5 Ways to Still Have Fun at the Weekends</a> &mdash; You can still have fun while saving money during the weekends by having a movie night. [Thirty Six Months]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialhighway.com/grocery-store-products-make-holidays-easier/" style="color: rgb(7, 130, 193); ">Grocery Store Products that Make the Holidays Easier</a> &mdash; Boxed wine and canned toppings can help make your holidays easier. [Financial Highway]</p> <p><a href="http://Trying to Save Money? 5 Ways to Still Have Fun at the Weekends — You can still have fun while saving money during the weekends by having a movie night. [Thirty Six Months]">5 steps to punch a denied health insurance claim in the face</a> &mdash; If your health insurance claim was denied, apply for a formal appeal. [Bargaineering]</p> <p><a href="http://creativemoney.biz/2013/12/10/give-raise/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+CreativeMoneyBlog+%28Creative+Money+Blog%29">How to give yourself a raise</a> &mdash; To give yourself a raise, take the time to update your resume and think about your work passion. [Creative Money]</p> <p><a href="http://www.savvysugar.com/DIY-Christmas-Ornaments-26255266">34 Creative DIY Christmas Ornaments</a> &mdash; Need a few more ornaments for your tree? Try making some of these awesome ornaments! [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-christmas-eve-traditions-for-young-families">6 Christmas Eve Traditions for Young Families</a> &mdash; Young families should think about starting the tradition of giving new books to the kids on Christmas Eve. [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-doable-financial-new-years-resolutions">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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-money-moves-to-make-in-the-new-year">8 Smart Money Moves to Make in the New Year</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance best money tips New Year new year's resolutions resolutions Mon, 23 Dec 2013 11:00:56 +0000 Ashley Jacobs 1101539 at http://www.wisebread.com Fight the Post-Holiday Blues: 20 Cheap Ways to Make January Special http://www.wisebread.com/fight-the-post-holiday-blues-20-cheap-ways-to-make-january-special <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/fight-the-post-holiday-blues-20-cheap-ways-to-make-january-special" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5326400672_50b7ba2f35_z.jpg" alt="paper snowflakes" title="paper snowflakes" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>January can be a tough month &mdash; the post-holiday blues and dreary weather can be enough to make anyone feel a little down. Combine this with failed New Year's resolutions and a long month, and you've got a case of the winter doldrums. (See also: <a href="http://www.wisebread.com/4-tips-for-making-resolutions-stick-in-the-new-year">4 Tips for Making Resolutions Stick in the New Year</a>)</p> <p>But don't give in to the Holiday Hangover. Here are 20 ways to make January feel a bit more special.</p> <h2>1. Change Your Diet</h2> <p>Always felt that eating animal products wasn't right but weren't sure if you had what it took to become a vegetarian? Or maybe you've been keen on the Atkins diet but didn't think you could make a long-term commitment. You don't have to &mdash; just set aside the month of January to try a new diet. It doesn't have to be drastic. You can try a quick and easy detox. It's only a month, after all.</p> <h2>2. Volunteer</h2> <p>Find a cause and volunteer for one month. You might find that you like it so much that you don't want to stop when January's up.&nbsp;</p> <h2>3. Decorate for January</h2> <p>It can be kind of depressing, taking down all of the lights and chipping the Christmas tree. Well, why not decorate the house for January? Create paper snowflakes and string them around the living room. Or get a headstart on Valentines Day, and start decking out your home in hearts.</p> <h2>4. Start a Journal</h2> <p>Keeping a diary is a good way to jog your memory, but it can be tough to keep up every single day. Try doing it for the month of January &mdash; knowing that you have a quitting date can make the task seem easier.</p> <h2>5. Spring Clean (a Few Months Early)</h2> <p>Get started on <a href="http://www.wisebread.com/your-one-month-guide-to-spring-cleaning">spring cleaning</a> before spring is here &mdash; and make a big donation to Goodwill, The Salvation Army, or your favorite secondhand store, or sell excess stuff online. If you really pare down your belongings, you can start out the year fresh and uncluttered.</p> <h2>6. Get a Makeover</h2> <p>Not a big one &mdash; but little changes to your appearance can make you feel better. Get a fresh haircut, try a new hair color, or test out some new drugstore cosmetics.</p> <h2>7. Go on a Date Once a Week</h2> <p>Whether you're single or not, date nights are great. Going out every night is pricey, so pick one night per week to go out for some frugal fun. Whether you grab a burger or just go stare at the stars, spending time with your partner, spouse, or a new love interest is a good way to build a solid relationship.</p> <h2>8. Get in Touch With Long-Lost Friend</h2> <p>You've always wondered what happened to Becky from first grade &mdash; so try to find her.</p> <h2>9. Write Letters</h2> <p>When was the last time your wrote a proper letter to your grandmother? Some grannies are on email, but others don't know how to operate a computer. Regardless, real letters aren't often sent anymore and are appreciated. Take some photos, write about your life, and ask lots of questions. Write one letter per week, and take your time.</p> <h2>10. Chronicle Your Past Year</h2> <p>How did the last year go for you? Sit down for five minutes every morning and look back on emails that you sent over the past year. Note major achievements and mistakes. Don't dwell on problems, but think of ways to avoid them in the future.</p> <h2>11. Stay in and Watch a Movie Every Night</h2> <p>Dig into your movie collection or hit your local library and check out movies that you've always wanted to watch but never got around to seeing. Going out is fun, but staying in is affordable (and if you live in a cold climate like I do, it's preferable). If you're not a big movie buff, you can do the same with books (although perhaps at a slower pace).</p> <h2>12. Start a Workout (That You Enjoy)</h2> <p>Exercising can sometimes be a drag, which is why it's better to find a workout routine that you can look forward to. If you played basketball or tennis in high school, look into joining a local league or playing at your gym. Try kayaking or rock climbing, or take tai chi at a community center.</p> <h2>13. Get Your Taxes Done Early</h2> <p>OK, this might not be FUN <em>per se</em>, but it's a real load off of your chest if you have all of your taxes in order before January is done. Set all of the appropriate paperwork in one central location so you won't lose sight of it, and once you have everything, either prepare your taxes online or have them done by a professional. You'll feel awfully smug in April when everyone else is scrambling to get their taxes finished and filed.</p> <h2>14. Audit Your Finances</h2> <p>Performing a financial audit of your expenses is a good way to face up to holiday spending, as well as set your financial behavior for the year. Find out how much you owe (if anything) or how much money you should be saving, and make the requisite changes to pay down credit cards or set aside part of your salary for retirement. While the idea of taking a hard look at your financial habits can be daunting, it's also a relief once you finally know what kind of monetary challenges you face.</p> <h2>15. Thank Someone for Something Every Day</h2> <p>There's a Facebook tradition in November in which people post a daily status that indicates thankfulness for something &mdash; friends, family, coworkers, and more. Do the same in January &mdash; if you're not on Facebook, email or write to people who you are thankful for and let them know why. This little exercise reminds us of all that we have to be thankful for, and it reminds other people why they are important.</p> <h2>16. Perform Random Acts of Kindness</h2> <p>I have a weekly habit of <a href="http://www.wisebread.com/25-frugal-ways-to-pay-it-forward">paying for the person behind me</a> at the Starbucks drive-thru. The first time someone paid for my coffee, I nearly cried with gratitude (I was having a really bad day). It's a fun way to be anonymously kind, and doesn't cost much more than what I normally spend (usually less than $3 extra per week).</p> <h2>17. Start Growing Things</h2> <p>From window herb gardens to paperwhites, growing stuff indoors is easy and brightens up a room. Or start ordering your seeds for your outdoor garden.</p> <h2>18. Indulge Yourself a Little</h2> <p>You don't have to sacrifice something in order to start off the year. Go ahead and indulge in something &mdash; a piece of chocolate with your morning coffee, a glass of (not terribly expensive) wine with dinner every night. Take a long hot bath with bubbles.</p> <h2>19. Take a Break From the Internet</h2> <p>Sometimes, a vacation from our plugged in lives can be good. Take a break from Facebook and the Internet (except where it is absolutely necessary), and even email, if you can handle it. Just be sure to let people know that you will be unavailable on social media, and enjoy a vacation from your screen.</p> <h2>20. Organize Some Parties</h2> <p><a href="http://www.wisebread.com/5-potluck-parties-that-help-you-share-the-wealth">Potlucks and soup swaps</a> are popular these days, and why not enjoy the same kind of familial camaraderie that you had during the holidays? Get friends an family together a few times during January for some home-cooked meals and conversation.</p> <p><em>How are you working through the post-holiday blues? Do you have traditions in your house to make January feel less boring?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/fight-the-post-holiday-blues-20-cheap-ways-to-make-january-special">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/23-frugal-living-resolutions-anyone-can-master">23 Frugal Living Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-frugal-winter-activities-to-keep-kids-busy-during-holiday-break">9 Frugal Winter Activities to Keep Kids Busy During Holiday Break</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/flashback-friday-87-frugal-ways-to-make-winter-less-miserable">Flashback Friday: 87 Frugal Ways to Make Winter Less Miserable</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-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-51-ways-to-organize-your-whole-life-in-2017">Flashback Friday: 51 Ways to Organize Your Whole Life in 2017</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living cheer up frugal fun january new year's resolutions Tue, 08 Jan 2013 11:00:31 +0000 Andrea Karim 961759 at http://www.wisebread.com An Organized Year: A Month-by-Month Guide http://www.wisebread.com/an-organized-year-a-month-by-month-guide <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/an-organized-year-a-month-by-month-guide" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/monthly calendar istock.jpg" alt="Marking dates on a calendar." title="Marking dates on a calendar." class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Do you find yourself scrambling from one thing to the next all year, procrastinating until the last minute and running out of time? Get your act together and organize the tasks that you do every year into a month-by-month schedule. If you have a plan of action, you will be less likely to put things off or forget them, which means less stress and more success! (See also: <a href="http://www.wisebread.com/25-easy-organizing-changes-you-can-make-today">25 Easy Organizing Changes You&nbsp;Can Make Today</a>)</p> <h2>January</h2> <p><b>Resolve Resolutions</b></p> <p>Did you make a New Year&rsquo;s resolution? Now is the time to get the goal &ldquo;booked&rdquo; on your calendar. Break the overall goal up into smaller, more manageable pieces and schedule a date for completion of each piece of your resolution on your calendar throughout the year. Seeing it on the calendar that way should help you become one of the few people who do not abandon their resolution by February!</p> <p><b>Declutter Your Decorations</b></p> <p>As you are packing up your holiday decorations, make sure you throw away anything that is broken, missing pieces, or no longer your style. There is no point in storing and holding on to anything you know you will not use again.</p> <p><b>Tackle Tax Time Early</b></p> <p>Now that the previous year has come to an end, it&rsquo;s a good time to start preparing to file your income taxes. Hopefully you have kept up with your paperwork and all receipts and statements are filed neatly and orderly &mdash; but if not, don&rsquo;t wait until April to start the process. If you are going to use a tax preparer to file your income taxes, you might want to start looking for an accountant now as they will start getting booked very quickly.</p> <h2>February</h2> <p><b>Get Ready for the Holidays</b></p> <p>The holiday season is safely behind us at this point, but now is the ideal time to start preparing for next year&rsquo;s holiday shopping. Take a look at what you spent over the holidays in the previous year and work out a monthly budget. If you spent $1,000, plan on saving about $100 a month over the next 10 months. By the time the holiday shopping season rolls around, you will have the cash on-hand, and you won&rsquo;t need to rely on credit cards to make it through the season!</p> <p><b>Review Insurance Policies</b></p> <p>Take a close look at your <a href="http://www.wisebread.com/things-to-insure-things-not-to-insure" target="_blank">insurance policies</a> and health records. Now is a good time to get them organized and make sure you have all of the insurance you need and get rid of any policies you don&rsquo;t need. It&rsquo;s also a good idea to make a few phone calls or check online to make sure you are getting the best rates.</p> <h2>March</h2> <p><b>Change Smoke Detector Batteries</b></p> <p>As a good way to remember to do this task, you should replace batteries in your home&rsquo;s smoke and carbon monoxide detectors when you change your clocks for Daylight Savings Time.</p> <p><b>Get Up-to-Date on Car Maintenance</b></p> <p>Take a look at your vehicle maintenance records. When was the last time you had the oil changed? What about the brakes, windshield wipers, or other maintenance needs? Schedule service appointments as necessary to ensure your vehicle is running at its best.</p> <h2>April</h2> <p><b>Finish the Taxes You Started in January</b></p> <p>It is income tax month, so pull out everything you started organizing in January and get to work. If you file your own taxes, make sure you give yourself enough time to meet the deadline. If you use a tax preparer, check in with him or her to see how the progress is going and make sure they have everything they need to file your taxes.</p> <p><b>Inspect Your Home for Maintenance Needs</b></p> <p>Walk around the outside of your home and check for any areas that need maintenance, repair, or updating. Schedule a yard clean-up day, and start making plans for any landscaping you want to do this season.</p> <h2>May</h2> <p><b>Spring Cleaning</b></p> <p>For most of the country, May marks the beginning of warmer weather. It&rsquo;s a great time to start your <a href="http://www.wisebread.com/8-tasks-you-shouldnt-skip-during-spring-cleaning" target="_blank">spring cleaning</a> and home organizing. Clean all of the areas that tend to get neglected throughout the year. Make piles of items you no longer need &mdash; a pile to give away to charity, a pile for a yard sale, and a pile of items that need to be disposed of. Decluttering your home regularly will help keep it comfortable and maintained.</p> <h2>June</h2> <p><b>Turn Your Clutter Into Cash</b></p> <p>Get rid of the clutter you collected during spring cleaning with a yard sale or <a href="http://www.wisebread.com/how-to-have-a-successful-garage-sale" target="_blank">garage sale</a>, or by listing items online for sale. Most all homes have items they no longer need in them, taking up valuable space and making it harder to keep your home clean.</p> <p><b>Plan Your Fall or Winter Vacation</b></p> <p>Do you like to take a vacation and travel someplace warm during the winter months? Now is a good time to start planning and setting aside money for your trip. Don&rsquo;t wait until December to figure out where you will take your January or February vacation.</p> <h2>July</h2> <p><b>New Year's Resolution Reminder</b></p> <p>You&rsquo;ve just passed the half-way mark for the year, so it&rsquo;s a great time to review your resolution progress and evaluate how you are doing in relation to any goals you have set for yourself this year. Take a close look at your budget to make sure you are on track financially, reorganize yourself, and figure out what needs to change in order to achieve your goals this year. There is still time to turn things around if you have gone off track!</p> <h2>August</h2> <p><b>Get Ready for Back-to-School</b></p> <p>If you have school-aged children, the beginning of August is the prime time to start gathering their required school supplies and preparing for a new school year. You&rsquo;ll beat the rush of last minute back-to-school shoppers and still be able to take advantage of <a href="http://www.wisebread.com/5-simple-ways-to-get-big-back-to-school-savings" target="_blank">school supply sales</a>.</p> <h2>September</h2> <p><b>Inspect Your Furnace</b></p> <p>Has your furnace or heating source been maintained recently? Most companies recommend that your furnace or chimney be maintained at least once a year. Check to make sure your heat works now, before you need it, so when the temperatures drop you aren&rsquo;t scrambling around trying to get it fixed.</p> <p><b>Get Ready for Halloween</b></p> <p>Do you have children who celebrate Halloween? September is the ideal time to start thinking about their costumes, especially if you like to make your own.</p> <h2>October</h2> <p><b>Schedule Checkups</b></p> <p>Take a look at your schedule &mdash; when is the last time you and your family visited the dentist or doctor? If anyone is due for healthcare checkups, make sure you get the appointments scheduled. Preventative maintenance is always cheaper and easier to deal with than treating problems after they occur.</p> <p><b>Get Your Home Ready for Winter</b></p> <p>Start <a href="http://www.wisebread.com/how-to-winterize-your-home-for-maximum-savings">winterizing your home</a> in preparation for the coldest months of the year. Many winterizing tasks can help save money on your utility bills.</p> <h2>November</h2> <p><b>Start Thanksgiving Preparations Early</b></p> <p>As the month of November begins, start thinking about Thanksgiving. Will you host the family dinner? If so, begin meal planning and preparing your home as early as possible. Starting early gives you plenty of time to tackle everything a little at a time, rather than trying to do it all in the last few minutes. You will greatly reduce your stress level and help make the holidays more enjoyable.</p> <p><b>Plan Vacation Days for the Upcoming Holidays</b></p> <p>Do you like to take time off from work over the December holiday season? Take a look at your schedule and work-related tasks and see what you can start doing in advance in order to make taking time off easier. If you own your own business, you may be able to schedule some tasks in advance so they will happen automatically during the holidays, or take steps now to reduce your workload later.</p> <h2>December</h2> <p><b>Declutter Your Email Inbox</b></p> <p>Is your email inbox overflowing? Take some time to unsubscribe from all the various newsletters and subscriptions you somehow joined throughout the year. I like to do this by sorting my inbox by sender, so I can see a group of emails that come from the same sender all together in a list &mdash; it makes spotting the newsletters I never even open easier! Click on the unsubscribe links and then delete all of the unread or unneeded emails from your inbox in preparation for the New Year.</p> <p><b>Start Your NYE Planning Early</b></p> <p>Are you hosting a <a href="http://www.wisebread.com/how-to-host-a-new-years-eve-party-on-a-budget" target="_blank">New Year's Eve party</a>? Don't wait until the 30th to start planning! The earlier you plan, the easier it will be to have a fun party and stick to a budget.</p> <p>Take some time to reflect on the current year and think about anything you would like to change in the New Year. Make resolutions or goals for the upcoming year, and write them down.</p> <p><em>What do you have planned for the upcoming year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/debbie-dragon">Debbie Dragon</a> of <a href="http://www.wisebread.com/an-organized-year-a-month-by-month-guide">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/25-small-new-year-s-resolutions-you-can-start-today">25 Small New Year’s Resolutions You Can Start Today</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-good-habits-that-may-actually-be-hurting-you">6 &quot;Good&quot; Habits That May Actually Be Hurting You</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/a-denim-expert-reveals-why-you-only-need-3-pairs-of-jeans">A Denim Expert Reveals Why You Only Need 3 Pairs of Jeans</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/shhhhh-how-to-block-out-noise">Shhhhh: How to Block Out Noise</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-productivity-apps-for-really-busy-people-like-you">The 10 Best Productivity Apps for Really Busy People Like You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Organization Productivity living proactively new year's resolutions yearly planning Wed, 02 Jan 2013 11:24:29 +0000 Debbie Dragon 961641 at http://www.wisebread.com