habits http://www.wisebread.com/taxonomy/term/9880/all en-US 10 Reasons to Cut Millennials Some Slack About Their Money http://www.wisebread.com/10-reasons-to-cut-millennials-some-slack-about-their-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-reasons-to-cut-millennials-some-slack-about-their-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bad_news_headlines.jpg" alt="Bad news headlines" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Millennials are getting beat up these days for their money habits. According to observers, people between the ages of 18 and 34 are financially irresponsible &mdash; one CEO even suggested they are spending too much money on <a href="http://time.com/money/4778942/avocados-millennials-home-buying/" target="_blank">pricey avocados</a> when they should be saving for a home.</p> <p>But these reports are unfair. There's a lot of evidence to suggest that from a financial standpoint, millennials may be facing unique challenges that older generations simply didn't deal with. (See also: <a href="http://www.wisebread.com/7-ways-millennials-are-better-with-money-than-you-are?ref=seealso" target="_blank">7 Ways Millennials Are Better With Money Than You Are</a>)</p> <p>Should we take it easy on millennials when it comes to their money habits? Perhaps, and here's why.</p> <h2>1. College is really expensive</h2> <p>We encourage young people to attend college, but according to Student Loan Hero, the average member of the class of 2016 graduated with more than $37,000 in student loan debt. Borrowers between the age of 20 and 30 spend an average of more than $350 a month to pay off these loans.</p> <p>This student debt is largely the result of rising college costs: Public school costs have risen 9 percent over the last four years, and private universities have risen 13 percent. A student attending a four-year private school now pays an average of $45,000 each year. While it's true that young adults should be aware of the cost of college when deciding if and where to attend, it's also clear that many are now handcuffed by their student loan burdens. (See also: <a href="http://www.wisebread.com/7-unique-ways-millennials-are-dealing-with-student-loan-debt?ref=seealso" target="_blank">7 Unique Ways Millennials Are Dealing With Student Loan Debt</a>)</p> <h2>2. Wages haven't gone up</h2> <p>One of the biggest problems with the current economy is that it's been a long time since wages have gone up in real terms. In fact, there's evidence that wage growth has basically been stagnant since the 1970s, and any wage growth at all has been concentrated to the top earners.</p> <p>Anyone without a college degree has seen their wages decline, on average, in the last decade. It's easy to accuse millennials of making bad financial choices, but there's very little evidence they are rolling in the dough to begin with.</p> <h2>3. Housing is really costly</h2> <p>In many parts of the country &mdash; especially those with good job opportunities for millennials &mdash; it's nearly impossible to find an affordable house or apartment. A recent survey of 24,000 renters by ApartmentList.com found that millennials would have to wait more than a decade to save enough for a 20 percent down payment on a home in many markets. In some cities, including San Francisco and Austin, the wait is as much as 19 years.</p> <p>There are simply not enough affordable, entry-level homes available for millennials to buy, and with interest rates rising, the problem is only going to get worse.</p> <h2>4. Saving for retirement is mostly on them</h2> <p>If you're a baby boomer or even a GenXer, you might have worked for a company that offered generous pensions to its employees. For much of the 20th century, workers could find decent jobs at big companies and know they'd be getting a monthly check even after retirement.</p> <p>Nowadays, it's up to the individual to save for retirement, using a 401(k) plan (if they have access to one) or individual retirement accounts (IRAs). No doubt, you can generate a lot of wealth this way over time, but most of the savings will have to come from the worker, not the employer. And for many young people, setting money aside for retirement is an afterthought if they are also facing student loan debt and other expenses. (See also: <a href="http://www.wisebread.com/4-things-millennials-should-do-today-to-prepare-for-retirement?ref=seealso" target="_blank">4 Things Millennials Should Do Today to Prepare for Retirement</a>)</p> <h2>5. They've lived through several market crashes</h2> <p>For millennials, the stock market and economy have done quite well during their time on Earth, but there were several big events that may have left them wary about investing.</p> <p>The stock market endured three straight years of bad losses from 2000 to 2002, due to the dot com bubble bursting and the terrorist attacks of September 11. The markets tumbled dramatically again in 2008 after the financial crisis. These events may have taken place during a millennials' formative years, and the headlines may have clouded their belief in the power of investing. (See also: <a href="http://www.wisebread.com/7-reasons-millennials-should-stop-being-afraid-of-the-stock-market?ref=seealso" target="_blank">7 Reasons Millennials Should Stop Being Afraid of the Stock Market</a>)</p> <h2>6. Many don't use credit cards at all</h2> <p>We often assume that millennials have a ton of credit cards. But according to one survey, millennials have fewer cards than most Americans. BankRate.com reported last year that only one-third of people under the age of 30 have a credit card. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-millennials?ref=seealso" target="_blank">Best Credit Cards for Millennials</a>)</p> <h2>7. Everybody is marketing to them</h2> <p>It's easy to say that millennials should be more frugal, but that's easier said than done when America's marketing dollars are bombarding that exact generation. Ask any advertiser what their coveted demographic is, and they'll likely tell you they deliberately target people between the ages of 18 and 34.</p> <p>On one hand, we want young people to be responsible with their money. On the other, we know that consumer spending by that same group is often a big driver of the American economy.</p> <h2>8. They are more generous than you think</h2> <p>It may be frustrating to see millennials with poor personal finance skills. But while they may not necessarily be smart with money, they are not as selfish as you might believe.</p> <p>Millennials basically invented the concept of crowdfunding, which has led to sites such as GoFundMe and others that have supported nonprofits. One survey from 2014 noted that 84 percent of millennials donated to a charity that year, and that they are more likely to give on their own accord rather than from a top-down, corporate-driven approach.</p> <h2>9. They grew up in a fairly prosperous era</h2> <p>People who grew up during the Great Depression learned the hard way about living frugally and making every penny stretch. Those who grew up during World War II remember making severe sacrifices. Even baby boomers remember the gas shortages and economic stagnancy of the 1970s.</p> <p>By contrast, millennials have grown up in a time of relative prosperity. Millennials have never been forced to learn how to save and invest as a matter of survival. Is it their fault that they grew up in relative comfort compared to older generations?</p> <h2>10. Luxury items are practically necessities</h2> <p>Older people like to accuse younger generations of spending money needlessly, but think of the expenses they have that did not exist even 20 years ago. Cellphones? Tough to get by without one these days. High-speed internet service? Yeah, that's almost as important as electricity. Millennials have considerable expenses each month that were once considered luxury items, but are now considered vital.</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%2F10-reasons-to-cut-millennials-some-slack-about-their-money&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Reasons%2520to%2520Cut%2520Millennials%2520Some%2520Slack%2520About%2520Their%2520Money.jpg&amp;description=10%20Reasons%20to%20Cut%20Millennials%20Some%20Slack%20About%20Their%20Money"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Reasons%20to%20Cut%20Millennials%20Some%20Slack%20About%20Their%20Money.jpg" alt="10 Reasons to Cut Millennials Some Slack About Their Money" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-reasons-to-cut-millennials-some-slack-about-their-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-financial-differences-between-millennials-and-the-next-generation">7 Financial Differences Between Millennials and the Next Generation</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-to-make-the-moment-you-get-a-promotion">8 Money Moves to Make the Moment You Get a Promotion</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-emotions-costing-you-money-take-this-quiz">Are Your Emotions Costing You Money? Take This Quiz</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master">6 Ways Meditation Can Make You a Money Master</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance baby boomer future generation x generations habits investing millennials retirement saving spending young adults Fri, 30 Jun 2017 08:00:08 +0000 Tim Lemke 1970114 at http://www.wisebread.com Best Money Tips: Transform Your Finances With These Simple Habits http://www.wisebread.com/best-money-tips-transform-your-finances-with-these-simple-habits <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-transform-your-finances-with-these-simple-habits" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_thinking_money_597961004.jpg" alt="Man transforming his finances with simple habits" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on simple habits that will transform your finances, kitchen cleaning DIYs, and cheap ways to make your house seem fancier.</p> <h2>Top 5 Articles</h2> <p><a href="https://adebtfreestressfreelife.com/transform-your-finances/">6 Simple Habits That Will Transform Your Finances</a> &mdash; Check your bank account daily to avoid being blindsided by overdrafts, fees and other issues. [A Debt Free Mess Free Life]</p> <p><a href="https://www.popsugar.com/smart-living/Kitchen-Cleaning-DIYs-40671966">18 Kitchen Cleaning DIYs</a> &mdash; Replace single-use Swiffer wipes with reusable floor wipes that you can make at home. [PopSugar Smart Living]</p> <p><a href="http://www.frugalvillage.com/2017/06/12/6-cheap-ways-to-make-your-house-seem-fancier/">6 Cheap Ways to Make Your House Seem Fancier</a> &mdash; Spruce up an old sofa or chair with fresh new couch covers. Toss in a few throw pillows for pops of color. [Frugal Village]</p> <p><a href="https://blog.allstate.com/4-tips-renters-beat-summer-heat/">Stay Cool: 4 Tips to Help Renters Beat the Heat This Summer</a> &mdash; Wear a cooling scarf if you need some extra relief from the heat. It works on pets, too, and you can make your own! [The Allstate Blog]</p> <p><a href="http://fortunateinvestor.com/things-not-pay-debt-buy/">13 Things You Shouldn&rsquo;t Use Debt to Buy</a> &mdash; The value of electronics depreciates insanely fast. Don't go into debt to pay for the latest gadget. [The Fortunate Investor]</p> <h2>Other Essential Reading</h2> <p><a href="https://due.com/blog/questions-every-small-business-owner-should-ask/">4 Legal Questions Every Small Business Owner Should Ask</a> &mdash; Make sure your small business starts off on the right (legal) foot by asking these four questions. [Due]</p> <p><a href="https://canadianfinanceblog.com/how-to-develop-better-money-habits/">How You Can Develop Better Money Habits</a> &mdash; Don't try to do a complete overhaul all at once. Figure out what is the most important financial change you can make and work on that, first. [Canadian Finance Blog]</p> <p><a href="https://timemanagementninja.com/2017/06/5-reasons-why-proactivity-is-key-to-productivity/">5 Reasons Why Proactivity is Key to Productivity</a> &mdash; You aren't doing your own work if you're simply waiting for work to come to you. [Time Management Ninja]</p> <p><a href="http://sweethometimes.com/home-safe-children-elderly/">Is Your Home Safe for Children and Elderly?</a> &mdash; Children learn quickly and will eventually figure out how to undo a latch, a gate, or a plug. Instead of spending a fortune to babyproof your home, teach your children where they can and can't go, and why. [Sweet Home Times]</p> <p><a href="http://www.csmonitor.com/Environment/2017/0609/In-Zimbabwe-benefits-of-forgotten-farming-method-realized-during-drought">In Zimbabwe, benefits of forgotten farming method realized during drought</a> &mdash; Traditional farming methods are proving to be more productive and cost-effective in Zimbabwe, a country with strong and frequent droughts. [The Christian Science Monitor]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-transform-your-finances-with-these-simple-habits">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/why-you-need-to-make-financial-habits-not-goals">Why You Need to Make Financial Habits, Not Goals</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-commandments-of-reaching-financial-freedom">The 10 Commandments of Reaching Financial Freedom</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/car-sharing-why-own-when-you-can-just-share">Car Sharing: Why Own When You Can Just Share?</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-baking-soda-took-my-bathroom-from-yuck-to-yes">How Baking Soda Took My Bathroom from “Yuck” to Yes!</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/our-high-high-standard-of-living-1">Our high, high standard of living</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips habits Wed, 14 Jun 2017 08:31:08 +0000 Amy Lu 1965875 at http://www.wisebread.com 5 Bedtime Routines of Famous Financial Gurus http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-bedtime-routines-of-famous-financial-gurus" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_young_woman_at_home.jpg" alt="Beautiful young woman at home reading book" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're Joe Schmo or Bill Gates, there are just 24 hours in a day. Of course, not everybody spends them in the same way. Let's face it: Some people are better at managing time than others. And in a world where time equals money, it's often those with the best time management skills who are raking in the dough.</p> <p>It's not just how we spend our waking hours that counts &mdash; our habits pertaining to slumber also affect our income, stamina, success, and productivity.</p> <p>Read on for our roundup of evening rituals of these famously successful people. Because who wouldn't want to sleep like the fabulously wealthy?</p> <h2>1. Read a book</h2> <p>Bill Gates, who reads around 50 books per year, reserves the last waking hour of his day for reading. Yes, even on the stressful, exhausting days, Gates always makes time before bed for a good book.</p> <p>If you're wondering why someone like Gates has made this a priority, wonder no more: Not only does reading fuel creativity, it also helps a person de-stress while introducing new perspectives and expanding their knowledge. Hard up for something fresh to read? Here's <a href="http://time.com/4686426/bill-gates-book-recommendations/" target="_blank">every book recommendation</a> that Gates, the richest man in the world, has ever shared publicly.</p> <h2>2. Unplug the phone</h2> <p>On the brink of slumber, Facebook COO Sheryl Sandberg checks her email one last time. Then she turns off her cellphone, signaling an end to the day. Unplugging this way can be &quot;painful,&quot; Sandberg has admitted, but she conceded that she has found it to be the key to a good night's sleep. If the phone is on, she's said she is much more likely to be disturbed during the night.</p> <p>This is a smart habit to take up for yourself. Not only can waking up to check your phone in the middle of the night reduce the quality of your sleep, it can also cause anxiety, according to researchers at California State University.</p> <h2>3. Track your sleep</h2> <p>In complete contradiction to Sandberg's routine, business magnate Elon Musk uses his cellphone to track his sleep. His nightly sleep count averages about six hours, he admitted in a 2015 Reddit AMA. In preparation for this shut-eye, Musk, an avid consumer of coffee and Diet Coke, cuts himself off from caffeine six hours before bedtime.</p> <p>There are a number of smartphone apps that can help you track and understand your sleep cycles. Experts recommend seven to eight hours for most adults, though the true number is individualistic and likely depends on genetics. Getting enough sleep is critical to a satisfying social life and a high performance career. Here are a few top-rated sleep app options: <a href="https://mysleepbot.com/" target="_blank">Sleepbot</a>, <a href="https://www.sleepcycle.com/" target="_blank">Sleep Cycle</a>, and <a href="http://24-7.motionx.com/" target="_blank">MotionX 24/7</a>.</p> <h2>4. Treat yourself to quiet time</h2> <p>Oprah Winfrey designates 20 minutes at the end of her day for <a href="http://www.oprah.com/health/Oprah-on-Stillness-and-Meditation-Oprah-Visits-Fairfield-Iowa#ixzz2XoJNWPAR" target="_blank">meditation and silent reflection</a>. By allowing herself a regularly scheduled window during which she can decompress, Winfrey says she has reaped more benefits than she ever imagined. &quot;The results have been awesome,&quot; she said. &quot;Better sleep. Improved relationships with spouses, children, coworkers &hellip; Greater productivity and creativity all around.&quot;</p> <p>We all know how to sit quietly, but meditation takes a little bit more know-how and guidance. That's where a meditation aid can be helpful. Try the smartphone apps <a href="https://www.sattva.life/apps" target="_blank">Sattva</a> or <a href="http://buddhify.com/" target="_blank">Buddhify</a>. You can also find guided meditations on YouTube.</p> <h2>5. Skip the wine &mdash; soak in the tub</h2> <p>Entrepreneur Arianna Huffington's nighttime routine is ceremonious, and it comes in two stages. The first is simple: Skip the nightcap. Booze before bed can certainly help a person fall asleep, but the quality of that sleep will suffer. Instead, Huffington, who says she endeavors to clock seven or eight hours of shut-eye each night, indulges in a candlelit bath with piping hot water and Epsom salts. Then, after she gets under the covers, she takes a moment to count her blessings.</p> <p>&quot;I pause to think about the things that I'm grateful for in that moment,&quot; she wrote for The Telegraph. &quot;That way my blessings, not my worries, get the closing scene of the night.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</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-wise-tips-famous-ceos-would-give-their-younger-selves">8 Wise Tips Famous CEOs Would Give Their Younger Selves</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</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-things-you-can-do-in-denver-that-you-cant-do-anywhere-else">8 Things You Can Do in Denver That You Can&#039;t Do Anywhere Else</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-fun-and-cheap-things-to-do-during-the-weekday">8 Fun and Cheap Things to Do During the Weekday</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle bedtime business owners celebrities CEOs entrepreneurs famous habits routines sleep success Mon, 05 Jun 2017 08:00:09 +0000 Brittany Lyte 1955704 at http://www.wisebread.com 8 Reasons You're Still Stuck in a Financial Hole http://www.wisebread.com/8-reasons-youre-still-stuck-in-a-financial-hole <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-reasons-youre-still-stuck-in-a-financial-hole" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/frustrated_intern_working_on_line_at_office.jpg" alt="Frustrated intern working on line at office" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Being broke sucks. There are a million reasons why you might end up in a financial hole, and it always feels awful. The good news is you can often pull yourself out of these bad situations, especially if you make wise decisions with your money.</p> <p>On the other hand, there are also some really poor money decisions that can set you back even further. Avoid these bad calls when you're broke, and you'll stop digging yourself even deeper into debt.</p> <h2>1. Thinking nothing has to change</h2> <p>The minute you realize you're broke, your mindset has to change. How did you get here? What led to being broke? Think long and hard about these things, and understand that something has to give. Telling yourself you can continue your everyday spending habits as if nothing is wrong is only going to dig yourself deeper into a financial hole. And ignoring the problem altogether certainly won't help, either; it'll just make things much, much worse. As unpleasant as it might be to face reality and change the way you spend, it will be much more unpleasant to stay broke. (See also: <a href="http://www.wisebread.com/7-biggest-ways-procrastination-hurts-your-finances?ref=seealso" target="_blank">7 Biggest Ways Procrastination Hurts Your Finances</a>)</p> <h2>2. Emptying the emergency fund</h2> <p>Realizing you're broke can lead to feelings of panic &mdash; being broke is an emergency, right?! Hold on. The last thing you should be doing is raiding your emergency fund to pay everyday expenses, or to continue funding the frivolous spending that landed you here. The truth is, when you're broke, you need a sound emergency fund more than ever. What happens if you lose your job, or your hot water heater dies? Without that money put away, you'll have nothing to help you get by. So, leave your emergency fund right where it is and make other changes in your budget.</p> <h2>4. Taking out a loan</h2> <p>You don't need the financial burden of new debt when you're already broke. Assuming you get approved for a loan, there's no guarantee that you'll even be able to pay it back. That puts your credit score at risk of a critical hit, and can ruin your chances of getting approved for financing in the future.</p> <p>In the same vein, never fall for a payday loan, either. Predatory lenders often target people in times of financial trouble, and are experts at marketing an attractive offer that sounds like the answer to your money troubles. In reality, the obscene interest charges and terms and conditions will leave you way worse off. (See also: <a href="http://www.wisebread.com/how-to-protect-yourself-from-predatory-lending?ref=seealso" target="_blank">How to Protect Yourself From Predatory Lending</a>)</p> <h2>5. Getting buried in overdraft fees</h2> <p>When there's less money in your checking account than you're used to, take extra caution to avoid overdrawing. Overdraft fees can quickly multiply, shooting up to hundreds of dollars and putting you in an even worse financial situation. Your bank may be willing to waive some of the fees if you ask, but it's not a guarantee and certainly not a regular courtesy. If you're not sure how much money you have in your account, check it daily. With technology, there is no excuse. You can either log on to your bank's website every morning, or download your bank's app. (See also: <a href="http://www.wisebread.com/9-ways-to-avoid-overdraft-charges?ref=seealso" target="_blank">9 Ways to Avoid Overdraft Charges</a>)</p> <h2>6. Lying about your financial state</h2> <p>Don't lie to yourself and don't lie to other people. It's hard to admit when you're in a bad money spot. But the truth is that you <em>are</em> broke, and lying will only cause more problems. Take a deep breath and be honest. Politely turn down your friends' invites to go shopping or out to dinner, and explain that you simply don't have the cash right now. They won't hold it against you. You will respect yourself more for being straightforward, and you might even pave the way for someone else to feel comfortable admitting their hardships, too.</p> <h2>7. Gambling</h2> <p>It's easy to think that one big win could solve all of your financial difficulties. But the fact of the matter is that hitting the jackpot in a casino or by playing the lotto is unlikely &mdash; very unlikely. More often than not, people lose tons of money gambling, sometimes in the blink of an eye. This certainly won't make your money troubles any easier. Think of it this way: gambling is for people who can afford to lose money. You can't, so stay away.</p> <h2>8. Refusing to give up luxuries</h2> <p>Maybe you have a maid service clean your house once per week, or you like to have your car professionally detailed. Maybe you love grabbing takeout for lunch, or eating at that great Italian place for dinner every Friday night. Maybe you love your premium cable package, and all your fun monthly subscription boxes.</p> <p>Guess what? All of these luxuries cost money you don't have, and you can go without. Clean your home and car yourself. Clip coupons and use cash back apps at the grocery store, and meal prep all your food at home. Get rid of monthly subscriptions and memberships you aren't using, and think long and hard about cable &mdash; do you really need it?</p> <p>None of these have to be permanent changes. By giving yourself a financial buffer for even a few months, you'll get back on your feet much faster.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/8-reasons-youre-still-stuck-in-a-financial-hole">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/6-good-financial-deeds-that-can-backfire">6 Good Financial Deeds that Can Backfire</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-an-all-cash-diet-right-for-you">Is an All-Cash Diet Right for 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/its-time-to-drop-these-6-rules-of-money-etiquette">It&#039;s Time to Drop These 6 Rules of Money Etiquette</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/heres-how-too-many-decisions-costs-you-money">Here&#039;s How Too Many Decisions Costs You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/39-mindless-ways-youre-wasting-money-in-every-part-of-your-life">39 Mindless Ways You&#039;re Wasting Money in Every Part of Your Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting being broke daily expenses habits loans overdraft fees procrastination saving money Spending Money Thu, 25 May 2017 08:00:09 +0000 Sarah Winfrey 1953936 at http://www.wisebread.com Best Money Tips: 12 Habits That Turn Dreams Into Reality http://www.wisebread.com/best-money-tips-12-habits-that-turn-dreams-into-reality <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-12-habits-that-turn-dreams-into-reality" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_mountain_top_507869286.jpg" alt="Woman turning dreams into reality" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on habits that turn dreams into reality, ways to save money on auto maintenance, and 90 strategies to overcome shyness.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.positivityblog.com/how-to-take-action/">How to Take Action: 12 Habits that Turn Dreams into Reality</a> -- Partner up with someone who has similar goals so you can keep each other accountable. [The Positivity Blog]</p> <p><a href="http://shopperstrategy.com/2017/04/10/6-ways-to-save-money-on-auto-maintenance/">6 Ways to Save Money on Auto Maintenance</a> -- Take care of your car's basic needs. Preventative care is always less expensive than repairs at a shop. [Shopper Strategy]</p> <p><a href="http://www.lifeoptimizer.org/2017/04/12/how-to-overcome-shyness-strategies/">How to Overcome Shyness: 90 Remarkably Fresh Strategies</a> -- Your mind may start spinning anxious thoughts long before you enter a dreaded social situation. Disrupt the process by sharing your fears with someone or writing them down.&nbsp; [Life Optimizer]</p> <p><a href="https://www.popsugar.com/smart-living/Things-Stop-Feeling-Guilty-About-43418980">You Need to Stop Shaming Yourself Over These 11 Things</a> -- Don't beat yourself up over the past -- you can't change what has already happened. You can, however, be proactive about bettering yourself now. [PopSugar Smart Living]</p> <p><a href="http://yesiamcheap.com/how-to-stop-being-house-poor/">How to Stop Being House Poor</a> -- When you first buy a house, you'll need to prioritize your furnishings. Furniture and functional items will have to come before décor whose only job is to look good. [Yes, I Am Cheap]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cashthechecks.com/3-tax-deductions-may-increase-audit-risk/">3 Tax Deductions That May Increase Your Audit Risk</a> -- Be careful what medical expenses you're claiming on your tax return. Not all health-related expenses qualify. [Cash The Checks]</p> <p><a href="http://moneyminiblog.com/how-to/quit-your-job/">How to Find Courage to Quit the Job You Hate</a> -- Quitting your job can be scary, especially if you don't have another one lined up. But instead of letting the fear of failure take hold, turn it into the fear of regret. [MoneyMiniBlog]</p> <p><a href="https://www.dumblittleman.com/cure-for-hangover/">Cure For Hangover? 5 Things To Do To Get Through The Morning After</a> -- Your body needs energy to remove the alcohol from your system. Fruits and hangover soup are good to eat at this time. [Dumb Little Man]</p> <p><a href="https://due.com/blog/11-things-may-overlook-starting-business/">11 Things You May Overlook When Starting a Business</a> -- It takes enormous amounts of time and dedication to start a business. Make sure you have the time, energy, and resources to begin this venture. [Due]</p> <p><a href="http://parentingsquad.com/6-easter-basket-gift-ideas-for-your-little-princess">6 Easter Basket Gift Ideas for Your Little Princess</a> -- Fill your princess-loving child's Easter basket with fun, themed activities and accessories, like kid-friendly nail polish and princess storybooks! [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-12-habits-that-turn-dreams-into-reality">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/12-more-things-people-who-make-a-lot-of-money-do">12 More Things People Who Make a Lot of Money Do</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-break-bad-habits">How to Break Bad Habits</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</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/20-habits-you-must-kick-right-now-and-be-a-better-person">20 Habits You Must Kick Right Now and Be a Better Person</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/20-habits-you-must-start-right-now-and-be-a-better-person">20 Habits You Must Start Right Now and Be a Better Person</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips habits Thu, 13 Apr 2017 08:30:15 +0000 Amy Lu 1926758 at http://www.wisebread.com 5 Things to Remember Every Time You Face a Financial Failure http://www.wisebread.com/5-things-to-remember-every-time-you-face-a-financial-failure <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-to-remember-every-time-you-face-a-financial-failure" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-494706352.jpg" alt="Woman remembering things after a financial failure" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Failure is a universal phenomenon, but it's one that makes you feel isolated and alone when it happens to you. When it comes to financial failures &mdash; from thwarted entrepreneurial ambitions, to poor investment decisions, to overwhelming debt &mdash; the feeling of failure is magnified by the fact that talking about money is taboo in our culture, and there are relatively few safe spaces to discuss your financial problems.</p> <p>But financial failure is just as common as any other kind of failure, and there is no reason to let it derail your path to success. When you face a financial failure, remembering these key facts can help you pick yourself up, dust yourself off, and keep working toward your financial goals.</p> <h2>1. No One Else Is Keeping Track of Your Failures</h2> <p>Just out of my graduate education program, I applied for a teaching position at every school district within driving distance. I sent out about two dozen applications. I went on about four job interviews. And two weeks before the school year began, I landed an interview and a job at my preferred district.</p> <p>During that time, I beat myself up for all the districts that weren't calling me and all the interviews that didn't result in a job. But from the outside, my series of failures looked like me landing a job right out of graduate school at the district of my choice.</p> <p>Facing a series of failures before reaching success is a part of life, but no one other than you sees all of those failures. If you've tried over and over again to get the job you want, or tame your <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">credit card debt</a>, or qualify for a small business loan, no one other than you will be keeping a tally of the times it didn't work. You are the only person tracking your failures.</p> <h2>2. Failure Is Not the End</h2> <p>Life is a little messier than in the movies. Moments of success do not end with a swell of music and rolling credits &mdash; and neither do moments of failure. Your life continues after you declare bankruptcy, even if your day-to-day life looks a little different from it did before your bankruptcy.</p> <p>That means no financial failure is the end of the story &mdash; unless you choose to let it be the end. Yes, you made some mistakes in the past that led to a big financial consequence, but you can always choose to get up each day after a bankruptcy, job loss, or disastrous investment, and get to work on rebuilding.</p> <h2>3. Without Failure, It Is Difficult to Recognize Success</h2> <p>If everything you tried came easily to you, then you would never feel anything but neutral about your success. It is failing at something that helps you recognize, enjoy, and be grateful for the success that comes afterward. Failure may feel pretty terrible, but it gives success its sweetness. This is especially true of the kind of behavioral changes you have to make to be financially successful.</p> <p>For instance, sticking to a budget is a difficult skill, and very few rookie budgeters are going to be good at it right out of the gate. Having several months where you blow your budget might seem like a failure worthy of giving up on budgeting altogether, but such blown budgeting months are part of your learning experience.</p> <p>If you're willing to learn from those mistakes, you'll get to a place where you know how to handle unexpected expenses, invitations, or financial problems without overspending. And it will feel so much better to succeed at your budgeting after learning from your failures than it would to have budgeting come easily to you.</p> <h2>4. No Failure Defines You</h2> <p>In the midst of a financial failure, it can be very easy to get discouraged and decide that you failed because there is something wrong with you. For instance, you might be furious at yourself for failing yet again to sign up for your company's 401K, or missing another due date for a bill. You might think that you can't do <em>anything</em> right because you've failed to do this task. But such global application of your anger at yourself is counterproductive and completely untrue.</p> <p>Instead, invest the time to think about the specific reasons why you failed. Do you feel overwhelmed by the decisions you have to make to sign up? Do you have too many bills to keep track of?</p> <p>Once you have pinpointed the specific reasons behind your failure, you can start to focus on what you need to do to rectify the situation, all while recognizing that you are not defined by your failure.</p> <h2>5. You Are Not in a Competition</h2> <p>Experiencing a job loss or other financial failure can be devastating no matter when it happens, but it is particularly tough when your friends or colleagues are doing well at the same time. Having to move back in with your parents after losing a job can already feel like a type of failure, but it can feel even worse if your best friend receives a major promotion and raise at work at around the same time. You might feel as if you're falling behind while they pull ahead of you.</p> <p>However, comparing your life to others' lives is a losing proposition, since there will always be someone doing better (and someone doing worse, for that matter) than you. You are not in a race to succeed, and there are no winners and losers &mdash; so don't let yourself feel bad because of where you are in relation to others. You are where you are, and you can find success from there.</p> <h2>Don't Let Financial Failure Get the Better of You</h2> <p>We all face financial failure at some point in our lives. Feeling devastated is perfectly normal, but don't let it be your only reaction to such a failure. Instead, remember that failure is just one of the steps on the path to success.</p> <h2 style="text-align: center;">Like this article? Pin it!&nbsp;</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-things-to-remember-every-time-you-face-a-financial-failure&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure.jpg&amp;description=5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure" 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/u5180/5%20Things%20to%20Remember%20Every%20Time%20You%20Face%20a%20Financial%20Failure.jpg" alt="5 Things to Remember Every Time You Face a Financial Failure" 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/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-things-to-remember-every-time-you-face-a-financial-failure">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/why-you-need-to-make-financial-habits-not-goals">Why You Need to Make Financial Habits, Not Goals</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-reasons-to-cut-millennials-some-slack-about-their-money">10 Reasons to Cut Millennials Some Slack About Their Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-benefits-of-failure">7 Surprising Benefits of Failure</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus">5 Bedtime Routines of Famous Financial Gurus</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/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance failures financial goals habits motivation picking yourself up success Tue, 21 Feb 2017 10:00:22 +0000 Emily Guy Birken 1893289 at http://www.wisebread.com Why You Need to Make Financial Habits, Not Goals http://www.wisebread.com/why-you-need-to-make-financial-habits-not-goals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-you-need-to-make-financial-habits-not-goals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_paperwork_tablet_516427320.jpg" alt="Woman realizing financial habits are better than financial goals" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With any luck you're still on track with your financial resolutions and making strides toward your financial goals. While your financial goals may look pretty on paper, they won't mean much until you start building the habits necessary to meet those goals. And if you have already given up on your resolutions, don't fret. Focus on financial habits, instead.</p> <p>By adopting good financial habits, you are committing yourself to achieving your long-term goals. Once you've begun a habit, it will eventually become second nature, and before you know it, you'll have made real progress toward your goals.</p> <h2>Track Your Progress</h2> <p>In order to ensure you are on the path to meeting your goals, it's essential to track your progress. This means that you need to create habits that allow you to track your progress. In order to develop a habit, there needs to be some form of reward that happens each time you perform the action. After a while, this repetition will form a new habit. This &quot;<a href="http://www.npr.org/2012/03/05/147192599/habits-how-they-form-and-how-to-break-them" target="_blank">habit loop</a>&quot; is how automatic behaviors and successful habits are formed.</p> <p>Recognizing the progress that you've made every week or month by adopting a new habit will motivate you to continue the action. For instance, by skipping your morning cup of coffee, you may be able to save up to $150 per month. Consider placing a reminder of this somewhere you'll see it throughout the day.</p> <h2>How to Form Good Habits</h2> <p>The only way to form habits that stick is through repetition. Forming a healthy habit is great, but the only way that it's going to be effective is if you continually repeat the behavior. In many cases, it can be good to have an accountability partner who can help you meet your goals. In fact, the Dominican University of California found that more than 70% of people who provided a friend with weekly updates on their progress were successful in <a href="http://www.dominican.edu/dominicannews/study-highlights-strategies-for-achieving-goals" target="_blank">accomplishing their financial goals</a>.</p> <h2>Develop Habits Early</h2> <p>The earlier you begin developing financial habits, the better chance you'll have of sticking to the habit on a long-term basis.</p> <p>Setting a goal determines your end target, but it doesn't necessarily set steps to achieve that goal. On the other hand, when you start forming habits, they can create long-term change. Goals can seem like large, looming things at the end of a long tunnel, whereas habits are something that you can begin doing today. By focusing on financial habits, you can form sustainable behaviors that help you meet your goals in less time.</p> <h2>Good Habits to Adopt</h2> <p>There are certain habits that can help you achieve a broad goal. For instance, if your goal is to pay off debt, then you can start by paying more than the minimum on your credit cards every month. By adopting this habit, you can more <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">quickly pay off your credit cards</a> and move on to other forms of debt.</p> <p>If your goal is to invest more, then you can get into the habit of automatically transferring at least $35 per week into your retirement accounts so that you can become a millionaire by retirement (adjust the numbers for your age and personal retirement goals).</p> <p>In order to start building healthy habits, you will need to first create a budget to determine how much you can save and how much you can spend on the &quot;needs&quot; and the &quot;wants&quot; in life. Checking your budget every week is a great habit to form. This will help you to determine where you're spending your money and what can be cut from your regular spending.</p> <h2>Automate Your Habits</h2> <p>Saving money can make you happier both in the short and long run, so it's one of the best financial habits to have. However, it can be difficult to save, so it's best to sign up for an automatic savings plan, which can deposit a certain amount into your savings account every month. You can also set your credit card and other bill payments to be paid automatically. By automating your finances, you get a step closer to establishing healthy financial habits.</p> <h2>The Best of Both Worlds</h2> <p>In an ideal situation, you will build financial habits that can improve your financial status for life. You will also focus on your goals and set the achievable steps you'll need to take to reach those goals in less time.</p> <p>There are a number of evidence-based strategies that show that maintaining your healthy financial habits can help you reach your goals without even thinking about it. Once you have visualized your goals and outcomes, it's important to identify the obstacles standing in your way so that you can create a plan and begin adopting healthy habits that will benefit you for life.</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/why-you-need-to-make-financial-habits-not-goals">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/living-cheaply-for-the-long-term">Living Cheaply for the Long Term</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-really-need-to-pay-yourself-first-seriously">7 Reasons You Really Need to Pay Yourself First (Seriously)</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-reasons-youre-still-stuck-in-a-financial-hole">8 Reasons You&#039;re Still Stuck in a Financial Hole</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">How to Take One Vacation Day and Save Thousands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living commitment financial goals habits long-term progress saving money Thu, 02 Feb 2017 10:00:16 +0000 Andrea Cannon 1871138 at http://www.wisebread.com Best Money Tips: Power Habits of Great Leaders & Achievers http://www.wisebread.com/best-money-tips-power-habits-of-great-leaders-achievers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-power-habits-of-great-leaders-achievers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/nelson_mandela_458982231.jpg" alt="Nelson Mandela and his power habits" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on power habits of great leaders and achievers, how to save time at the gym, and ways to cultivate your passion.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.dumblittleman.com/habits-of-great-leaders/">7 Power Habits of Great Leaders, Business Icons and Inspirational Achievers</a> &mdash; What can we learn from Martin Luther King, Jr., Bill Gates, and Isaac Newton? [Dumb Little Man]</p> <p><a href="http://www.theorderexpert.com/save-time-gym/">How to Save Time at the Gym</a> &mdash; Request a full tour of your gym from a staff member and learn where the exercise equipment, fitness rooms, and other amenities are located so you don't have to waste time looking for what you need. [The Order Expert]</p> <p><a href="http://www.livingwellspendingless.com/2017/01/23/how-to-design-a-life-you-love/">Design a Life You Love &ndash; 4 Simple Ways to Cultivate Your Passion</a> &mdash; The life you love won't happen by accident. You have to take action to create the life you want, and this process can help you map out what you need to do. [Living Well Spending Less]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2017/0124/The-Little-Book-of-Hygge-How-Danes-thrive-in-winter">The Little Book of Hygge: How Danes thrive in winter</a> &mdash; Hygge isn't just about coziness. It can be a method of self-care and a retreat into your own happy place. [The Monitor]</p> <p><a href="http://www.popsugar.com/smart-living/Things-Do-Alone-Valentine-Day-43041825?stream_view=1">14 Things to Do Alone on Valentine's Day</a> &mdash; You don't need a date to have a good time on Valentine's Day. Here are a few ways to show yourself some extra love. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialwoman.com/reach-goals-faster">Do This to Reach Your Goals Faster</a> &mdash; This strategy will help you identify what is and isn't working, and what changes you'll need to make in order to reach your goals. [Financial Woman]</p> <p><a href="http://www.cashthechecks.com/3-times-warranties-will-save-money/">3 Times Warranties Will Save You Money</a> &mdash; A home warranty is one of the most important warranties to have. [Cash The Checks]</p> <p><a href="http://www.lifeoptimizer.org/2017/01/19/rule-in-building-skills/">An Essential Rule in Building Your Skills (and 3 Ways to Apply It)</a> &mdash; When it comes to developing a skill, there's no need to start from scratch. Build upon what you've already built. [Life Optimizer]</p> <p><a href="http://www.asianefficiency.com/email-management/7-email-mistakes/">7 Common Email Mistakes That Kill Your Productivity</a> &mdash; Don't treat email like it's a chat room. If you need immediate responses within a group of people, set up a meeting or conference call. [Asian Efficiency]</p> <p><a href="http://www.dontmesswithtaxes.com/2017/01/10-reasons-to-file-a-tax-return-even-if-you-dont-have-to.html">10 reasons to file a tax return even if you don't have to</a> &mdash; Even if you're not required to file a tax return, it's a good idea to do so if certain situations apply to you. [Don't Mess With Taxes]</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-power-habits-of-great-leaders-achievers">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/12-more-things-people-who-make-a-lot-of-money-do">12 More Things People Who Make a Lot of Money Do</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-break-bad-habits">How to Break Bad Habits</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</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/20-habits-you-must-kick-right-now-and-be-a-better-person">20 Habits You Must Kick Right Now and Be a Better Person</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/20-habits-you-must-start-right-now-and-be-a-better-person">20 Habits You Must Start Right Now and Be a Better Person</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips habits Thu, 26 Jan 2017 10:30:24 +0000 Amy Lu 1880350 at http://www.wisebread.com Best Money Tips: Small Habits That Steal Your Happiness http://www.wisebread.com/best-money-tips-small-habits-that-steal-your-happiness <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-habits-that-steal-your-happiness" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sad_stressed_83655851.jpg" alt="Woman with small habits that steal her happiness" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on small habits that steal your happiness, tips for saving money on groceries, and ways to get cheap or free vet care for your pet.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.positivityblog.com/index.php/2016/09/08/steal-your-happiness/">7 Small Habits That Will Steal Your Happiness</a> &mdash; Don't put your dreams on hold, waiting for the right time to take action. Even if you can't dive in right away, you can take small steps toward your goal. [The Positivity Blog]</p> <p><a href="http://blog.wallstreetsurvivor.com/2016/09/09/20-tips-that-will-help-you-save-money-on-groceries/">20 Tips That Will Help You Save Money On Groceries</a> &mdash; Go for versatile ingredients that can be used in a variety of dishes to ensure that you actually use it before it goes bad. [Wall Street Survivor]</p> <p><a href="http://www.moneytalksnews.com/how-get-cheaper-free-vet-care/">9 Ways to Get Cheap or Free Vet Care for Your Pet</a> &mdash; Check out veterinary websites and social media accounts for deals offered by vets in your area. [Money Talks News]</p> <p><a href="http://lifehacker.com/what-to-do-when-mice-have-invaded-your-home-1786347063">What to Do When Mice Have Invaded Your Home</a> &mdash; If you spot even one mouse, odds are there's a nest somewhere in your house. Follow these steps to get rid of the unwelcome rodents and keep them out. [Lifehacker]</p> <p><a href="http://www.popsugar.com/smart-living/Things-You-Should-Do-Your-30s-40165465">22 Things You Need to Start Doing For Yourself in Your 30s</a> &mdash; Make time for massages &mdash; your body will thank you! [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0902/How-to-balance-between-investment-and-savings-accounts">How to balance between investment and savings accounts</a> &mdash; Investing your money can make it grow faster, but the money in savings is more accessible when an emergency hits. Learn how to balance both and optimize your money. [The Monitor]</p> <p><a href="http://www.morewithlesstoday.com/25-small-ways-to-pay-it-forward-kindness-matters/">25 Small Ways to Pay It Forward &ndash; Kindness Matters!</a> &mdash; Buy extra toiletries when you spot a good deal and give them away to people in need. [More With Less Today]</p> <p><a href="https://blog.allstate.com/changing-your-own-oil-video/">6 Things to Know When Changing Your Own Oil for the First Time</a> &mdash; If you've never changed the oil in you car before, follow these tips to make sure you're doing it correctly. [The Allstate Blog]</p> <p><a href="http://www.lifeoptimizer.org/2016/09/09/how-to-deal-with-stress/">How to Deal With Stress and Remain Calm in Any Situation</a> &mdash; Talk through your problems with someone you trust. It's harder to find solutions when you keep your feelings pent up. [Life Optimizer]</p> <p><a href="http://parentingsquad.com/how-much-homework-is-too-much">How Much Homework Is Too Much?</a> &mdash; The workload your child brings home may be too much if it starts affecting their sleep or mood, [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-habits-that-steal-your-happiness">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/25-ways-to-feel-better-fast">25 Ways to Feel Better Fast</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-break-bad-habits">How to Break Bad Habits</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/100-small-things-that-can-bring-you-joy">100 Small Things That Can Bring You Joy</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-7-exercises-are-scientifically-proven-to-increase-happiness">These 7 Exercises Are Scientifically Proven to Increase Happiness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips habits happiness Mon, 12 Sep 2016 10:00:07 +0000 Amy Lu 1789671 at http://www.wisebread.com Best Money Tips: Daily Habits That Help You Look Younger http://www.wisebread.com/best-money-tips-daily-habits-that-help-you-look-younger <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-daily-habits-that-help-you-look-younger" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_pretty_face_000086079307.jpg" alt="Woman doing daily habits to help her look younger" 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 helpful articles on daily habits that help you look younger, products that can save you money over time, and tips for building a capsule wardrobe.</p> <h2>Top 5 Articles</h2> <p><a href="http://funhappyhome.com/2016/03/daily-habits-to-help-fight-signs-of-aging/">Daily Habits to Help Fight Signs of Aging</a> &mdash; What goes inside your body will affect how the outside of your body looks. Eating good fats from foods like avocados or salmon will give you shiny hair and strong nails, while the micro-nutrients from leafy greens and colorful fruits will keep you skin looking youthful. [Fun Happy Home]</p> <p><a href="http://www.onesmartdollar.com/5-cool-products-that-can-save-you-money-over-time/">5 Cool Products That Can Save You Money Over Time</a> &mdash; A filtered water bottle ensures you have clean water to drink pretty much anywhere you go. You'll save on bottled water and keep the empty plastic bottles out of the landfill. [One Smart Dollar]</p> <p><a href="http://www.everybodylovesyourmoney.com/2016/03/21/how-to-build-a-capsule-wardrobe.html">How to Build a Capsule Wardrobe</a> &mdash; A capsule wardrobe will go a long way in savings &mdash; and style &mdash; if you stock it the right way. Go higher quality on basics like jeans, neutral camisoles, and your go-to dresses, making sure that they fit well and will last a long while. [Everybody Loves Your Money]</p> <p><a href="http://www.personalfinancegenius.com/personal-finance-tips/8-reasons-youre-still-broke">8 Reasons You&rsquo;re Still Broke</a> &mdash; If you don't have a multiple income, you're losing out on cash and financial security. [Personal Finance Genius]</p> <p><a href="http://www.popsugar.com/smart-living/Should-I-Send-Work-Email-Late-Night-16738190">6 Reasons Not to Send Professional Emails After Dark</a> &mdash; The worst typos come out when we're tired. Save that email for the next day when you feel refreshed &mdash; and are less prone to making mistakes. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="https://blog.mint.com/how-to/how-to-be-mindful-with-your-money-031816/">How To Be Mindful With Your Money</a> &mdash; Track your expenses manually as you make them instead of skimming over your statements at the end of the month. [Mint Life]</p> <p><a href="http://flippingincome.com/post/141343826975/3-things-that-fetch-an-insane-price-on-etsy#_=_">3 Things That Fetch an Insane Price on Etsy</a> &mdash; Did you know that vintage glass mugs, especially emblazoned or pop culture mugs, can sell for a premium on Etsy? [Flipping Income]</p> <p><a href="https://due.com/blog/want-to-be-healthier-spend-less-time-working/">Want to be Healthier? Spend Less Time Working</a> &mdash; A recent study found that the more hours per week you work, the more likely you are to have health problems related to your cardiovascular system. [Due.com]</p> <p><a href="http://www.dumblittleman.com/2016/03/7-foods-can-improve-eyesight.html">7 Foods that can Improve your Eyesight</a> &mdash; Bell peppers are high in vitamin C and carotenoids, which can help decrease the risk of many eye diseases. [Dumb Little Man]</p> <p><a href="http://parentingsquad.com/5-ways-smart-home-tech-can-keep-your-kids-safe">5 Ways Smart Home Tech Can Keep Your Kids Safe</a> &mdash; Smart locks not only have the obvious security benefits, they're great for helping you keep track of who's at home, too. [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-daily-habits-that-help-you-look-younger">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/live-long-and-prosper-with-these-15-small-healthy-habits">Live Long and Prosper With These 15 Small Healthy Habits</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-eating-habits-that-are-keeping-us-fat">6 &quot;Good&quot; Eating Habits That Are Keeping Us Fat</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-bad-habits-that-are-actually-good-for-you">13 &quot;Bad&quot; Habits That Are Actually Good for You</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/sex-drugs-rock-n-roll-and-other-surprisingly-healthy-activities">Sex, Drugs, Rock &#039;n Roll — And Other Surprisingly Healthy Activities</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/should-there-be-a-fat-tax-on-junk-food">Should There Be a &quot;Fat Tax&quot; on Junk Food?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips habits look younger Thu, 24 Mar 2016 10:00:05 +0000 Amy Lu 1678288 at http://www.wisebread.com Americans Spend More Than Other Countries On These 10 Things http://www.wisebread.com/americans-spend-more-than-other-countries-on-these-10-things <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/americans-spend-more-than-other-countries-on-these-10-things" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/american_flags_000047277396.jpg" alt="Americans spending more than other countries do" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In America, we're known for our indulgences &mdash; home appliances, electronics, vacations, cars. So how does our spending stack up against Europeans, or folks in Asia? Read on for our analysis of the most uniquely American spendings habits out there.</p> <h2>1. The Lottery</h2> <p>Americans spend more money <a href="http://www.theatlantic.com/business/archive/2015/05/lotteries-americas-70-billion-shame/392870/">playing the lotto</a> than on books, video games, and movie and sporting event tickets combined. In 2014, lottery spending in the U.S. totaled a whopping $70 billion. (See also:&nbsp;<a href="http://www.wisebread.com/6-ways-of-improving-your-lottery-odds">6 Ways of Improving Your Lottery Odds</a>)</p> <h2>2. Doctors and Dentists</h2> <p>The U.S. spends more <a href="http://www.commonwealthfund.org/publications/issue-briefs/2015/oct/us-health-care-from-a-global-perspective">public dollars on healthcare</a> than all but two countries. There are a couple of reasons for that. First, healthcare services are notably higher in the U.S. than in most other nations. And secondly, Americans are greater users of expensive medical treatments and technologies, such as MRI machines.</p> <h2>3. Housing</h2> <p>Americans spend more money on housing than people in Canada, the United Kingdom, and Japan. In a 2009 study, Americans funneled an average <a href="http://www.bls.gov/opub/focus/volume2_number16/cex_2_16.htm">26% of their expenditures</a> toward shelter.</p> <h2>4. Taxis, Planes, and Trains</h2> <p>The same study showed Americans also spend more on private transit, other than automobiles, than folks in Canada, the United Kingdom, and Japan.</p> <h2>5. Education</h2> <p>The U.S. <a href="http://www.cbsnews.com/news/us-education-spending-tops-global-list-study-shows/">spends more on education</a> than any other developed nation, and most of the funding comes from the pockets of parents and private foundations. Total spending per student in the U.S. tops $15,000. For perspective's sake, Switzerland spends nearly $15,000 and Mexico pays about $3,000. Despite big spending, American students still lag behind comparable nations on international tests.</p> <h2>6. Prescription Drugs</h2> <p>Americans spend far more on <a href="http://www.pbs.org/newshour/updates/americans-spend-much-pharmaceuticals/">prescription drugs</a> &mdash; almost $1,000 per person per year &mdash; than residents of any other country. For some perspective: Americans spend 40% more than the next highest spenders, Canadians.</p> <h2>7. Politics</h2> <p>Americans spend more on <a href="https://sunlightfoundation.com/blog/2014/11/10/u-s-political-finance-americans-spend-more-on-elections-but-they-lead-from-behind/">political campaigns</a> than any other country. To compare, India spent $5 billion in its last general election. That's one billion dollars less than Americans spent in the 2012 general election.</p> <h2>8. Tourism</h2> <p>When traveling abroad, Americans <a href="http://www.businessinsider.com/tourists-from-these-countries-spend-the-most-when-traveling-abroad-2015-4">outspend vacationers</a> from most other countries. In 2014, Americans abroad spent $112 billion &mdash; more than Germany, the United Kingdom, and Russia. The big out-spender, however, was China. Chinese abroad spent $165 billion that same year.</p> <h2>9. Christmas</h2> <p>Americans are more likely than residents of any European nation to go into debt to pay for Christmas presents. One in five Americans used credit to <a href="http://www.ing.com/Newsroom/All-news/UK-and-Romania-top-international-Christmas-spending-league.htm">cover holiday spending</a> in 2014.</p> <h2>10. Chocolate Bars</h2> <p>The U.S. leads global spending on <a href="http://www.theguardian.com/news/datablog/2015/jul/19/which-country-spends-the-most-on-chocolate-bars">chocolate bars</a>, topping out at nearly $3 billion per year. That shakes out to an average annual chocolate expenditure of $57 per American.</p> <p><em>Do any of these expenditures look familiar to you?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/americans-spend-more-than-other-countries-on-these-10-things">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/americans-spend-less-than-other-countries-on-these-9-items">Americans Spend Less Than Other Countries on These 9 Items</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-five-senses-tricking-you-to-spend-more">Are Your Five Senses Tricking You to Spend 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/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-surprising-things-you-can-have-delivered">12 Surprising Things You Can Have Delivered</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping americans Asia Europe habits spending united states Tue, 19 Jan 2016 18:00:04 +0000 Brittany Lyte 1638139 at http://www.wisebread.com Best Money Tips: Simple Habits That Save Time and Energy http://www.wisebread.com/best-money-tips-simple-habits-that-save-time-and-energy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-simple-habits-that-save-time-and-energy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_waking_up_000020198339.jpg" alt="Woman using simple habits to save time and energy" 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 simple habits that save time and energy, how to regift appropriately, and tips for setting New Year&rsquo;s goals.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.marcandangel.com/2015/12/09/10-simple-habits-that-will-save-you-lots-of-time-and-energy/">10 Simple Habits that Will Save You Lots of Time and Energy</a> &mdash; Stop wasting time on endless options! Be predictable in certain areas of your life &mdash; like, say, your wardrobe. [Marc &amp; Angel Hack Life]</p> <p><a href="http://adebtfreestressfreelife.com/how-to-regift-appropriately/">How To Regift Appropriately</a> &mdash; Don&rsquo;t regift within the same circle of family or friends if you don't want the original giver to find out about it. [A Debt Free Stress Free Life]</p> <p><a href="http://www.everybodylovesyourmoney.com/2015/12/09/5-new-year-goal-setting-tips.html">5 New Year Goal Setting Tips</a> &mdash; Map out what you need to do to reach your goal. Include target dates to keep yourself on track! [Everybody Loves Your Money]</p> <p><a href="http://www.frugalvillage.com/2015/12/08/winter-activities-on-a-dime/">Winter Activities on a Dime</a> &mdash; Build in indoor obstacle course with blankets, chairs, and even pots and pans! [Frugal Village]</p> <p><a href="http://www.shebudgets.com/lifestyle/careers/five-times-you-shouldnt-take-that-higher-paying-job">Five Times You Shouldn&rsquo;t Take that Higher Paying Job</a> &mdash; A job with higher pay is much less attractive if it lacks stability. [SheBudgets]</p> <h2>Other Essential Reading</h2> <p><a href="http://timemanagementninja.com/2015/12/5-ways-to-drive-your-creativity-when-you-dont-have-the-spark/">5 Ways to Drive Your Creativity When You Don&rsquo;t Have the Spark</a> &mdash; Take a quick break to clear your head and get your mind and body flowing. [Time Management Ninja]</p> <p><a href="http://www.popsugar.com/smart-living/How-Happy-Now-38831578">10 Things You Can Do Today to Be Happy</a> &mdash; Giving to others can raise the dopamine levels in your brain and make you feel better. When you're feeling down, do an act of kindness to help others and yourself! [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/2015/1210/Walmart-launches-its-own-mobile-payment-system">Walmart launches its own mobile payment system</a> &mdash; Walmart Pay will be available nationwide in the first half of 2016. [The Monitor]</p> <p><a href="http://www.cheapism.com/blog/4003/frugal-holiday-stress-management-tips">10 Ways to Manage Holiday Stress and Save</a> &mdash; Relieve the some of the pressure by assigning tasks to your partner and the kids. [Cheapism]</p> <p><a href="http://parentingsquad.com/it-s-a-girl-here-are-6-adorable-baby-shower-snack-ideas">It&rsquo;s a Girl! Here Are 6 Adorable Baby Shower Snack Ideas</a> &mdash; Chocolate mint pinwheels are dainty baby shower snacks that go great with hot coffee or tea. [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-simple-habits-that-save-time-and-energy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-break-bad-habits">How to Break Bad Habits</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-habits-of-extremely-extreme-people">The Habits of Extremely Extreme People</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/no-hot-water-now-what">No Hot Water: Now What?</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-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</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-simple-ways-to-take-stunning-travel-photos">8 Simple Ways to Take Stunning Travel Photos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips habits Mon, 14 Dec 2015 20:01:04 +0000 Amy Lu 1619207 at http://www.wisebread.com 5 Financial Mistakes You Need to Stop Making by 30 http://www.wisebread.com/5-financial-mistakes-you-need-to-stop-making-by-30 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-financial-mistakes-you-need-to-stop-making-by-30" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_thinking_about_money_000059288760.jpg" alt="Man learning about financial mistakes to stop making by 30" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Managing money is tricky, especially when you're in your 20s and just starting your adult life. Between low starting pay, student loan debt, and the pressure to keep up with your friends materially, your finances are usually anything but perfect.</p> <p>As you learn the financial ropes, it's only natural that you'll make some mistakes along the way. I certainly did &mdash; because nobody's perfect, and our 20s are a time of self-discovery where we learn the dos and don'ts of money management. Alas, while you can get away with a few financial screw ups as a young adult, your 30s are the time to get serious about your money. You can no longer afford rookie mistakes.</p> <p>To help you advance to the big league, here's a look at five <a href="http://www.wisebread.com/4-financial-mistakes-that-limit-your-freedom">financial mistakes</a> to stop making by age 30.</p> <h2>1. Not Getting Serious About Budgeting</h2> <p>As a 20-something adult, you might live at home with your parents or share household expenses with a roommate. As a result, maybe you're able to spend money frivolously and you don't have to pinch pennies. If you get into any financial messiness, you can easily dig yourself out of a hole, leaving you feeling like a budget is unnecessary. Except there's one little problem: You'll eventually be on your own.</p> <p>By age 30, it's time to put impulse buying and bad habits behind you and get serious about managing your money. A budget is one of the best ways to maintain control of your finances. You're able to assess exactly where your money goes, and allocating a certain amount for different spending categories reduces the risk of overspending and ensures there's enough cash for other financial goals (building an emergency fund, saving up to buy a house, paying off debt, etc). You're an adult now, and you need to treat your money like one.</p> <h2>2. Using a Credit Card to Satisfy Your Wants</h2> <p>It's smart to apply for a credit card in your 20s. A credit card jumpstarts your credit history and provides access to funds during an emergency. Unfortunately, some 20-something adults rely too much on credit and accumulate massive debt. (You're not alone; I did it too.) But by the time you hit 30, it's time to give credit cards a rest and live mostly on cash.</p> <p>Using a credit card to satisfy your wants doesn't end well. The more debt you have, the harder it becomes to save for the future, and high minimum payments make it difficult to afford basic living expenses, like a mortgage or utilities. In your 30s, a credit card should be the exception, not the rule. If you use credit, make sure you're paying off the balance every month.</p> <h2>3. Ignoring Your Retirement Savings</h2> <p>Thinking back to my 20s, saving for retirement was the last thing on my mind. Maybe you feel the same way. In your 30s, you can't afford to put off saving for the future. For every year you delay saving for retirement, that might be an extra year you have to work later in life &mdash; and who the heck wants to do that? Talk to your employer about joining the company's 401(k) plan, and consider diversifying your retirement savings with an individual retirement account.</p> <h2>4. Relying Too Much on Your Parents for Support</h2> <p>I know from experience that making it on your own as a 20-something adult can be brutal. Entry-level salaries don't always keep up with the cost of living, and making ends meet might require some financial assistance from your parents. There's no shame in asking for help, but once you're in your 30s, you need to stand on your own two feet.</p> <p>This doesn't mean you'll never need financial help again, but instead of running to your parents every time you hit a financial roadblock, attempt to solve the problem yourself. What would you do if your parents weren't in a position to help? You could possibly sell items you don't need, ask your employer for overtime work, or downsize if you're living above your means.</p> <h2>5. Skipping Health Insurance and Other Insurance Needs</h2> <p>Some 20-something adults remain on a parent's health insurance plan until age 26. But once they're on their own, some feel they don't need insurance because they're healthy and only visit a doctor once a year for a physical, which is free under the Affordable Care Act. But just because you're healthy today doesn't mean you'll be healthy tomorrow. The older you get, the more likely you'll develop health problems, and it only takes one trip to the emergency room to wipe out your savings account. Even if you can't afford the best health insurance plan, some coverage is better than none.</p> <p>You also need to stop ignoring other insurance needs, such as disability insurance in the event you're unable to work for more than two weeks due to an injury or illness, and renter's insurance, which covers the replacement cost of your belongings in the event of fire, theft, or other damage to the property. Life often throws us curveballs when we're least expecting, so it's best to be as prepared as possible.</p> <p><em>Do you have other financial mistakes to add that we should stop making by age 30? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/5-financial-mistakes-you-need-to-stop-making-by-30">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/10-reasons-to-cut-millennials-some-slack-about-their-money">10 Reasons to Cut Millennials Some Slack About Their Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-financial-basics-every-new-grad-should-know">The Financial Basics Every New Grad 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/7-financial-differences-between-millennials-and-the-next-generation">7 Financial Differences Between Millennials and the Next Generation</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-before-moving-out-on-your-own">5 Money Moves to Make Before Moving Out on Your Own</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-6-biggest-financial-decisions-in-your-20s">The 6 Biggest Financial Decisions in Your 20s</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance 30s budgeting habits insurance millennials money moves retirement Mon, 03 Aug 2015 13:00:09 +0000 Mikey Rox 1507542 at http://www.wisebread.com Best Money Tips: Common Habits That Can Shorten Your Life http://www.wisebread.com/best-money-tips-common-habits-that-can-shorten-your-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-common-habits-that-can-shorten-your-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_watching_tv_000006634010.jpg" alt="Woman with common habits that can shorten her life" 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 some great articles on common habits that may shorten your life, essentials for a long car ride, and natural methods to keep bugs away.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.lifehack.org/271659/8-common-living-habits-that-may-shorten-your-life">8 Common Living Habits That May Shorten Your Life</a> &mdash; Believe it or not, exercising too much can shorten your lifespan. [Lifehack]</p> <p><a href="http://www.popsugar.com/smart-living/What-Bring-Road-Trip-24646529">16 Essentials For a Long Car Ride</a> &mdash; If you're driving with a caravan, pack a walkie-talkie for each car so you can communicate even in areas with no cell phone service. [PopSugar Smart Living]</p> <p><a href="http://blog.allstate.com/natural-bug-repellents/">Easy, Natural Ways to Keep Bugs Away From Your Yard</a> &mdash; Mosquitoes aren't strong fliers, so if you run a fan they'll have to fight against the wind and won't be able to stay in one place long enough to bite. [The Allstate Blog]</p> <p><a href="http://www.northerncheapskate.com/7-simple-ways-to-spend-less-at-stores/">7 Simple Ways to Spend Less At Stores</a> &mdash; Set a time limit for your shopping. The longer you spend in the store, the more likely you'll fill your cart with things you don't need. [Northern Cheapskate]</p> <p><a href="http://couponpal.com/blog/these-10-things-are-damaging-your-eyes">These 10 Things Are Damaging Your Eyes</a> &mdash; It's important to protect your eyes from UV rays. Weary sunglasses that block UV rays any time you're outside, even if it's cloudy. [CouponPal]</p> <h2>Other Essential Reading</h2> <p><a href="http://frugalbeautiful.com/blog/5-travel/">5 Things To Do Before You Travel Abroad</a> &mdash; Have all your documents ready ahead of time. Make copies of your passport, and bring information on your credit cards, emergency numbers, and travel details like where you're staying and flight numbers. [Frugal Beautiful]</p> <p><a href="http://couplemoney.com/frugal-fun/hosting-a-fun-and-frugal-summer-party">Hosting a Fun (And Frugal!) Summer Party</a>&nbsp;&mdash; Buy party essentials in bulk. Warehouse clubs like Costco offer high quality food at competitive prices. [Couple Money]</p> <p><a href="http://moneypantry.com/make-money-at-the-beach/">10 Fun Ways You Can Earn Money at the Beach</a> &mdash; You can rent out beach essentials like coolers, umbrellas, and shelters. [Money Pantry]</p> <p><a href="http://parentingsquad.com/how-to-create-a-summer-bucket-list-in-5-easy-steps">How to Create a Summer Bucket List in 5 Easy Steps</a> &mdash; Whenever you or your kids hit an &quot;I'm bored&quot; moment, use the summer bucket list to fill your day with family fun! [Parenting Squad]</p> <p><a href="http://ptmoney.com/cheap-healthy-foods-that-fill-you-up/">10 Inexpensive Powerhouse Foods to Add to Your Diet</a> &mdash; Cabbage is rich in fiber and vitamins, and they're great for stretching most recipes. Plus, they're really cheap! [PT Money]</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-common-habits-that-can-shorten-your-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-break-bad-habits">How to Break Bad Habits</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-habits-of-extremely-extreme-people">The Habits of Extremely Extreme People</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/no-hot-water-now-what">No Hot Water: Now What?</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-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</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-simple-ways-to-take-stunning-travel-photos">8 Simple Ways to Take Stunning Travel Photos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips habits Fri, 26 Jun 2015 19:00:12 +0000 Amy Lu 1470909 at http://www.wisebread.com Best Money Tips: Habits That Lead to Wealth http://www.wisebread.com/best-money-tips-habits-that-lead-to-wealth <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-habits-that-lead-to-wealth" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_weathly_habits_000019856685.jpg" alt="Woman using helpful habits to create personal wealth" 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 some great articles on the habits that lead to wealth, the best real-life cheats, and DIY health and beauty products you can make with essential oils.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneyspruce.com/7-habits-that-lead-to-wealth/">7 Habits That Lead to Wealth</a> &mdash; Being creative will help you deal with financial plans that have gone off course. [Money Spruce]</p> <p><a href="http://www.popsugar.com/smart-living/Good-Life-Hacks-34274441">41 of the Best Real-Life Cheats</a> &mdash; Skip voicemail instructions and go straight to leaving message by pressing 1. If that doesn't work, try * or #. [PopSugar Smart Living]</p> <p><a href="http://www.northerncheapskate.com/5-diy-natural-health-beauty-products-using-essential-oils/">5 DIY Natural Health &amp; Beauty Products Using Essential Oils</a> &mdash; All you need to make your own shower vapor disks is baking soda, water, and your choice of essential oils. [Northern Cheapskate]</p> <p><a href="http://www.mydollarplan.com/ways-to-save-money-on-diy-home-renovations/">7 Ways to Save Money on DIY Home Renovations</a> &mdash; Concentrate your reward points toward gift cards from the home and garden stores where you'll be getting your tools and supplies. [My Dollar Plan]</p> <p><a href="http://www.forbes.com/sites/jrose/2015/04/21/5-ways-to-prevent-your-70-year-old-self-from-hating-you/">5 Ways To Prevent Your 70-Year-Old Self From Hating&nbsp;You</a> &mdash; Always keep an eye out for new business opportunities! [Forbes]</p> <h2>Other Essential Reading</h2> <p><a href="http://christianpf.com/10-frugal-landscaping-ideas-to-make-your-yard-amazing/">10 Frugal Landscaping Ideas to make Your Yard Amazing</a> &mdash; It's easy to make your own rain barrel from a 55-gallon plastic drum, and it's fun to decorate however you like! [Christian PF]</p> <p><a href="http://moneyaware.co.uk/2015/04/10-clothing-tips/">10 clothing tips that'll save you money</a> &mdash; Save money on your wardrobe by learning how to remove different kinds of stains and making your own stain removers! [Step Change Money Aware]</p> <p><a href="http://www.bankonyourself.com/5-financial-myths.html">5 Financial Myths that Are Destroying Your Wealth</a> &mdash; Some people think that, after they retire, their basic expenses will decrease. Odds are they won't be any lower in retirement! [Bank on Yourself]</p> <p><a href="http://adebtfreestressfreelife.com/12-promises-to-make-if-youre-serious-about-getting-out-of-debt/">12 Promises To Make If You&rsquo;re Serious About Getting Out of Debt</a> &mdash; Promise yourself to take control and responsibility for your financial situation. [A Debt Free Stress Free Life]</p> <p><a href="http://parentingsquad.com/6-reasons-to-do-a-digital-spring-cleaning">6 Reasons to Do a Digital Spring Cleaning</a> &mdash; Protect yourself by deleting the private information that can be accessed from your devices. [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-habits-that-lead-to-wealth">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/how-to-break-bad-habits">How to Break Bad Habits</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-nervous-tics-you-need-to-stop-right-now">6 Nervous Tics You Need to Stop Right Now</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-word-you-need-to-get-rid-of-for-a-better-life">The One Word You Need to Get Rid of for a Better Life</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-habits-you-must-kick-right-now-and-be-a-better-person">20 Habits You Must Kick Right Now and Be a Better Person</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-more-things-people-who-make-a-lot-of-money-do">12 More Things People Who Make a Lot of Money Do</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Development best money tips habits Thu, 23 Apr 2015 19:00:06 +0000 Amy Lu 1399274 at http://www.wisebread.com