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Best Money Tips: Dining Hacks From Restaurant Insiders

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some fantastic articles on dining hacks from restaurant insiders, reconsidering the college investment, and tools to help you find the cheapest textbooks.

Top 5 Articles

12 Drinking and Dining Hacks From Restaurant Insiders — When drinking or dining out, save money by skipping the pricey liquor and only ordering an appetizer. [PopSugar Smart Living]

11 Food Additives You're Probably Eating Every Day (and What They Do)

My grandparents grew up in a time and place when they knew exactly where their food came from: their own backyard. That kind of transparency seems almost unimaginable to me.

The carton of milk I buy might have been sourced from hundreds — or even thousands — of animals. The apples I carefully select tell me only the country or state in which they were grown. Even the fresh bread from my favorite local bakery is suspect; I know nothing about the flour, the seeds, or the hands that bring it to life. And I haven't even gotten to processed food. (See also: I'm Eating What? 12 Gross Things in Your Food)

8 Organizations That REALLY Can Help You With Your Debt

Pinpointing the exact moment you got over your head in debt may be tricky. But if you suspect you're never going to pay off your loans without a drastic change in circumstances, then you are likely stuck in a bad spot.

You may need to seek outside help, and that means being careful to avoid shady companies that promise to make you debt-free quickly and painlessly. Consider tapping the capabilities of these organizations to do a financial turnaround.

6 Self Help Mantras That Actually Hurt

Sometimes, self-help isn't.

While there are loads of excellent strategies out there for improving yourself and your life in all kinds of different areas, there are a few fairly common self-help mandates that may not work as well as they should. (See also: 10 Mantras That Will Transform Your Life)

Take caution before blindly throwing yourself at new goals like these.

"Get Up Earlier"

It's common to tell people that if they want to improve themselves, they should wake up earlier. This is supposed to give you time to get things done before you have to officially start your day.

Best Money Tips: Ways to Lower Your Car Insurance Premium

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on lowering your car insurance premium, helping friends who are bad with money, and what to buy in August.

Top 5 Articles

5 Ways to Lower Your Car Insurance Premium — If you want to lower your car insurance premium, ask about discounts and change your coverage. [Smart Money Chicks]

Money Matters: How to Help a Friend Who Is Bad With Money — To help a friend who is bad with money, point him or her in the direction of financial tools. [Money Under 30]

Employers Care More About Skills Than Your Degree — So Here's What You Should Do

Our generation has seen the cost of a college degree inflate dramatically while simultaneously becoming far less valuable than it would have been 15 or 20 years ago.

It's not just that there are a lot of them or that more people have access to financing and are able to get a degree. Rather, the quality of the education has dropped, the price has skyrocketed, and the value of what you do learn has become increasingly less cohesive with what employers want to see. (See also: 10 Ways to Improve Your Decision-Making Skills)

13 Ways You Can Cut Grocery Expenses Today

Since December 2013, the "spot foodstuff" index price is up about 20%. Ouch! For those of us who aren't commodities investors, that will translate to about a 3.5% increase in the price of food over the year — double the rate of last year's increase. Even vegetarians will feel the pinch due to the ongoing California drought.

So what can you do to maximize your food budget? Here are 13 suggestions. (See also: 22 Supermarket Tricks You Haven't Tried Yet)

How to Turn $25 a Week Into Almost $7000 in 5 Years

According to Bankrate, certificates of deposit with a 5-year maturity (as of 7/18/14) offer a meager 1.74% growth rate — hardly anything to brag to your friends about. What do you do if you want to make your money grow even more? (See also: A Low Risk Investment Plan)

One option could be to invest in the stock market. But with such a short time frame as five years, stocks may not be your best option.

Instead, a more suitable investment would be to invest in bonds.

Specifically, to invest in bond funds.

20 Habits You Must Start Right Now and Be a Better Person

"I'm gonna make a change, it's gonna feel real good!"

No song gets me in as good a mood as Michael Jackson's Man in the Mirror. This tune not only packs a motivational punch, but also drives home the point that true change in this world starts with you. (See also: 20 Habits You Must Kick Right Now to Be a Better Person)

So, crank up this MJ classic, start practicing these 20 habits and make that change.

The 5 Best Electric Blankets

Whether you need a little extra warmth for those cold winter nights, or if it's cold all year-round, an electric blanket is a great thing to have when it's just a little too chilly outside. When buying an electric blanket, there's a few things to keep an eye on, such as being made of machine-washable materials and easy-to-use controls. Additional features to consider include a range of heating settings as well as an automatic shut-off.