Wise Bread

Living large on a small budget. Despite what you may have heard, you don't have to sacrifice your financial independence to enjoy life. We believe people on a budget can still enjoy fabulous and fun lives.

Latest Posts from Wise Bread

What Really Goes into Creating a Credit Card

Link for teaser title:  https://www.wisebread.com/how-bank-of-america-designed-the-cash-rewards-card A peak inside the development of the Bank of America Cash Rewards Credit Card. […]

Join Our Tweetchat on Thursday 4/18, 12pm PST/3pm EST for a Chance to Win $300 in Prizes!

Join our Tweetchat Thursday 4/18 at 12pm PST/ 3pm EST for lively conversation and a chance to win a $200 gift card or one of two $50 gift cards! Use #WBChat and #MajoringInMoney to participate. This week's topic: Majoring in Money! Learn about how young adults rate their money management skills,... […]

How to Make Better Financial Decisions

A key financial decision people struggle to make is how to allocate savings for multiple financial goals. Do you save for several goals at the same time or fund them one-by-one in a series of steps? Basically, there are two ways to approach financial goal-setting: Concurrently: Saving for two or... […]

Ask the Readers: What Time Management Tools Do You Use?

It's easy to let things fall by the wayside when you're busy, but time management tools can help you organize your day and allow you to get things done. They can be as simple as a to-do list or a calendar, or they can be sophisticated apps or programs that run on your devices. The important thing... […]

Everything You Need to Know About Airline Dining Rewards Programs

There are many ways to earn a lot of airline miles in a hurry, but the fastest way is signing up for a co-branded airline or travel credit card. Doing so allows you to earn miles on your regular spending, plus you can usually earn a signup bonus worth a few free flights. Other ways to earn miles... […]

Here Are the Right Ways (And the Wrong Ways) to Use a Personal Loan

Credit cards make it easy to borrow money in a pinch, but they aren't ideal when you need time to pay the money back. The average credit card interest rate is currently over 17% APR, after all. That's a ton of money in interest to fork over for no real benefit, and the cost can be even more... […]

How to Get Your Kid Started With Investing

My daughter recently lost $80 in her bedroom. It's just gone. One theory is that we accidentally donated it to Goodwill, since she had stored it in an old book and we'd been clearing out a lot of junk. But it got me thinking: What would be a better place to keep money she's not using? She's been... […]

Join Our Tweetchat on Thursday 4/11, 12pm Pacific for a Chance to Win Prizes

Join our Tweetchat this Thursday at 12:00 pm Pacific for lively conversation and a chance to win one of two $10 Amazon GCs! Use #WBChat to participate. This week's topic: Keeping Baby Showers Frugal! Learn about saving on invitations, food, gifts, games, and more! Let us know if you are... […]

Tips to Maximize Credit Card Reward Earnings

Link for teaser title:  https://www.wisebread.com/tips-to-maximize-credit-card-rewards Only 38% credit card users are taking advantage of a banking rewards program. Are you... […]

Ask the Readers: What Are Your Favorite Time-Saver Meals?

Editor's Note: Congratulations to Tiffany, P, and Christina for winning this week's contest! Every household experiences those hectic days when there just isn't much time for meal prep, but running out to a restaurant every time that happens can quickly burn a hole in your wallet. Having a few... […]