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 (page 7)

4 Myths About Economic Behavior We Don't Believe Anymore

I have felt vaguely guilty about a nonexistent marshmallow for several years now. This guilt was triggered by the famous Stanford marshmallow experiment, in which psychologist Walter Mischel gave preschool aged children a marshmallow (or other treat) and told them they could either eat the single... […]

How Much Money Do You Need in Savings When Applying for a Mortgage?

You know you need enough money to cover your down payment and closing costs when buying a home. But did you also know that most lenders want to see even more dollars stowed away in your checking or saving accounts before approving you for a mortgage? It's true: Lenders want to know that you have... […]

6 Things Buyers Will Hate About Your House

Selling a house can be a nerve-wracking experience. Not only do you have to deal with the daily stress of having prospective buyers in your home, but you also have to handle the potential feelings of rejection when no offers for your house are forthcoming. Sellers may only see the lifetime of... […]

How the Merger of Marriott and SPG Programs Will Affect Member Rewards

Marriott International bought Starwood Hotels & Resorts Worldwide almost two years ago, but they're just getting around to integrating the two hotel chains' popular loyalty programs in August. Whether you're a loyal Marriott lodger, you're sitting on a mountain of Starwood Preferred Guest (SPG)... […]

Join Our Tweetchat on Thursday 7/26, 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: Saving on Pets! Learn about saving money on pet food, veterinary bills, grooming expenses, and more! Let us know if you... […]

How Student Loan Debt Can Derail Your Future

Mike Meru thought he was making a good investment when he borrowed $600,000 to train as an orthodontist. But at age 37, he now owes $1 million — and despite making regular payments, he owes more every single month. In 25 years, his debt will total $2 million. While seven-figure student debts... […]

Ask the Readers: What Are Your Favorite Brands?

Editor's Note: Congratulations to Deanna, Gina, and Patricia for winning this week's contest! While brand loyalty can cause you waste money on products that aren't worth the price you pay for them, you may have found over the years that some brands are just consistently better than others. What... […]

Investing Is Great, But Saving Is Even Better

When people talk about investing, they often emphasize getting the most return for their money. If they are getting a 7 percent return on their stock portfolio, they'll strive to get 8 percent. If they are already at 8 percent, they'll push for 9 percent or more. Shooting for a high return is... […]

9 Ways Gamers Can Make Extra Cash

If your parents ever told you that playing video games is a waste of time, the joke might be on them. Many video game lovers have turned their passion into profits and anyone can follow suit. While making extra cash on video games is a lot more work than you might initially imagine, here are the... […]

How to Safely Test Makeup Before You Buy

How many times have you bought new lipstick, only to find the color is less than flattering on you? Or maybe you accidentally purchased the wrong shade of blush, making it look like you stepped right out of a bad '80s movie. We've all been there. Makeup can be quite expensive, and you'd hate to... […]