summer

Ask the Readers: What Is on Your Summer Bucket List?

Ashley Jacobs — Tue, 26 Jun 2018 12:40:57 +0000

Editor's Note: Congratulations to Marlene, Maria, and Christie for winning this week's contest!

Summer is a fine time for concerts, fairs, vacationing, and just doing things! No matter where you are, there's bound to be a lot going on and a lot you want to do.

What is on your summer bucket list? What event or activity are you looking forward to the most? Is there any activity that you make a point to do every summer?

Tell us about your summer bucket list and we'll enter you in a drawing to win a $20 Amazon Gift Card!

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Tell us about your summer bucket list and we'll enter you in a drawing to win a $20 Amazon Gift Card!

This article is from Ashley Jacobs of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

12 Cool Travel Items for Your Summer Vacation

Nick Wharton — Tue, 05 Jun 2018 08:30:32 +0000

Winter is finally over, and the summer vacation you've been counting down to has arrived. But before you head out for your trip, you need to pack the right clothing and the right gear. Beyond the basic necessities, you can make your summer vacation more enjoyable by packing these 12 cool travel items. (See also: 8 Credit Card Perks That'll Make Your Summer Travels Easier)

1. Portable power bank

Tech devices have become an essential part of travel gear for most of us. We often use them even more while we're away from home — whether it's following a GPS map on a phone, watching movies on tablets, or reading books on e-readers. Don't run the risk of your devices running out of juice while you're on vacation. Get yourself a portable power bank so you can charge your gadgets on the go. You charge it up before you head out the door, then when you need it you can plug your device in.

2. Filtered water bottle

Often on vacation, and particularly in foreign countries, tap water doesn't meet the same quality standards you're used to. This can mean you end up buying a lot of bottled water. Filtered water bottles are great from both an environmental perspective as they reduce the amount of plastic you use, and also because they save you a significant amount of money. You can fill up from virtually any water source and drink with confidence, knowing that the water you’re drinking is safe. (See also: 5 Low-Cost Travel Items That Can Save You Big On Your Next Trip)

3. Selfie stick

A selfie stick is a must-have accessory for any vacationer these days. They're inexpensive and extremely useful for conveniently snapping great vacation photos. No more pictures with one of the family members missing or having to trust strangers with your camera or smartphone. (See also: The 5 Best Selfie Sticks)

4. Electronic accessories organizer

Why is it that whenever you put a bunch of wires in a bag, they always come out intertwined in an impossibly tangled mess? There's no need to worry about that happening with an electronic organizer. There are separate compartments for all of your cables, chargers, headphones, memory cards and whatever other accessories you have. The organizer will keep all of the wires untangled and give you one easy place to find everything electronics-related.

5. Multitool

A multitool is an unquestionably handy item to take on vacation, as there will always come a time when you need to open a bottle, tighten some sunglasses, or fix something else in a pinch. There are many that are now TSA-approved if you're heading somewhere by plane, and most are small enough to fit in your pocket. (See Also: 13 Essentials Every Emergency Bag Should Have)

6. Portable espresso machine

If you're a coffee enthusiast whose brain doesn't function until you've had your morning cup of joe, this one's for you. You'll never need to worry about finding a decent cup of coffee again. Portable espresso machines are compact, lightweight, and hand-powered so all you need to add is ground coffee beans for the perfect brew. I personally use the Handpresso and it works very well.

7. Flexible tripod

Unlike a traditional, bulky, extendible tripod, a flexible tripod can be configured on pretty much any surface, and they're so small they'll fit in your carry-on bag. Wrap it around a pole, secure it to a tree, or set it up on an uneven surface. They're the best way to achieve a stable base for your smartphone or camera, and can be used with a self timer for when the selfie stick just won't do.

I personally use the JOBY Gorillapod, and it seems to last longer than other similar products on the market. In my experience, many cheaper brands break down with use.

8. Portable backrest chair

Folding seats with backs are ingenious inventions that are little more than a padded mat with two straps attached to keep the seat at a 90-degree angle to the back. But they provide a great backrest for when you're relaxing at the beach, having a picnic in the park, or out camping in the wild. They're also extremely lightweight, and you can carry them anywhere in your backpack or suitcase.

9. Inflatable lounger

These inflatable loungers can be blown up in minutes without an air pump. The compartments are designed to catch the air, so all it takes is a few waves and they fill up, then you fold down the end and secure it in place. These loungers can be used on the beach, in the park, or even in the pool or sea. They pack down to the size of a very small backpack, so it's like being able to carry your sofa with you wherever you go.

10. Sand-free beach mat

If you've ever spent a day at the beach, only to get home with what seems like half of it folded into your beach blanket, then you'll appreciate a sand-free beach mat. These mats have a one-way mesh design, allowing sand to filter out through the microscopic holes rather than staying on top. It's not just for the beach, either. Dirt and water also pass through the mesh, so the mat is great for camping or picnics. It's easy to clean and can be used anywhere outdoors.

11. Camera drone

If you want to snap some super cool shots of your vacation and have a bit of fun while getting them, then a camera drone is the way to do it. The thrill of flying your own mini, unmanned quadcopter is endlessly entertaining.

For ultimate portability, I use the DJI Spark, which takes beautiful cinematic videos and photos that put the iPhone to shame. And you may even be able to make a few dollars from the amazing aerial footage that you capture from it as well. (See also: How to Earn Extra Income With a Drone)

12. Clip-on phone camera lenses

Smartphone cameras are so advanced these days that it's often unnecessary to take a separate camera with you on vacation. But you may still want a bit more from your holiday snaps than your phone alone can provide. Clip-on camera lenses are great for producing different results like wide angle, fisheye, and macro, and can take your smartphone photography to the next level.

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This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Plan Your Best Summer Staycation Ever

Mikey Rox — Mon, 04 Jun 2018 08:00:18 +0000

When an out-of-town escape isn't in your budget, a staycation can provide the R&R you require. The place you live has plenty going on if you know where to look. Start planning your summer staycation today with these tips on how to do a lot while spending very little.

Search for resident-only hotel and activity discounts

Some hotels and resorts have resident-only discounts, especially in the offseason, because they, just like us, need to pay the bills. If they're not listed on the company's websites (they're often not), pick up the phone and call.

If there aren't any resident-only deals, ask about other savings, like AAA, student, military, or senior citizen discounts if any of those apply to you.

Find "Locals Welcome" events at resorts

I've found that many boutique hotels welcome locals to their summer events, if only to build a rapport with year-round residents. For instance, I've stayed at several mini-resorts that offer free cookouts during the summer to which local residents are invited. You can use the pool, grab a burger, and socialize with other staycationers or even out-of-towners if that's your thing. Visit the websites of local hotels to find out what's going on and send a quick email to ask if you're welcome to swing by.

Make your own outdoor adventure

My boyfriend and I have started making our own adventures lately, most recently with a hike through a state park and a hike to a waterfall for an afternoon picnic — and neither of these activities cost us a dime. I'm also a big fan of the Bivy app, which helps you find nearby DIY adventures based on your location. You also should check your town's Chamber of Commerce site, which will likely have plenty of events on their calendar.

Research free or discounted hours at museums

I try to pop into one museum, zoo, or other education center when I visit a new town, but I never just show up and pay the fee. Instead, I look on their websites and social media accounts to see if there are days and times when the doors are open for free.

In New York City, for example, you can access the Museum of Modern Art for free on Fridays from 4 to 8 p.m., and in Houston, the city zoo is open to the public at no charge on the first Tuesday of the month from noon to closing. And if you haven't checked out your local zoo or museum in a while, now's the perfect time to visit. (See also: How to Visit Museums for Free)

Visit your library and browse tourism books of your area

We all have the same thought when planning a staycation: There's nothing to do around here. Not true, and if you take a trip to the library and flip through local tourism books, you'll come up with more than a few ideas on something fun to do that you probably never knew existed in your area. And keep an open mind. The activities you discover might not be what you'd typically do, but push yourself out of your comfort zone. You might be surprised at how much you enjoy yourself. (See also: 7 Modern Reasons to Visit Your Local Library Today)

Go through your coupons and pick a fun activity

If you're a consummate saver like me, you have at least a small pile of coupons — either hard copies or digital — that are waiting to be redeemed. Go through your stash and see what's going on and how you can participate while spending the least amount of cash possible. (See also: 8 Free Things You Can Do on Any Vacation)

Tap into your daily deal sites and apps

Groupon and LivingSocial are still a relevant source of savings, so make sure you check their deals before your staycation. In fact, Groupon recently featured up to 80 percent off its list prices for local activities, which in my area consisted of escape rooms, arcades, spas, obstacle races, yoga classes, pistol ranges, and more.

Give your house a good cleaning beforehand

While saving is a big part of planning the best staycation, so is relaxation, and the only way you'll be able to do that is if everything else in your life is in order, especially your home. When you go away for a traditional vacation, the laundry, dishes, and other chores are hundreds of miles away, but it's much harder to block out these tasks when they're staring you in the face.

That's why I recommend taking care of that business before your staycation starts. Clean the house and get everything else in order — like your weekly grocery trip — so you don't stress yourself out with a to-do list mid-staycation. I'd even suggest hiring a cleaning person to come in and do this for you as a one-time luxury. You're already saving a lot of money by not leaving town, so you won't have to feel guilty by spending a $100 or so to let someone else do the dirty work so you can enjoy some peace of mind. (See also: 4 Ways Outsourcing Chores Can Save You Time and Money)

Skip the bar and invite your friends over to your place

Why meet your friends out at a local bar and spend tons of money when you can invite them to your place for cocktails and games? Plus, your house should be spotless by now, so you can eagerly welcome people in and show it off. If your joint isn't ideal for entertaining, maybe another friend wants to host, or you could all just pack up the snacks and laze around in a local park

Plan a daily itinerary just like you would on vacation

Sometimes my travel itineraries are so full of activities and reservations that I don't have time to breathe. And God bless my poor boyfriend — he's just following me around hoping for a water break.

You don't have to fill your schedule to the brim like I do, but you should create a staycation itinerary so you have a solid plan in place. Otherwise, you'll spend a good chunk of your day trying to find something to do, or worse, you'll lose motivation and end up doing nothing.

Schedule at least one new thing each day

The fun of a staycation lies in the excitement of finding new-to-you things to do without going far, so try to keep it fresh every day.

"Go somewhere you've never been before — maybe a close-by lake, a new hotel, water-park, museum, or attraction," suggests Jamie Harper, family travel blogger at FlyByTheSeatOfOurPants.com. "Even a library or park in a neighboring town will have different offerings of free programs. Go to an outdoor festival or music show. Create a passport for food places you've never been and give yourself stamps once you try them out."

Prepare to disconnect

Disconnecting from our devices to enjoy real life is hard, but you've got to give yourself a break every now and then. Keep the phone around for emergencies, but try to stay off it as much as possible. I find it helpful to delete my social media apps during my blackout period so I'm not mindlessly checking them every three minutes.

If you like to take photos of your adventures, use the camera, but wait until the end of the day or the end of your staycation to share them. Truth is, nobody's on pins and needles waiting to see what you're up to, so the sharing can wait.

Take time to do nothing

Yes, you should get out there and do something during your staycay, but don't be afraid to do nothing, either. If you want to sleep in every day, do it. If you want to veg out on the couch on a rainy afternoon binge-watching shows on Netflix, do that too. Just don't fill your entire time off with things you can and probably already do on a regular basis to waste time or quell boredom. Lounging is OK in moderation, just don't make it the foundation of the staycation, or it won't feel any different from your average day off or nightly routine.

Don't be afraid to spend (some) money

You've saved big bucks by not purchasing airline tickets, and not paying for a hotel room every night — which is hundreds of dollars still in your pocket — so why not splurge a bit?

"Go out to that nice restaurant and order that bottle of wine that you never order," says Byron Ellis, a certified financial planner and founder of Texas-based Doing Money Right. "Pay for upgraded tickets to the show. You deserve it! In the end, you still want to spend much less than if you had gone out of town, but you don't have to make it feel like you are on a budget."

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Money Moves to Make When It's Too Hot to Go Outside

Ashley Eneriz — Mon, 21 May 2018 09:00:30 +0000

The heat wave is coming — are you ready? For many, summer marks the start of vacation season, especially for kids or those who have several weeks off work. While it is good to take a much-needed break, don't get too lackadaisical when it comes to your bank account this season.

Here are a few money moves you should make when it is too hot to do much else. You will be thankful later that you didn't take a vacation from managing your money wisely.

1. Comparison shop insurance plans

When you've had the same auto insurance and home insurance for over a year, you might be stuck in the mindset that you are paying the best price, especially if you shopped quotes the year previously. Recently, my husband and I thought we were getting the best price for our car insurance because it had been the cheapest option for us for the past six years, and we had racked up several discounts for being on the plan so long.

However, replacing our paid-off SUV with a new van and having a minor accident the year before slowly made our rates creep up. I honestly didn't think another company could offer cheaper insurance, but a few quick searches online helped us find the same coverage for $500 less a year.

Bottom line: Don't assume you are paying the best price for insurance just because your plan was the cheapest when you shopped for rates earlier. (See also: Here's How a Claim Will Impact Your Car Insurance)

2. Put investing on autopilot

Don't want to think about investing on your summer break? Me neither. Investing is similar to exercising. Only a select few really love to partake and the rest of us know we must do it to remain (financially) healthy. Thankfully, you don't have to become an expert in the stock market to start investing your money. Instead, try these simple ways to put your investments on autopilot:

Start with setting up automatic deposits from your paycheck into your 401(k) through your employer. If you can set your account to increase your investment by 1 percent each year, you can grow your retirement fund without feeling the monetary sacrifice.
Use an app like Acorns, which rounds up your purchases to the nearest dollar and automatically invests your spare change.
Set up automatic payments to investment accounts. Both Fidelity and Ally offer different online investment accounts where you can set up automatic transfers. While they might require a minimum amount to start the account (i.e. Ally's professionally-managed portfolio account requires $2,500 to open), you can set up small amounts of money to be transferred each week. Think about it. You really won't miss $10 to $20 a week, but setting up the transfer will equate to $520 to $1,040 invested each year.

3. Declutter, sell, and donate

It may be too hot for a garage sale, but that doesn't mean you can't sell some unused items and free up space around the house. Make a game out of decluttering and tackle one small area of your air-conditioned home each day of the week. You can worry about your garage, basement, or attic in the cooler months. Make your decision quickly about what to keep, sell, and donate. Remember, anything you don't use regularly is taking up prime real estate in your home. Don't try to justify a need for it in the future.

If the item is larger, such as a baby swing or chair, list it on Craigslist, OfferUp, or local Facebook selling groups. If the item is easy to ship and can make you more than $10, like designer jeans or an old iPad, list it on eBay. For eBay sales, I schedule postal pickups so that I don't have to deal with the heat and post office lines.

If the item does not sell well locally or through eBay, schedule a donation pickup. Fill up a box of unwanted goods, schedule a pickup with a local second hand store, leave it on your porch, and save the donation slip for tax season. Finally, enjoy a large glass of lemonade in your decluttered home. (See also: 11 Easy Ways to Earn More on eBay)

4. Review your credit reports and credit score

Plan to get your credit in tiptop shape this summer, especially if you hope to purchase a car, home, or open a new credit card in the near future. An excellent credit score will save you money on lower interest rates.

First things first, order a free copy of your credit report through AnnualCreditReport.com. You are entitled to three free copies — one each from Experian, Equifax, and TransUnion — every year. Check the report for inaccuracies and make sure everything looks as expected. (See also: How to Read a Credit Report)

Next, order your credit score. You can purchase your FICO score from myFICO — it will run you about $19.95 a piece from each of the three credit bureaus. You can also get a good idea of what your score is through free sites like Credit Karma and Credit Sesame, or through credit cards that offer free credit scores.

Note that these free scores often have their own metric for credit scoring, and that number may differ slightly from your official FICO score, which is what most lenders use when determining whether or not to approve you for credit. Still, a free score will give you a good ballpark estimate of where your score stands. (See also: I Checked My Credit Score in 11 Places — Here's What I Learned)

What I like about both Credit Karma and Credit Sesame is that they will show you which areas you need to improve to boost your score. For example, if your credit usage is too high, the site may recommend that you boost your score by paying off debt and/or increasing your credit limit, either by opening up a new card or asking for a limit increase. Of course, be aware that asking for a credit increase and opening up a new card can be reported as hard inquiries on your credit report, and too many hard inquiries can negatively affect your credit score. (See also: 5 Ways to Improve Your Credit Score Fast)

5. Start your holiday savings fund

Even though Thanksgiving and Christmas are months away, they are coming, and they will be costly. Avoid the holiday debt trap or credit card hangover by saving way ahead of time. If you start in June, you have six months to build up a savings fund without the stress. Calculate how much you spent on Thanksgiving and Christmas/Hannukah/Kwanzaa the year before, and use it as a guideline for how much you should save.

For example, if the winter celebrations cost your family $1,000 between food shopping, decorations, presents, and outfits, divide that number by six and aim to save that much each month. It is much easier to save $167 each month for six months than to try and find an extra $1,000 in your budget between November and December. (See also: Avoid These 5 Common Holiday Budget Pitfalls)

Don't waste your summer months wishing you were on a beach somewhere or enviously looking at friends' and co-workers' vacation pictures. Instead, work on your finances with these easy steps so that you can be the one enjoying a debt-free vacation next year.

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This article is from Ashley Eneriz of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Money Tips: Cheap Ways to Keep Your Car Cool in Summer

Amy Lu — Mon, 14 May 2018 08:31:14 +0000

Welcome to Wise Bread's Best Money Tips Roundup! Today we found articles on cheap ways to keep your car running cool in the summer, tips for hosting a guest with dietary restrictions, and ways to make you wedding better for your guests.

11 Ways to Make Money While at the Beach This Summer

Mikey Rox — Mon, 07 May 2018 09:01:12 +0000

Whether you live near the beach, or just plan on spending the summer at one, you'll need steady income to make the most of your sunny days. From dog-watching, to baby-sitting, to selling sunscreen by the seashore, here are some clever ways to make a few bucks while having fun in the sun.

1. Pet-sitting

I started watching dogs through Rover.com to supplement my income a few years ago — and my "business" has steadily grown ever since. My bookings dramatically increase in the summer as a result of all the vacationers coming to town with their fur babies. They get to relax and enjoy the beach and boardwalk without their animal for a few hours (or even overnight), while the pup gets to play at a local "yappy hour" (basically a dog run with a bar) where I take all my clients' dogs to make new friends and expend their energy.

I charge a reasonable $39 per night, per dog fee ($25 for anything less than 24 hours of sitting during the day), which is honestly the easiest money I've ever made. There's not a whole lot of actual "work" involved and it brings me joy just to be around the dogs. (See also: How to Make $400+ a Week as a Pet Sitter)

2. Teaching fitness classes

I have a couple friends who have taken to the beach to build their personal fitness programs, and they've got a full schedule of clients during peak season. If you have the skills, certifications, and insurance to offer this type of service, pursue it. Hunter Healy, a beach-based group fitness instructor in Garden City, South Carolina, has found this type of business quite rewarding.

"The beachside facet has been the 'It' factor when finding and securing clients," he says. "Rain? No problem! We move to under the pier. I partner with several local tourist attractions as well as hotels to market my individual and group sessions to weekly travelers. This business has given me the ability to be active and do what I love in the best office I could ask for — the beach!"

3. Local event staff

There's always something happening in beach communities during the summer months — concerts, bonfires, surf competitions, volleyball tournaments, 5Ks, and more. These activities and events need staffers to ensure they go off without a hitch, and you could be the perfect candidate. Visit specific entertainment venues to inquire about available jobs. You also might want to pop into the local Chamber of Commerce to find out who the producers of events are if you can't readily pinpoint or get a hold of them.

4. Micro-subletting your home

Vacationers need a clean, convenient place to stay at the beach, and many families can't afford the local hotels in the high season. This is precisely how vacation rental services Airbnb, HomeAway, and VRBO became household names, and I've been taking advantage of this rental market since the very beginning.

If you live in a beach town, you can rent your extra room or space to tourists who need a place to crash. Based on my own success, this revenue source can really bring in big bucks if you do it well. Local laws are starting to prohibit homeowners from making money in their homes by being hosts, so check up on the regulations in your area before diving into micro-subletting. (See also: 5 Easy Ways to Make Good Money From Airbnb)

5. Driving for Lyft or Uber

Besides sunbathing on the beach, one of vacationers' favorite pastimes is drinking — and once they get good and sloshed, they're gonna need rides home. Depending on how active your beach area is, you can make serious money during the summer driving for ride-sharing services like Lyft and Uber, especially between 10 p.m. and 3 a.m. on weekends.

I've made upward of $130 on single-fare, 20-mile trips when the bars close. I actually think of this side gig as a twofold benefit — not only am I making money, but I'm preventing myself from spending money on Friday and Saturday nights by not going out partying myself, which is often a significant cost when I'm ready to do it to it. (See also: 7 Ways to Earn Extra Money With Your Car)

6. Monetizing your driveway or yard

My beach town has very limited parking, which is a major annoyance for residents on summer weekends. But you can work this in your favor if you have yard or driveway space close enough to attractions.

People will absolutely pay a reasonable fee to park in your monitored space instead of driving in circles for 20 minutes waiting for someone to leave another spot for which they'll also have to pay. I think a sweet spot to charge is between $15 to $20 per four-hour period, then $5 per every additional hour after that up to $40 for a 24-hour period. (See also: How to Turn Your Backyard Into a Moneymaker)

7. Selling sunscreen, water, and snacks on the beach

Beachgoers forget and/or run out of sunscreen while on the beach, at which point they have to visit a store that sells it at "vacation cost" or live without it for the day, which is quite dangerous. Take advantage of this market and walk the beach offering bottles of sunscreen plus bottles of water and snacks. You'll make a killing. A word of warning: You may need a license in certain areas.

8. Provide a metal detecting service

A good metal detector will only cost you around $100 or so, but you can recoup that cost almost immediately by renting out the device or your searching services to vacationers who have lost valuable items on the beach, like wallets, rings, and keys. I would start with Craigslist, posting daily about your service (that's the first place out-of-towners will look), but also just walk the beach with your detector in hand. You'll probably drum up business right then and there by just being visible. Ten dollars an hour to rent or $30 per find sounds like a reasonable place to start pricing. (See also: 9 Ways to Make an Extra $1,000 This Summer)

9. Cleaning houses

I have houseguests a lot during the summer, and I don't always have time to clean my home. I sometimes hire a housekeeper to do the heavy lifting. Offering your own house cleaning services in a beach community during the summer should be a boon, as I'm sure there are plenty of homeowners in a similar situation as mine.

The key to building this business with repeat customers and referrals is to come prepared, clean like you mean it, pay attention to detail, and price your service reasonably. My suggestion is $20 to $25 an hour. Most people are willing to pay for the convenience if the price is in this ballpark.

10. Baby-sitting

Moms and dads want to have fun on vacation, too, so they may be looking for a baby-sitter during their stay. They probably won't know anyone in the area, so you might find it beneficial to list your services with some of the popular websites and apps that parents prefer, like Care.com and Sitter. (See also: 9 Summer Side Gigs for Grown-Ups)

11. Rent portable chargers

Invest in five to 10 portable chargers from various electronics and mobile phone makers, set up a little stand on the boardwalk, and watch the cash flow in. No brainer.

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Things to Do Now to Prepare Your Home for Summer

Rachel Slifka — Mon, 30 Apr 2018 08:00:13 +0000

With the summer season approaching, your mind may be on family vacations, lounging at the beach, hosting barbecues, and soaking up the sun as often as your day job will allow. But summer weather can be pretty extreme in many locations all over the country, and the world. Is your home ready for the heat? Get your home into tiptop shape before summer's arrival by following these five tips.

1. Tune up your air conditioner

Before the heat arrives, take time now to ensure that your air conditioner is in perfect working condition. You can start by replacing your air filter and cleaning the area around the air conditioning unit and vents. Try running your air conditioner to see if it is cooling your home effectively. If it isn't working efficiently, you will probably want to call in an HVAC professional. They can do a detailed check to look for any leaks or defects in your A/C unit.

Now is also a great time to consider installing a programmable or smart thermostat. Not only do they help you save energy, but also they can save you significant money down the road since you can program the A/C to run only when you want it to. (See also: 34 Smart Ways to Cut Your Electric Bill)

2. Safeguard against water damage

Along with the heat comes rain, and occasionally, rainstorms can turn dangerous and disastrous.

Be sure to protect your home against flooding and storm damage by checking your home's foundation. Specifically, you'll want to check out your basement. Look for cracks or holes and seal accordingly. Make sure that your gutters are cleaned and that water is flowing away from your home, not to it. Finally, don't forget to inspect your roof to check for broken shingles, cracks, and warping. If you suspect your roof needs some repair, it's a good idea to call in the professionals and get quotes on how much it'll cost to fix the damage before it gets worse. (See also: 8 Easy Home Maintenance To-Dos for Spring)

3. Bug-proof your home

Nothing is worse than having a house infested with insects come summertime. Since bugs are trying to escape the heat themselves (or they're after the crumbs you leave on the counter), they often find comfort in your nice, cool home. It's also the time of year they enjoy the most, as many insects are unable to thrive during the cold winter months.

You can work to prevent this by ensuring that your home is properly sealed. Take a look at your windows and doors to see if there are any gaps or cracks and caulk closed if necessary.

You may also want to consider bringing in a pest control specialist to spray the outside of your home with insecticide. Many pest control companies offer natural solutions to safeguard your home against unwanted visitors. There are also many pest control products that you can use on your home, without having to hire a professional. (See also: 6 Cheap Ways to Get Rid of Household Pests)

4. Dust and switch your ceiling fans

After winter, your ceiling fans have likely collected a considerable amount of dust. Take the time to dust and wash them. One trick to prevent dust from getting everywhere is to use an old pillowcase to clean the ceiling fan blades, which allows you to collect the dust inside the pillowcase.

Further, consider switching the direction of your ceiling fans. Ceiling fans are actually created to spin in different directions depending on the season. During the summertime, ceiling fans should rotate counterclockwise to promote air movement.

5. Create a storm emergency kit

No matter where you live, you're probably at some risk for severe weather. Prepare yourself now by creating a storm emergency kit to have on hand in the event of dangerous conditions.

Creating a storm kit doesn't have to be complicated or expensive. Put a small plastic container together containing emergency items, such as a small first aid kit, a flashlight and batteries, bottles of water, canned food and a can opener, duct tape, cellphone chargers, and a hand-held radio. (See also: 13 Essentials Every Emergency Bag Should Have)

Hopefully, you won't have to use much of your kit, but the peace of mind it provides makes it worth every penny.

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5 Money Goals You Can Achieve This Summer

Rachel Slifka — Fri, 27 Apr 2018 08:00:17 +0000

With summer right around the corner, you might be thinking about travel plans, backyard barbecues, and spending time with friends and family. Summer feels like the vacation we've all earned after enduring colder, drearier months — and that can lead to us slacking off in a very important area: money.

It's time to change your thinking. Summer can be the perfect time to tackle some of your financial goals. Here are some to consider working toward over the next few months.

1. Start an emergency fund

When disaster strikes, an emergency fund can protect you, your family, and your finances. This is money set aside for an unexpected but major expense like a job loss, medical bill, or costly car repair.

How much money should you have in your emergency fund? It can depend on a few factors, such as your lifestyle and income, but a good goal to strive for is typically three to six months' worth of daily living expenses — or a year's worth if you're single or in a high-paying job.

You may not be able to build this entire fund overnight, but you can make some serious progress this summer. Set up automatic contributions from your paycheck into a savings account — a few hundred dollars a month is a great start. You'll thank yourself if there's ever a catastrophic financial emergency. (See also: 5-Minute Finance: Start an Emergency Fund)

2. Boost your bottom line

Most of us could use a little extra cash during the summer. Longer days and warmer weather may have you spending more time (and money) hosting cookouts, taking road trips, and hitting the town. Not to mention with the kids home from school for the next three months, the blow to your budget is imminent. How can you combat this inevitable cash crunch? Get a side hustle.

There are hundreds of ways you can earn money through a side gig. You could pick up a part-time shift at a restaurant, offer to baby-sit or pet sit, or even start your own blog or small business. Your options are endless.

Side hustle income can improve every single area of your finances. It can help you to pay off debt faster, save more, and give you a little extra room in your budget every month. (See also: 14 Best Side Jobs For Fast Cash)

3. Start saving more for retirement

While you're lounging in the backyard hammock, take the moment of downtime as a perfect reminder of a major financial concern — retirement. Are you on the path to being able to retire when you are hoping to?

Set a goal this summer to catch up on your retirement contributions. Even contributing just one more percent of your income into your 401(k) will boost your savings goals with very little effort on your part. (See also: 7 Retirement Planning Steps Late Starters Must Make)

4. Track your spending

Everyone knows that budgeting can help people reach their financial goals, but many people still don't bother to track their spending every month. Tracking your spending has traditionally been an arduous task, but with technology, it's become much easier. Now you can use free apps, like Mint, that will automatically track your spending for you. You can set your budget for each category, and the app will tell you where you have overspent.

Take the time this summer to find a way to track your spending. Whether you like the tech route or you're an old school Excel spreadsheet lover, it's all about finding what works for you and sticking to it. (See also: Stop Using These 5 Excuses Not to Budget)

5. Pay off debt

While you might not be able to become entirely debt-free this summer, you can set a realistic goal of how much debt you would like to pay off.

Give yourself a starting day and a deadline. Take the total amount of your goal and divide it by three months to calculate how much you need to pay off per month. Then, take a look at your budget and figure out where you can come up with the additional cash. Do you need to cut some line items out entirely? When you set a goal and stick to it, you might be amazed at what you can accomplish this summer. (See also: 7 Easy First Steps to Paying Off Debt)

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Flashback Friday: 75 Cheap Ways to Enjoy the Final Days of Summer

Chrissa Hardy — Fri, 11 Aug 2017 08:30:09 +0000

The summer will soon come to an end, which means saying goodbye to eating frozen treats on sticks, hours and hours of sunshine, and wearing big floppy hats. So sad. But instead of mourning the summer that's passed, we should be spending every moment enjoying the time we have left. Here's how to do it on the cheap.

23 Cheap Summer Date Ideas — There are still a few weeks left to head to the drive-in, grab an ice cream cone, or head to the beach with your boo. And without the need for an expensive meal or fancy setting, each date option will be well within your budget.

Great Summertime Grilling for Any Budget — When you think of food sizzling on the grill, you think of prime cuts of steak. While steak is always delicious, there are plenty of other edible options for delicious summertime grilling, including fruits and veggies.

How to Make Your Favorite Summer Produce Last All Year — Herbs, fruits, and vegetables that are in season during the summer will soon disappear from your local grocer's produce section. However, you can stock up on those fresh summer foods now, preserve them, and chow down on them all year long.

6 Cheap Ways to Entertain Your Kids This Summer — The kids won't be back in school for a couple weeks, so you still need ideas to keep them busy and happy. Look no further! I mean, who doesn't love a water party?

10 Ways to Make This Your Most Productive Summer Yet — You wanted this to be productive summer. There's still time to make it so. Get out that to-do list and make these final weeks count.

6 Summer Party Ideas That Won't Break the Bank — Labor Day is fast approaching, and if you're hosting a party, you'll need to get your decorations and menus prepped in the coming days. Luckily, these party ideas are budget-friendly, and will be a big hit with everyone in attendance.

This article is from Chrissa Hardy of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

The 5 Best Bladeless Fans

Andrea Cannon — Wed, 09 Aug 2017 08:00:10 +0000

If you're looking for a new cool-off experience, look no further than a bladeless fan. Bladeless fans don’t have dangerous rotating blades, so they’re easier to clean and safer to use around kids and pets. They are also typically quieter and more energy efficient than traditional fans.

What is a bladeless fan?

A bladeless fan, or air multiplier, blows air to cool a room without the use of external blades. Typically, they actually do have blades, but they are hidden inside the stand. (See also: The 5 Best Fans)

Top 5 bladeless fans

Dyson Air Multiplier Table Fan

The Dyson Air Multiplier Table Fan uses air multiplier technology for powerful, uninterrupted airflow. It is lightweight, powerful, and features a soft touch button and sleep timer with preset intervals ranging from 15 minutes to nine hours. It pivots on its own center of gravity and offers high-velocity air projection thanks to one-touch smooth oscillation. It is 75 percent quieter than previous designs thanks to streamlined air channels and reduced airflow turbulence. It is also energy efficient and uses 30 percent less energy than previous models.

This includes a remote control with 10 precise airflow settings, sleep timer, and oscillation control. The remote is also curved and magnetized, so you can easily store it on the fan. The fan is recommended by PCMag and is backed by a two-year parts and labor warranty.

Currently $249.99 on Amazon

Lasko Air Logic Bladeless Tower Fan

The Lasko Air Logic Bladeless Tower Fan offers great air output thanks to ion technology. It has four speed settings, an eight-hour timer, widespread oscillation, and EZtouch controls. The exclusive cool channels and patented blower offer 30 percent more airflow than traditional tower fans. It is sturdy, portable, modern, and has a small footprint.

This includes a remote control and a permanent washable filter. It is frequently recommended and highly rated online.

Currently $94.27 on Amazon

Sharper Image White ETL Certified Tower Fan

The Sharper Image ETL Certified Tower Fan has three fan speeds with natural wind and sleeping modes. It features oscillation, a timer, and a touch control panel with LED display. It uses 60 percent less energy for an energy efficient option.

This includes a remote control and a detachable air filter. It has outstanding online reviews and is frequently recommended online.

Currently $89.29 on Amazon

Turcom AirLight LED Desk Lamp With Bladeless Cooling Fan

If you’re looking for the perfect addition to your office, bedroom, or dorm room, you won’t find better than the Turcom AirLight LED Desk Lamp With Bladeless Cooling Fan. It’s ideal whether you’re reading, studying, or working.

The bladeless three-speed fan features sensor touch buttons, adjustable dimmable light, and non-flickering soft illumination. The fully-adjustable, flexible gooseneck design offers 240-degree tilt and 90-degree twist, so you can point the airflow in whichever direction you like. It’s quiet and offers a smooth stream of continuous air flow. The touch-sensitive light panel has state-of-the-art light emitting diode technology and 32 pieces of eco-friendly LED light modules, designed for eye protective lighting. The energy-efficient light has 500 lux of brightness and consumes only 12 watts of power.

This includes a washable fan air filter and is backed by outstanding online reviews. The eco-friendly LEDs last over 20 years, saving you money and providing a great value. This also promises a 15-year life span and has a one-year warranty.

Currently $42.99 on Amazon

Dyson Air Multiplier Tower Fan

If you need something larger than a table fan, you won’t find better than the Dyson Air Multiplier Tower Fan. The popular fan is lightweight, energy efficient, and uses 10 percent less energy than previous models. The oscillating tower fan uses air multiplier technology for powerful, uninterrupted airflow. It is 60 percent quieter than previous designs thanks to streamlined air channels and reduced airflow turbulence. It features an LED digital display and a sleep timer with preset intervals ranging from 15 minutes to nine hours.

This includes a magnetized remote control with 10 precise airflow settings, sleep timer, and oscillation control. It is available in three colors and is recommended by ConsumerSearch and TechRadar.

Currently $319.99 on Amazon

And those are our recommendations for the best bladeless fans. As always, be sure to check Wise Bread's Buying Calendar to learn when and how to buy just about anything!

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How to Keep Your Pets Cool During a Heat Wave

Amanda Meadows — Fri, 04 Aug 2017 09:00:05 +0000

Summer is here and the weather is hot. Those of us with pets get worried about keeping them from overheating, especially while we're at work. Here's how to keep your pets safe, healthy, and comfortably cool during a heat wave.

1. Prioritize hydration

During the rest of the year, just two or three water bowl changes is enough. But during the hot months, you'll not only want to refill regularly, but you should also consider adding bowls with cold water throughout the house, especially if you live in a large home. This will offer your pets easy access to hydration when the high temps make them sluggish.

2. Learn to spot heatstroke

One of the most important things to know is how to spot the signs of heatstroke in an animal. Are they panting or drooling a lot? Are their gums red? Get them a damp cloth, some cold water, and get them to a vet as soon as possible, as heatstroke can be deadly.

3. Create shade

Keeping the hot rays of light from shining down on your pet will help prevent them from overheating. It will also keep your indoor temperature down. Try closing the blinds and your curtains when the sun is out, especially when you are about to leave the house. Also ensure you have set up a shady area in your yard for outside time.

4. Trim, but don't shave

Worried all their fur is making them uncomfortably hot? Well, remember that dogs and cats have a special layer of insulating fur that not only keeps them warm during winter months and harsh weather, but also protects them from excess sun exposure and superficial injuries. Take them to the groomer to give them a cute summer haircut, but do not shave all the way to the skin. (See also: 6 Money Lessons You Can Learn From Your Pets)

5. Keep the A/C and fans running

You don't need to keep the A/C on for the entire house. Keep your pet's favorite spot cool with a portable air conditioning unit or simply a fan to keep the air circulating, so your beloved furry companion isn't languishing under sweaty, stagnant air.

6. Apply a damp cloth

If you notice your pet might be overheating, a fast way to get them cooled off is by applying a cool, damp cloth to their body, face, and paws. You might need to do this a handful of times throughout a hot day, but your pet will experience some instant relief.

7. Keep them indoors

Outdoor time is important for dogs, but make sure that when it's above 90 degrees, that they have plenty of time indoors. If you need to leave your dog in the yard while you're away, make sure you've set up a shady area with lots of water where they can rest.

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The 5 Best Beach Umbrellas

Andrea Cannon — Thu, 06 Jul 2017 08:00:11 +0000

Getting some sun is a great way to increase your vitamin D intake and experience an array of health benefits. However, it’s important that you protect your skin to ensure you don’t potentially damage it and compromise your health. The journal JAMA Dermatology recommends using more than one sun safety strategy at a time, and a beach umbrella can provide the protection you need from the sun’s harmful UV rays.

What is a beach umbrella?

A beach umbrella is a large umbrella that can provide portable shade and sun protection. It can make outdoor activities more enjoyable by protecting you from the sun, so it’s a must-have for any avid pool and beach goer.

Top 5 beach umbrellas

Tommy Bahama Sand Anchor Beach Umbrella

Amazon’s #1 best-seller in patio umbrellas, the Tommy Bahama Sand Anchor Beach Umbrella is one of the best umbrellas on the market. It features special aluminum undercoating to protect against the sun's harmful rays. It also has a wind vent and a sand anchor to secure your umbrella with a simple twist.

This comes with a tilt and telescoping pole and is available in a range of colors. It is recommended by NY Mag and has hundreds of five-star reviews on Amazon.

Currently $46.99 on Amazon

Sport-Brella Portable All-Weather and Sun Umbrella

This portable umbrella kit has everything you need for a day at the beach, beginning with the Sport-Brella Portable All-Weather and Sun Umbrella, which is more than your average beach umbrella. It’s more like a beach umbrella, sun tent, and rain shelter in one. It provides instant shade and sun and weather protection. It can be set up like a dome or canopy in seconds.

The lightweight, durable eight-foot canopy umbrella provides oversized coverage without restricting your view. With UPF 50+ maximum sun protection, it blocks 99.95% of UVA/UVB rays. The large canopy has side panel zippered windows for additional ventilation, internal pockets, and an adjustable pole for stability. It is made of durable, water-resistant 210-D polyester that won’t rip or tear. It is supported by 4.5mm steel ribs and a 5 mm steel stretcher, allowing it to stand up to windy conditions. It features added tent flaps for additional protection from rain and wind, and stakes and sandbags for extra security.

This is available in two colors and includes a carrying bag, three tie-down cords, and eight steel ground stakes for extra stability on windy days. It is recommended by NY Mag and The Sweethome and has outstanding online reviews, including over 1,000 five-star reviews on Amazon.

Currently $56.37 on Amazon

EasyGo Beach Umbrella

The heavy duty Rainbow EasyGo Beach Umbrella provides as much shade as a tent. The canopy beach umbrella is height adjustable thanks to a three-hole locking adjustment and double-sided locking pins. It provides extra sun protection thanks to silver UV coating on the inside of the umbrella.

The heavy duty pole system and 16 fiberglass ribs provide additional durability and protection. The weatherproof polyester cover with vented canopy can stand up to wet and windy conditions. It has a lightweight, rust-free pole with height adjustment options and easy push button tilt adjustment to maximize shade.

This includes a carry bag and a heavy duty screw to easily anchor into the ground for maximum stability. It has outstanding online reviews and is also backed by a 30-day refund policy.

Currently $57.99 on Amazon

Frankford Steel Commercial Grade Beach Umbrella

The Frankford Steel Commercial Grade Beach Umbrella easily lifts with a manual push-up device, so you can start enjoying the beach right away. The sturdy, industrial-type canopy umbrella is heavier than standard umbrella fabrics, so it works well in windy conditions. The umbrella's rib pockets are triple layered to prevent tearing. It features 5 mm zinc-plated steel ribs and stainless steel springs. The durable solution-dyed marine grade acrylic fabric has less chance of fading. It also has UPF 50+ for superior protection from the sun.

This comes with a carry bag and an ash wood pole. It is available in a wide range of designs and colors. It is frequently recommended online by publications like NY Mag. It is also backed by a three-year manufacturer's warranty and the fabric is guaranteed against fading for five years.

Currently $175.90 on Amazon

Coolibar UPF 50+ Titanium Beach Umbrella

The Coolibar UPF 50+ Titanium Beach Umbrella can keep you up to 15 degrees cooler in the strongest sunlight. The lightweight, sturdy nylon umbrella offers UPF 50+ sun protection. The outside also reflects UV rays, while the underside absorbs UV rays. The patented double-canopy design has a mesh insert for optimum ventilation. It is made from water-repellent, durable nylon fabric. The heavy duty noncorroding aluminum frame with manual tilt adjustment has lightweight fiberglass ribs and spreaders for additional stability.

This is easy to tote and collapses small. It includes a carrying case and is available in two colors. It is also recommended by Good Housekeeping and is highly reviewed online.

Currently $89.50 on Amazon

And those are our recommendations for the best beach umbrellas. As always, be sure to check Wise Bread's Buying Calendar to learn when and how to buy just about anything!

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Here's How the Right RV and Vehicle Insurance Protects Your Summer Fun

Aaron Crowe — Tue, 20 Jun 2017 08:30:17 +0000

Summer can be a great time to get the big toys out of the garage. Jet Skis, off-road vehicles, RVs, and other expensive forms of transportation can make a summer trip more enjoyable.

Those toys also need insurance to fix or replace them if they're damaged or destroyed in an accident. Here's what you need to know to keep all your forms of transportation protected this summer.

RV insurance

Most owners of recreational vehicles, or RVs, only use their vehicles for a few months a year and may be able to get their existing auto and home insurance policies extended to their RV for those few months a year. But if you live in one full-time or rent an RV, you'll want separate RV insurance. A bank may also require you to have it if you're financing the purchase of the vehicle.

Insurance for an RV isn't as straightforward as auto insurance. Because an RV is essentially a house on wheels, it requires a mix of travel, auto, and home insurance. Your existing auto insurance policy may cover some insurance needs for an RV, but because of the high value of an RV, specific RV insurance will also likely be needed.

An RV insurance policy can provide personal property coverage, which will cover your RV when it's parked at your home and when it's out on the road. Your home or auto insurance policies may cover some things stolen from an RV, but only up to certain limits or on specific items. Expensive camping equipment and a flat-screen TV inside an RV, for example, will likely require extra personal property coverage in an RV insurance policy.

If an entire RV is stolen or damaged in an accident, you'll want full replacement cost coverage. It's offered only for newer RVs, while the actual cash value, or depreciated value, is available for older vehicles. Full replacement coverage can be worth having if you just bought a new RV and don't have the money in the bank to pay for repairs. Without it, the depreciated value may only be covered, and new vehicles depreciate quickly in the first year.

Laws in your state may require a minimum amount of liability insurance, and some also require uninsured and underinsured motorists coverage. You can set the collision and comprehensive insurance limits.

RV insurance averages $550 per year for a motor home and $250 for a trailer that doesn't have a motor. This low cost is partly due to the fact that RV owners are usually more experienced drivers. Age, driving record, and credit score also affect rates.

RV insurance rates will also be affected by how often you drive the vehicle, the type of RV you have, how old it is, where it's stored, and if you use it as a primary home.

Personal watercraft insurance

Personal watercraft insurance, or PWC insurance, is for a Jet Ski or other watercraft that's part boat and part motorcycle. It protects against accidents, vandalism, and liability, regardless if you use the vehicle yourself or loan it to someone else. PWC insurance can be bought as a separate policy or can be added to an existing boat policy.

PWC insurance can cover you in many instances. For example, you may crash into a dock or another boat, causing death or injury. PWC insurance can include bodily injury liability to pay the medical bills of someone you injure in an accident. It can also include property damage liability coverage in case you damage someone else's property. Or, if you let someone else use your personal watercraft and they're negligent — such as by towing water skiers or wakeboarders, or getting too close to other watercraft — PWC insurance could help.

Areas that typically aren't covered include a craft that's been modified to improve speed or performance, after dark usage, and operating a PWC without a valid driver's license.

Depending on the type of watercraft, coverage options, deductibles, and your driving record, PWC insurance costs $300 to $500 per year.

ATV insurance

A standard homeowners insurance policy doesn't normally cover off-road vehicles such as an ATV, golf cart, dune buggy, or dirt bike. It will cover your off-road vehicles when they're on your property — but once the vehicle leaves your property, you're probably no longer covered by a homeowners policy.

ATV insurance can protect the vehicle and owner against liability, collision, and other things. For example, collision coverage can cover the cost of replacing a fence you've hit, and then can pay to repair your vehicle.

Like extra coverage for watercraft, there are two types of liability insurance you may want for ATVs — bodily injury liability and property damage liability.

Comprehensive coverage pays for damage to your ATV during a severe storm or other natural disaster, or if it's stolen.

Annual premiums for ATV insurance range from $99 for bodily injury and property damage coverage to $1,500 for every type of coverage.

Yes, your toys need insurance

However much money you've spent on your summer toys, factor in

their cost and how much liability you're willing to expose yourself to if you cause an accident. Chances are they weren't cheap, and they can cause just as much damage as an accident in a car.

That's what insurance is for — to cover catastrophic expenses you can't cover on your own. Even during the joys of summer that's something worth remembering.

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The Easiest Ways to Save on Your Next RV Camping Trip

Holly Johnson — Fri, 09 Jun 2017 08:30:13 +0000

Camping in a recreational vehicle can be a great way to see the country. You get to experience the great outdoors at campsites in some of the most beautiful areas at a comfort level you just can't get with tent camping. And while you'll pay more to travel in an RV than you would to camp in a tent, there are ways to pare costs down.

RV camping costs

The biggest expense with RV camping is the vehicle itself. Buying an RV isn't cheap, yet there are numerous ways to save on the purchase. For starters, you'll spend less if you purchase a smaller travel trailer or fifth wheel than if you splurge for a larger trailer that sleeps nine or 10.

And if you're willing to buy used, you'll score considerable savings there, too. Just like cars, brand new RVs depreciate at a rapid pace.

Of course, you could always just rent an RV when you need one. Through a website like GoRVing.com, you can search for and compare prices for RV rentals of all sizes, many of which cost less than $1,000 per week.

According to Kevin Broom, spokesman for GoRVing.com, there are additional costs to consider on top of renting or owning an RV. For starters, you'll need to pay for fuel. You'll also need to pay for "amenity kits" that include pots and pans or bedding, unless you want to bring your own. On top of those expenses, you'll need to pay for food and entertainment, just like you would with any trip.

From there, where you take your RV can play a huge role in how much you'll pay. "You can choose to stay in different types of campgrounds — ranging from rustic to luxurious," says Broom.

Some campgrounds are filled with amenities such as jumping pillows, zip lines, pools, fishing ponds, and scheduled activities like gem mining, scavenger hunts, nature hikes, and pancake breakfasts. Some are even located near tourist attractions such as amusement parks, so you can have the best of both worlds: amusement park during the day and a wonderful campground at night. (See also: 7 Things You Should Never Do When Camping)

Saving on RV campsites

If you want to save money, you may need to think outside the box. Why? Because campgrounds with more amenities tend to cost more. It pays to look beyond the highly advertised campgrounds to some alternative options. Here are some of the most affordable places to camp.

State parks

Although options vary dramatically from state to state, state parks offer one of the most affordable ways to camp. Many states offer their own websites or online portals that make researching and reserving camp space easy. You can also use a website like Reserve America to look for inexpensive state camping resources in your area.

You'll pay more or less for your campsite depending on the amenities you select. If you want to bring your RV to a "primitive" camping site without electricity and water, you'll pay a lot less. Sites that feature a "full hookup," on the other hand, tend to cost more.

Still, state parks can make camping affordable. At Brown County State Park in Indiana, for example, you can get a full hookup campsite for just $23 per night during summer. At state parks in Colorado, full hookup sites start at just $28 per night. And at Florida's Big Lagoon State Park, nightly rates for an electric campsite start at just $20. Explore state park options in your area to find the best deal.

National parks

National parks offer another smart option for campers and RV enthusiasts looking to save. While national parks don't necessarily have the amenities of luxury campgrounds, they do offer a closeness to nature that is harder to find elsewhere.

And, depending on the national park, camping costs can be downright cheap. The downside to bringing an RV to a national park is that sites with full hookups are rarely available.

The U.S. National Park Service website makes it easy to compare costs for camping on federal lands. Use the "find a campground" tool to search for national parks with camping space in your area or anywhere you want to take your RV.

At glorious Glacier National Park, for example, you can book nonelectric and electric camping sites for as little as $20 per night. At Crater Lake National Park in Oregon, you can book a no-hookup site for just $31 per night.

Small, "no-frills" campgrounds

Another way to save money when traveling in an RV is to look for smaller, "no frills" campgrounds. There are plenty of options all around the country, but you'll need to search and compare prices to find the right one.

KOA campgrounds are a good place to begin your search. KOA offers three different types of camping experiences to fit anyone's budget — KOA Journey campgrounds located mostly near highways, KOA Holiday camps with more amenities for families, and KOA Resorts, which feature on-site activities, food, and entertainment. (See also: Tips for Camping Cooking)

Prices for the more affordable Journey campgrounds vary dramatically based on location and amenities. You can book a week at the Grand Canyon/Williams Campground in Arizona with full hookups for $411 per week in September, for example. Or, stay in a lower demand area such as Sioux Falls, South Dakota, where you can book a whole week with full hookups for $372.

Shop around before you book

According to Broom, the best step for families seeking cheap camping is to shop around and compare lots of different options. While you search, also remember the golden rule of camping: The more amenities or "perks" a campground has, the higher the nightly rates.

And, if you're facing sticker shock, keep in mind that RV camping is just a lot more expensive than tent camping in general. Not only do you need a larger site when you have an RV, but you'll always pay more to hook up to electricity and water. The larger your RV, the more these charges typically cost.

At the end of the day, RV camping can be as cheap or as expensive as you make it. The best way to keep costs under control is to choose your RV wisely, pick your camping stops carefully, and plan ahead.

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The 5 Best Portable Fans

Andrea Cannon — Wed, 07 Jun 2017 08:00:13 +0000

When summer hits, you’ll want a portable fan that you can carry around wherever you need it most. It can cool the air around you and improve ventilation without taking up any space.

What Is a Portable Fan?

A portable fan is a cooling device that can be easily moved from place to place. It can be powered by batteries, a USB cord, or a wall plug, depending on which model you choose.

Portable fans won’t necessarily replace your favorite fan. Instead, they are ideal for the home, office, travel, or outdoor activities. (See also: The 5 Best Fans)

Top 5 Portable Fans

O2COOL 5-Inch Portable Fan

Amazon’s #1 best-seller in personal fans, the O2COOL 5-Inch Portable Fan features two powerful, quiet speeds and tilts for directional air flow. The battery-operated fan has a compact folding design, which makes it ideal for the home, office, or outdoors. It is available in two different colors and runs on two D batteries. It has outstanding online reviews, including thousands of five-star reviews on Amazon. If you’re looking for something larger, the O2COOL 10-inch Portable Fan with AC Adapter is another great choice.

Currently $7.99 on Amazon

Travelon 3-Speed Folding Fan

The Travelon 3-Speed Folding Fan can serve as the perfect desk fan, or you can wear it around your neck, making it ideal for both indoor and outdoor use. The sturdy fan is compact and has three quiet speeds. It features directable airflow and finger-safe plastic blades for enhanced usage. It is built to last and runs on four AA batteries (not included). It has outstanding online reviews, including hundreds of five-star reviews on Amazon.

Currently $10.45 on Amazon

Holmes Lil' Blizzard 8-Inch Oscillating Table Fan

The Holmes Lil' Blizzard 8-Inch Oscillating Table Fan is ideal for desk or tabletop use. The low profile fan can adequately cool a medium-sized room thanks to two powerful speed settings. The multidirectional oscillation function cools larger areas more quickly and efficiently. It’s quiet, but can also provide some good background noise (if you need white noise in your bedroom or office). The advanced blade system and adjustable tilt head offer focused cooling power. The compact, lightweight fan has a removable front grill for easy cleaning and plugs into the wall for easy usage.

Consumer Search calls this the best cheap desk fan. It is recommended by The Sweethome, is an Amazon best-seller, and has nearly 600 five-star reviews on Amazon. It is also backed by a one-year limited warranty for your added peace of mind.

Currently $17.62 on Amazon

Lasko 4000 Air Stik Ultra-Slim Oscillating Fan

The Lasko 4000 Air Stik Ultra-Slim Oscillating Fan moves around an ample amount of air in any small room. The sleek fan is quiet, compact, and lightweight, so you can easily carry it from one room to another. It features an oscillating function, LED-illuminated electronic controls, and two quiet speed settings. It plugs into the wall for easy usage. Most reviewers agree that this is the perfect durable desk fan. It is an Amazon best-seller and has more than 900 five-star reviews on Amazon.

Currently $22.47 on Amazon

VersionTech Multipurpose Collapsible Portable Fan

Amazon’s #1 best-seller in decorative folding fans, the VersionTech Multipurpose Collapsible Portable Fan is the ideal folding fan. It has three speed settings, providing generous air flow. The 180-degree folding handgrip design, compact shape, and removable clip design make it the perfect desktop or handheld fan. The durable fan is powered by a replaceable battery or the included micro USB charging cable. It is available in three colors, is an Amazon best-seller, and is frequently recommended online.

Currently $13.99 on Amazon

And those are our recommendations for the best portable fans. As always, be sure to check Wise Bread's Buying Calendar to learn when and how to buy just about anything!

This article is from Andrea Cannon of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

summer

Ask the Readers: What Is on Your Summer Bucket List?

Win 1 of 3 $20 Amazon Gift Cards

Giveaway Rules:

12 Cool Travel Items for Your Summer Vacation

1. Portable power bank

2. Filtered water bottle

3. Selfie stick

4. Electronic accessories organizer

5. Multitool

6. Portable espresso machine

7. Flexible tripod

8. Portable backrest chair

9. Inflatable lounger

10. Sand-free beach mat

11. Camera drone

12. Clip-on phone camera lenses

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How to Plan Your Best Summer Staycation Ever

Search for resident-only hotel and activity discounts

Find "Locals Welcome" events at resorts

Make your own outdoor adventure

Research free or discounted hours at museums

Visit your library and browse tourism books of your area

Go through your coupons and pick a fun activity

Tap into your daily deal sites and apps

Give your house a good cleaning beforehand

Skip the bar and invite your friends over to your place

Plan a daily itinerary just like you would on vacation

Schedule at least one new thing each day

Prepare to disconnect

Take time to do nothing

Don't be afraid to spend (some) money

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5 Money Moves to Make When It's Too Hot to Go Outside

1. Comparison shop insurance plans

2. Put investing on autopilot

3. Declutter, sell, and donate

4. Review your credit reports and credit score

5. Start your holiday savings fund

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Best Money Tips: Cheap Ways to Keep Your Car Cool in Summer

Top 5 Articles

Other Essential Reading

11 Ways to Make Money While at the Beach This Summer

1. Pet-sitting

2. Teaching fitness classes

3. Local event staff

4. Micro-subletting your home

5. Driving for Lyft or Uber

6. Monetizing your driveway or yard

7. Selling sunscreen, water, and snacks on the beach

8. Provide a metal detecting service

9. Cleaning houses

10. Baby-sitting

11. Rent portable chargers

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5 Things to Do Now to Prepare Your Home for Summer

1. Tune up your air conditioner

2. Safeguard against water damage

3. Bug-proof your home

4. Dust and switch your ceiling fans

5. Create a storm emergency kit

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5 Money Goals You Can Achieve This Summer

1. Start an emergency fund

2. Boost your bottom line

3. Start saving more for retirement

4. Track your spending

5. Pay off debt

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Flashback Friday: 75 Cheap Ways to Enjoy the Final Days of Summer

The 5 Best Bladeless Fans

What is a bladeless fan?

Top 5 bladeless fans

Dyson Air Multiplier Table Fan

Lasko Air Logic Bladeless Tower Fan

Sharper Image White ETL Certified Tower Fan

Turcom AirLight LED Desk Lamp With Bladeless Cooling Fan

Dyson Air Multiplier Tower Fan