Money Tips Network
10 Things Americans Waste Money On
Dave Ramsey lists 10 things Americans waste money on as follows:
1. Credit card interest
2. Deal websites
3. Appetizers
4. ATM fees
5. Overdraft fees
6. Speedy shipping
7. Designer baby clothes
8. Unused gym memberships
9. Premium cable packages
10. Daily coffee trips
Personally, I think some of these are wastes (like #1) and others are just personal preferences (like #3). I'm much more "spend your money however you like as long as you still save a bundle" today than I was a few years ago. Everybody has things they like and things they don't. So as long as they practice moderate and selective frugality, it all works out for the best IMO.
That said, here's how I rank on these:
The 6 Youngest Entrepreneurs to Make It Big
Kids these days.
…are super rich. Just when you think getting a job couldn't get any more competitive, a 17-year old invents a mobile application that Yahoo buys for an undisclosed amount. And he is not alone. Children and teenagers around the country are getting up earlier than ever to get that worm.
Here are six of the youngest entrepreneurs to make it big.
15 Easy Fall Pizzas
Do you eat a lot of pizza? I know we do. So does the rest of America (roughly 93% of Americans eat pizza at least once per month).
But I confess: I prefer more interesting, healthy pizza, rather than the greasy, fast-food-type. Also, being naturally frugal, my preference is to make my own. This is where using fall produce comes into play — it is always to your budget's benefit to use fruits and vegetables that are in season. (See also: This Is How You Make Restaurant Quality Pizza at Home)
However, dinner recipes have to be easy. These are.
Best Money Tips: Convince Your Partner That Frugality Is the Way to Go
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some stellar articles on convincing your partner that frugality is the way to go, things you're spending too much money on, and saving at Ikea.
Top 5 Articles
13 Ways to Convince Your Partner That Frugality Is the Way to Go — To convince your partner that frugality is the way to go, establish a plan for short term goals. [And Then We Saved]
Best Deals for Thursday 09/04
Link for teaser title:
http://www.wisebread.com/bestdeals/today
Levi's Sale: Up to 71% off, 50% off TOMS Women's Shoes at Nordstrom, Virgin America Sale: Nationwide 1-way fares from $54, and more!
Wages Are Rising — Here’s How to Get Your Cut
Thankfully, after wage levels remained stagnant for many years, wages are finally rising! Annual gains could hit 4% by 2017.
That said, employers are still conservative and not rushing to pay you more. Here are some helpful tips on getting your share.
Ten Steps To Turn Financial Disaster Into Financial Independence
Last year, I was invited to contribute to a collaborative book on personal improvement. Each contributor – there were ten or so of us – was charged with writing a section on one aspect of self-improvement. Mine, naturally, was personal finance, so I started to write a ten step guide to turning one’s financial situation around. Earlier this year, the publisher went out of business. After sitting on my portion of the book for six months, I’m sharing the basics of the book section with you. Enjoy!
76% of Americans are living paycheck to paycheck.
50% of Americans have less than three months of living expenses in total savings.
26% of Americans have no savings at all.
9 Problems You Can't Solve With Money
No matter how limitless your budget and how strong your arm, there are certain times when throwing money at a problem simply won't help. So take a look at the list below and ask yourself: Are you facing a situation whose solution might require thought and effort, as opposed to more bankroll? (See also: Your Money Problems Are Your Own Fault)
1. A Failed Relationship
A lot of relationships founder on the shoals of money issues, but even those can't be healed by throwing money at them — what they need is mostly better communication plus a generous dollop of willingness to compromise. And if the relationship problems aren't related to money, throwing money at it won't help at all.
Why I voluntarily slashed my salary
This is a guest post from former GRS staff writer Donna Freedman. She is currently a staff writer at Money Talks News, freelances for a number of magazines and PF sites, and blogs about money and midlife at DonnaFreedman.com.
In January 2007, I wrote an article about being recently divorced, helping to support a disabled adult child and working toward a university degree in my late 40s. “Surviving (and thriving) on $12,000 a year” went viral as readers (including J.D. Roth) demanded to know how, exactly, I could do that.
This post generated more reaction than any other article published that year. The editor kept asking for more, and within eight months I was writing for MSN Money full-time.
12 Things You Need to Stop Doing Today to Be a Better Friend
Sometimes true friendships seem to be born out of a mysterious, intangible energy that pulls two people together. Keeping friendships strong and thriving is a far less mysterious affair, though. (See also: 6 Time-Tested Ways to Make a Relationship Work)
Part art, part science, and part common sense, being a better friend takes a lot of effort, and maybe the kicking of a bad habit or two. Or a dozen. So here are 12 things you need to stop doing now in order to be a better friend.
The 5 Best Underwater Cameras
It's always a bummer when you have to leave your camera at home when you go on vacation near a beach or a lake because you're worried of getting it wet and damaged. Pictures taken by or underwater can yield some spectacular and memorable photos. Picking up an underwater camera can allow you to finally begin capturing those special moments. If you find yourself frequently regretting the inability to take photos by the beach, then Wise Bread is here for you with our pick of the top five underwater cameras.
Affordable Online MBA Programs
This is the final article in a series on affordable online education. We previously covered specifically online colleges and various degree programs, including online bachelor’s and master’s degrees. If you missed the other articles in this series, you can navigate to each of them here: most affordable online colleges, affordable online bachelor’s degree programs, and affordable online master’s degree programs.
Join Our Tweetchat on Thursday 9/4, 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: Resumesl! Learn about where to go to find help on your resume, common resume pitfalls, and having your resume stand out! Let us know if you have multiple resumes and share with us your number one tip for creating an outstanding resume!
For an easy way to keep track of the conversation, try using our special Tweetchat Chatroom.
Best Money Tips: Change Spending Habits to Increase Your Income
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some amazing articles on changing spending habits to increase your income, the art of healthy discontentment, and creating a budget you'll stick with.
Top 5 Articles
Change Spending Habits to Increase Your Income — Becoming a bargain shopper can help you change your spending habits and increase your income. [The Wealth Number]
The Art of Healthy Discontentment — If you have a healthy discontentment, you are able to appreciate where you are in life but are not content to stay there. [Grant Baldwin]
Best Deals for Wednesday 09/03
Link for teaser title:
http://www.wisebread.com/bestdeals/today
Victoria's Secret PINK Leopard Lace Bra and Panty Set for $30 + $7 s/h, Anna's Linens Bed in a Bag Comforter Sets in all sizes for $33, Space Bag Vacuum-Seal Storage Bag Combo 3-Pack for $7, and more!
Confident People Have These 10 Things in Their Homes — Do You?
How do you measure confidence? The way you walk? The way you talk? How many friends you have? Maybe.
How about the things in your home? While there is no one true measure of confidence, there may well be some objects that confident people all seem to possess. So take a look at this list, and if you're lacking many of these, walk, nay, strut to your local homewares store immediately. (See also: Ambitious People Have These 10 Things in their Homes — Do You?)
1. Power Wardrobe
I know from experience that when I feel like I look good in the clothes I'm wearing, I'm inherently more confident. I'm sure you've felt that way at one time or another as well.
7 Essential Money Ideas for College Freshmen
It was a long time ago, but I remember my first few weeks of college. Twenty years ago last month, I left my home state of New Jersey to live on campus at a neighboring state and to pursue my education degree. I had been away from home before for extended periods of time, but attending college was a new hurdle for me.
I was nervous. But before long, I felt at home in my adopted-for-college state and adjusted to the new state of existence well. My financial situation left much to be desired, though, if I had even known that there was something to desire. I had had a bank account for a couple of years, and a few jobs here and there, but I didn’t have much of my own money. My college education was being funded by scholarships, grants, loans, and my parents. At the time, I had no assets to put towards my education, and I think my parents were more interested in seeing me spend my time focus on my studies than on pursuing a job.
7 Fresh Veggies You Can Grow From Kitchen Scraps
A funny thing happened at our house this spring.
We bid on our house in October, closed in December, and moved in January. In Colorado. So, while we knew that the house seemed to be well-landscaped and we could see the general outlines of how things would grow, we had no idea if some of the beds had anything at all planted in them, let alone what might be there. (See also: Urban Composting: It Can Be Done)
Figuring Out What’s Essential
One of my core principles of personal finance is that you should cut back in the areas that you don’t find very important so that you can preserve spending in areas that are important.
That’s a great philosophy to have when you’re on the road to financial recovery or when things are going well, but it doesn’t help too much when you’re actually facing a scary pile of bills and don’t have an obvious way to start tackling them.
Most of the time, at the start of a financial turnaround, you’ll have to cut back even harder for a little while so that you can get a few bills paid off and get a little bit of money in the bank to handle emergencies.
Sarah and I certainly went through a period like that. We cut back on everything. We cleaned out our closets, sold off a large chunk of our possessions, and lived as cheaply as possible for the better part of 2006 before we were able to breathe a little.
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