There are a lot of misconceptions when it comes to personal credit. One reason for this is the way your credit score is determined is largely shrouded in secrecy. Because of this, there are many things that you may think affect your score that actually don't. Let's go through a few of these below! (See also: How to Rebuild Your Credit in 8 Simple Steps)
Ebates was the first rebate site I used. I’ve been a member since 2002. The site has been around since 1998. That’s last century, if you’re keeping track.
I use rebate sites all the time. Every chance I get, as a matter of fact! For a miniscule amount of extra work, I can save a few dollars or even more than a few on a lot of online purchases.
Using Ebates is simple:
And that’s about all there is to start accumulating your rebates!
Briefly behind the scenes
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some of the best articles from around the web on ways to keep your food expenses low.
Top 5 Articles
98 Cheap and Easy Foods to Make Under 5 Bucks! — Did you know you can make breakfast burritos and French Onion soup for under $5? [And Then We Saved]
How to Afford Organic Food on a Budget — Afford organic food on a budget by planting a garden or joining a CSA. [Money Saving Mom]
TED talks have covered so many important topics, but arguably the most important? Social skills. (See also: 18 Things People With Good Social Skills Never Do)
We are social animals… as long as we're not too busy watching brilliant TED talks to act on what we've learned. So we've put together crib notes containing the main takeaways from 6 exceptional TED talks about social skills.
Speak So People Will Want to Listen
We all have extra stuff lying around that we'd love to pawn off for cash — in theory. But let's face it. Organizing a garage sale can be sort of like planning a dinner party without the payoff of good friends, good conversation, and a couple of refreshing gin and tonics. All that sorting and polishing and sticker-tagging and sign-making — not to mention the time you'll spend trying to shoo the neighbor who wants to take home your kid's $500 barely used air hockey table for 20 bucks — and you might not even earn enough to cover your expenses for that bottle of upholstery cleaner. (See also: Have Your Best Yard Sale Ever)
Over the next year, Microsoft’s executive management plans to lay off 18,000 employees, including factory workers and those in professional positions.
Redundancy. As Microsoft acquired new companies, at least according to the news reports that tend to take a company’s press release and spokesperson responses at face value, they have the potential to take advantage of consolidated businesses. For example, when two companies merge, there may be no need to carry the legal team from one of the companies. The resulting larger company can probably function just as well with one legal team. Administrative departments can be merged and reduced.
Home cycling is a pretty nifty financial strategy. At its core, the idea revolves around buying a low-end home, fixing and upgrading it, and then selling it for a profit off the back of your own time and energy investment in that home.
It bears some similarities with the idea of “home flipping” that was lauded in the mid-2000s, but it offers a great deal of appeal to people like myself who are fairly frugal and don’t want to take on a ton of real estate risk.
"If someone gave me $10, I would buy a toy from the movie Frozen," recently said one of my favorite 8-year-olds.
"What if the store didn't have the one you wanted?" asked his mom.
"Then I would save my money."
With their untarnished idealism and often very pragmatic ways of thinking, kids can teach us a lot about life — and about money.
1. There Is Magic in a Single Dollar Bill
From early on, we learn that it's fun to get money. Holding a dollar bill means we get to buy a dollar's worth of something. Sometimes a little treat — like candy — brings a lot of excitement. Take a kid into a bulk candy store with a dollar bill in hand, and watch the magic come alive.
This article is by staff writer Sam, the Financial Samurai.
I was in the 6th grade when I first laid eyes on her. She was a 1989 BMW 635i Coupe that did donuts in the school’s parking lot after class thanks to an obnoxious, rich 11th-grader who got the car as a birthday present. I was immediately smitten and promised myself one day I’d be able to buy such a car too.
The new 6 series BMW came out in 2005 and all the memories came rushing back. What cost only $35,000 then now cost $75,000 thanks to inflation and an infinite amount of new features. I don’t know about you, but $75,000 is a big chunk of change and is way beyond my 1/10th rule for car-buying I say everyone must follow.
I throw a couple parties a year and host overnight guests regularly as an Airbnb host, but I'm far from the host with the most. Still, I strive to be better. That's why I polled a few friends and experts to see what's on their list of party fouls that a good host would never commit. (See also: Don't Ruin the Party: 11 Things Good Guests Never Do)
Whether you're commuting to work, working out at the gym, or just looking to relax, nothing passes the time better than listening to your favorite tunes on a good pair of earphones. Investing in a pair of Bluetooth earphones can improve on that experience even further since they eliminate the one annoyance that keeps holding you back from complete auditory bliss: wires.
They can give you the freedom to comfortably listen to your music while being active without worrying about a cord suddenly getting caught and ruining your groove. Wise Bread is here to show you the best Bluetooth earphones worth your money with our top 5 list.
It’s not a secret that people give away or throw away lots and lots of stuff. Stuff that’s outlasted its usefulness. Stuff that’s broken. Stuff that reminded them every day of their lousy purchase.
We’ve gotten useful castaway items right from within our subdivision. We scored a nearly-complete set of patio furniture that just needed a little bit of cleaning. Recently we happened upon a stash of building materials: pressure-treated wood and other odd pieces.
A few days ago, my father-in-law picked up a Radio Flyer wagon that was thrown to the curb. The front axle was bent. He fixed that very easily, and now it works great for carting small garden equipment back and forth from the house to the garden.
Easy fixes … if you know how!
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: Making a Better Budget! Learn about including goals in your budget, tracking your spending, and allowing "buffer zones" within your spending categories! Let us know when you last updated your budget and if your budget is simple, reflects your values, and is realistic!!
For an easy way to keep track of the conversation, try using our special Tweetchat Chatroom.
Welcome to Wise Bread's Best Money Tips Roundup! Today we found some of the best articles from around the web on keeping your education productive and frugal.
Top 5 Articles
17 Back to School Clothes Shopping Tips to Save Money on Kids — Doing a clothing swap and having a budget can help you save when it comes to shopping for new clothes for back to school. [Money Crashers]
It's the self-starters and go-getters among us who always seem to stay neck-and-neck with their dreams rather than chasing them from behind. What gives them a leg-up is their ambition. And while ambition can't be bought, there are material tools available to help us develop our initiative and drive. (See also: Get It Done: How to Measure Your Goals)
Here's our list of 10 things ambitious people have at the ready to keep them on task and focused.
A slow cookers is one of the best tools for making delicious, easy meals (which can conveniently be ready right when you get home from work). Make your slow cooker recipes even more awesome with these seven tricks. (See also: 35 Slow Cooker Recipes for Busy (or Lazy) Vegetarians)
1. Sear and Brown Meats
A common criticism of slow-cooking methods is that meats end up gray and tasteless, although my personal opinion is that this is usually due to a faulty recipe, not to the method itself. You can also boost the flavor of your slow cooked meats by searing or browning them before placing them into the slow cooker.
I am huge believer in credit unions.
When I first arrived to the U.S., I only had my savings and my dreams of completing a MBA degree. As an immigrant I didn't have a credit history or a U.S. bank account. This meant that many big names in banking were hesitant to give me a chance. This made qualifying for a credit card or becoming eligible for a car loan very challenging. Thanks to a local credit union, I was not only able to achieve these milestones, but also build my credit history and become financially independent. (See also: How to Switch Banks)
Here are the 10 good reasons to choose a credit union instead of a bank.
When you hear the phrase "travel accommodation," do you automatically think of hotels? They're the safe, default option for many travelers. But forgoing hotels doesn't have to mean giving up cleanliness and basic amenities. And alternative travel accommodation is not just about hostels and vacation rentals.
If you're ready for something truly different, try the following lodging options on your next trip.
Smartwatches are quickly developing into one of the top new trends of smart gadgets to hit the tech world. Designed to work with the current smartphones, smartwatches allow you to see any incoming call, text, or email received on your phone right on the watch, and that’s just one of their many possible functions. Although the smartwatch market is still quite young, Wise Bread is here to give you the 411 on which ones you should consider getting now with our top 5 list.
Last month, I wrote a popular article for U.S. News and World Report about “shopping hierarchies.” Here’s how I defined “shopping hierarchy” in that article:
However, there’s stronger strategy you can apply that affects the price of almost everything you buy. I call it the “shopping hierarchy” strategy.
It’s a simple strategy: Whenever you go to a store to buy an item, always start at the store with the lowest prices. If you do this every single time, you’re bound to pay low prices for everything you buy.
The article provided an extremely brief look at shopping hierarchies, but based on the feedback from that article, a number of readers wanted more information or had additional ideas that they wanted to add to the concept.
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