Money Tips Network

The 5 Best Bluetooth Earphones

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.

Five things about discarded items that shouldn’t scare you off

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 on Thursday 7/17, 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: 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.

Best Money Tips Roundup: The Frugal Education Edition

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]

Ambitious People Have These 10 Things in Their Homes — Do You?

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.

7 Tricks to Get More Out of Your Slow Cooker

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.

9 Good Reasons to Choose a Credit Union Instead of a Bank

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.

Castles, Ranches, and Other Weird, Affordable Hotel Alternatives

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.

The 5 Best Smartwatches

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.

How to Build a Successful “Shopping Hierarchy”

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.

Breaking the stress spending cycle

This article is by staff writer Kristin Wong.

Lately, life has been a little hectic. I have a full schedule of work. I’m trying to plan a surprise party. I’m working on three different passion projects. My laundry needs to be washed. Hell, I need to be washed. It’s noon and I haven’t even showered.

I don’t mind a packed schedule, and I’ve learned to better manage my time. But for those moments when a lack of time gets the better of me, and my stress level rises, I’ve noticed something unsettling: I have a really careless attitude about money.

In short, I’ve been stress spending. Some of it is emotional, and some of it is spending out of convenience. Here are a few examples of my recent stress spending:

  • Instead of cooking, I’ve been ordering takeout.

Capital Gains Tax Gets More Complicated

The following is a guest post from Marotta Wealth Management. I have made my share of tax mistakes when selling assets, but have also used market downturns (like 2008) and charitable donations of stock (as he notes below) to strategically readjust my holdings. I should be in a place where I don't need to sell any assets for quite some time, but this is a topic that we all still need to be reminded of and consider from time to time. Not sure his "capital gains should be 0%" at the end is right, but it would make things much simpler.

How you deal with the new capital gains rates hinges on your tax bracket. The strategies to deal with capital gains differ for each level.

Silence Not Golden in Intergenerational Family Finance

The last time I ran into one of my favorite cousins, the conversation soon turned to which far-flung family members she had recently heard from. She divulged she hadn’t yet heard from my youngest cousin, her younger brother, about his recent trip to Southwest Michigan. That was not new, as she’d called another of my cousins, her older brother, two weeks earlier and had yet to hear back.

“Have you heard from my sister?” I asked.

“Nope.”

“Has my sister heard from you?”

“Nope.”

“Has Uncle Bill heard from Uncle Jack?”

“Nope.”

“Has the cat heard from the dog?”

“Nope.”

“And vice versa?”

“Nope.”

The One Word You Need to Get Rid of for a Better Life

Do you want to start living a better life today? I mean, right this very moment?

Then stop saying "should." That's it.

Don't just stop saying it out loud, but stop repeating it in your thoughts, too. Don't tell yourself what you should be doing instead of what you're actually doing or what you should have done in the past. (See also: How Doing Less Helps You Get More Done)

If you do this, your life will improve faster than you'd have thought possible.

Best Money Tips: The Insurance Edition

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some of the best articles from around the web on insurance.

Top 5 Articles

7 Insurance Policies You Can Live Without — Chances are you can live without specialty disease insurance and extended warranties. [PopSugar Smart Living]

5 Ways to Save Money on Insurance — To save money on insurance, increase your deductible or boost your credit score. [Christian PF]

This Is How You Grill Pizza at Home

Now that summer is in full swing, you might be getting bored of standard hotdogs and hamburgers on the grill. Spice up your next party by trying something new and different — grilled pizza! I live near an old Italian restaurant that has built its reputation on its flavorful grilled pies. After eating many myself, I have spent years replicating them at home. (Related: This Is How You Make Restaurant Quality Pizza at Home)

Ask the Readers: How Do You Save on Summer Travel?

It's the height of summer! Many people take advantage of the school break (not to mention the Independence Day holiday) to do some traveling before the academic year begins again. It's also a great time to escape from (or to!) the heat. However, getting away at the peak of vacation season can be quite expensive if you just pack and go.

How do you save on summer travel? What apps or websites do you use to help keep travel costs low? What are your favorite budget summer destinations?

Tell us how you save on summer travel and we'll enter you in a drawing to win a $20 Amazon Gift Card!

Win 1 of 3 $20 Amazon Gift Cards

We're doing three giveaways — here's how you can win!

The Emotional Cycle of Change

As many of you know, I had a bit of a financial epiphany in April 2006. I came home from work one day, picked up the mail, and sat down to pay our bills, only to realize that we didn’t have enough in our checking account to pay all of those bills. Because neither of us would get paid for at least a week, at least a few of those bills were going to be late, and it was going to be a tricky balancing act to get out of it.

For some reason, that moment just set me off. I felt really ashamed of myself. Sarah and I both made a good income – why couldn’t we make this work? We had an infant son who relied deeply on us – shouldn’t we be doing better for his sake?

6 Personal Finance Books You Should Read

Trawl Amazon or the shelves of any bookstore and you will find a myriad of options when it comes to personal finance. It can be difficult to distinguish between them. Here's a list of six top-notch personal finance reads that make the cut. (See also: 17 Places to Buy, Sell, and Trade Books)